What is the most common complaint against West Bay Recovery, Inc.?

The most common issue consumers report about West Bay Recovery, Inc. is "Cont'd attempts collect debt not owed", specifically "Debt was discharged in bankruptcy". This is based on 4 complaints filed with the CFPB.

Are complaints against West Bay Recovery, Inc. increasing or decreasing?

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

What is West Bay Recovery, Inc.'s reputation grade?

West Bay Recovery, Inc. has a reputation grade of B (score: 72.4/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does West Bay Recovery, Inc. respond to consumer complaints?

West Bay Recovery, Inc. has a 75% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does West Bay Recovery, Inc. operate?

West Bay Recovery, Inc. has received CFPB complaints from consumers in 1 states, with the most complaints from Rhode Island (4 complaints).

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

West Bay Recovery, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade B.

Compiled by PlainCollector

Cont'd attempts collect debt not owed

2
Attempts to collect debt not owed

1
Communication tactics

1

Data updated September 2026

CFPB complaint disposition

CCDB record west-bay-recovery-inc West Bay Recovery, Inc.

Grade B · 4 CFPB filings · 75% timely · lead issue: Cont'd attempts collect debt not owed · vol #3536 · compose #1080

VOL 4
GRADE B
12MO 0
STATES 1
TIMELY 75%
DISPUTE 0%
ISSUE Cont'd attempts collect de…
RANK #3,536
COMPOSE #1,080

Volume peers

Nearest volume peer: 90 Day Credit Experts (4 complaints)

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

West Bay Recovery, Inc.'s 4 CFPB complaints sit next to 90 Day Credit Experts 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

100.0% of West Bay Recovery, Inc.'s CFPB filings land in Rhode Island

High volume does not equal a clean composite: West Bay Recovery, Inc. is volume #3,536 but composite #1,080, while Rhode Island dominates the geography. Corpus placement method.

Dominant state: Rhode Island 100.0%; 4 of 4 filings · 1 states touched
Spike month: 2016-06 100.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,536 volume; #1,080 composite; Cleanest-composite ladder is 2,456 places better than volume

How does West Bay Recovery, Inc. compare to its peers?

How does West Bay Recovery, Inc. 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 Recovery, Inc… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

75%

91%

Consumer-dispute ratelower is better

50%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2016-06 2016-06

Issue Detail Breakdown

Issue	Complaints
Cont'd attempts collect debt not owed	2
Attempts to collect debt not owed	1
Communication tactics	1

Where do complaints against West Bay Recovery, Inc. come from?

West Bay Recovery, Inc.'s own per-state count, not a national baseline.

Rhode Island

4

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for West Bay Recovery, Inc.: 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: 4.

4 peers

Know your rights before responding to West Bay Recovery, Inc.: 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.