CFPB · Slower timely-response band
Westcreek Financial
1.1K CFPB complaints · 67.6% timely (slow band) · top issue Incorrect information on your report.
Westcreek Financial answers 67.6% on time (lower third) across 1.1K filings. Relief 4.3% · top product Debt collection. Allegations, not findings.
- Volume rank #315 of 342
- Slower timely-response band
- +28300% filings 2016 to 2026
CFPB relief outcome brief
CCDB company westcreek-financial
4.3% relief · 67.6% timely · 1.1K filings · Debt collection
Same-product relief peers
Nearest relief peer: Monarch Recovery Holdings, Inc. (4.3% relief)
Westcreek Financial closes 4.3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
How 1.1K complaints split on narrative text
CFPB records optionally include a consumer narrative. These two counts add to this company's total filings, volume of text present, not a finding about severity.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Westcreek Financial complaint mix by product
- 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
Lighter-volume mix: how Westcreek Financial's 1.1K complaints split across CFPB product categories. Resolution badge = % closed with 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 |
Nationwide filing states for Westcreek Financial
Top states by attributed volume, lighter-filing company
- Leading state
- TX
- 13.1% of this company's filings
Westcreek Financial rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 284
- +28300% vs 2016
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
Westcreek Financial in the slower-timely third
Westcreek Financial's 1,121 logged complaints reach a nationwide footprint - 47 states have at least one filing. Only 35.5% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2016 through 2026-06-25. Timely response 67.6% sits in the lower third of the corpus.
Westcreek Financial answers 67.6% of complaints inside the CFPB's tracked window (timely band: slow) and closes 4.3% with relief; 92.3% close with a written explanation. Consumers disputed 0% of responses after the company replied. Top product "Debt collection" · top issue "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.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Westcreek Financial: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 1.1K.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 67.6%.
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.
Data sourced from official public datasets for Westcreek Financial (#315 of 342; 67.6% timely; 4.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Slower timely-response band