What is the most common complaint against MST Financial Services, L.L.C.?

The most common issue consumers report about MST Financial Services, L.L.C. is "Written notification about debt", specifically "Didn't receive enough information to verify debt". This is based on 116 complaints filed with the CFPB.

Are complaints against MST Financial Services, L.L.C. increasing or decreasing?

Complaints against MST Financial Services, L.L.C. have been stable. The company received 24 complaints in the last 12 months.

What is MST Financial Services, L.L.C.'s reputation grade?

MST Financial Services, L.L.C. has a reputation grade of D (score: 54.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does MST Financial Services, L.L.C. respond to consumer complaints?

MST Financial Services, L.L.C. has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 31% of cases.

In how many states does MST Financial Services, L.L.C. operate?

MST Financial Services, L.L.C. has received CFPB complaints from consumers in 13 states, with the most complaints from Washington (49 complaints).

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

MST Financial Services, L.L.C. - Debt Collector Complaint Profile

CFPB complaint profile across 13 states, reputation grade D.

Compiled by PlainCollector

Written notification about debt

25
Attempts to collect debt not owed

18
False statements or representation

16
Cont'd attempts collect debt not owed

13
Communication tactics

12
Took or threatened to take negative or legal action

9

Data updated September 2026

CFPB complaint disposition

CCDB record mst-financial-services-llc MST Financial Services, L.L.C.

Grade D · 116 CFPB filings · 99% timely · lead issue: Written notification about debt · vol #763 · compose #3447

VOL 116
GRADE D
12MO 24
STATES 13
TIMELY 99%
DISPUTE 31%
ISSUE Written notification about…
RANK #763
COMPOSE #3,447

Volume peers

Nearest volume peer: Arcon Credit Solutions LLC (116 complaints)

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

MST Financial Services, L.L.C.'s 116 CFPB complaints sit next to Arcon Credit Solutions LLC 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

42.2% of MST Financial Services, L.L.C.'s CFPB filings land in Washington

High volume does not equal a clean composite: MST Financial Services, L.L.C. is volume #763 but composite #3,447, while Washington dominates the geography. Corpus placement method.

Dominant state: Washington 42.2%; 49 of 116 filings · 13 states touched
Spike month: 2026-01 18.8%; 28 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #763 volume; #3,447 composite; Cleanest-composite ladder is 2,684 places worse than volume

How does MST Financial Services, L.L.C. compare to its peers?

How does MST Financial Services, L.L.C. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

MST Financial Services… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

99%

79%

91%

Consumer-dispute ratelower is better

31%

10%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-03 2026-03

Issue Detail Breakdown

Issue	Complaints
Written notification about debt	25
Attempts to collect debt not owed	18
False statements or representation	16
Cont'd attempts collect debt not owed	13
Communication tactics	12
Took or threatened to take negative or legal action	9
Disclosure verification of debt	9
Improper contact or sharing of info	5
Taking/threatening an illegal action	5
Threatened to contact someone or share information improperly	4

Where do complaints against MST Financial Services, L.L.C. come from?

MST Financial Services, L.L.C.'s own per-state count, not a national baseline.

Washington

49
Idaho

46
Colorado

4
California

3
Minnesota

2
Oregon

2
Illinois

1
Indiana

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for MST Financial Services, L.L.C.: 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: 116.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.0909090909091%.

4 peers

Know your rights before responding to MST Financial Services, L.L.C.: 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.