Total CFPB complaints
20
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 20 complaints
CW Financial — Debt Collector Complaint Profile
CFPB complaint profile across 11 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about CW Financial
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
4 complaints
- Communication tactics
Communication tactics
4 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
3 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
3 complaints
- False statements or representation
False statements or representation
2 complaints
- Improper contact or sharing of info 1
Improper contact or sharing of info
1 complaints
F
Grade F · 40.7/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about CW Financial?
CW Financial has accumulated 20 total CFPB complaints across 11 states, with 0 filed in the most recent 12 months against 20 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 "Cont'd attempts collect debt not owed", narrowing to "Debt is not mine", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 5% timely-response rate against a 0% 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 11 states, led by California with 4 and Alabama with 4, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 40.7/100 places CW Financial in grade band F, 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
11
Distinct state filings
Timely response rate
5%
Within CFPB SLA window
Consumer disputes
0%
After company response
Reputation grade
F
40.7/100 composite
Response-quality profile
How CW Financial performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 5.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 0.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 19.6%
Share of US states + territories with at least one filed complaint against this collector.
How does CW Financial compare to its peers?
CW Financial 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)
2014-02 2021-09
Top Consumer Issues
Cont'd attempts collect debt not owed3 (%)
Took or threatened to take negative or legal action4 (%)
Attempts to collect debt not owed3 (%)
False statements or representation2 (%)
Communication tactics4 (%)
Improper contact or sharing of info1 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt is not mine
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 |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 3 |
| Attempts to collect debt not owed | Debt is not yours | 2 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Communication tactics | Frequent or repeated calls | 2 |
| Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | 1 |
| Attempts to collect debt not owed | Debt was paid | 1 |
| Communication tactics | Used obscene, profane, or other abusive language | 1 |
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 1 |
Where do complaints against CW Financial come from?
The states where consumers have filed the most CFPB complaints against CW Financial. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against CW Financial
Across 11 states with at least one filing
- California
California
4 complaints
- Alabama
Alabama
4 complaints
- Ohio
Ohio
2 complaints
- Pennsylvania
Pennsylvania
2 complaints
- Iowa 1
Iowa
1 complaints
- New York 1
New York
1 complaints
- Mississippi 1
Mississippi
1 complaints
- Oregon 1
Oregon
1 complaints
Frequently Asked Questions
What is the most common complaint against CW Financial? ▼
The most common issue consumers report about CW Financial is "Cont'd attempts collect debt not owed", 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 have been stable. The company received 0 complaints in the last 12 months.
What is CW Financial's reputation grade? ▼
CW Financial has a reputation grade of F (score: 40.7/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
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 California (4 complaints).
What can I do if CW Financial 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 CW Financial 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 |