What is the most common complaint against CW Financial?

The most common issue consumers report about CW Financial is "Took or threatened to take negative or legal action", specifically "Debt is not mine". This is based on 20 complaints filed with the CFPB.

Are complaints against CW Financial increasing or decreasing?

Complaints against CW Financial are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is CW Financial's reputation grade?

CW Financial has a reputation grade of F (score: 36.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does CW Financial respond to consumer complaints?

CW Financial has a 5% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does CW Financial operate?

CW Financial has received CFPB complaints from consumers in 11 states, with the most complaints from Alabama (4 complaints).

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

CW Financial - Debt Collector Complaint Profile

CFPB complaint profile across 11 states, reputation grade F.

Compiled by PlainCollector

Took or threatened to take negative or legal action

5
Attempts to collect debt not owed

4
Communication tactics

4
False statements or representation

3
Cont'd attempts collect debt not owed

3
Improper contact or sharing of info

1

Data updated September 2026

CFPB complaint disposition

CCDB record cw-financial CW Financial

Grade F · 20 CFPB filings · 5% timely · lead issue: Took or threatened to take negative or legal action · vol #1895 · compose #5059

VOL 20
GRADE F
12MO 0
STATES 11
TIMELY 5%
DISPUTE 0%
ISSUE Took or threatened to take…
RANK #1,895
COMPOSE #5,059

Volume peers

Nearest volume peer: Account Control Systems, Inc (20 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

CW Financial's 20 CFPB complaints sit next to Account Control Systems, 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 →

Filing geometry

Alabama is the plurality state for CW Financial (20.0%)

Volume rank #1,895 and composite rank #5,059 diverge by 3,164 places on PlainCollector's CFPB-derived corpus maps. Corpus placement method.

Plurality state: Alabama 20.0%; Mid-band (15–30%) · 11 states with ≥1 filing
Seasonal peak: 2017-10 14.3%; 8–15% band · 8 filings
Divergent corpus ranks: #1,895 volume; #5,059 composite; Cleanest-composite ladder is 3,164 places worse than volume

How does CW Financial compare to its peers?

How does CW Financial compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

CW Financial National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

84%

91%

Consumer-dispute ratelower is better

12%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-04 2022-07

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	5
Attempts to collect debt not owed	4
Communication tactics	4
False statements or representation	3
Cont'd attempts collect debt not owed	3
Improper contact or sharing of info	1

Where do complaints against CW Financial come from?

CW Financial's own per-state count, not a national baseline.

Alabama

4
California

4
Ohio

2
Pennsylvania

2
Iowa

1
Mississippi

1
New York

1
Oklahoma

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for CW Financial: 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: 20.

4 peers

Know your rights before responding to CW Financial: 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.