Total CFPB complaints
59
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 59 complaints
We Collect Inc — Debt Collector Complaint Profile
CFPB complaint profile across 7 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about We Collect Inc
- Attempts to collect debt not owed
Attempts to collect debt not owed
15 complaints
- False statements or representation
False statements or representation
10 complaints
- Written notification about debt
Written notification about debt
9 complaints
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
8 complaints
- Disclosure verification of debt 4
Disclosure verification of debt
4 complaints
- Took or threatened to take negative or legal action 2
Took or threatened to take negative or legal action
2 complaints
F
Grade F · 47.3/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about We Collect Inc?
We Collect Inc has accumulated 59 total CFPB complaints across 7 states, with 5 filed in the most recent 12 months against 54 historical complaints before that window. The trailing-12-month volume represents 8.5% 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 73% timely-response rate against a 44% 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 7 states, led by Oregon with 38 and Washington with 13, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 47.3/100 places We Collect Inc 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
5
8.5% of total history
Falling ↓
States active
7
Distinct state filings
Timely response rate
73%
Within CFPB SLA window
Consumer disputes
44%
After company response
Reputation grade
F
47.3/100 composite
Response-quality profile
How We Collect Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 72.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 88.9%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 12.5%
Share of US states + territories with at least one filed complaint against this collector.
How does We Collect Inc compare to its peers?
We Collect Inc 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)
2019-03 2026-02
Top Consumer Issues
Attempts to collect debt not owed15 (%)
False statements or representation10 (%)
Cont'd attempts collect debt not owed8 (%)
Written notification about debt9 (%)
Disclosure verification of debt4 (%)
Took or threatened to take negative or legal action2 (%)
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 | 10 |
| False statements or representation | Attempted to collect wrong amount | 10 |
| Cont'd attempts collect debt not owed | Debt is not mine | 6 |
| Attempts to collect debt not owed | Debt was paid | 5 |
| Written notification about debt | Didn't receive notice of right to dispute | 5 |
| Written notification about debt | Didn't receive enough information to verify debt | 4 |
| Cont'd attempts collect debt not owed | Debt was discharged in bankruptcy | 2 |
| Disclosure verification of debt | Right to dispute notice not received | 2 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 2 |
| Disclosure verification of debt | Not given enough info to verify debt | 2 |
Where do complaints against We Collect Inc come from?
The states where consumers have filed the most CFPB complaints against We Collect Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against We Collect Inc
Across 7 states with at least one filing
- Oregon
Oregon
38 complaints
- Washington 13
Washington
13 complaints
- Idaho 1
Idaho
1 complaints
- Maine 1
Maine
1 complaints
- Oklahoma 1
Oklahoma
1 complaints
- Florida 1
Florida
1 complaints
- California 1
California
1 complaints
Frequently Asked Questions
What is the most common complaint against We Collect Inc? ▼
The most common issue consumers report about We Collect Inc is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 59 complaints filed with the CFPB.
Are complaints against We Collect Inc increasing or decreasing? ▼
Complaints against We Collect Inc are falling. The company received 5 complaints in the last 12 months, showing improvement over prior periods.
What is We Collect Inc's reputation grade? ▼
We Collect Inc has a reputation grade of F (score: 47.3/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does We Collect Inc respond to consumer complaints? ▼
We Collect Inc has a 73% timely response rate to CFPB complaints. Consumers disputed the company's response in 44% of cases.
In how many states does We Collect Inc operate? ▼
We Collect Inc has received CFPB complaints from consumers in 7 states, with the most complaints from Oregon (38 complaints).
What can I do if We Collect Inc 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 We Collect Inc 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 |