Coast to Coast Financial Solutions: Who They Are and Your Rights

Type

Collection agency

Also known as

Coast to Coast Financial Solutions, Inc.

Headquarters

Thousand Oaks, CA

Collects

waste management bills, pest control and lawn service bills, security alarm contracts, insurance, media subscriptions, business-to-business accounts

Phone numbers it lists

(805) 506-8195, (805) 506-8060

Website

c2cfsi.com

72 debt collection complaints were sent to the Consumer Financial Protection Bureau about Coast to Coast Financial Solutions, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Coast to Coast Financial Solutions?

Coast to Coast Financial Solutions, Inc. calls itself "a professional, full service debt collection agency." Its office is at 101 Hodencamp Road, Suite 120, Thousand Oaks, California 91360. The website lists (805) 506-8195 for customer service and (805) 506-8060 for collections. It offers flat-fee, contingency and legal collection services to businesses.

The company's website lists NMLS No. 1071297 and a Nevada collection agency license (CA05094). California's Department of Financial Protection and Innovation (DFPI) lists it under Debt Collection Licensing Act license No. 10537-99.

Why Coast to Coast Financial Solutions May Be Contacting You

The industries the company names on its site are mostly recurring household and business services: waste management, pest control, lawn services, security and alarm monitoring, insurance and media subscriptions, plus commercial business-to-business accounts. So a letter from Coast to Coast often relates to a final bill or an early-termination charge after you moved, switched providers or canceled a service contract.

Those service accounts can be messy. Cancellation dates get missed, equipment returns aren't recorded, and auto-renewals can add months you didn't expect. Have your cancellation confirmation and final statement ready before you respond.

How to Check a Debt Coast to Coast Financial Solutions Says You Owe

• Read the validation notice closely. It must name the business you owe and itemize the amount, including any interest, fees, payments or credits since the itemization date (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within the validation period. Ask for the signed service agreement, the cancellation terms, and the invoices that make up the balance.
• Check for cancellation and equipment charges. Ask whether the balance includes early-termination or unreturned-equipment fees, and compare them with the contract terms.
• Confirm the creditor still owns the account. Ask whether the service provider or a buyer now holds it.
• Keep the age of the debt in mind. Texas generally limits suits on these debts to four years (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). California and other states set their own deadlines.

What Coast to Coast Financial Solutions Can and Can't Do

A collection agency that regularly collects debts owed to others is a "debt collector" under 15 U.S.C. § 1692a(6) when the debt is for personal, family or household services. On a residential trash, pest, alarm or subscription account, the agency:

• May not add collection fees unless your contract or the law allows them (15 U.S.C. § 1692f(1)).
• May not falsely state the amount or legal status of the debt (15 U.S.C. § 1692e(2)(A)).
• Must honor a written request to stop contacting you, apart from limited notices (15 U.S.C. § 1692c(c)).
• Generally may not email you at an address it knows your employer provided (12 C.F.R. § 1006.22(f)(3)), and must include a simple way to opt out of its emails and texts (12 C.F.R. § 1006.6(e)). See texts and emails from collectors.

Business-to-business accounts aren't covered by the FDCPA.

State Regulatory Record

California's DFPI lists two administrative actions involving Coast to Coast Financial Solutions. On April 1, 2025, the DFPI issued a desist and refrain order and an order assessing penalties, citing California Financial Code § 90015. On April 29, 2025, the DFPI and the company entered into a settlement agreement. Both documents are linked above. We did not find a CFPB enforcement action against the company.

For help with a collector dispute, see our FDCPA attorneys page.

Government Actions on the Public Record

• California DFPI settlement agreement (2025-04-29)
• California DFPI desist and refrain order and order assessing penalties (2025-04-01)

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Coast to Coast Financial Solutions or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Coast to Coast Financial Solutions: home page
• California DFPI: enforcement record for Coast to Coast Financial Solutions, Inc.
• CFPB enforcement actions list (checked all pages)
• CFPB Consumer Complaint Database: Coast to Coast Financial Solutions, Inc., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Coast to Coast Financial Solutions has violated any law. Company details change; tell us if something here is out of date.