2026 data Public-data reference Official source

Westcreek Financial

1.1K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

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1.1K
Total Complaints
67.6%
Timely Response
0%
Disputed
4.3%
Relief Provided
47
States Active
2016
Since

Data updated June 2026

Timely response rate 67.6%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 4.3%
Industry median

Share closed with monetary or non-monetary relief.

Westcreek Financial complaint mix by product

Total complaints: 1.1K

Westcreek Financial complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 1.1K total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Debt collection: 468 complaints (42.5%), resolution 2.8% Debt collection 42.5% Credit reporting: 295 complaints (26.8%), resolution 0.3% Credit reporting 26.8% Payday loan,: 158 complaints (14.3%), resolution 5.7% Payday loan, 14.3% Credit reporting,: 70 complaints (6.4%), resolution 2.9% Credit reporting, 6.4% Payday loan,: 60 complaints (5.4%), resolution 31.7% Credit card: 27 complaints (2.5%), resolution 7.4% Vehicle loan: 24 complaints (2.2%), resolution 8.3%
  • Debt collection 468 42.5% – 3% relief
  • Credit reporting 295 26.8% – 0% relief
  • Payday loan, 158 14.3% – 6% relief
  • Credit reporting, 70 6.4% – 3% relief
  • Payday loan, 60 5.4% – 32% relief
  • Credit card 27 2.5% – 7% relief
  • Vehicle loan 24 2.2% – 8% relief

How Westcreek Financial's 1.1K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Debt collection 468
Credit reporting or other personal consumer reports 295
Payday loan, title loan, personal loan, or advance loan 158
Credit reporting, credit repair services, or other personal consumer reports 70
Payday loan, title loan, or personal loan 60
Credit card 27
Vehicle loan or lease 24
Debt or credit management 8
Checking or savings account 8
Credit card or prepaid card 2
Consumer Loan 1

Top States

State Complaints
TX 147
FL 134
GA 86
IL 69
NY 68
PA 61
CA 58
NC 45
MI 38
VA 38
AZ 37
SC 37
NV 31
CO 27
OH 26
IN 23
MD 20
MS 18
TN 16
AL 13

Top Issues

Issue Complaints
Incorrect information on your report 206
Attempts to collect debt not owed 203
Took or threatened to take negative or legal action 164
Charged fees or interest you didn't expect 79
Improper use of your report 73
Problem with a company's investigation into an existing problem 70
Written notification about debt 48
Problem with the payoff process at the end of the loan 45
False statements or representation 41
Problem with a credit reporting company's investigation into an existing problem 27
Problem when making payments 23
Struggling to pay your loan 15
Problem with additional add-on products or services 15
Credit monitoring or identity theft protection services 14
Getting the loan 13
Managing the loan or lease 12
Getting a credit card 8
Communication tactics 8
Problem with a lender or other company charging your account 6
Getting a loan or lease 5

Yearly Trend

Year Complaints Timely
2016 1 100%
2017 1 100%
2018 5 100%
2019 16 100%
2020 22 90.9%
2021 39 100%
2022 69 100%
2023 93 100%
2024 205 85.9%
2025 386 73.8%
2026 284 18.7%

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About Westcreek Financial

Westcreek Financial's 1,121 logged complaints reach a nationwide footprint - 47 states have at least one filing on record. Only 35.5% of filings carry a written consumer narrative, so most of this record is coded categories rather than the verbatim complaint text. Records run from 2016 through 2026-06-25.

Westcreek Financial answers 67.6% of complaints inside the CFPB's tracked window and closes 92.3% with a written explanation. 4.3% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Incorrect information on your report."

A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Westcreek Financial.

Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.

Frequently Asked Questions

How many CFPB complaints does Westcreek Financial have?

1,121, per the CFPB's public complaint count for this company (see the full breakdown above).

Does Westcreek Financial respond to complaints on time?

67.6% of the time, measured against the CFPB's 15-calendar-day response window.

What is the most common complaint about Westcreek Financial?

"Incorrect information on your report", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.

Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.