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

CFPB complaint data Grade F 3,011 complaints

W&A Intermediate Co., LLC - Debt Collector Complaint Profile

CFPB complaint profile across 51 states, reputation grade F.

Complaints by issue type

What consumers report about W&A Intermediate Co., LLC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 46.5/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: W&A Intermediate Co., LLC ranks ahead of 9% of the 5,283 collectors PlainCollector grades - 91% keep a cleaner CFPB record, on 3,011 all-time complaints and a 96% timely-response rate.

9th pct
reputation rank of 5,283 graded collectors
3,011
CFPB complaints, all-time
96%
answered inside the CFPB window
946
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about W&A Intermediate Co., LLC?

W&A Intermediate Co., LLC has accumulated 3,011 total CFPB complaints across 51 states, with 946 filed in the most recent 12 months against 2,065 historical complaints before that window. The trailing-12-month volume represents 31.4% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 96% timely-response rate.

Complaints have been recorded across 51 states, led by Florida with 493 and Georgia with 367. Normalized against the full CFPB collector database, the reputation score of 46.5/100 places W&A Intermediate Co., LLC in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

3,011

high-volume (CCDB)

Last 12 months

946

31.4% of all-time complaints

Rising ↑

States active

51

nationwide footprint

Timely response rate

96%

excellent band

Reputation grade

F

46.5/100 composite

How does W&A Intermediate Co., LLC's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

47 Bottom 9% higher than 9% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded 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 PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

W&A Intermediate Co., LLC versus the debt-collection vertical average.

Timely response within SLA 96.2%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

State coverage breadth 91.1%

Share of US states + territories with at least one filed complaint against this collector.

How does W&A Intermediate Co., LLC compare to its peers?

How does W&A Intermediate Co., LLC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
W&A Intermediate Co., … National average
Complaints (last 12 mo)lower is better
946
948
268
Timely-response ratehigher is better
96%
100%
91%
Consumer-dispute ratelower is better
0%
27%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 1,336
Written notification about debt - 672
Took or threatened to take negative or legal action - 437
False statements or representation - 375
Communication tactics - 124
Electronic communications - 46
Threatened to contact someone or share information improperly - 21

Where do complaints against W&A Intermediate Co., LLC come from?

W&A Intermediate Co., LLC's own per-state count, not a national baseline.

Top states by complaints against W&A Intermediate Co., LLC

Across 51 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if W&A Intermediate Co., LLC contacts you

A grade of F signals how W&A Intermediate Co., LLC's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really W&A Intermediate Co., LLC and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how W&A Intermediate Co., LLC ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against W&A Intermediate Co., LLC? ▼

The most common issue consumers report about W&A Intermediate Co., LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 3,011 complaints filed with the CFPB.

Are complaints against W&A Intermediate Co., LLC increasing or decreasing? ▼

Complaints against W&A Intermediate Co., LLC are rising. The company received 946 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is W&A Intermediate Co., LLC's reputation grade? ▼

W&A Intermediate Co., LLC has a reputation grade of F (score: 46.5/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does W&A Intermediate Co., LLC respond to consumer complaints? ▼

W&A Intermediate Co., LLC has a 96% timely response rate to CFPB complaints.

In how many states does W&A Intermediate Co., LLC operate? ▼

W&A Intermediate Co., LLC has received CFPB complaints from consumers in 51 states, with the most complaints from Florida (493 complaints).

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

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.