Are You Being Harassed by Coast To Coast Financial Solutions?
Debt collectors like Coast To Coast Financial Solutions (CTCFS) cannot harass you over a debt. Aggressive calls, threats, or sharing your debt with neighbors or family is illegal.
You have rights under federal and state law. If CTCFS violates the law, you may be entitled to:
Money damages (up to $1,000 under FDCPA)
Attorney fees paid by the debt collector
Possible credit repair and debt relief
You may call us today for a free consultation: 888-572-0176
Who is Coast To Coast Financial Solutions?
Coast To Coast Financial Solutions is a third-party debt collection agency based in Thousand Oaks, California. Founded in 2002, the company primarily collects debts in Southern California and has been accredited by the BBB since 2013.
| Info | Details |
|---|---|
| Address | 101 Hodencamp Rd Ste 120, Thousand Oaks, CA 91360-5831 |
| Phone | (888) 877-4700 / (805) 777-9270 |
| Website | c2cfsi.com |
| License Number | 10537-99 |
| Status | Active |
Is Coast To Coast Financial Solutions a Scam?
According to the Better Business Bureau website, Coast To Coast Financial Solutions has been in business for 16 years. There have been numerous complaints filed against CTCFS with the BBB. Additionally, there are federal complaints documented in the federal docket, PACER, highlighting lawsuits against Coast to Coast Financial Solutions, particularly concerning consumer rights violations and the Fair Debt Collection Practices Act (FDCPA).
🔗Coast To Coast Financial Solutions Better Business Bureau
Coast To Coast Financial Solutions Phone Numbers
- 📲888-877-4700
- 📲805-777-9270
- 📲(888) 877-4700
- 📲(805) 777-9270
- 📲8888774700
- 📲8057779270
If the answer is yes, then you are receiving calls from a known CTCFS number. If you are receiving these calls on your cell phone, you may have additional protections under the Telephone Consumer Protection Act (TCPA). You may be a victim of CTCFS phone harassment. The list above is not all the numbers that CTCFS uses. The calls can be from a different number and it still be Coast To Coast Financial Solutions calling you. Contact our office right away so we can start the process to stop CTCFS from calling you illegally. Above all, no one should live with harassment!
Coast To Coast Financial Solutions Lawsuits & Complaints
CTCFS has faced multiple lawsuits for FDCPA violations, consumer rights violations, and credit reporting issues.
PACER filings: 24 federal lawsuits
Google reviews: 2.7/5 rating (common complaints include harassment, misreporting debts, and improper collections)
DFPI Actions: Desist & Refrain Order (04/01/2025), Settlement Agreement (04/29/2025)
References:
How Coast To Coast Financial Solutions Violates Your Rights
Debt collectors cannot:
Call you about a debt you don’t owe
Contact you at work if prohibited
Leave messages without identifying themselves as a debt collector
Call family, friends, or neighbors about your debt
Contact you after you requested them to stop
Threaten legal action or wage garnishment without a court judgment
Call before 8 AM or after 9 PM
Communicate after bankruptcy
Fail to mark disputed debts correctly on credit reports
Violations of the FDCPA, TCPA, EFTA, or FCRA can result in statutory damages and attorney fees.
Your Rights as Consumer in 2026
Consumer rights play a crucial role in debt collection, and it’s essential to understand the laws that protect individuals from harassment and unfair practices. The Fair Debt Collection Practices Act (FDCPA) is a federal law that regulates debt collection agencies, including Coast Financial Solutions, and provides consumers with rights and protections. Managing financial obligations is crucial for maintaining accurate records and facilitating better financial management. Some key aspects of consumer rights in debt collection include:
- The right to receive written notice of the debt, including the amount owed and the name of the original creditor
- The right to dispute the debt and request validation. It is important to include the account number when requesting debt verification to ensure accurate processing and resolution of any discrepancies.
- The right to limit communication with debt collectors, including restricting contact to certain times or methods
- Protection from harassment, abuse, and unfair practices, such as threats, intimidation, and false statements
- The right to sue debt collectors for violations of the FDCPA, with potential damages including statutory damages, attorney fees, and court costs. Under certain legal provisions, consumers won’t have to pay attorney’s fees upfront, as these costs will be covered by the debt collectors in cases where the consumer wins their case.
The Fair Credit Reporting Act (FCRA) also provides protections for consumers, including the right to accurate and fair credit reporting. Debt collectors, including Coast Financial Solutions, must accurately report debt information to the credit bureaus and ensure that the information is up-to-date and accurate. Proper documentation is crucial in debt collection, as it ensures all necessary paperwork is organized and accessible, and thorough documentation of interactions is essential for building a solid case in the event of harassment or legal action.
Effective communication strategies
When communicating with Coast Financial, it’s essential to be clear, concise, and respectful. Some effective communication strategies include:
- Responding to debt collection notices in writing
- Requesting validation of the debt
- Disputing the debt if it’s inaccurate or unfair
- Considering a free case review to understand your rights and options
- Negotiating payment plans or settlements
- Keeping records of all communication, including dates, times, and details of conversations
Negotiating payment plans
Negotiating payment plans with Coast Financial can help resolve debt issues and prevent further complications. Some tips for negotiating payment plans include:
- Reviewing the debt and ensuring it’s accurate and fair. Managing outstanding balances is crucial to avoid further financial strain.
- Proposing a payment plan that’s realistic and manageable. Consumers who owe money have rights under the FDCPA, which debt collectors must respect.
- Requesting temporary hardship programs or settlements
- Ensuring that the payment plan is in writing and includes all terms and conditions
- Seeking professional help if necessary, such as from a credit counselor or attorney.
About Us
This is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. One effective way to stop the harassment is by sending a cease and desist letter to the debt collector. Rather than suffer alone, contact our office to begin the process to stop the Coast To Coast Financial Solutions harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from Coast To Coast Financial Solutions. call us at 855-385-8182 for immediate assistance or visit our website at Consumer Rights Law Firm, PLLC.
Contact the Pennsylvania Attorney General now:
FAQs
1. Is Coast To Coast Financial Solutions a legitimate company?
Coast To Coast Financial Solutions is a legitimate debt collection agency, in business for over 16 years with multiple verified complaints.
2. Why is Coast To Coast Financial Solutions calling me repeatedly?
They are likely attempting to collect a debt. Repeated calls may violate the FDCPA if they become excessive or harassing.
3. Can I stop Coast To Coast Financial Solutions from calling me?
Yes, sending a cease and desist letter can legally stop all further contact from Coast To Coast Financial Solutions under the FDCPA.
4. What are my rights if Coast To Coast Financial Solutions harasses me?
You have rights under the FDCPA to limit contact, dispute debts, and sue for up to $1,000 in damages.
5. Can Coast To Coast Financial Solutions garnish my wages?
They can garnish wages only after obtaining a court judgment, unless the debt involves federal student loans or specific government obligations.
6. How do I validate a debt with Coast To Coast Financial Solutions?
You can request a written debt validation letter within 30 days to ensure accuracy and verify the legitimacy of the debt.
7. What should I do if CTCFS appears on my credit report?
Dispute inaccurate entries with the credit bureaus and request Coast To Coast Financial Solutions to verify the reported debt properly.
8. Is Coast To Coast Financial Solutions allowed to call my family or employer?
No, discussing your debt with third parties like family or employers is illegal under the Fair Debt Collection Practices Act (FDCPA).
9. Can I negotiate a payment plan with Coast To Coast Financial Solutions?
Yes, you can propose a manageable payment plan in writing, considering your financial condition and requesting all terms clearly documented.
10. Where can I report Coast To Coast Financial Solutions for harassment?
You can file complaints with the FTC, CFPB, or your state’s Attorney General. Legal help may assist in stopping harassment.
