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

CFPB complaint data Grade F 472 complaints

Westcreek Financial - Debt Collector Complaint Profile

CFPB complaint profile across 38 states, reputation grade F.

Complaints by issue type

What consumers report about Westcreek Financial

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

F

Grade F · 40.1/100 composite

This collector has a failing complaint record with very high complaint volumes and poor response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of F: Westcreek Financial ranks ahead of 4% of the 5,283 collectors PlainCollector grades - 96% keep a cleaner CFPB record, on 472 all-time complaints and a 72% timely-response rate.

4th pct
reputation rank of 5,283 graded collectors
472
CFPB complaints, all-time
72%
answered inside the CFPB window
286
in the last 12 months (rising)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Westcreek Financial?

Westcreek Financial has accumulated 472 total CFPB complaints across 38 states, with 286 filed in the most recent 12 months against 186 historical complaints before that window. The trailing-12-month volume represents 60.6% 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 "Attempts to collect debt not owed", narrowing to "Threatened or suggested your credit would be damaged". The company posts a 72% timely-response rate.

Complaints have been recorded across 38 states, led by Texas with 62 and Florida with 53. Normalized against the full CFPB collector database, the reputation score of 40.1/100 places Westcreek Financial in grade band F.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

472

mid-volume (CCDB)

Last 12 months

286

60.6% of all-time complaints

Rising ↑

States active

38

multi-region footprint

Timely response rate

72%

below sla band

Reputation grade

F

40.1/100 composite

How does Westcreek Financial's reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

40 Bottom 4% higher than 4% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). This entry sits in this band. 50–60: 1,469 graded collectors (28%). Above this entry. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Westcreek Financial versus the debt-collection vertical average.

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 67.9%

Share of US states + territories with at least one filed complaint against this collector.

How does Westcreek Financial compare to its peers?

How does Westcreek Financial compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Westcreek Financial National average
Complaints (last 12 mo)lower is better
286
0
268
Timely-response ratehigher is better
72%
91%
91%
Consumer-dispute ratelower is better
0%
20%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 208
Took or threatened to take negative or legal action - 159
Written notification about debt - 50
False statements or representation - 42
Communication tactics - 8
Electronic communications - 4
Threatened to contact someone or share information improperly - 1

Where do complaints against Westcreek Financial come from?

Westcreek Financial's own per-state count, not a national baseline.

Top states by complaints against Westcreek Financial

Across 38 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Westcreek Financial contacts you

A grade of F signals how Westcreek Financial's CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Westcreek Financial and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Westcreek Financial ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Westcreek Financial? ▼

The most common issue consumers report about Westcreek Financial is "Attempts to collect debt not owed", specifically "Threatened or suggested your credit would be damaged". This is based on 472 complaints filed with the CFPB.

Are complaints against Westcreek Financial increasing or decreasing? ▼

Complaints against Westcreek Financial are rising. The company received 286 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), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

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 38 states, with the most complaints from Texas (62 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

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.