CFPB · Single-product concentration
Western Credit & Collection Service, Inc.
6 CFPB complaints · 83.3% in "Debt collection" · top issue Attempts to collect debt not owed.
Western Credit & Collection Service, Inc.: 83.3% of 6 CFPB complaints sit in "Debt collection". Timely 83.3% · relief 33.3%. Allegations, not findings.
- Single-product concentration
- -50% filings 2015 to 2025
CFPB relief outcome brief
CCDB company western-credit-collection-service-inc
33.3% relief · 83.3% timely · 6 filings · Debt collection
Same-product relief peers
Nearest relief peer: Merchants and Medical Credit Corporation, Inc. (33.4% relief)
Western Credit & Collection Service, Inc. closes 33.3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Western Credit & Collection Service, Inc. has 6 filings on record, below the 10-complaint threshold this score requires for a stable percentage. A single additional filing can swing a rate by 10+ points at this volume, so no score is shown rather than an unstable one.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Western Credit & Collection Service, Inc. complaint mix by product
- Debt collection 5 83.3% – 40% relief
- Credit reporting, 1 16.7% – 0% relief
How Western Credit & Collection Service, Inc.'s 6 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 5 |
| Credit reporting, credit repair services, or other personal consumer reports | 1 |
Concentrated filing states for Western Credit & Collection Service, Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- OR
- 83.3% of this company's filings
Western Credit & Collection Service, Inc. falling annual filings
Annual filing volume from the CFPB public database
- 2025
- 1
- -50% vs 2015
Top States
| State | Complaints |
|---|---|
| OR | 5 |
| AZ | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Attempts to collect debt not owed | 1 |
| Disclosure verification of debt | 1 |
| Cont'd attempts collect debt not owed | 1 |
| False statements or representation | 1 |
| Threatened to contact someone or share information improperly | 1 |
| Problem with a credit reporting company's investigation into an existing problem | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 2 | 100% |
| 2016 | 1 | 100% |
| 2018 | 1 | 100% |
| 2019 | 1 | 100% |
| 2025 | 1 | 0% |
Source: CFPB Consumer Complaint Database
Western Credit & Collection Service, Inc. filings cluster in one product
Western Credit & Collection Service, Inc.'s 6 logged complaints stay concentrated: only 2 states show a filing. Only 33.3% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2015 through 2025-01-14.
Western Credit & Collection Service, Inc. answers 83.3% of complaints inside the CFPB's tracked window and closes 50% with a written explanation. 33.3% 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 "Attempts to collect debt not owed."
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 Western Credit & Collection Service, Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Western Credit & Collection Service, Inc.: 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: 6.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 83.3%.
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 Western Credit & Collection Service, Inc. (83.3% timely; 33.3% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration