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

CFPB complaint data Grade B 5 complaints

Western Credit & Collection Service, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade B.

Complaints by issue type

What consumers report about Western Credit & Collection Service, Inc.

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record western-credit-collection-service-inc Western Credit & Collection Service, Inc.

Grade B · 5 CFPB filings · 80% timely · lead issue: Attempts to collect debt not owed

  • VOL 5
  • GRADE B
  • 12MO 0
  • STATES 2
  • TIMELY 80%
  • DISPUTE 0%
  • ISSUE Attempts to collect debt n…
  • RANK #3,261
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: Aaron Worldwide Collections Inc. (5 complaints)

Aaron Worldwide Collections Inc.Aaron Worldwide Collections …5Accelerated Recovery Services, IncAccelerated Recovery Service…5Accenture LLPAccenture LLP5AccessOne Holdings, Inc.AccessOne Holdings, Inc.5Western Credit & Collection Service, Inc. (this)Western Credit & Collection …5
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Western Credit & Collection Service, Inc.'s 5 CFPB complaints sit next to Aaron Worldwide Collections 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 →

How the 5 complaints break down

Every complaint issue type on record for Western Credit & Collection Service, Inc., not just the top ones shown above.

Reputation score breakdown

B
Composite reputation score
72.3/100
Western Credit & Collection Service, Inc.

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume B
5
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
80%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate A
0%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend B
Falling
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

80.0% of Western Credit & Collection Service, Inc.'s CFPB filings land in Oregon

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

Dominant state
Oregon 80.0%
4 of 5 filings · 2 states touched
Spike month
2026-02 40.0%
2 filings that month · spiky (≥15% of series)
Corpus ranks
#3,261 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Western Credit & Collection Service, Inc. compare to its peers?

How does Western Credit & Collection Service, 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
Western Credit & Collection Service, Inc. National average
Complaints (last 12 mo)lower is better
0
2
268
Timely-response ratehigher is better
80%
100%
91%
Consumer-dispute ratelower is better
0%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Western Credit & Collection Service, Inc. a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 7 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 40%60%80%100%120% 0%20%40%60% Timely response rate (%) Dispute rate (%) Western Credit & Collection Service, Inc. vs. 6 similar-volume peers, by response speed and dispute rate Western Credit & Collection Service, Inc.Wetherington Hamilton, P.A.WILKINSON LAW FIRM, P.C.Wexford & James LLCWESTERN ALLIANCE BANCORPORATIONWALDEN ASSET MANAGEMENT LLC (Closed)ZestFinance
Source: CFPB Consumer Complaint Database

Western Credit & Collection Service, Inc.'s complaint volume in context

Western Credit & Collection Service, Inc. vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

5 40th percentile higher than 40% of 5,420 collectors

0–20: 3,504 collectors (65%). This entry sits in this band. 20–40: 565 collectors (10%). Above this entry. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Western Credit & Collection Service, Inc. 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Falling ↓
2024-10 2026-02

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
1
False statements or representation
1
Cont'd attempts collect debt not owed
1
Disclosure verification of debt
1
Threatened to contact someone or share information improperly
1

Where do complaints against Western Credit & Collection Service, Inc. come from?

Western Credit & Collection Service, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Western Credit & Collection Service, Inc.

Across 2 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Western Credit & Collection Service, 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: 5.

4 peers

Know your rights before responding to Western Credit & Collection Service, 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.