What is the most common complaint against West Bay Acquisitions, LLC?

The most common issue consumers report about West Bay Acquisitions, LLC is "Cont'd attempts collect debt not owed", specifically "Debt is not mine". This is based on 26 complaints filed with the CFPB.

Are complaints against West Bay Acquisitions, LLC increasing or decreasing?

Complaints against West Bay Acquisitions, LLC are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is West Bay Acquisitions, LLC's reputation grade?

West Bay Acquisitions, LLC has a reputation grade of B (score: 64.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does West Bay Acquisitions, LLC respond to consumer complaints?

West Bay Acquisitions, LLC has a 96% timely response rate to CFPB complaints. Consumers disputed the company's response in 12% of cases.

In how many states does West Bay Acquisitions, LLC operate?

West Bay Acquisitions, LLC has received CFPB complaints from consumers in 14 states, with the most complaints from Texas (8 complaints).

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

West Bay Acquisitions, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 14 states, reputation grade B.

Compiled by PlainCollector

Cont'd attempts collect debt not owed

21
Disclosure verification of debt

4
Taking/threatening an illegal action

1

Data updated September 2026

CFPB complaint disposition

CCDB record west-bay-acquisitions-llc West Bay Acquisitions, LLC

Grade B · 26 CFPB filings · 96% timely · lead issue: Cont'd attempts collect debt not owed · vol #1692 · compose #1849

VOL 26
GRADE B
12MO 0
STATES 14
TIMELY 96%
DISPUTE 12%
ISSUE Cont'd attempts collect de…
RANK #1,692
COMPOSE #1,849

Volume peers

Nearest volume peer: Accelerated Collection Service, Inc (26 complaints)

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

West Bay Acquisitions, LLC's 26 CFPB complaints sit next to Accelerated Collection Service, 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 →

State-heavy filing map

30.8% of West Bay Acquisitions, LLC's CFPB filings land in Texas

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state: Texas 30.8%; 8 of 26 filings · 14 states touched
Spike month: 2017-10 50.0%; 1 filings that month · spiky (≥15% of series)
Corpus ranks: #1,692 volume; #1,849 composite; Among 5,420 volume-ranked / 5,278 scored collectors

How does West Bay Acquisitions, LLC compare to its peers?

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

West Bay Acquisitions,… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

96%

100%

91%

Consumer-dispute ratelower is better

12%

15%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2017-10 2018-07

Issue Detail Breakdown

Issue	Complaints
Cont'd attempts collect debt not owed	21
Disclosure verification of debt	4
Taking/threatening an illegal action	1

Where do complaints against West Bay Acquisitions, LLC come from?

West Bay Acquisitions, LLC's own per-state count, not a national baseline.

Texas

8
Florida

3
New Jersey

3
Ohio

2
California

1
Louisiana

1
Michigan

1
Missouri

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for West Bay Acquisitions, LLC: 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: 26.

4 peers

Know your rights before responding to West Bay Acquisitions, LLC: 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.