Constar Financial Services, LLC

2019-10-15

Lewisville, TX

Took or threatened to take negative or legal action

Debt collection: Auto debt

Threatened or suggested your credit would be damaged
Complaint: Back in XX/XX/2019, I got a call from This business with a man name XXXX on the phone. Calling about debt with XXXX for a car I co-signed with my son. He went on to explain to me since I have a current car with XXXX, they have offered a deal. A deal of XXXX instead of the full almost XXXX I explain to him I did not have that amount on me. He asked if I could pay 10 % then they would lease XXXX I would only have a balance of XXXX. I did not have the money then. I told him that the day wasn't a good day for me. My father had a XXXX XXXX and XXXX. He went on to tell me how I did not want to look as if I was refusing to pay and then it would hurt my credit. He goes on to offer a monthly payment plan he lowered it to XXXX and once the XXXX another XXXX would be reduced since I'm paying my current XXXX account on time. I said ok it would hurt me but once I made the XXXX I'm good and I can then chip away at the XXXX. I requested proof to be mailed to me. Made XX/XX/XXXX and XX/XX/XXXX payment. Today XX/XX/19 something isn't feeling right to me about the payment plan, other than I have no money after making the payment. I called today and spoke with XXXX ( XXXX is no longer with the company ) she tells me she doesn't see the offer. she does see where the company offered the XXXX but nothing about the XXXX in payments it would reduce it more. That I did not have a set time to pay this amount. XXXX also wanted me to pay with a portion of my tax return. ( I don't even get refunds ). Everything he told me was a lie ; I was thinking about making these payments I could have less debt reporting on my credit report and pay that large amount down. so I stopped paying other debts to take care of these. This is why I don't answer unknown numbers. I feel like he took advantage of me during a time my father was sick and I was there, and me not trying to be rude.
Company Response: Closed with explanation

Timely Response

2019-09-04

Salton City, CA

Threatened to contact someone or share information improperly

Debt collection: Auto debt

Contacted your employer
Complaint: Hello, On XXXX XXXX at XXXX, I was contacted by Constar collection agency regarding a auto loan debt of {$9800.00}. I asked him why he was calling me here at my job and he stated that this was the number he had and in a rude tone he said " you owe my client {$9800.00} ''. I told him the original company has my cell he said well this was the only way I was able to contact you. I then let him know that he may contact XXXX XXXX XXXX as my account is with them, he said he has not heard anything from them and that I should contact them as they work for me because I am paying them. The agent then asked for my cell number and XXXX XXXX XXXX number. I provided him with both numbers. This agent was very rude to me during the entire conversation, and not only was he rude but he was deceitful in contacting my employer by not stating who he was or where he was calling from. When he called the person who answered she asked him what type of call this was and he said personal. Please note I do not want this person to contact me but he is to go through the debt relief consumer. Thank you for your time in this matter.
Company Response: Closed with explanation

Timely Response

2019-08-30

New Britain, CT

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Untimely Response

2019-06-22

Cherry Brook, MA

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-04-01

Saint Clair, MO

Attempts to collect debt not owed

Debt collection: Auto debt

Debt is not yours
Complaint: XXXX XXXX XXXX has sold debt to Constar Financial Services for A vehicle I own with title and lien release. No debt is owed to either company. A letter asking for validation was sent on XX/XX/2019. Constar has not contacted me since. Amount attempted to collect was {$280.00} Constar Financial Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AZ XXXX
Company Response: Closed with explanation

Timely Response

2019-02-15

NY

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I have an outstanding debt with XXXX XXXX XXXX XXXX and when I tried calling them they said it was moved to a collection agency and I needed to work with them, Ive never recd a letter but I did get phone calls I asked the agency to send me in written or email my debt it took 3 calls to finally get this letter emailed to me and when I tried calling them to arrange a payment I dont get a call back 1 week later I get a call from the agency ( Constar financial service ) they call me during my work hours Ive asked for them to all me after XXXX est time and they never do they only call during the day which I cant take. Ive left several voice mails to this agency after work to have them call me back. Its not right that they only can call while Im at work esp since this is a dent and a private matter for my coworkers not to know. Im looking to resolve this and get it off my credit report
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation

Timely Response

2019-01-08

Calwa, CA

Managing the loan or lease

Vehicle loan or lease: Lease

Billing problem
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Untimely Response

2018-09-14

PA

Dealing with your lender or servicer

Student loan: Private student loan

Trouble with how payments are being handled
Complaint: I received a notice in the mail dated XX/XX/2018 from Constar Financial Services regarding my Student loan with XXXX stating that I owe them {$10000.00}. At the time I was currently faced with financial hardship and was to the best of my knowledge already in the process of trying to resolve this matter with my lender. I asked not to receive collection calls. I received an additional notice from Constar dated XX/XX/2018 stating that I owe {$11000.00} which proceeded to offer a reduced interest rate program that would take my interest from 9 % on the XXXX loan originally with XXXX XXXX for 7.25 % down to 0 % and that my new monthly payment would be {$55.00}. The notice also states that my credit status would change to " Paying as Agreed '' This was to occur after 3 consecutive payments which were setup automatically. I setup the payment on XX/XX/2018 which was posted to my bank account, and later verified that it posted to my XXXX loan. On XX/XX/2018 I received a call from a different collection agency XXXX XXXX XXXX on behalf of XXXX. After contacting Constar and XXXX I was able to verify that Constar sent my loan back to XXXX and neither will honor the agreement. I was asked to setup a similar arrangement with the new collections for 4 consecutive payments of {$57.00} which was deducted from my bank account on XX/XX/2018.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-10

Church Point, LA

Written notification about debt

Debt collection: I do not know

Notification didn't disclose it was an attempt to collect a debt
Complaint: I received a call today XX/XX/2018, the call was transferred from a colleague who said the caller said it was a recorded line and did NOT mention the name of their company. They did not call my cell phone at all because I pick those calls up. When i got on the phone he said it was a personal business matter, making me first think it was business, I work for a business and thought it was related to them, then he said my address and would I verify who I am, at this point I refused to and told them to NEVER EVER call my place of work again. At this point I went out side to call the company back and have tried to re reach him 3 more times and now he won't take my calls. All I know is the company name but no clue who they are OR why they would call me at my place of work. I was told from a few other employees that I've had a few calls like that but they thought it was about this business so they have hung up. My cell phone was on a do not call registry list. All I know is the company name. Constar financial .. aka " con '' sounds like a great company name. by the way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-30

New Britain, CT

Attempts to collect debt not owed

Debt collection: Auto debt

Debt is not yours
Complaint: XXXX XXXX XXXX XXXX Con star financial services, LLC Last XX/XX/2018 I had a motorcycle repossessed.voulentary. XXXX XXXX XXXX XXXX sends me a bill with a breakdown totaling over 1000.00, but the motorcycle was sold for only 200.00 less then what I owed. After speaking with XXXX XXXX I told them I would gladly pay XXXX owed but felt that these other fees were the responsibility of the customer, the individual who purchased the motorcycle at auction to pay. After zero resolution, I receive a letter from constar financial services LLC a collection agency attempting to collect XXXX, it appears that they are attempting to collect XXXX XXXX for XXXX XXXX that XXXX XXXX claims I owe.so I made it clear on a telephone message that in a situation like this nobody is getting paid unless a judge and jury sayes I have to pay and that I felt strongly that a Connecticut judge and jury would agree. With me, after seeing the breakdown of the bill, that I owe XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-16

San Fernando, CA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Problem with personal statement of dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-09

Oak Grove, MO

Getting a loan or lease

Vehicle loan or lease: Loan

Problem with additional add-on products or services purchased with the loan
Complaint: This company is illegally attempting to collect a debt for a new vehicle that was a lemon. Dealer lied about after market parts stating front foot rest could be moved to mids to sell bike in middle of winter while I was dealing with XXXX after telling dealer I just attended my cousin funeral they used deception and fraud to con me. The bike never started before purchase and dealer promised to put in new battery, they didnt. Bike was delivered and still does not start. Bike has had oil light of since day one and it was a brand new motorcycle. Dealer knew Im a new rider knowing nothing about motorcycles they delivered bike with oil missing to damage motor an attempt to get more money from me. Dealership is XXXX and has cars with confederate flags out front and they discriminated against me during this purchase. Dealer unlawfully added price of helmet, XXXX, jacket and put funds on get gift but charged price into loan to make price of bike higher then suggested msrp. This is a lemon vehicle under Missouri law and dealer has cheated me out of thousands of dollars and ruined my credit report! They stated they wanted {$9700.00} first to settle then collections changed amount to {$11000.00}, constar should be called con artist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-27

Dallas, TX

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was result of identity theft
Complaint: On or about two weeks ago, this company begin to call me repeatedly about a debt/collection via XXXX XXXX Account. I advise the gentleman that this account was already disputed many months ago with XXXX XXXX as the result of Identity theft. The accounts were removed from my reports and then I started receiving these notices. I explained to someone named XXXX or XXXX ( spelling ) that I had copies of Police reports and my ID Theft Affidavit. He became rude and kept saying I owed the debt and I needed to pay up or else. I hung up on him and never heard anything back from this company until i received this notice in the mail from Constar Financial Services and again it's regarding the same matter. This company is not taking measures to protect me and has been constantly calling me regarding this up till I received the notice in the mail of an attempt to collect a debt and this could possibly go on my credit. Please be advised that I am again attaching docs to prove what i further stated before. This was the result of identity theft I clearly am requesting this company to stop harrassing me regarding this alleged debt and furthermore I am not authorizing them to insert any actions on my creidt reports as this is clearly not my account. I have current ID Theft reports in place on my credit reports, but CONSTAR STILL REQUESTED my credit report from XXXX and XXXX, although I did not give authorization to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-06

Ladera Ranch, CA

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-12-19

Katonah, NY

Attempts to collect debt not owed

Debt collection: Federal student loan debt

Debt is not yours
Complaint: In or about XXXX, XXXX XXXX forged her ex-husband 's name XXXX XXXX, to a student loan application for their daughter XXXX XXXX. The forgery was reported to the police and an Identification Theft Affidavit, police report, copies of identification were provided to the creditor. Collection efforts continue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-13

Ft Belvoir, VA

Attempts to collect debt not owed

Debt collection: Auto debt

Debt is not yours
Complaint: We had leased a XXXX XXXX and we returned it on XXXX XXXX, XXXX to the dealer as lease had ended. On XXXX XXXX, XXXX we received a letter from XXXX XXXX XXXX indicating that we owe {$210.00} in taxes for same car for the period of XXXX XXXX to XXXX XXXX. We contacted XXXX and explained that we returned the car previous year and that we should not owe any money. XXXX Said that they would investigate further and then 13 days later on XXXX XXXX, XXXX we received a letter from Constar Financial Services, a collection company, they said that we must show a return receipt from XXXX dealer for the car, which we did. we also sent a receipt from XXXX County indicating that they will credit the amount of {$210.00} to XXXX for the XXXX car taxes. We also received letter from XXXX County indicating that XXXX finance owe us {$51.00} for the car taxes from XXXX to XXXX XXXX. After repeated calls from Constar the Supervisor told us " Good luck " if you do n't pay. Attached all documents
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-25

Dallas, TX

False statements or representation

Debt collection: Private student loan debt

Attempted to collect wrong amount
Complaint: XX/XX/2017~Constar Financial , XXXX AZ called me on a local [ XXXX ] XXXX - first on my office number, which is XXXX and was very rude when I requested to remove the number from their call list. I gave the person [ XXXX XXXX ] my cell number and he called me, again from XXXX number, when he was in Arizona. I requested his company name, location,, and true telephone contact number, which is XXXX. He indicated that his client, XXXX, was trying to collect on loans from XXXX ( XXXX and XXXX specifically ), but would not provide me actual loan numbers, instead gave me a sequence of XXXX which is part of my Social Security number. The loans in reference are old and should no longer be on my account and I called XXXX, who said they had no idea who Constar Financial was. The loans amount to XXXX, but again, these are old loans that fall under the statute of limitations which I am no longer responsible for - regardless, this person was very rude and threatening and when I said that the loans were private and uncollectable, he stated very rudely that " these loans never go away '' which is an absolute lie.
Company Response: Closed with explanation

Timely Response

2017-10-11

Key Biscayne, FL

Communication tactics

Debt collection: Auto debt

You told them to stop contacting you, but they keep trying
Complaint: For a little over 6 months now, I have been receiving calls from Constar financial in order to collect a debt for a leased car that I turned in over 3 years ago. They say that I owed money for wear and tear on the car. I initially was in contact with XXXX at Constar Financial, and was very happy to pay the debt. After giving all my information to her, I received a call several weeks later saying that they were unable to process my request. I checked by bank and noticed that it never went through. So again I gave her the information and waited a couple days and they still did n't take the money out. After that I contacted them and they said that my credit union could not find my account even though I pay literally every bill with the same information with no problems. Although I was annoyed because XXXX and her director both were extremely pushy and rude, insinuating that I did n't have the money to pay them, when from the beginning I 've been giving all of information to collect this debt. But okay I gave them information to an alternate bank account at a whole different institution. Weeks went by and they still did not take the money out. I called both of my banks and they said there is no record of Constar financial ever trying to collect the debt from my account. So this caused a red flag for me. And then early today I received a call at my desk, after the last time I spoke with them, I specifically told them never contact me again regarding this because I will not be abused like this anymore. The man who called was even ruder then XXXX and stated that I needed to now send them a money gram to pay for this. He then proceeded to say ' you obviously do n't have the money to pay your debt ' He knows nothing and I have given my bank information many many times.They are harassing me and my mother at this point because they cant get it together. It seems as though this was their plan from the beginning, a kind of sham to get people to send money directly to them. Insanely rude and abusive company
Company Response: Closed with explanation

Timely Response

2017-08-28

Matthews, NC

Written notification about debt

Debt collection: Auto debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Untimely Response

2017-07-28

CO

Dealing with your lender or servicer

Student loan: Private student loan

Don't agree with the fees charged
Complaint: I attended XXXX University in XX/XX/XXXX-XX/XX/XXXX. To pay tuition and help with expenses, I took out a XXXX XXXX Signature Loan from XXXX XXXX. I ended up getting a job offer from XXXX in XX/XX/XXXX and never attended classes at XXXX University in the Spring semester. XXXX XXXX paid the school and XXXX accepted the money against my wishes. I went into repayment and paid my loans until I was laid off in XX/XX/XXXX. At that point I began to use economic forbearances until I was no longer allowed to do so, at which point I was unable to pay. I received harassing calls from Cell Phone numbers requesting payment which I was unwilling to give to a cell phone and unable to give due to economic circumstances. In XX/XX/XXXX my situation improved and I received a good paying job. I tried to get in touch with XXXX XXXX but was completely unable to do so. In XX/XX/XXXX I returned to school on a part time basis. I remembered that this should qualify me for an in-school forbearance, and so I signed into my XXXX XXXX account. Fortunately my loans were not defaulted! I could not request forbearance through their system any longer, but I could contact them. I sent them a message through their system informing them that I had returned to school and was seeking in-school forbearance. I also contacted their provided phone number and was sent to an answering machine. I left a message. I never heard back through either e-mail or phone. In XX/XX/XXXX, I was informed that my student loan debt was now XXXX XXXX. I assumed that XXXX XXXX knew that I was back in school and had automatically deferred my payments because I never heard anything else from them. In XX/XX/XXXX I was informed that my loans had defaulted. I was offered a very nice settlement offer, but unfortunately I was unable to take it at the time. In XX/XX/XXXX I was sent another message letting me know that my debt belonged to a company called " Constar '' and they expect full repayment. They gave me the options to dispute the debt in writing, which I did. This debt should not be defaulted as I am and have been in school on a XXXX XXXX basis for the past 4 years. On XX/XX/XXXX I received a response of a single promissory note from XX/XX/XXXX with a note that " We are confident that all your questions should be answered by the enclosed documentation ''. I also received letters letting me know that these loans would be sent to law firm. The letter says that if I have until XX/XX/XXXX to respond, but when I tried to call the number provided I was once again sent to an answering machine. I left a message but have not heard back. Now I 'm writing to you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-18

Tujunga, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-06-17

FL

Communication tactics

Debt collection: Private student loan debt

Frequent or repeated calls
Complaint: This is the second complaint I 've filed. the company is Constar Financial . They continue to call on a student loan debt of my daughter 's. My daughter does not live at my home or telephone number, yet they continue to call. I 've told them to stop calling. The most recent call was X/XX/2017 . The caller said her name was XXXX XXXX . When I told her to take my number off the call list she became agitated and said " You do n't have to be nasty! '' I told her I 'm not being nasty but I want my number off their call list and said I would file a complaint with the CFBP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-03

Foothill Ranch, CA

Threatened to contact someone or share information improperly

Debt collection: Private student loan debt

Talked to a third-party about your debt
Complaint: I 've received multiple calls, I believe 5 in total, about my husband 's private student loans, which he acquired long before we were married and I 'm not a cosigner on any of these loans. In fact, my personal cellphone, name or any other information is not listed anywhere on loan contracts or other paper work, ie. collection notices. First time I received a call fro m Constar Financial Services , I was very confused how they acquired my phone number and why am I even receiving this call. I asked them not to contact me again. Unfortunately, received several more calls in the next few months.
Company Response: Closed with explanation

Timely Response

2017-02-01

Sioux Falls, SD

Communication tactics

Debt collection: Auto

Frequent or repeated calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-12-16

Darlington, RI

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response