CFPB Consumer Complaint Profile
CW Financial
What 27 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 27
- Total complaints
- Mid-range
- 2
- Last 12 months
- 3.7%
- Timely response
- Bottom decile
- 13
- States affected
The verdict
27 CFPB complaints put CW Financial at #2473 out of 3,843 financial companies ranked by complaint volume. Its on-time response rate is 3.7%, the 0th percentile among companies with 100+ complaints.
- #2473
- of 3,843 companies by volume
- 3.7%
- on time (0th pctile)
- Debt collection
- most-complained product
- 13
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
CW Financial vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
3.7% Among the lowest in the bottom 1% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 4 |
| 2015 | 1 |
| 2016 | 2 |
| 2017 | 1 |
| 2018 | 1 |
| 2019 | 5 |
| 2020 | 2 |
| 2021 | 8 |
| 2025 | 2 |
| 2026year in progress | 1 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for CW Financial
The CFPB Consumer Complaint Database has logged 27 complaints against CW Financial overall, with 2 of those filed in the trailing 12 months. Reports have come from consumers in 13 states and territories, making this a geographically concentrated complaint footprint. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. The specific issue named most within that category is "Took or threatened to take negative or legal action," a reasonable starting point for understanding recurring friction.
CW Financial's timely response rate stands at 3.7%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. Resolved cases drew a formal consumer-dispute rate of 0% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 0% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does CW Financial have?
CW Financial has 27 total consumer complaints filed with the CFPB, with 2 filed in the last 12 months.
Does CW Financial respond to complaints on time?
CW Financial's CFPB timely-response rate is 3.7%. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for CW Financial?
Among all products tied to CW Financial, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with CW Financial?
Consumers most often cite "Took or threatened to take negative or legal action" when complaining about CW Financial; the full issue list with counts is above.
How do I file a complaint against CW Financial?
You can file a complaint against CW Financial directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about CW Financial?
CW Financial has drawn CFPB complaints from 13 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for CW Financial: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (0% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.