Total CFPB complaints
1,257
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 1,257 complaints
Waypoint Resource Group, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 46 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Waypoint Resource Group, LLC
- Attempts to collect debt not owed
Attempts to collect debt not owed
668 complaints
- Written notification about debt
Written notification about debt
339 complaints
- Took or threatened to take negative or legal action 93
Took or threatened to take negative or legal action
93 complaints
- False statements or representation 85
False statements or representation
85 complaints
- Communication tactics 27
Communication tactics
27 complaints
F
Grade F · 47.2/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Waypoint Resource Group, LLC?
Waypoint Resource Group, LLC has accumulated 1,257 total CFPB complaints across 46 states, with 157 filed in the most recent 12 months against 1,100 historical complaints before that window. The trailing-12-month volume represents 12.5% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", 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, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 46 states, led by Texas with 252 and Florida with 152, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 47.2/100 places Waypoint Resource Group, LLC 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
157
12.5% of total history
Falling ↓
States active
46
Distinct state filings
Timely response rate
97%
Within CFPB SLA window
Reputation grade
F
47.2/100 composite
Response-quality profile
How Waypoint Resource Group, LLC 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.
State coverage breadth 82.1%
Share of US states + territories with at least one filed complaint against this collector.
How does Waypoint Resource Group, LLC compare to its peers?
Waypoint Resource Grou… 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)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed668 (%)
Written notification about debt339 (%)
Took or threatened to take negative or legal action93 (%)
False statements or representation85 (%)
Communication tactics27 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
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 is not yours | 367 |
| Written notification about debt | Didn't receive enough information to verify debt | 188 |
| Attempts to collect debt not owed | Debt was result of identity theft | 172 |
| Written notification about debt | Didn't receive notice of right to dispute | 136 |
| Attempts to collect debt not owed | Debt was paid | 129 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 93 |
| False statements or representation | Attempted to collect wrong amount | 85 |
| Communication tactics | Frequent or repeated calls | 15 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 15 |
| Communication tactics | Used obscene, profane, or other abusive language | 12 |
Where do complaints against Waypoint Resource Group, LLC come from?
The states where consumers have filed the most CFPB complaints against Waypoint Resource Group, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Waypoint Resource Group, LLC
Across 46 states with at least one filing
- Texas
Texas
252 complaints
- Florida
Florida
152 complaints
- California
California
144 complaints
- Minnesota 68
Minnesota
68 complaints
- Pennsylvania 62
Pennsylvania
62 complaints
- Colorado 61
Colorado
61 complaints
- Washington 52
Washington
52 complaints
- Maryland 41
Maryland
41 complaints
Frequently Asked Questions
What is the most common complaint against Waypoint Resource Group, LLC? ▼
The most common issue consumers report about Waypoint Resource Group, LLC is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,257 complaints filed with the CFPB.
Are complaints against Waypoint Resource Group, LLC increasing or decreasing? ▼
Complaints against Waypoint Resource Group, LLC are falling. The company received 157 complaints in the last 12 months, showing improvement over prior periods.
What is Waypoint Resource Group, LLC's reputation grade? ▼
Waypoint Resource Group, LLC has a reputation grade of F (score: 47.2/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Waypoint Resource Group, LLC respond to consumer complaints? ▼
Waypoint Resource Group, LLC has a 97% timely response rate to CFPB complaints.
In how many states does Waypoint Resource Group, LLC operate? ▼
Waypoint Resource Group, LLC has received CFPB complaints from consumers in 46 states, with the most complaints from Texas (252 complaints).
What can I do if Waypoint Resource Group, LLC 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 Waypoint Resource Group, LLC 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 |