CFPB · Narrative-heavy record
Gold Star Finance, Inc.
67 CFPB complaints · 44.8% with narratives · top issue Communication tactics.
Gold Star Finance, Inc.: 44.8% of 67 filings include consumer narratives. Timely 95.5% · relief 1.5% · top product Debt collection. Allegations, not findings.
- Narrative-heavy record
- +300% filings 2014 to 2026
CFPB relief outcome brief
CCDB company gold-star-finance-inc
1.5% relief · 95.5% timely · 67 filings · Debt collection
Same-product relief peers
Nearest relief peer: Wakefield & Associates, Inc. (1.5% relief)
Gold Star Finance, Inc. closes 1.5% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Gold Star Finance, Inc.'s 67 filings include narrative text
44.8% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Gold Star Finance, Inc. complaint mix by product
- Debt collection 27 40.9% – 0% relief
- Consumer Loan 12 18.2% – 8% relief
- Payday loan, 10 15.2% – 0% relief
- Credit reporting 9 13.6% – 0% relief
- Payday loan, 4 6.1% – 0% relief
- Credit reporting, 3 4.5% – 0% relief
- Credit reporting 1 1.5% – 0% relief
How Gold Star Finance, Inc.'s 67 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 27 |
| Consumer Loan | 12 |
| Payday loan, title loan, or personal loan | 10 |
| Credit reporting or other personal consumer reports | 9 |
| Payday loan, title loan, personal loan, or advance loan | 4 |
| Credit reporting, credit repair services, or other personal consumer reports | 3 |
| Credit reporting | 1 |
| Payday loan | 1 |
Concentrated filing states for Gold Star Finance, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- TX
- 97% of this company's filings
Gold Star Finance, Inc. rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 4
- +300% vs 2014
Top States
| State | Complaints |
|---|---|
| TX | 65 |
| AR | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Communication tactics | 11 |
| Problems when you are unable to pay | 9 |
| Took or threatened to take negative or legal action | 8 |
| Struggling to pay your loan | 7 |
| Improper use of your report | 5 |
| Attempts to collect debt not owed | 5 |
| Incorrect information on your report | 5 |
| Problem with a company's investigation into an existing problem | 2 |
| Problem with the payoff process at the end of the loan | 2 |
| Threatened to contact someone or share information improperly | 2 |
| Problem when making payments | 2 |
| Can't stop withdrawals from your bank account | 1 |
| Incorrect information on credit report | 1 |
| Managing the loan or lease | 1 |
| Charged fees or interest I didn't expect | 1 |
| Shopping for a loan or lease | 1 |
| Taking out the loan or lease | 1 |
| Written notification about debt | 1 |
| Problem with additional add-on products or services | 1 |
| Getting the loan | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 1 | 100% |
| 2015 | 6 | 50% |
| 2016 | 6 | 100% |
| 2017 | 6 | 100% |
| 2018 | 5 | 100% |
| 2019 | 7 | 100% |
| 2020 | 4 | 100% |
| 2021 | 4 | 100% |
| 2022 | 1 | 100% |
| 2023 | 3 | 100% |
| 2024 | 8 | 100% |
| 2025 | 12 | 100% |
| 2026 | 4 | 100% |
Source: CFPB Consumer Complaint Database
Gold Star Finance, Inc.'s narrative-rich complaint ledger
Gold Star Finance, Inc.'s 67 logged complaints stay concentrated: only 2 states show a filing. 44.8% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2014 through 2026-04-02.
Gold Star Finance, Inc. answers 95.5% of complaints inside the CFPB's tracked window and closes 98.5% with a written explanation. 1.5% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Communication tactics."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Gold Star Finance, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Gold Star Finance, Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 67.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 95.5%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Gold Star Finance, Inc. (95.5% timely; 1.5% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record