Total CFPB complaints
89
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 89 complaints
BANK OF THE WEST — Debt Collector Complaint Profile
CFPB complaint profile across 23 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about BANK OF THE WEST
- Attempts to collect debt not owed
Attempts to collect debt not owed
36 complaints
- Written notification about debt 13
Written notification about debt
13 complaints
- False statements or representation 6
False statements or representation
6 complaints
- Cont'd attempts collect debt not owed 5
Cont'd attempts collect debt not owed
5 complaints
- Communication tactics 4
Communication tactics
4 complaints
- Disclosure verification of debt 3
Disclosure verification of debt
3 complaints
C
Grade C · 60.9/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about BANK OF THE WEST?
BANK OF THE WEST has accumulated 89 total CFPB complaints across 23 states, with 0 filed in the most recent 12 months against 89 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 97% timely-response rate against a 17% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 23 states, led by California with 43 and Iowa with 6, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 60.9/100 places BANK OF THE WEST in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
23
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
C
60.9/100 composite
Response-quality profile
How BANK OF THE WEST performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 96.6%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 33.3%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 41.1%
Share of US states + territories with at least one filed complaint against this collector.
How does BANK OF THE WEST compare to its peers?
BANK OF THE WEST National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2020-08 2023-02
Top Consumer Issues
Attempts to collect debt not owed36 (%)
Written notification about debt13 (%)
False statements or representation6 (%)
Cont'd attempts collect debt not owed5 (%)
Communication tactics4 (%)
Disclosure verification of debt3 (%)
Took or threatened to take negative or legal action3 (%)
Most common issue: Attempts to collect debt not owed — Debt was result of identity theft
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt was result of identity theft | 19 |
| Attempts to collect debt not owed | Debt is not yours | 12 |
| Written notification about debt | Didn't receive enough information to verify debt | 8 |
| False statements or representation | Attempted to collect wrong amount | 6 |
| Written notification about debt | Didn't receive notice of right to dispute | 5 |
| Attempts to collect debt not owed | Debt was paid | 5 |
| Cont'd attempts collect debt not owed | Debt is not mine | 5 |
| Communication tactics | Frequent or repeated calls | 4 |
| Disclosure verification of debt | Not given enough info to verify debt | 3 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 3 |
Where do complaints against BANK OF THE WEST come from?
The states where consumers have filed the most CFPB complaints against BANK OF THE WEST. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against BANK OF THE WEST
Across 23 states with at least one filing
- California
California
43 complaints
- Iowa 6
Iowa
6 complaints
- Florida 4
Florida
4 complaints
- Colorado 4
Colorado
4 complaints
- Georgia 3
Georgia
3 complaints
- New Mexico 3
New Mexico
3 complaints
- Oklahoma 2
Oklahoma
2 complaints
- Illinois 2
Illinois
2 complaints
Frequently Asked Questions
What is the most common complaint against BANK OF THE WEST? ▼
The most common issue consumers report about BANK OF THE WEST is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 89 complaints filed with the CFPB.
Are complaints against BANK OF THE WEST increasing or decreasing? ▼
Complaints against BANK OF THE WEST have been stable. The company received 0 complaints in the last 12 months.
What is BANK OF THE WEST's reputation grade? ▼
BANK OF THE WEST has a reputation grade of C (score: 60.9/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does BANK OF THE WEST respond to consumer complaints? ▼
BANK OF THE WEST has a 97% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.
In how many states does BANK OF THE WEST operate? ▼
BANK OF THE WEST has received CFPB complaints from consumers in 23 states, with the most complaints from California (43 complaints).
What can I do if BANK OF THE WEST is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If BANK OF THE WEST violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |