What is the most common complaint against Lugano Capital, Inc. d/b/a Start Auto Finance?

The most common issue consumers report about Lugano Capital, Inc. d/b/a Start Auto Finance is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 8 complaints filed with the CFPB.

Are complaints against Lugano Capital, Inc. d/b/a Start Auto Finance increasing or decreasing?

Complaints against Lugano Capital, Inc. d/b/a Start Auto Finance are rising. The company received 5 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Lugano Capital, Inc. d/b/a Start Auto Finance's reputation grade?

Lugano Capital, Inc. d/b/a Start Auto Finance has a reputation grade of D (score: 55.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Lugano Capital, Inc. d/b/a Start Auto Finance respond to consumer complaints?

Lugano Capital, Inc. d/b/a Start Auto Finance has a 75% timely response rate to CFPB complaints.

In how many states does Lugano Capital, Inc. d/b/a Start Auto Finance operate?

Lugano Capital, Inc. d/b/a Start Auto Finance has received CFPB complaints from consumers in 2 states, with the most complaints from Florida (7 complaints).

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

Lugano Capital, Inc. d/b/a Start Auto Finance - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade D.

Compiled by PlainCollector

Took or threatened to take negative or legal action

5
Attempts to collect debt not owed

3

Data updated September 2026

CFPB complaint disposition

CCDB record lugano-capital-inc-d-b-a-start-auto-finance Lugano Capital, Inc. d/b/a Start Auto Finance

Grade D · 8 CFPB filings · 75% timely · lead issue: Took or threatened to take negative or legal action · vol #2721 · compose #3274

VOL 8
GRADE D
12MO 5
STATES 2
TIMELY 75%
ISSUE Took or threatened to take…
RANK #2,721
COMPOSE #3,274

Volume peers

Nearest volume peer: A+ Loans, Inc. (8 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Lugano Capital, Inc. d/b/a Start Auto Finance's 8 CFPB complaints sit next to A+ Loans, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

87.5% of Lugano Capital, Inc. d/b/a Start Auto Finance's CFPB filings land in Florida

High volume does not equal a clean composite: Lugano Capital, Inc. d/b/a Start Auto Finance is volume #2,721 but composite #3,274, while Florida dominates the geography. Corpus placement method.

Dominant state: Florida 87.5%; 7 of 8 filings · 2 states touched
Spike month: 2022-10 50.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #2,721 volume; #3,274 composite; Cleanest-composite ladder is 553 places worse than volume

How does Lugano Capital, Inc. d/b/a Start Auto Finance compare to its peers?

How does Lugano Capital, Inc. d/b/a Start Auto Finance compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Lugano Capital, Inc. d… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

75%

91%

Consumer-dispute ratelower is better

50%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-10 2023-06

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	5
Attempts to collect debt not owed	3

Where do complaints against Lugano Capital, Inc. d/b/a Start Auto Finance come from?

Lugano Capital, Inc. d/b/a Start Auto Finance's own per-state count, not a national baseline.

Florida

7
Massachusetts

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Lugano Capital, Inc. d/b/a Start Auto Finance: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 8.

4 peers

Know your rights before responding to Lugano Capital, Inc. d/b/a Start Auto Finance: FDCPA rights guide · debt validation letter · rights library.

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

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

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.