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

Data updated July 2026

D

Grade D · 57.9/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

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

The verdict

A reputation grade of D: Western-Shamrock Corporation ranks ahead of 35% of the 5,283 collectors PlainCollector grades - 65% keep a cleaner CFPB record, on 157 all-time complaints and a 99% timely-response rate.

35th pct
reputation rank of 5,283 graded collectors
157
CFPB complaints, all-time
99%
answered inside the CFPB window
44
in the last 12 months (stable)

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 Western-Shamrock Corporation?

Western-Shamrock Corporation has accumulated 157 total CFPB complaints across 12 states, with 44 filed in the most recent 12 months against 113 historical complaints before that window. The trailing-12-month volume represents 28.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours". The company posts a 99% timely-response rate against a 26% consumer-dispute-after-response rate.

Complaints have been recorded across 12 states, led by Texas with 101 and Oklahoma with 15. Normalized against the full CFPB collector database, the reputation score of 57.9/100 places Western-Shamrock Corporation in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

157

mid-volume (CCDB)

Last 12 months

44

28.0% of all-time complaints

Stable →

States active

12

regional footprint

Timely response rate

99%

excellent band

Consumer disputes

26%

elevated (vertical avg ~19%)

Reputation grade

D

57.9/100 composite

How does Western-Shamrock Corporation's reputation rank nationally?

Reputation score vs. every graded collector

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

58 35th percentile higher than 35% 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%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 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

Western-Shamrock Corporation versus the debt-collection vertical average.

Timely response within SLA 98.6%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 25.9%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 21.4%

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

How does Western-Shamrock Corporation compare to its peers?

How does Western-Shamrock Corporation compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Western-Shamrock Corpo… 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.

Complaint Trend (24 months)

2024-04 2026-03

Issue Detail Breakdown

Issue Sub-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

What to do if Western-Shamrock Corporation contacts you

A grade of D signals how Western-Shamrock Corporation'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 Western-Shamrock Corporation 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 Western-Shamrock Corporation 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 Western-Shamrock Corporation? ▼

The most common issue consumers report about Western-Shamrock Corporation is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 157 complaints filed with the CFPB.

Are complaints against Western-Shamrock Corporation increasing or decreasing? ▼

Complaints against Western-Shamrock Corporation have been stable. The company received 44 complaints in the last 12 months.

What is Western-Shamrock Corporation's reputation grade? ▼

Western-Shamrock Corporation has a reputation grade of D (score: 57.9/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Western-Shamrock Corporation respond to consumer complaints? ▼

Western-Shamrock Corporation has a 99% timely response rate to CFPB complaints. Consumers disputed the company's response in 26% of cases.

In how many states does Western-Shamrock Corporation operate? ▼

Western-Shamrock Corporation has received CFPB complaints from consumers in 12 states, with the most complaints from Texas (101 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.