What is the most common complaint against Western Credit & Collection Service, Inc.?

The most common issue consumers report about Western Credit & Collection Service, Inc. is "Attempts to collect debt not owed", specifically "Not given enough info to verify debt". This is based on 5 complaints filed with the CFPB.

Are complaints against Western Credit & Collection Service, Inc. increasing or decreasing?

Complaints against Western Credit & Collection Service, Inc. are falling. The company received 0 complaints in the last 12 months, showing improvement over prior periods.

What is Western Credit & Collection Service, Inc.'s reputation grade?

Western Credit & Collection Service, Inc. has a reputation grade of B (score: 72.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Western Credit & Collection Service, Inc. respond to consumer complaints?

Western Credit & Collection Service, Inc. has a 80% timely response rate to CFPB complaints. Consumers disputed the company's response in 0% of cases.

In how many states does Western Credit & Collection Service, Inc. operate?

Western Credit & Collection Service, Inc. has received CFPB complaints from consumers in 2 states, with the most complaints from Oregon (4 complaints).

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

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

CFPB complaint profile across 2 states, reputation grade B.

Compiled by PlainCollector

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

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 #3261 · compose #1091

VOL 5
GRADE B
12MO 0
STATES 2
TIMELY 80%
DISPUTE 0%
ISSUE Attempts to collect debt n…
RANK #3,261
COMPOSE #1,091

Volume peers

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

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 →

State-heavy filing map

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

High volume does not equal a clean composite: Western Credit & Collection Service, Inc. is volume #3,261 but composite #1,091, while Oregon dominates the geography. 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)
Divergent corpus ranks: #3,261 volume; #1,091 composite; Cleanest-composite ladder is 2,170 places better than volume

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 & Colle… National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

80%

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

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.

Oregon

4
Arizona

1

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.