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

CFPB complaint data Grade D 116 complaints

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

CFPB complaint profile across 13 states, reputation grade D.

Complaints by issue type

What consumers report about MST Financial Services, L.L.C.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

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 116
  • GRADE D
  • 12MO 24
  • STATES 13
  • TIMELY 99%
  • DISPUTE 31%
  • ISSUE Written notification about…
  • RANK #763
  • COMPOSE Not ranked

Volume peers

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

Arcon Credit Solutions LLCArcon Credit Solutions LLC116Balanced Healthcare Receivables, LLCBalanced Healthcare Receivab…116Rosebud Economic Development CorporationRosebud Economic Development…116S & S Recovery, Inc.S & S Recovery, Inc.116MST Financial Services, L.L.C. (this)MST Financial Services, L.L.…116
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 →

How the 116 complaints break down

Every complaint issue type on record for MST Financial Services, L.L.C., not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
54.5/100
MST Financial Services, L.L.C.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
116
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
31%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

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

Concentration is computed from this collector's company_states rows only, not a national baseline. 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)
Corpus ranks
#763 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

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, L.L.C. National average
Complaints (last 12 mo)lower is better
24
22
268
Timely-response ratehigher is better
99%
79%
91%
Consumer-dispute ratelower is better
31%
10%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy MST Financial Services, L.L.C. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 9 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 60%70%80%90%100%110% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) MST Financial Services, L.L.C. vs. 8 similar-volume peers, by response speed and dispute rate MST Financial Services, L.L.C.BALANCED HEALTHCARE RECEIVABLES, LLCRosebud Economic Development CorporationS & S Recovery, Inc.WHEELS FINANCIAL GROUP, LLC.AAA CollectionsTMX Finance LLCBusiness & Professional Collection Service IncRecovery Solutions Group, LLC
Source: CFPB Consumer Complaint Database

MST Financial Services, L.L.C.'s complaint volume in context

MST Financial Services, L.L.C. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

116 Top 14% higher than 86% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). This entry sits in this band. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. MST Financial Services, L.L.C. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Stable →
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.

Top states by complaints against MST Financial Services, L.L.C.

Across 13 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

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.