Constar Financial Services LLC or Constar is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Constar Financial Services?
Constar Financial Services, LLC (CFS) is a multi-service Accounts Receivable Management (ARM) company that also offers first- and third-party collection services. CFS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including misrepresentation and threatening to take actions that cannot legally be taken. If you have been contacted by CFS, make sure you understand your rights before responding.
According to its website, Constar Financial Services “is a leading business process outsourcing company providing end-to-end customer engagement and customer management solutions through two distinct, but affiliated, privately held entities—Empereon Marketing, LLC and Constar Financial Services, LLC.”
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Is Constar Financial Services a scam?
They’re legit. According to the Better Business Bureau (BBB), Constar Financial Services, LLC is a legitimate collection agency founded and incorporated in Colorado in 1997 and started locally in Phoenix, AZ in 2004. The BBB established its profile page in 2006. Empereon Constar Financial Services is listed as a telemarketing service that uses the alternate business names, Empereon Marketing, LLC and Constar Collections. Buzzfile estimates the annual revenue for Constar’s parent company, Empereon Marketing, LLC, at $50 million and the size of its headquarters staff at 159 employees, with a total estimate of 575 employees across all locations.
Who does Constar Financial Services collect for?
Constar Financial Services “provides end-to-end customer interaction solutions across the whole spectrum of credit, risk, customer care, consumer service, and accounts receivable management for global industry partners.” Their clients include companies offering services in auto finance, banking, consumer finance, credit management, cable, entertainment media, energy, e-commerce, global payment processing, government, internet, retail, satellite broadband, student loans, telecommunications, and utilities.
CFS provides its clients with professional services “across multi channel (email, chat, phone) communication platforms.” In addition to first- and third-party collections, their call centers also provide outsourced customer service; fraud detection; customer retention; back office administration; and redemption and reinstatement services.
Empereon Constar Financial Services cites a compliance policy that “encompasses a broad range of leading compliance solutions implemented to meet the demands of regulatory oversight, consumer expectations, client requirements, and CFPB overview, including … in-depth training, a continuous process improvement program, security measures, regular internal audits, annual third-party audits, SSAE 16 certification, moving to SSAE 18 certification, SOC II, and PCI DSS compliance.” However, the Empereon Constar Financial Services website does not provide
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against Empereon Constar Financial Services?
As of December 2017, the Better Business Bureau (BBB) has closed 17 complaints against Constar Financial Services in the preceding 3 years, with 4 closed in the past 12 months.Most of those complaints allege problems with billing and collections. As of April 2015, the Consumer Financial Protection Bureau (CFPB) has received 13 complaints about CFS. Justia lists at least 7 cases of civil litigation involving either Constar Financial Services, LLC or Empereon Marketing, LLC.
Can Empereon Constar Financial Services Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely Constar would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
In 2016, a class action lawsuit out of Wisconsin claimed Constar Financial Services, LLC violated the Fair Debt Collection Practices Act (FDCPA) by sending the plaintiff a collection letter stating it held a Wisconsin Collection Agency License when such a statement was not true. According to the complaint, the defendant was not licensed by the Wisconsin Office of the Administrator of the Division of Banking or any other state governmental agency even though it has misrepresented itself as so in collection letters. Making materially false statements is a violation of the FDCPA because it may confuse the unsophisticated consumer.
Lawsuits against Constar Financial Services commonly cite problems resulting from disagreements about payment arrangements and billing documentation.
In December 2016, a complainant indicated that she had been notified by CFS that they had assumed management of her student loans. Because she was a full-time student at the time she was notified, she contacted CFS and requested a deferment, but CFS indicated they could not accommodate her request. She requested a “reasonable monthly payment plan to… which an amount was agreed on,” but when she asked for “written verification of the new monthly payment plan,” Empereon Constar Financial Services representatives allegedly denied her request, insisting that she “had to first pay them or provide them with her bank account information in order to get written verification of the payment plan.” CFS representatives indicated that this requirement was the result of “an internal decision and that no further explanation would be provided.” The complainant indicated that she had “satisfied the monthly payment amount as verbally agreed to but CFS continues to report negatively on her credit report and still refuses to produce…written verification of the monthly payment plan…despite emailed complaints to management.”
In response, Constar Financial Services apologized for the “lack of response to her earlier inquiries.” They indicated that a “letter confirming her payment arrangement has been sent to her…and that…any request for a payment… deferment of any type needs to be addressed to Navient the original creditor directly.” In a rebuttal to this reply, the complainant indicated that she had not received the written notification of the payment arrangement and that she would not accept their response as a resolution until she had an agreement in writing. CFS replied again, insisting that they had mailed the notification, but that they would re-send the agreement if she could provide them with a fax number or email address. They described the written agreement as a letter outlining a “a 24-month payment plan, and that once the payment plan is completed Empereon Constar Financial Services will provide a current payment letter for the next 24 months.”The complainant did not provide any further reply.
Constar Financial Services Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Can I sue Constar for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
“We realize that ours is just one small case among many – and many more serious – but are heartened by the fact that you accepted it and represented us with a professionalism that belied the small dollar amount.”
“If you are unsure about this company…DONT BE!!! They are for real when they say they are here to help you. It only takes a few short minutes of your time to talk to a rep. I was a skeptic, but you did everything you said you would! I can’t say thank you enough!”
”Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”
“I won’t be afraid to contact you or recommend your services to others for debt collection difficulties. Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. I am most grateful.”
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.