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.
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- 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.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 456 |
| 2025 | 386 |
| 2024 | 205 |
| 2023 | 93 |
| 2022 | 69 |
| 2021 | 39 |
| 2020 | 22 |
| 2019 | 16 |
| 2018 | 5 |
| 2017 | 1 |
| 2016 | 1 |
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.
| Product | Complaints | Share |
|---|---|---|
| Debt collection | 468 | 44.2% |
| Credit reporting or other personal consumer reports | 337 | 31.9% |
| Payday loan, title loan, personal loan, or advance loan | 179 | 16.9% |
| Credit card | 29 | 2.7% |
| Vehicle loan or lease | 27 | 2.6% |
| Debt or credit management | 12 | 1.1% |
| Checking or savings account | 6 | 0.6% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 197 | 18.6% |
| Took or threatened to take negative or legal action | 185 | 17.5% |
| Attempts to collect debt not owed | 174 | 16.4% |
| Improper use of your report | 78 | 7.4% |
| Problem with a company's investigation into an existing problem | 76 | 7.2% |
| Charged fees or interest you didn't expect | 67 | 6.3% |
| Written notification about debt | 52 | 4.9% |
| False statements or representation | 47 | 4.4% |
| Problem with the payoff process at the end of the loan | 38 | 3.6% |
| Problem when making payments | 18 | 1.7% |
| Managing the loan or lease | 14 | 1.3% |
| Problem with additional add-on products or services | 14 | 1.3% |
| Credit monitoring or identity theft protection services | 11 | 1% |
| Struggling to pay your loan | 11 | 1% |
| Getting the loan | 9 | 0.9% |
| Getting a credit card | 8 | 0.8% |
| Getting a loan or lease | 6 | 0.6% |
| Electronic communications | 5 | 0.5% |
| Problem with a lender or other company charging your account | 5 | 0.5% |
| Charged upfront or unexpected fees | 4 | 0.4% |
| Communication tactics | 4 | 0.4% |
| Confusing or missing disclosures | 4 | 0.4% |
| Didn't provide services promised | 3 | 0.3% |
| Fees or interest | 3 | 0.3% |
| Problem with fraud alerts or security freezes | 3 | 0.3% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 1,034 | 97.7% |
| Closed with monetary relief | 17 | 1.6% |
| Untimely response | 5 | 0.5% |
| Closed with non-monetary relief | 1 | 0.1% |
| In progress | 1 | 0.1% |
States
| State | Complaints | Share |
|---|---|---|
| Texas | 153 | 14.5% |
| Florida | 125 | 11.8% |
| Georgia | 81 | 7.7% |
| Illinois | 62 | 5.9% |
| New York | 62 | 5.9% |
| California | 59 | 5.6% |
| Pennsylvania | 58 | 5.5% |
| North Carolina | 57 | 5.4% |
| Arizona | 36 | 3.4% |
| Michigan | 34 | 3.2% |
| South Carolina | 34 | 3.2% |
| Virginia | 30 | 2.8% |
| Colorado | 28 | 2.6% |
| Nevada | 26 | 2.5% |
| Mississippi | 24 | 2.3% |
| Ohio | 23 | 2.2% |
| Indiana | 20 | 1.9% |
| Maryland | 18 | 1.7% |
| Louisiana | 13 | 1.2% |
| Connecticut | 12 | 1.1% |
| New Jersey | 12 | 1.1% |
| Massachusetts | 10 | 0.9% |
| Tennessee | 9 | 0.9% |
| Alabama | 7 | 0.7% |
| Arkansas | 7 | 0.7% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 22, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Untimely response | consumerfinance.gov |
| October 20, 2026 | Credit card | Problem with a company's investigation into an existing problem | Untimely response | consumerfinance.gov |
| October 20, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Untimely response | consumerfinance.gov |
| October 20, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Untimely response | consumerfinance.gov |
| October 19, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| October 19, 2026 | Vehicle loan or lease | Managing the loan or lease | Untimely response | consumerfinance.gov |
| October 19, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| October 16, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| October 13, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| October 12, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| October 12, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| October 12, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| October 10, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| October 9, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| October 7, 2026 | Payday loan, title loan, personal loan, or advance loan | Improper use of your report | Closed with explanation | consumerfinance.gov |
| October 6, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| October 4, 2026 | Credit reporting or other personal consumer reports | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| October 4, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 30, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| September 29, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| September 29, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 28, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| September 28, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | In progress | consumerfinance.gov |
| September 28, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| September 26, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 25, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 24, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| September 23, 2026 | Debt or credit management | Didn't provide services promised | Closed with explanation | consumerfinance.gov |
| September 23, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 22, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 22, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 21, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| September 19, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| September 18, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| September 17, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| September 15, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| September 14, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 14, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 12, 2026 | Debt collection | Written notification about debt | Closed with explanation | consumerfinance.gov |
| September 11, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 11, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| September 11, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| September 9, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| September 8, 2026 | Debt collection | Electronic communications | Closed with explanation | consumerfinance.gov |
| September 5, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| September 3, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| September 2, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| September 2, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with a company's investigation into an existing problem | Closed with explanation | consumerfinance.gov |
| September 2, 2026 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| September 1, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
Also on SpecStream
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- Every company with Credit reporting or other personal consumer reports complaints
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
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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.