Coastal Financial Solutions, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/14/2016	Yes	Debt collection Payday loan	False statements or representation Indicated committed crime not paying	IL 62801	Web
The debt collector contacted Me via Cell Phone XXXX XXXX. At this time she told me I had a Debt of $ XXXX and needed to resolve this before she sent me to jail for writing a false check. Understanding that I do owe the debt, we worked out a payment arrangement. After a 30 minute discussion about my bills and what I could afford, she came up with a schedule, and amount of payments to be made ( Monthly Payments, XXXX at {$60.00} Each and XXXX for {$25.00} Each totaling {$220.00} payments for 6 months ) and she would eliminate the debt completely. After satisfying all payments, The last of which was in XXXX, I assumed the debt was settled. She then started calling me XX/XX/XXXX saying we need to set up a payment agreement to finish of the rest of the loan amount, and that we had never agreed to what i had already paid. After multiple harrassing phone calls in the very early morning and late evening, I called and left a voicemail. I told her specifically that i could not afford to continue paying anymore and that I could afford to pay off whatever we could agree on in XXXX When i get a little extra pay. XXXX XXXX She called my wife 5 times asking for me. After my wife answered she explained to the lady that this is unacceptable behavior and asked what this was about. The lady rudely said that her supervisor took the account from her a week ago, that he had taken it to their attorney 's office, Issued a warrant for my arrest, and i was to be served with papers the following business day. I Immediately received a frantic call at work from my wife telling me what was happening, and called her back. This time her story changed. They had n't Issued a warrant yet, and she could stop the process if i set up a payment agreement. So i set up a payment agreement, and intent to fulfill it. She asked me the payment dates, and i gave her specific instructions to deduct our agreed XXXX {$100.00} payments on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. After our conversation she said she would send me an email containing the payments, and that if i did not complete it asap, the warrant would still be issued and i would be arrested. The form she sent me has different dates on it Payment # 1 XXXX/XXXX/XXXX for {$100.00} & Payment # 2 XXXX/XXXX/XXXX {$100.00}. This is not our agreement and i can not afford to be jailed for a {$600.00} check i never wrote! Any help would be appreciated.
12/22/2015	Yes	Debt collection Payday loan	Communication tactics Used obscene/profane/abusive language	WA 99336	Web
I received a call from my mother that this company, Coastal financial solutions LLC was trying to get ahold of me about a past due payday loan. I called the company back immediately to figure out what loan they were talking about and to update my information so they could get ahold of me directly. A representative named XXXX XXXX answered and immediately told me I would be facing jail time if I did not cooperate and make a payment. First I needed to be reminded of this loan - it was over 2 years ago and had slipped my mind. I asked him if I could give him my updated info to get ahold of me and he said no. He stated until I make a payment they will continue harassing distant family to get ahold of me. I advised him that he needed to work on his customer service skills as his tone was getting loud and aggressive. I told him that I would be understanding because I 've worked in customer service, he immediately interrupted me and yelled that the reason I have this debt to begin with is my poor customer service skills which obviously got me fired from a job. This is completely untrue, I was not fired nor did I have a customer service job when this loan payment lapsed. I had a death in the family about a month after i received the loan so it had slipped my mind I had to move and get a cheaper phone so my address was different as well as phone number. This representative XXXX XXXX accused me of flying under the radar purposely as to not have to pay this loan. At this point I 'm fighting back tears while I 'm at work because I do want to resolve this issue, but the REP continued to interrupt and talk over me threatening me, telling me I 'm basically stupid because I have a past due payday loan and trying to make me believe he is the only thing that can keep me from going to jail. I finally just started saying ok as he continued to belittle me so I could get this issued resolved. I asked to speak with a manger and he deined my request saying that he is the only one who works there and has been assigned to my case. I noticed online that other people have also had trouble with Coastal Financial Solutions LLC and it needs to stop, we are all human beings with feelings and difficult life situations. This rep was so rude and derogatory, I tried to stand my ground but he would not let me speak. He made me feel as if I have no options left.
04/28/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	TN 37027	Web
A representative by the name of XXXX of Coastal Financial Solutions called my place of employment and voluntarily informed the person that answered they telephone that I was being contacted for a legal matter concerning a return check. She left a number to return they call and when I called back she yelled at me about paying back a loan that I know nothing about. I could barely understand what she was saying as XXXX was not her first language, so she hung up and stated she would see me in court. This is the XXXX organization at has called me about a similar situation and it is always the incorrect information. The reason for my compliant is this person failed to follow proper steps in attempting to contact someone about a debt. I have not received anything from this company via email or telephone validating this debt. For this individual to share information with my employees of this nature impacts my intergrity amd has now caused a issue at my job with Human Resources. When I called to ask for the President of the Company, I spoke with a male that stated his name was XXXX XXXX. I will be filing this same compliant with the Attorney General and Frderal Trade Commission as well. The actions mentioned above by XXXX is illegal and should be handled accordingly. I have the electronic copy of the communication from my employee concerning this message as she was also stunned by the persistence of this representative. I have never competed anything illegal in my life and refuse to allow something of the magnitude impact my position or credit files. I wanted to make sure that this story was posted for all to see as I continue to take the neccessary steps to ensure organizations like the XXXX mentioned above does not get away with this kind of misconduct. ( I would like to add that although I selected " Talked to a XXXX party about MY debt '' ... I am not admitting that this debt belongs to me. It was the closest category listed to describe my situation.
10/13/2017	No	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	OR 978XX	Web
Repetitive phone calls to friends and family more than twice for each member, telling them that someone wants to file a complaint against me, inferring a criminal charge which is false. I am on XXXX and they can not collect from me and they have been told that. But they still call from all these numbers weekly harassing me and my family. Part of the messages are spoken by a human and the other parts are computer generated. XXXX CFS, Central Financial Services XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Also ID themselves as XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX? ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFS. XXXX XXXX XXXX CFS XXXX CFS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CFS Legal Department XXXXXXXX CFS XXXX XXXX XXXX CFS XXXX CFS XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFS XXXX CFS, XXXX XXXX XXXX CFS XXXX CFS, XXXX XXXX XXXX CFS, Coastal XXXX CFS, XXXX XXXX XXXX , XXXX XXXX XXXX CFS, CFS/Coastal XXXX CFS, XXXX, XXXX XXXX CFS XXXX CFS XXXX CFS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFS XXXX XXXX CFS XXXX CFS/XXXX XXXX CFS Collecions XXXX CFS/Coastal XXXX CFS XXXX CFS XXXX CFS XXXX CFS XXXX CFS, Coastal XXXX CFS XXXX CFS ( Using State Compliance Officer Scam Routine ) XXXX CFS, XXXX XXXX , XXXX & XXXX XXXX XXXX Coastal, XXXX XXXX , CFS, XXXX XXXX XXXX , Coastal Financial XXXX Coastal , XXXX XXXX XXXX , XXXX XXXX XXXX CFS XXXX CFS, XXXX XXXX XXXX CFS XXXX CFS XXXX XXXX Coastal XXXX Hopeful, CFS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFS XXXX XXXX CFS XXXX CFS XXXX CFS XXXX XXXX, XXXX XXXX CFS XXXX CFS XXXX XXXX, XXXX, CFS XXXX company calling for XXXX XXXX XXXX CFS XXXX The XXXX XXXX XXXX, CFS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/09/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	VA 242XX	Web
The company was Coastal Financial Solutions who continued to call. I initially did n't recall the debt ; however, after a few minutes of research on my bank statements, I found verification. I made two honest payments on my account, which I stopped making due to financial constraints. There was claim by Coastal Financial Solutions that they had made numerous attempts to contact me, which I never recalled receiving. We took the payments off autopay and genuinely forgot about the debt. On XXXX XXXX, 2016, I received several consecutive calls from a person representing Coastal Financial Solutions, who DID NOT state that this was an attempt to collect a debt and all information would be used for the purpose. He also stated that if it was n't resolved then it could be considered a felony and possible jail time. I was then transferred to the supervisor who said the same thing. Then the call was disconnected. I have received no correspondence from XXXX, nor have I received any correspondence from Coastal Financial Solutions. I have n't received any summons to court or any legal documents. When asked to receive correspondence by mail, they refused, when the law states they must send written correspondence within 5 days. They considered my request a refusal to pay. They said that my lack of recollection was considered a refusal to pay. After a few minutes of researching bank statements, I recalled that I did, in fact, take out the loan and I am responsible for it. I called them back and spoke to the same supervisor, who said he would send a settlement agreement of approximately {$790.00} by XXXX on XXXX XXXX, 2016 through e-mail.
06/14/2017	No	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	OK 74701	Web
XXXX / XXXX / XXXX I was called by a XXXX XXXX from Coastal Financial Solutions . I was informed that he was an attorney and if I did not set up payment arrangements with him that I would have fraud charges filed against me. This happened before, but it was a woman. I set up arrangements to stop her from calling then i canceled my debit card so they could n't take money out of my account. This time XXXX XXXX was forceful and used many scare tactics to get me to give my information. I called my daughter and she called him back to get more information. He said that he did not state he was an attorney, nor did he admit to saying they were going to file fraud charges against me. When she asked him for more information and offered a payment of {$10.00} per check instead of the original {$40.00}, he refused and stated he would n't change the payment that was already arranged. I asked for a letter stating his refusal to accept the lower payment and he said " are you going to make the payment or not? If not I am pursuing legal actions against you. '' After that he proceeded to ask my daughter " why wont you help her make these payments '' once she got upset about that statement and told him not to talk to her that way he hung up on her. I have never even received a letter from them. Also, he called me 3 times at my job between XXXX XXXX after I have told them in the past to never call me at my job.
07/14/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	TN 38583	Web
I received a call from the number ( XXXX ) XXXX on Tuesday, XXXX XXXX on my cell phone. Because I was at work I did not answer. A XXXX XXXX left a voicemail telling me that they had a legal matter pending against me that I may not be aware of. He said he was with the office of Coastal Financial Solutions. He said that it was important for me to get back with him or if I have an attorney I could pass his number on to him/her ; however, he would prefer to speak to me. This was at XXXX. I left to do an errand maybe 10 minutes later, and while I was gone, he called my place of employment telling them it was urgent I call back. My employer does not like for people like that to contact our place of business, and I need my job. After I left work for the day, around XXXX, I called the number back to see what all of this was about. No one answered so I left a voicemail asking them to not call my place of employment again. He called back today, Thursday, on my cell phone. He left another voicemail telling me to call him back immediately and to do so before XXXX. because he was going to the courthouse. I have googled this number, and everything about it has referred me to this site. I was under the impression that you were to receive any pending debt collection through mail, not harassing phone calls. I do not know what this is about, but I would like it to stop.
07/15/2016	Yes	Debt collection I do not know	False statements or representation Indicated committed crime not paying	TN 37415	Web	Servicemember
I received a missed call from phone number XXXX, when I called the number back a man answered saying " this is ( his name ). '' He would not identify himself further and started typing something. I asked if he represented a business of some sort and he would not answer. He did n't say anything else and told me to listen to my voicemail messages and call him back. When I listened to the messages there was only a man breathing into the phone. I called back asking if it was a joke, he got very aggressive in tone with me an would not answer who he worked for because he could n't find my phone number in his system. He then asked for my social security number and refused to identify themselves further. After prodding he finally told me he worked for " Coastal financial solutions '' an internet search reveals complaints that their employees are indeed aggressive and disrespectful, but they all seemed to identify themselves. I am concerned that someone is committing fraud as a false employee of the company looking for SSN 's or that I have an outstanding debt I am unaware of. I do not have any dings on my credit report so I am assuming the former. Please let me know if this was a legitimate phone number associated with your company or I 'll be reaching out to the FBI. Thank you.
04/24/2017	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	TN 37363	Web
This is dictation from my phone. This man immediately called and asked for my supervisor, and after I denied him he became abusive in language. I asked the man to prove to me that I owe this debt with a letter in the mail. He said ok then started threatening me with legal action. ... ... .Hi XXXX XXXX this is XXXX . _______ gav e him up with you here maybe a few minutes ago in regards to case number XXXX again XXXX I contacted yo u on behalf of CFS in regards to this matter um before you decided to disconne ct _ call um I was tryi ng to make you aware of it to let you know that it does require your immediate attention I 'm at this time ________ you have _ within 48 hours to contact __ office or you can ha ve a 10 _____ the attorney that you stated that you have you can have him contact ____ office on your behalf before we ___ forced to make a final decision which may result in a civil suit bein g filed under your name and Social Security number ____ ___ ______ __ XXXX I 'm at this time you have within 24 hours to comply I can be reached at XXXX one _______ reference XXXX so we will be sending you over ___ correspondence that you need __ to your payroll ___ resources department ___ it 's going to come from my administrative assistant
12/15/2017	No	Mortgage Conventional home mortgage	Struggling to pay mortgage	FL 34953	Web
THIS IN REGARDS TO THE 2ND MORTGAGE WITH COASTAL FINANCIAL IN NEW JERSEY, XXXX IS MY PRIMARY MORTGAGE AND I AM CURRENT WITH THEM. COASTAL FINANCIAL IS TRYING TO FORECLOSE ON THE PROPERTY, I BELIEVE THEY HAVE SOLD THE LOAN TO XXXX XXXX IN XXXX, NJ. I HAVE BEEN TRYING TO GET THEM TO MODIFY THE LOAN AND HAVE NOT BEEN SUCCESSFUL. THIS COMPANY DOES NOT DO ANY TYPE OF LOAN MODIFICATION APPLICATION, ONLY A VERBAL WITHOUT OBTAINING ANY FINANCIAL AFFIDAVIT. THEY EXPECT A LARGE DEPOSIT TO BE MADE, FOR INSTANCE I WAS TOLD TO PAY ABOUT {$3900.00}, THEN WITHIN A FEW WEEKS ( AFTER I HAD XXXX AND COULD NOT MAKE THE {$3900.00} DEPOSIT ) IT WENT {$6100.00} WHICH I THEN MADE. A CONTRACT WAS THEN DRAFTED BY THEM AND I DID NOT AGREE TO THE TERMS, BECAUSE THEY WANTED AN ADDITIONAL {$8800.00} ON TOP OF THE {$6100.00} TO CONTINUE WITH THE MODIFICATION. I BELIEVE SOME HOW THESE PEOPLE ARE TRYING TO RIP ME OFF. I DID GET MY {$6100.00} BACK WHEN I REFUSED TO GIVE THE ADDITIONAL {$8800.00}, NOW THEY ARE MOVING FORWARD AGAIN WITH THE FORECLOSURE. I NEED HELP, THESE PEOPLE ARE TRYING TO STEAL MY HOME.
01/05/2016	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	OH 43235	Web
I received a voicemail saying that I was trying to be contacted and if the message was not returned, paperwork would be filed with the local county authorities. I returned the call within 30 min and was informed that I was being prosecuted for writing a bad check for a loan. Later in the conversation I was told the company I was speaking with was Coastal Collections. When I asked details, I was told that the date was in 2013, the amount {$450.00}, and it was for XXXX XXXX. When I asked for contact information for XXXX XXXX, who I have never heard of, I was told I could not have that information. I have never taken a loan for {$450.00}, written a bad check, or been notified of this being a collection against me. When I asked when I could expect documentation from XXXX, Coastal Collections said it was up to XXXX, but I could expect a subpeona soon and could fight this in court.
11/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	CA 94546	Web
A rep ( Assistant Director of Operations of the Process and Warrant Division ) from Coastal Financial Solutions called and left me a voicemail stating that there are allegations of fraud under my name and social security number that they had tried numerous times to talk to me about my loan debt, and that since this has n't been resolved outside of court and if it was n't resolved within 24 hours, that they would send my case back to my county for further processing to be scheduled. He said that if I want to get this resolved out of court I had only until XXXX EST to call him back. At this point, this was the first I had heard from them. If they had called previously, they did n't leave a message.
05/11/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48188	Web
This place is calling my relatives ( not sure how they got their numbers ) stating that their is a claim they are moving forward on so they need me to contact them by XXXX or XXXX that day. I am not aware of what claim this is for ... nor is it one I 've ever received via snail mail. I am not going to assume I have a debt because of a phone call. They are faxing my place of employment with documents that are not legal but trying to obtain personal information. They are stating they are trying to locate me, but have not sent any formal documentation stating what this claim is for.
04/11/2017	Yes	Debt collection Payday loan	Communication tactics Used obscene/profane/abusive language	CA 945XX	Web
Highly rude! Called my place of employment 4 times in a row speaking to different people. Left a voicemail stating that i will be sued and he will be faxing personal paper work regarding my debt to my HR Dept in 48 hours. After calling XXXX XXXX back he proceeded to speak to me like a was an stray dog. I asked to speak to someone else. Even after doing so he proceeded with his disrespectful tone. Totally XXXX the rest of my work day. Odd collection practices and I never once refused to pay. Something is wrong with this guy!
05/01/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 17050	Web	Older American, Servicemember
We received calls on our home phone, work phone, wife 's cell phone, daughter 's cell phone, older son 's cell phone from a woman who identified herself as XXXX XXXX from Coastal Financial Solutions - phone number XXXX - on XXXX / XXXX / XXXX at XXXX . She stated she was conducting an " investigation '' of our younger son who is in the XXXX and currently XXXX in XXXX . This son told us he has no business with this company and is prohibited from taking payday loans.
07/21/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	AZ 85295	Web	Servicemember
VM was left on my friends phone by XXXX XXXX from Coastal Financial Solutions - called a reference of mine from something I supposedly did - and told them basically if they could not get in contact with me they would begin the legal process against me in court in the county I live - stated county.. left a case number to reference - XXXX - and XXXX numbers - XXXX ext XXXX and then a direct line - XXXX - this call was on the XXXX or XXXX of XXXX.
11/15/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	CA 92404	Web
Customer called a number that did not belong to me but belonged to my parents, yelled at my mother insisting she was me, told her all of my information what I owe, payment got returned. I did not provide my parents number to the debt collector, and my parent 's number is on the do not call list. The collector was informed numerous times to not contact that number and continued. This collector is a 3rd party collector
08/06/2017	Yes	Debt collection Payday loan debt	False statements or representation Indicated you were committing crime by not paying debt	CA 90731	Web
Received a call from XXXX. XXXX XXXX claimed he was coastal financial legal department. Stated he had me on camera in a store and that charges are being brought against me for defrauding said company. He 's called me, my mom, dad, grandma, brother, sister in law and cousins. Seriously?!?! Is this legal??
02/16/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened arrest/jail if do not pay	CO 80921	Web
Numbers from XXXX and XXXX continue to call people around me, but not me directly, stating legal action and that I would be arrested if I did not call them. They continue to call my ex girl friends father on a repeated basis as well as my sister mother in law in which they call her by he maiden name.
01/30/2017	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	VA 22203	Web
Coastal Financial Solutions continues to call my place of employment after I have told them that I 'm not allowed to receive phone calls at work. They have also not sent any formal written communication regarding this debt. This company will also leave voicemails on my work phone stating my debt.
08/18/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IA 506XX	Web	Servicemember
The company calling leaves messages telling me that they are going to serve me at work or home and i have asked them please discontinue to call me they have not and i ignore them so now they are calling my wife 's mom telling her my business.
08/26/2016	No	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	VA 22408	Web
I am receiving calls at home, and work telling me that legal action will be taken on a payday loan that was illegal in the state of Virginia
03/17/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32817	Web

03/26/2018	No	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 93307	Web

10/13/2017	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77084	Web	Servicemember

10/12/2017	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	CA 95032	Web

04/20/2017	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	CA 95747	Web

01/30/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CT 06608	Web

11/02/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 08723	Postal mail

09/15/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32118	Web

08/11/2016	No	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	TX 77396	Web

02/17/2016	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	OR 97027	Web

10/05/2015	Yes	Debt collection Payday loan	False statements or representation Impersonated an attorney or official	OH 44281	Web

08/19/2015	Yes	Debt collection Payday loan	Communication tactics Used obscene/profane/abusive language	CA 95843	Phone

04/23/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75233	Phone

12/17/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted me after I asked not to	CO 80202	Web

11/20/2014	Yes	Debt collection I do not know	False statements or representation Indicated committed crime not paying	CO 80538	Web

11/14/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 78741	Referral

11/05/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 76021	Web

10/16/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78222	Web

08/26/2014	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	CA 92659	Web

08/07/2014	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	TX 78249	Web