Credit bureau · complaint record
Start Auto Finance complaints
Filed under Lugano Capital, Inc. d/b/a Start Auto Finance
Consumers have filed 57 complaints about Start Auto Finance since 2021, 24 of them in the last 12 months (+140% on the year before). It answered 87.5% on time and closed 0% with relief for the customer. The most common problem is incorrect information on your report.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 57
- Last 12 months
- 24
- Answered on time
- 87.5%
- Closed with relief
- 0%
- Last 30 days
- 2
- Rank
- #131 of 566
Since November 2021
+140% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Oct 29, 2026
Most complained-about credit bureaus & report companies
Start Auto Finance complaints by month
The busiest month was September 2026 (5 complaints). Complaints in the last 12 months are up 140% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How Start Auto Finance answered all time
- Closed with explanation57100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Start Auto Finance complaints are about
Top Start Auto Finance problems
Inside "Incorrect information on your report"
- Account information incorrect 8
- Information belongs to someone else 6
- Account status incorrect 5
Where Start Auto Finance complaints come from
Most complaints: Florida (50), Georgia (3), Texas (2), Massachusetts (1), Minnesota (1).
Start Auto Finance compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Apple FinancingCredit reporting | 57 | 28 | C |
| 2 | Nav TechnologiesCredit reporting | 55 | 28 | C |
| 3 | Opportunity FundCredit reporting | 51 | 27 | C |
| 4 | Heritage Financial GroupCredit reporting | 0 | 27 | F |
| 5 | Informative ResearchCredit reporting | 60 | 26 | C |
| 6 | Pennsylvania Housing Finance AgencyCredit reporting | 56 | 25 | C |
| 7 | King of Credit FinancialCredit reporting | 10 | 25 | F |
| 8 | Start Auto FinanceCredit reporting | - | 24 | - |
Compare side by side: Start Auto Finance vs Apple Financing · Start Auto Finance vs Nav Technologies · Start Auto Finance vs Opportunity Fund · Start Auto Finance vs Heritage Financial Group
What people say about Start Auto Finance
All experiencesNo experiences with Start Auto Finance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Start Auto Finance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 29, 2026 | Credit reporting | Problem with a company's investigation into an existing issueTheir investigation did not fix an error on your report | Explained |
| Oct 20, 2026 | Credit reporting | Problem with a company's investigation into an existing issueTheir investigation did not fix an error on your report | Explained |
| Sep 27, 2026 | Credit reporting | Problem with a company's investigation into an existing issueTheir investigation did not fix an error on your report | Explained |
| Sep 20, 2026 | Credit reporting | Problem with a company's investigation into an existing issueTheir investigation did not fix an error on your report | Explained |
| Sep 20, 2026 | Credit reporting | Problem with a company's investigation into an existing issueTheir investigation did not fix an error on your report | Explained |
| Sep 6, 2026 | Auto loans & leases | RepossessionLoan balance remaining after the vehicle is repossessed and sold | Explained |
| Sep 2, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jul 29, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jul 14, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Jul 11, 2026 | Auto loans & leases | RepossessionDeficiency balance after repossession | Explained |
| Jul 1, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jun 16, 2026 | Debt collection | Attempts to collect debt not owedDebt was result of identity theft | Explained |
Questions about Start Auto Finance
How many complaints does Start Auto Finance have?
Start Auto Finance has 57 complaints on record since November 2021, including 24 in the last 12 months and 2 in the last 30 days. That makes it number 988 of every company by complaints this year.
Does Start Auto Finance respond to complaints?
Yes. Start Auto Finance answered 87.5% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Start Auto Finance?
The most common problems are incorrect information on your report (19), problem with a company's investigation into an existing issue (5), took or threatened to take negative or legal action (5).
Is Start Auto Finance legit?
Start Auto Finance is a real company with a public complaint record: consumers have complained about it 57 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Start Auto Finance legit? for the signals, red flags and how to protect yourself.
Are complaints about Start Auto Finance going up or down?
Up. There were 24 complaints in the last 12 months against 10 in the 12 before (+140%). See every month.
How do I file a complaint against Start Auto Finance?
Complain to Start Auto Finance in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Start Auto Finance complaints come from?
Most come from Florida (50), Georgia (3), Texas (2). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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