Total CFPB complaints
120
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 120 complaints
Constar Financial Services, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 35 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Constar Financial Services, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
36 complaints
- Communication tactics
Communication tactics
21 complaints
- Written notification about debt
Written notification about debt
16 complaints
- False statements or representation 13
False statements or representation
13 complaints
- Cont'd attempts collect debt not owed 7
Cont'd attempts collect debt not owed
7 complaints
- Disclosure verification of debt 5
Disclosure verification of debt
5 complaints
D
Grade D · 55.8/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Constar Financial Services, LLC?
Constar Financial Services, LLC has accumulated 120 total CFPB complaints across 35 states, with 17 filed in the most recent 12 months against 103 historical complaints before that window. The trailing-12-month volume represents 14.2% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 92% timely-response rate against a 27% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 35 states, led by Florida with 17 and New York with 14, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 55.8/100 places Constar Financial Services, LLC in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
17
14.2% of total history
Rising ↑
States active
35
Distinct state filings
Timely response rate
92%
Within CFPB SLA window
Consumer disputes
27%
After company response
Reputation grade
D
55.8/100 composite
Response-quality profile
How Constar Financial Services, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 91.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 53.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 62.5%
Share of US states + territories with at least one filed complaint against this collector.
How does Constar Financial Services, LLC compare to its peers?
Constar Financial Serv… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2023-01 2026-03
Top Consumer Issues
Attempts to collect debt not owed36 (%)
Written notification about debt16 (%)
Communication tactics21 (%)
False statements or representation13 (%)
Cont'd attempts collect debt not owed7 (%)
Disclosure verification of debt5 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 19 |
| Written notification about debt | Didn't receive enough information to verify debt | 16 |
| Communication tactics | Frequent or repeated calls | 13 |
| Attempts to collect debt not owed | Debt was paid | 13 |
| False statements or representation | Attempted to collect wrong amount | 13 |
| Cont'd attempts collect debt not owed | Debt is not mine | 7 |
| Disclosure verification of debt | Not given enough info to verify debt | 5 |
| Attempts to collect debt not owed | Debt was result of identity theft | 4 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 4 |
| Communication tactics | Used obscene, profane, or other abusive language | 4 |
Where do complaints against Constar Financial Services, LLC come from?
The states where consumers have filed the most CFPB complaints against Constar Financial Services, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Constar Financial Services, LLC
Across 35 states with at least one filing
- Florida
Florida
17 complaints
- New York
New York
14 complaints
- Texas
Texas
14 complaints
- California
California
10 complaints
- Colorado 5
Colorado
5 complaints
- Arizona 5
Arizona
5 complaints
- Pennsylvania 4
Pennsylvania
4 complaints
- Georgia 4
Georgia
4 complaints
Frequently Asked Questions
What is the most common complaint against Constar Financial Services, LLC? ▼
The most common issue consumers report about Constar Financial Services, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 120 complaints filed with the CFPB.
Are complaints against Constar Financial Services, LLC increasing or decreasing? ▼
Complaints against Constar Financial Services, LLC are rising. The company received 17 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Constar Financial Services, LLC's reputation grade? ▼
Constar Financial Services, LLC has a reputation grade of D (score: 55.8/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does Constar Financial Services, LLC respond to consumer complaints? ▼
Constar Financial Services, LLC has a 92% timely response rate to CFPB complaints. Consumers disputed the company's response in 27% of cases.
In how many states does Constar Financial Services, LLC operate? ▼
Constar Financial Services, LLC has received CFPB complaints from consumers in 35 states, with the most complaints from Florida (17 complaints).
What can I do if Constar Financial Services, LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Constar Financial Services, LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |