Total CFPB complaints
110
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 110 complaints
MST Financial Services, L.L.C. — Debt Collector Complaint Profile
CFPB complaint profile across 13 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about MST Financial Services, L.L.C.
- Written notification about debt
Written notification about debt
24 complaints
- False statements or representation
False statements or representation
14 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
14 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
13 complaints
- Disclosure verification of debt 7
Disclosure verification of debt
7 complaints
- Communication tactics 4
Communication tactics
4 complaints
D
Grade D · 57.6/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about MST Financial Services, L.L.C.?
MST Financial Services, L.L.C. has accumulated 110 total CFPB complaints across 13 states, with 19 filed in the most recent 12 months against 91 historical complaints before that window. The trailing-12-month volume represents 17.3% 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 "Written notification about debt", narrowing to "Didn't receive enough information to verify debt", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 99% timely-response rate against a 31% 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 13 states, led by Idaho with 45 and Washington with 44, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 57.6/100 places MST Financial Services, L.L.C. 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
19
17.3% of total history
Rising ↑
States active
13
Distinct state filings
Timely response rate
99%
Within CFPB SLA window
Consumer disputes
31%
After company response
Reputation grade
D
57.6/100 composite
Response-quality profile
How MST Financial Services, L.L.C. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 99.1%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 61.9%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 23.2%
Share of US states + territories with at least one filed complaint against this collector.
How does MST Financial Services, L.L.C. compare to its peers?
MST Financial Services… 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)
2021-02 2026-03
Top Consumer Issues
Written notification about debt24 (%)
False statements or representation14 (%)
Disclosure verification of debt7 (%)
Attempts to collect debt not owed14 (%)
Cont'd attempts collect debt not owed13 (%)
Communication tactics4 (%)
Took or threatened to take negative or legal action4 (%)
Most common issue: Written notification about debt — Didn't receive enough information to verify debt
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 |
|---|---|---|
| Written notification about debt | Didn't receive enough information to verify debt | 19 |
| False statements or representation | Attempted to collect wrong amount | 14 |
| Disclosure verification of debt | Not given enough info to verify debt | 7 |
| Attempts to collect debt not owed | Debt was paid | 7 |
| Cont'd attempts collect debt not owed | Debt is not mine | 7 |
| Attempts to collect debt not owed | Debt is not yours | 7 |
| Cont'd attempts collect debt not owed | Debt was paid | 6 |
| Written notification about debt | Didn't receive notice of right to dispute | 5 |
| Communication tactics | Frequent or repeated calls | 4 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 4 |
Where do complaints against MST Financial Services, L.L.C. come from?
The states where consumers have filed the most CFPB complaints against MST Financial Services, L.L.C.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against MST Financial Services, L.L.C.
Across 13 states with at least one filing
- Idaho
Idaho
45 complaints
- Washington
Washington
44 complaints
- Colorado 4
Colorado
4 complaints
- California 3
California
3 complaints
- Oregon 2
Oregon
2 complaints
- Minnesota 2
Minnesota
2 complaints
- New Jersey 1
New Jersey
1 complaints
- Indiana 1
Indiana
1 complaints
Frequently Asked Questions
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 110 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. are rising. The company received 19 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is MST Financial Services, L.L.C.'s reputation grade? ▼
MST Financial Services, L.L.C. has a reputation grade of D (score: 57.6/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 Idaho (45 complaints).
What can I do if MST Financial Services, L.L.C. 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 MST Financial Services, L.L.C. 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 |