If Coast to Coast Financial Solutions has shown up on your credit report, it likely means they’re trying to collect a debt. Here’s what you need to know and how to get them removed from your credit file.
Who Is Coast to Coast Financial Solutions, Inc.?
Coast to Coast Financial Solutions, Inc. (C2CFSI) is a debt collection agency based in Thousand Oaks, California. They collect unpaid debts for businesses across several industries. While their headquarters is in Thousand Oaks, they also work with companies in nearby areas like:
- Calabasas
- Los Angeles
- Sherman Oaks
- Simi Valley
- Southern California
- Ventura
- Westlake Village
- Woodland Hills
If they’ve added a collection account to your credit report, it means a creditor hired them to recover unpaid funds.
Who Does Coast to Coast Financial Solutions Collect For?
Coast to Coast Financial Solutions works with businesses in multiple industries, including:
- Insurance companies
- Healthcare providers
- Lawn care services
- Media subscription services
- Pest control companies
- Security and alarm companies
- Waste management companies
They collect unpaid bills on behalf of these businesses and report the accounts to the credit bureaus if left unresolved.
Is Coast to Coast Financial Solutions Legitimate?
Yes, Coast to Coast Financial Solutions is a legitimate debt collection agency. They are authorized to collect debts for their clients. However, always verify any debt they claim you owe before making payments. Mistakes happen, and you have the right to request proof.
How to Remove Coast to Coast Financial Solutions From Your Credit Report
Collection accounts can stay on your credit report for up to seven years, which can lower your credit score. If you want them removed, here are your options:
- Dispute incorrect information: Check your credit report carefully. If there are errors or the debt isn’t yours, file a dispute with the credit bureaus.
- Request debt validation: You have the right to ask Coast to Coast Financial Solutions for proof that the debt is accurate and belongs to you. If they can’t provide it, they must stop collecting.
- Negotiate a pay-for-delete: In some cases, you can offer to settle the debt in exchange for having the collection account removed from your credit report. Always get any agreement in writing.
- Work with a credit repair service: Credit repair professionals can help challenge negative items and deal with collection agencies on your behalf.
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Should You Contact or Pay Coast to Coast Financial Solutions?
Before contacting Coast to Coast Financial Solutions or paying them, make sure the debt is valid and still legally enforceable. Paying an old debt can sometimes restart the statute of limitations, depending on your state.
If you’re unsure how to handle the situation, credit repair experts can guide you through the process and help protect your credit.
Can Coast to Coast Financial Solutions Sue You or Garnish Your Wages?
Debt collectors like Coast to Coast Financial Solutions can take legal action to recover unpaid debts. This could include filing a lawsuit. If they win in court, they may be able to garnish your wages or bank account, depending on the laws in your state.
Lawsuits are not guaranteed, but ignoring collection efforts can increase the risk. If you receive legal paperwork, respond promptly and consider getting legal advice.
Coast to Coast Financial Solutions Contact Information
Here’s how to reach them:
- Mailing Address:
Coast to Coast Financial Solutions, Inc.
P.O. Box 2086
Thousand Oaks, CA 91358 - Office Address:
Coast to Coast Financial Solutions, Inc.
101 Hodencamp Rd, Ste 120
Thousand Oaks, CA 91360 - Phone Number:
(888) 877-4700
Common Complaints About Coast to Coast Financial Solutions
Many collection agencies, including Coast to Coast Financial Solutions, have complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Reporting inaccurate information to the credit bureaus
- Failing to provide debt verification
- Aggressive or harassing collection tactics
If you believe they are violating your rights, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With Coast to Coast Financial Solutions
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA), which protect consumers from unfair practices. Here are a few key protections:
- Coast to Coast Financial Solutions cannot report false or incomplete information about you.
- You can request a debt validation letter within 30 days of being contacted. They must provide proof the debt is yours and the amount is accurate.
- They cannot harass you, call repeatedly, use abusive language, or publicly shame you.
- They must clearly identify themselves as a debt collection agency.
- They cannot threaten you with arrest or jail for unpaid debts.
Understanding your rights can help you take control of the situation.
Remove Coast to Coast Financial Solutions From Your Credit Report Today
If dealing with Coast to Coast Financial Solutions feels overwhelming, working with a credit repair company can help. Credit Saint has helped thousands of people challenge negative accounts, collections, and other credit issues.
They even offer a 90-day money-back guarantee, giving you extra peace of mind.
Visit their website or call (855) 281-1510 to see how they can help remove negative items and improve your credit.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
