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

CFPB complaint data Grade D 157 complaints

Western-Shamrock Corporation - Debt Collector Complaint Profile

CFPB complaint profile across 12 states, reputation grade D.

Complaints by issue type

What consumers report about Western-Shamrock Corporation

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

Data updated September 2026

CFPB complaint disposition

CCDB record western-shamrock-corporation Western-Shamrock Corporation

Grade D · 157 CFPB filings · 99% timely · lead issue: Attempts to collect debt not owed

  • VOL 157
  • GRADE D
  • 12MO 44
  • STATES 12
  • TIMELY 99%
  • DISPUTE 26%
  • ISSUE Attempts to collect debt n…
  • RANK #643
  • COMPOSE Not ranked

Volume peers

Nearest volume peer: DRB-40, LLC (157 complaints)

DRB-40, LLCDRB-40, LLC157YSA ARM LLC DBA Oxygen XLYSA ARM LLC DBA Oxygen XL157Western-Shamrock Corporation (this)Western-Shamrock Corporation…157Arnold Scott Harris, P.C.Arnold Scott Harris, P.C.158Collection Services of Athens, Inc.Collection Services of Athen…158
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Western-Shamrock Corporation's 157 CFPB complaints sit next to DRB-40, LLC 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 157 complaints break down

Every complaint issue type on record for Western-Shamrock Corporation, not just the top ones shown above.

Reputation score breakdown

D
Composite reputation score
54.8/100
Western-Shamrock Corporation

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 F
157
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response A
99%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate B
26%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend C
Stable
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

64.3% of Western-Shamrock Corporation's CFPB filings land in Texas

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

Dominant state
Texas 64.3%
101 of 157 filings · 12 states touched
Seasonal peak
2025-04 8.8%
8–15% band · 17 filings
Corpus ranks
#643 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Western-Shamrock Corporation compare to its peers?

How does Western-Shamrock Corporation 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-Shamrock Corporation National average
Complaints (last 12 mo)lower is better
44
55
268
Timely-response ratehigher is better
99%
99%
91%
Consumer-dispute ratelower is better
26%
14%
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-Shamrock Corporation a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 11 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%10%20%30%40% Timely response rate (%) Dispute rate (%) Western-Shamrock Corporation vs. 10 similar-volume peers, by response speed and dispute rate Western-Shamrock CorporationDRB-40, LLCYSA ARM LLC DBA Oxygen XLLaw Offices of Robert J. Colclough, IIIContinental Credit ControlLOBEL FINANCIAL CORPORATIONRJM ACQUISITION LLCCOLLECTION SERVICES OF ATHENS, INC.Unlimited Progress CorpArnold Scott Harris, P.C.D. SCOTT CARRUTHERS
Source: CFPB Consumer Complaint Database

Western-Shamrock Corporation's complaint volume in context

Western-Shamrock Corporation 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)

157 Top 12% higher than 88% of 5,420 collectors

0–20: 3,504 collectors (65%). Below this entry. 20–40: 565 collectors (10%). Below this entry. 40–60: 260 collectors (5%). Below this entry. 60–80: 163 collectors (3%). Below this entry. 80–100: 112 collectors (2%). Below this entry. 100–120: 63 collectors (1%). Below this entry. 120–140: 67 collectors (1%). Below this entry. 140–160: 53 collectors (1%). This entry sits in this band. 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-Shamrock Corporation 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)

Stable →
2024-04 2026-03

Issue Detail Breakdown

Issue Complaints
Attempts to collect debt not owed
37
Communication tactics
34
Took or threatened to take negative or legal action
29
Written notification about debt
23
Threatened to contact someone or share information improperly
13
Cont'd attempts collect debt not owed
6
Improper contact or sharing of info
6
False statements or representation
4
Disclosure verification of debt
4
Taking/threatening an illegal action
1

Where do complaints against Western-Shamrock Corporation come from?

Western-Shamrock Corporation's own per-state count, not a national baseline.

Top states by complaints against Western-Shamrock Corporation

Across 12 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-Shamrock Corporation: 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: 157.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 98.58156028368793%.

4 peers

Know your rights before responding to Western-Shamrock Corporation: 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.