Total CFPB complaints
26
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 26 complaints
West Bay Acquisitions, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 14 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about West Bay Acquisitions, LLC
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
21 complaints
- Disclosure verification of debt 4
Disclosure verification of debt
4 complaints
- Taking/threatening an illegal action 1
Taking/threatening an illegal action
1 complaints
B
Grade B · 67.8/100 composite
This collector has a good complaint record with relatively few complaints and responsive customer service.
What do CFPB complaints reveal about West Bay Acquisitions, LLC?
West Bay Acquisitions, LLC has accumulated 26 total CFPB complaints across 14 states, with 0 filed in the most recent 12 months against 26 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 96% timely-response rate against a 12% 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 14 states, led by Texas with 8 and Florida with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 67.8/100 places West Bay Acquisitions, LLC in grade band B, 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
14
Distinct state filings
Timely response rate
96%
Within CFPB SLA window
Consumer disputes
12%
After company response
Reputation grade
B
67.8/100 composite
Response-quality profile
How West Bay Acquisitions, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 96.2%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 23.1%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 25.0%
Share of US states + territories with at least one filed complaint against this collector.
How does West Bay Acquisitions, LLC compare to its peers?
West Bay Acquisitions,… 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)
2013-08 2014-09
Top Consumer Issues
Cont'd attempts collect debt not owed21 (%)
Disclosure verification of debt4 (%)
Taking/threatening an illegal action1 (%)
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 | 15 |
| Cont'd attempts collect debt not owed | Debt was paid | 6 |
| Disclosure verification of debt | Not given enough info to verify debt | 3 |
| Taking/threatening an illegal action | Threatened to sue on too old debt | 1 |
| Disclosure verification of debt | Right to dispute notice not received | 1 |
Where do complaints against West Bay Acquisitions, LLC come from?
The states where consumers have filed the most CFPB complaints against West Bay Acquisitions, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against West Bay Acquisitions, LLC
Across 14 states with at least one filing
- Texas
Texas
8 complaints
- Florida 3
Florida
3 complaints
- New Jersey 3
New Jersey
3 complaints
- Ohio 2
Ohio
2 complaints
- Louisiana 1
Louisiana
1 complaints
- Oregon 1
Oregon
1 complaints
- Pennsylvania 1
Pennsylvania
1 complaints
- Missouri 1
Missouri
1 complaints
Frequently Asked Questions
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 have been stable. The company received 0 complaints in the last 12 months.
What is West Bay Acquisitions, LLC's reputation grade? ▼
West Bay Acquisitions, LLC has a reputation grade of B (score: 67.8/100). This collector has a good complaint record with relatively few complaints and responsive customer service.
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).
What can I do if West Bay Acquisitions, 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 West Bay Acquisitions, 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 |