Constar Financial Services Corp is a third-party debt collector based in Phoenix, Arizona that pursues overdue consumer accounts on behalf of creditors. The BBB has logged complaints alleging harassment, excessive calls, and disputed debt details against the company. Federal law limits what Constar can say and how often it can call.
Key Takeaways
- Constar Financial Services Corp is a Phoenix, Arizona debt collection agency that has operated for more than twenty years.
- BBB complaints allege excessive calls, aggressive tactics, and disputes over the accuracy of debt amounts.
- “CFS Pay” appears to be Constar’s online payment portal, based on the company’s initials and consumer search patterns.
- You have 30 days from first contact to demand written debt validation. Constar must pause collection until it complies.
- Repeated calls after a written cease request may each count as a separate FDCPA violation worth up to $1,000.
- The Wood Firm PLLC works on contingency. You pay nothing unless we win.
Free Case Review: +1-844-638-1122
Who Is Constar Financial Services Corp?
Constar Financial Services Corp is a third-party debt collection agency based in Phoenix, Arizona. The company has operated for more than twenty years, recovering debts from consumers who have defaulted on payments to creditors.
In our practice, we start by comparing whatever Constar sent against the FDCPA’s disclosure requirements, since complaint patterns against this agency frequently involve unclear or disputed debt amounts.
The agency is licensed and legitimate, but according to its BBB complaint history, consumers have raised recurring concerns about harassment, aggressive calls, and alleged misrepresentation of debt details.
- Headquarters: 3561 W. Bell Road, Phoenix, AZ 85053
- Phone: 888-522-2443 | (888) 522-2443 | +1 888-522-2443
- Payment Portal: CFS Pay (cfspay.com), Constar’s apparent online payment system
Constar is one of several agencies that generate similar complaints. See our coverage of Action Financial Services debt collection harassment for a comparable pattern.
Constar Financial Services Phone Numbers
Constar Financial Services primarily contacts consumers from one main number, though search records show at least one additional number tied to the company.
- Primary: 888-522-2443 | (888) 522-2443 | +1 888-522-2443
- Also reported: 800-314-7195
If either number called you, document the date, time, and content of the call.
Why Is Constar Financial Services Calling You?
Constar Financial Services is calling you because a creditor assigned or sold your account for third-party collection. The company did not originate the debt, and it profits from convincing you to pay quickly.
BBB complaints describe a recurring pattern: excessive calls, including contact continuing after a consumer asked the calls to stop, and confusion over the exact amount owed. If Constar cannot clearly state the original creditor and the current balance, that gap may support a validation claim.
Do not pay before verifying the debt. If Constar refuses to provide written proof, that refusal alone may be a violation.
Is Constar Financial Services a Scam?
Constar Financial Services Corp is a real, licensed debt collection agency, but licensed does not mean every tactic is legal. It has operated for more than twenty years and is not a fake company.
Genuine collectors do not demand payment through gift cards, refuse written proof of a debt, or threaten arrest for nonpayment. If a caller does any of these while claiming to be Constar, verify the agency directly through the BBB or the FTC before responding.
Is Constar Financial Services Banned by the FTC?
No. Constar Financial Services has not been banned by the FTC.
Consumers have instead filed BBB complaints and, where warranted, pursued FDCPA claims directly. In our practice, we treat the absence of an FTC ban as no guarantee of compliance, since the BBB record already documents a pattern of disputed calls.
What Constar Financial Services Cannot Legally Do
Under the FDCPA, Constar cannot:
- Call before 8 a.m. or after 9 p.m. in your time zone
- Use profanity, threats, or intimidation tactics
- Threaten wage garnishment, arrest, or legal action it cannot lawfully take
- Discuss your debt with your employer, family, or coworkers
- Continue collection after receiving a written validation request without providing documentation
- Contact you at work after you have asked it to stop
Constar can pursue a valid debt through a lawsuit and, after winning a judgment, garnishment. It cannot skip straight to garnishment threats before any court has ruled, and a threat made without that authority may itself be a violation.
How to Stop Calls from Constar Financial Services
1. Request Debt Validation
Send a written request by certified mail demanding the debt’s origin, the exact amount, and Constar’s authority to collect it. Constar must pause collection until it responds.
2. Limit or End Communication
Send a written request to restrict contact to certain hours or methods, or to stop entirely. Constar must comply under the FDCPA.
3. Document Everything
Keep a record of every call, voicemail, and letter, including the date, time, and what was said. This evidence becomes critical if you file a complaint or pursue legal action.
4. Send a Cease-and-Desist Letter
If calls continue, send a written cease-and-desist by certified mail. After receipt, Constar may only contact you to confirm cessation or notify you of legal action.
5. Consult an Attorney
In our practice, once we send formal notice of representation, Constar must route all further contact through our office instead of calling you directly.
How The Wood Firm PLLC Helps Stop Constar Financial Services Harassment
When Constar calls excessively, discloses your debt to unauthorized third parties, or cannot clearly state what you owe, those patterns can support claims under the FDCPA. Learn more about how The Wood Firm PLLC works for clients before you call.
The Wood Firm PLLC has represented consumers exclusively for more than a decade and has never represented a creditor. You pay nothing upfront, and Constar pays our fees if we win. Call +1-844-638-1122 for a free case review.
Has Constar Financial Services crossed the line with you? Visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC handles these cases on contingency. If Constar Financial Services violated federal law, the company pays our fees.
Frequently Asked Questions About Constar Financial Services
Why is Constar Financial Services calling me?
Constar is likely contacting you about an account a creditor assigned or sold for collection. You have the right to request written validation before making any payment.
What is Constar Financial Services?
Constar Financial Services Corp is a Phoenix, Arizona third-party debt collection agency that has operated for more than twenty years. It recovers unpaid accounts on behalf of creditors.
What is Constar Financial Services’ phone number?
Constar’s primary number is 888-522-2443. Search records also associate the number 800-314-7195 with the company, so document any call from either number.
Who does Constar Financial Services collect for?
Constar collects overdue accounts on behalf of creditors that have given up on direct recovery. It did not originate the debt and typically works on commission or after purchasing the account.
Is Constar Financial Services legit?
Yes. Constar Financial Services Corp is a licensed, operating debt collection agency, not a scam. That does not mean every tactic used against you is legal, so verify any debt before paying.
What is CFS Pay?
CFS Pay appears to be the online payment portal associated with Constar Financial Services, based on the company’s initials. Confirm any balance through written validation before submitting payment through any portal.
Can I stop Constar’s calls permanently?
Yes. Sending a written cease-and-desist letter by certified mail can legally halt most further contact, aside from confirming cessation or notifying you of legal action.
For more on collectors with similar complaint patterns, see our coverage of Financial Recovery Services debt harassment, Credit Corp Solutions debt collection harassment, and Professional Adjustment Corp phone harassment.
What to Do If Constar Financial Services Contacts You Next
A company with a documented pattern of excessive calls and disputed debt details will not change its approach on its own. Document every call, request written validation, and keep any letters that arrive.
The Wood Firm PLLC reviews these cases free of charge on contingency. Call +1-844-638-1122 to find out where your case stands.
Jeff Wood represents consumers exclusively, never creditors or collectors. He has litigated FDCPA cases for more than a decade and is admitted in multiple federal district courts. He practices from Little Rock, AR.
