CFPB · Narrative-heavy record
Lugano Capital, Inc. d/b/a Start Auto Finance
45 CFPB complaints · 40% with narratives · top issue Incorrect information on your report.
Lugano Capital, Inc. d/b/a Start Auto Finance: 40% of 45 filings include consumer narratives. Timely 84.4% · relief 0% · top product Credit reporting or other personal consumer reports. Allegations, not findings.
- Narrative-heavy record
- +500% filings 2021 to 2026
CFPB relief outcome brief
CCDB company lugano-capital-inc-d-b-a-start-auto-finance
0% relief · 84.4% timely · 45 filings · Credit reporting or other personal consumer reports
Same-product relief peers
Nearest relief peer: Fidelity National Information Services, Inc. (FNIS) (0% relief)
Lugano Capital, Inc. d/b/a Start Auto Finance closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Lugano Capital, Inc. d/b/a Start Auto Finance's 45 filings include narrative text
40% 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.
Lugano Capital, Inc. d/b/a Start Auto Finance complaint mix by product
- Credit reporting 21 46.7% – 0% relief
- Vehicle loan 12 26.7% – 0% relief
- Debt collection 8 17.8% – 0% relief
- Credit reporting, 4 8.9% – 0% relief
How Lugano Capital, Inc. d/b/a Start Auto Finance's 45 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting or other personal consumer reports | 21 |
| Vehicle loan or lease | 12 |
| Debt collection | 8 |
| Credit reporting, credit repair services, or other personal consumer reports | 4 |
Concentrated filing states for Lugano Capital, Inc. d/b/a Start Auto Finance
Top states by attributed CFPB complaint volume for this company
- Leading state
- FL
- 84.4% of this company's filings
Lugano Capital, Inc. d/b/a Start Auto Finance rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 12
- +500% vs 2021
Top States
| State | Complaints |
|---|---|
| FL | 38 |
| GA | 3 |
| TX | 2 |
| MN | 1 |
| MA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 16 |
| Repossession | 9 |
| Improper use of your report | 5 |
| Took or threatened to take negative or legal action | 5 |
| Problem with a company's investigation into an existing problem | 4 |
| Attempts to collect debt not owed | 3 |
| Managing the loan or lease | 2 |
| Struggling to pay your loan | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2021 | 2 | 100% |
| 2022 | 1 | 100% |
| 2023 | 6 | 66.7% |
| 2024 | 15 | 86.7% |
| 2025 | 9 | 88.9% |
| 2026 | 12 | 83.3% |
Source: CFPB Consumer Complaint Database
Lugano Capital, Inc. d/b/a Start Auto Finance's narrative-rich complaint ledger
Lugano Capital, Inc. d/b/a Start Auto Finance's 45 logged complaints stay concentrated: only 5 states show a filing. 40% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2021 through 2026-06-16.
Lugano Capital, Inc. d/b/a Start Auto Finance answers 84.4% of complaints inside the CFPB's tracked window and closes 100% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting or other personal consumer reports" draws the most filings, most often for "Incorrect information on your report."
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 Lugano Capital, Inc. d/b/a Start Auto Finance.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Lugano Capital, Inc. d/b/a Start Auto Finance: 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: 45.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 84.4%.
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 Lugano Capital, Inc. d/b/a Start Auto Finance (84.4% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record