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Data / Consumer complaints / Lugano Capital, Inc. d/b/a Start Auto Finance

Lugano Capital, Inc. d/b/a Start Auto Finance: 50 CFPB consumer complaints in the last 3 years

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

Lugano Capital, Inc. d/b/a Start Auto Finance drew 50 consumer complaints in the CFPB database in the three years to November 6, 2026, and 57 since 2021. The largest group, 28, was about credit reporting or other personal consumer reports, and the most common issue was “Incorrect information on your report” with 16. The company responded on time to 88.0% of the complaints, and 0.0% closed with monetary or other relief.

The request: Watch Lugano Capital, Inc. d/b/a Start Auto Finance: each new CFPB complaint by product and issue, with the date and the company response. $10 of work on sign-up, no card.

Watch this company's complaintsGet every credit reporting or other personal consumer reports companyGet credit reporting or other personal consumer reports in Florida

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

  • 50Complaints, last 3 years
  • 57Complaints, all years
  • 88.0%Responded on time
  • 0.0%Closed with relief
  • 3Products
  • Oct 29, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 624
20259
202415
20236
20221
20212

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

ProductComplaintsShare
Credit reporting or other personal consumer reports2856%
Vehicle loan or lease1428%
Debt collection816%

Issues

IssueComplaintsShare
Incorrect information on your report1632%
Repossession1122%
Improper use of your report510%
Problem with a company's investigation into an existing issue510%
Took or threatened to take negative or legal action48%
Attempts to collect debt not owed36%
Managing the loan or lease24%
Problem with a company's investigation into an existing problem24%
Struggling to pay your loan12%
Written notification about debt12%

How the company responded

Company responseComplaintsShare
Closed with explanation50100%

States

StateComplaintsShare
Florida4590%
Texas24%
Georgia12%
Massachusetts12%
Minnesota12%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 29, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing issueClosed with explanationconsumerfinance.gov
October 20, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing issueClosed with explanationconsumerfinance.gov
September 27, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing issueClosed with explanationconsumerfinance.gov
September 20, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing issueClosed with explanationconsumerfinance.gov
September 20, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing issueClosed with explanationconsumerfinance.gov
September 6, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
September 2, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 29, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 14, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
July 11, 2026Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
July 1, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 16, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
June 11, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
May 27, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
May 26, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
May 8, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
April 22, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
April 20, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
March 28, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
March 17, 2026Debt collectionTook or threatened to take negative or legal actionClosed with explanationconsumerfinance.gov
February 26, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
February 3, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
January 10, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
January 7, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
November 11, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 17, 2025Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 16, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
August 17, 2025Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
August 15, 2025Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
August 13, 2025Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
July 18, 2025Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
June 26, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 21, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
December 20, 2024Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
November 8, 2024Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
October 25, 2024Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
September 26, 2024Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 8, 2024Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
June 7, 2024Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
May 2, 2024Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 17, 2024Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
April 9, 2024Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
April 4, 2024Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
April 1, 2024Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
March 26, 2024Vehicle loan or leaseManaging the loan or leaseClosed with explanationconsumerfinance.gov
March 21, 2024Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
January 17, 2024Vehicle loan or leaseManaging the loan or leaseClosed with explanationconsumerfinance.gov
January 16, 2024Vehicle loan or leaseStruggling to pay your loanClosed with explanationconsumerfinance.gov
November 20, 2023Vehicle loan or leaseRepossessionClosed with explanationconsumerfinance.gov
November 14, 2023Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov

Also on SpecStream

Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.