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Data / Consumer complaints / Westcreek Financial

Westcreek Financial: 1,058 CFPB consumer complaints in the last 3 years

Westcreek Financial drew 1,058 consumer complaints in the CFPB database in the three years to November 6, 2026, and 1,293 since 2016. The largest group, 468, was about debt collection, and the most common issue was “Incorrect information on your report” with 197. The company responded on time to 49.8% of the complaints, and 1.7% closed with monetary or other relief.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

  • 1,058Complaints, last 3 years
  • 1,293Complaints, all years
  • 49.8%Responded on time
  • 1.7%Closed with relief
  • 7Products
  • Oct 22, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 6456
2025386
2024205
202393
202269
202139
202022
201916
20185
20171
20161

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

Issues

IssueComplaintsShare
Incorrect information on your report19718.6%
Took or threatened to take negative or legal action18517.5%
Attempts to collect debt not owed17416.4%
Improper use of your report787.4%
Problem with a company's investigation into an existing problem767.2%
Charged fees or interest you didn't expect676.3%
Written notification about debt524.9%
False statements or representation474.4%
Problem with the payoff process at the end of the loan383.6%
Problem when making payments181.7%
Managing the loan or lease141.3%
Problem with additional add-on products or services141.3%
Credit monitoring or identity theft protection services111%
Struggling to pay your loan111%
Getting the loan90.9%
Getting a credit card80.8%
Getting a loan or lease60.6%
Electronic communications50.5%
Problem with a lender or other company charging your account50.5%
Charged upfront or unexpected fees40.4%
Communication tactics40.4%
Confusing or missing disclosures40.4%
Didn't provide services promised30.3%
Fees or interest30.3%
Problem with fraud alerts or security freezes30.3%

How the company responded

Company responseComplaintsShare
Closed with explanation1,03497.7%
Closed with monetary relief171.6%
Untimely response50.5%
Closed with non-monetary relief10.1%
In progress10.1%

States

StateComplaintsShare
Texas15314.5%
Florida12511.8%
Georgia817.7%
Illinois625.9%
New York625.9%
California595.6%
Pennsylvania585.5%
North Carolina575.4%
Arizona363.4%
Michigan343.2%
South Carolina343.2%
Virginia302.8%
Colorado282.6%
Nevada262.5%
Mississippi242.3%
Ohio232.2%
Indiana201.9%
Maryland181.7%
Louisiana131.2%
Connecticut121.1%
New Jersey121.1%
Massachusetts100.9%
Tennessee90.9%
Alabama70.7%
Arkansas70.7%

Latest 50 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
October 22, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsUntimely responseconsumerfinance.gov
October 20, 2026Credit cardProblem with a company's investigation into an existing problemUntimely responseconsumerfinance.gov
October 20, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectUntimely responseconsumerfinance.gov
October 20, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemUntimely responseconsumerfinance.gov
October 19, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
October 19, 2026Vehicle loan or leaseManaging the loan or leaseUntimely responseconsumerfinance.gov
October 19, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 16, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
October 13, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 12, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 12, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
October 12, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 10, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
October 9, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 7, 2026Payday loan, title loan, personal loan, or advance loanImproper use of your reportClosed with explanationconsumerfinance.gov
October 6, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 4, 2026Credit reporting or other personal consumer reportsProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
October 4, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 30, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
September 29, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 29, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 28, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
September 28, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsIn progressconsumerfinance.gov
September 28, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 26, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 25, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 24, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 23, 2026Debt or credit managementDidn't provide services promisedClosed with explanationconsumerfinance.gov
September 23, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 22, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 22, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 21, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 19, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
September 18, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
September 17, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 15, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
September 14, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 14, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 12, 2026Debt collectionWritten notification about debtClosed with explanationconsumerfinance.gov
September 11, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 11, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 11, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
September 9, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
September 8, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
September 5, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 3, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
September 2, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
September 2, 2026Payday loan, title loan, personal loan, or advance loanProblem with a company's investigation into an existing problemClosed with explanationconsumerfinance.gov
September 2, 2026Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
September 1, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.