Total CFPB complaints
361
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 361 complaints
Westcreek Financial — Debt Collector Complaint Profile
CFPB complaint profile across 40 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Westcreek Financial
- Attempts to collect debt not owed
Attempts to collect debt not owed
167 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
105 complaints
- Written notification about debt 38
Written notification about debt
38 complaints
- False statements or representation 33
False statements or representation
33 complaints
- Communication tactics 5
Communication tactics
5 complaints
F
Grade F · 40.1/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about Westcreek Financial?
Westcreek Financial has accumulated 361 total CFPB complaints across 40 states, with 199 filed in the most recent 12 months against 162 historical complaints before that window. The trailing-12-month volume represents 55.1% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 72% 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 40 states, led by Florida with 48 and Texas with 41, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 40.1/100 places Westcreek Financial 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
199
55.1% of total history
Rising ↑
States active
40
Distinct state filings
Timely response rate
72%
Within CFPB SLA window
Reputation grade
F
40.1/100 composite
Response-quality profile
How Westcreek Financial performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 72.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 71.4%
Share of US states + territories with at least one filed complaint against this collector.
How does Westcreek Financial compare to its peers?
Westcreek Financial 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
Took or threatened to take negative or legal action105 (%)
Attempts to collect debt not owed167 (%)
False statements or representation33 (%)
Written notification about debt38 (%)
Communication tactics5 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
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 |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 105 |
| Attempts to collect debt not owed | Debt is not yours | 76 |
| Attempts to collect debt not owed | Debt was result of identity theft | 68 |
| False statements or representation | Attempted to collect wrong amount | 33 |
| Written notification about debt | Didn't receive enough information to verify debt | 26 |
| Attempts to collect debt not owed | Debt was paid | 18 |
| Written notification about debt | Didn't receive notice of right to dispute | 8 |
| Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | 5 |
| Communication tactics | Frequent or repeated calls | 5 |
| Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 4 |
Where do complaints against Westcreek Financial come from?
The states where consumers have filed the most CFPB complaints against Westcreek Financial. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Westcreek Financial
Across 40 states with at least one filing
- Florida
Florida
48 complaints
- Texas
Texas
41 complaints
- Georgia
Georgia
31 complaints
- California
California
21 complaints
- Pennsylvania 18
Pennsylvania
18 complaints
- Arizona 17
Arizona
17 complaints
- Illinois 17
Illinois
17 complaints
- North Carolina 15
North Carolina
15 complaints
Frequently Asked Questions
What is the most common complaint against Westcreek Financial? ▼
The most common issue consumers report about Westcreek Financial is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 361 complaints filed with the CFPB.
Are complaints against Westcreek Financial increasing or decreasing? ▼
Complaints against Westcreek Financial are rising. The company received 199 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Westcreek Financial's reputation grade? ▼
Westcreek Financial has a reputation grade of F (score: 40.1/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does Westcreek Financial respond to consumer complaints? ▼
Westcreek Financial has a 72% timely response rate to CFPB complaints.
In how many states does Westcreek Financial operate? ▼
Westcreek Financial has received CFPB complaints from consumers in 40 states, with the most complaints from Florida (48 complaints).
What can I do if Westcreek Financial 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 Westcreek Financial 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 |