This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade C 89 complaints

Bank of the West - Debt Collector Complaint Profile

CFPB complaint profile across 23 states, reputation grade C.

Complaints by issue type

What consumers report about Bank of the West

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record bank-of-the-west Bank of the West

Grade C · 89 CFPB filings · 97% timely · lead issue: Attempts to collect debt not owed

  • VOL 89
  • GRADE C
  • 12MO 0
  • STATES 23
  • TIMELY 97%
  • DISPUTE 17%
  • ISSUE Attempts to collect debt n…
  • RANK #868
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Action Collection Agencies, Inc. (89 complaints)

Action Collection Agencies, Inc.Action Collection Agencies, …89Aldridge Pite, LLPAldridge Pite, LLP89Lamont, Hanley & Associates, Inc.Lamont, Hanley & Associates,…89Moss Law Firm, P.C.Moss Law Firm, P.C.89Bank of the West (this)Bank of the West (this)89
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Bank of the West's 89 CFPB complaints sit next to Action Collection Agencies, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

How the 89 complaints break down

Every complaint issue type on record for Bank of the West, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
57.5/100
Bank of the West

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume F
89
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
97%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
17%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

48.3% of Bank of the West's CFPB filings land in California

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
California 48.3%
43 of 89 filings · 23 states touched
Spike month
2025-05 25.0%
3 filings that month · spiky (≥15% of series)
Corpus ranks
#868 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Bank of the West compare to its peers?

How does BANK OF THE WEST compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
BANK OF THE WEST National average
Complaints (last 12 mo)lower is better
0
5
268
Timely-response ratehigher is better
97%
98%
91%
Consumer-dispute ratelower is better
17%
35%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Bank of the West a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 10 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 70%80%90%100%110% 0%10%20%30%40% Timely response rate (%) Dispute rate (%) Bank of the West vs. 9 similar-volume peers, by response speed and dispute rate Bank of the WestAldridge Pite, LLPLamont, Hanley & Associates, Inc.Action Collection Agencies, Inc.Moss Law Firm, P.C.National Recoveries, Inc.Pacific Credit Exchange CorporationProfessional Claims Bureau, Inc.SCHOOLSFIRST FEDERAL CREDIT UNIONRauch-Milliken International, Inc.
Source: CFPB Consumer Complaint Database

Bank of the West's complaint volume in context

Bank of the West vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

89 Top 16% higher than 84% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). This entry sits in this band. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Bank of the West 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2022-02 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
37
Written notification about debt
13
Took or threatened to take negative or legal action
9
Cont'd attempts collect debt not owed
9
False statements or representation
6
Communication tactics
6
Disclosure verification of debt
4
Improper contact or sharing of info
3
Threatened to contact someone or share information improperly
1
Taking/threatening an illegal action
1

Where do complaints against Bank of the West come from?

Bank of the West's own per-state count, not a national baseline.

Top states by complaints against Bank of the West

Across 23 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Bank of the West: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 89.

4 peers

Know your rights before responding to Bank of the West: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.