This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 40 complaints

Coastal Financial Solutions, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 17 states, reputation grade D.

Complaints by issue type

What consumers report about Coastal Financial Solutions, LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 57.1/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Coastal Financial Solutions, LLC ranks ahead of 32% of the 5,283 collectors PlainCollector grades - 68% keep a cleaner CFPB record, on 40 all-time complaints and a 83% timely-response rate.

32nd pct
reputation rank of 5,283 graded collectors
40
CFPB complaints, all-time
83%
answered inside the CFPB window
0
in the last 12 months (falling)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Coastal Financial Solutions, LLC?

Coastal Financial Solutions, LLC has accumulated 40 total CFPB complaints across 17 states, with 0 filed in the most recent 12 months against 40 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.

The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls". The company posts a 83% timely-response rate against a 26% consumer-dispute-after-response rate.

Complaints have been recorded across 17 states, led by California with 9 and Texas with 7. Normalized against the full CFPB collector database, the reputation score of 57.1/100 places Coastal Financial Solutions, LLC in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

40

low-volume (CCDB)

Last 12 months

0

0.0% of all-time complaints

Falling ↓

States active

17

regional footprint

Timely response rate

83%

acceptable band

Consumer disputes

26%

elevated (vertical avg ~19%)

Reputation grade

D

57.1/100 composite

How does Coastal Financial Solutions, LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

57 32nd percentile higher than 32% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Coastal Financial Solutions, LLC versus the debt-collection vertical average.

Timely response within SLA 82.5%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 25.8%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 30.4%

Share of US states + territories with at least one filed complaint against this collector.

How does Coastal Financial Solutions, LLC compare to its peers?

How does Coastal Financial Solutions, LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Coastal Financial Solu… National average
Complaints (last 12 mo)lower is better
0
2
268
Timely-response ratehigher is better
83%
93%
91%
Consumer-dispute ratelower is better
26%
17%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2021-08 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Communication tactics - 17
False statements or representation - 6
Improper contact or sharing of info - 6
Taking/threatening an illegal action - 4
Took or threatened to take negative or legal action - 2
Cont'd attempts collect debt not owed - 2
Threatened to contact someone or share information improperly - 2
Disclosure verification of debt - 1

Where do complaints against Coastal Financial Solutions, LLC come from?

Coastal Financial Solutions, LLC's own per-state count, not a national baseline.

Top states by complaints against Coastal Financial Solutions, LLC

Across 17 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Coastal Financial Solutions, LLC contacts you

A grade of D signals how Coastal Financial Solutions, LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Coastal Financial Solutions, LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Coastal Financial Solutions, LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Coastal Financial Solutions, LLC? ▼

The most common issue consumers report about Coastal Financial Solutions, LLC is "Communication tactics", specifically "Frequent or repeated calls". This is based on 40 complaints filed with the CFPB.

Are complaints against Coastal Financial Solutions, LLC increasing or decreasing? ▼

Complaints against Coastal Financial Solutions, LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Coastal Financial Solutions, LLC's reputation grade? ▼

Coastal Financial Solutions, LLC has a reputation grade of D (score: 57.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Coastal Financial Solutions, LLC respond to consumer complaints? ▼

Coastal Financial Solutions, LLC has a 83% timely response rate to CFPB complaints. Consumers disputed the company's response in 26% of cases.

In how many states does Coastal Financial Solutions, LLC operate? ▼

Coastal Financial Solutions, LLC has received CFPB complaints from consumers in 17 states, with the most complaints from California (9 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.