CFPB Consumer Complaint Profile
We Collect Inc
What 97 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
- 97
- Total complaints
- Mid-range
- 40
- Last 12 months
- 47.4%
- Timely response
- Bottom decile
- 25
- States affected
The verdict
We Collect Inc ranks #1343 of 3,843 financial companies by CFPB complaint volume, with 97 complaints on record. On-time replies land at 47.4%, the 3rd percentile for the 100+ complaint peer group.
- #1343
- of 3,843 companies by volume
- 47.4%
- on time (3rd pctile)
- Credit card
- most-complained product
- 25
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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.
We Collect Inc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
47.4% Among the lowest higher than 3% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 5 in 2024 to 24 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2013 | 1 |
| 2014 | 1 |
| 2015 | 6 |
| 2016 | 8 |
| 2017 | 8 |
| 2018 | 7 |
| 2019 | 5 |
| 2020 | 2 |
| 2021 | 6 |
| 2022 | 4 |
| 2023 | 2 |
| 2024 | 5 |
| 2025 | 24 |
| 2026year in progress | 18 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for We Collect Inc
The CFPB Consumer Complaint Database has logged 97 complaints against We Collect Inc overall, with 40 of those filed in the trailing 12 months. Reports have come from consumers in 25 states and territories, making this a multi-regional complaint footprint. The single largest complaint category is "Credit card," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Attempts to collect debt not owed" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
We Collect Inc's timely response rate stands at 47.4%, 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 42.1% - 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 2.1% 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 We Collect Inc have?
We Collect Inc has 97 total consumer complaints filed with the CFPB, with 40 filed in the last 12 months.
Does We Collect Inc respond to complaints on time?
We Collect Inc has a 47.4% timely response rate to CFPB complaints. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for We Collect Inc?
The most complained-about product for We Collect Inc is "Credit card." You can view the full product breakdown on this page.
What is the most common complaint issue with We Collect Inc?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against We Collect Inc - see all issues and counts above.
How do I file a complaint against We Collect Inc?
You can file a complaint against We Collect Inc 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 We Collect Inc?
The CFPB has recorded complaints against We Collect Inc from 25 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for We Collect Inc: 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 (42.1% here).
Also handles Credit card
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does We Collect Inc have?
We Collect Inc has 97 total consumer complaints filed with the CFPB, with 40 filed in the last 12 months.
Does We Collect Inc respond to complaints on time?
We Collect Inc has a 47.4% timely response rate to CFPB complaints. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for We Collect Inc?
The most complained-about product for We Collect Inc is "Credit card." You can view the full product breakdown on this page.
What is the most common complaint issue with We Collect Inc?
"Attempts to collect debt not owed" is the single most frequently cited issue in complaints against We Collect Inc - see all issues and counts above.
How do I file a complaint against We Collect Inc?
You can file a complaint against We Collect Inc 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 We Collect Inc?
The CFPB has recorded complaints against We Collect Inc from 25 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.