CFPB Consumer Complaint Profile
Westcreek Financial
Consumers have filed 941 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 941
- Total complaints
- Among the highest
- 414
- Last 12 months
- 76.9%
- Timely response
- Bottom decile
- 47
- States affected
The verdict
941 CFPB complaints put Westcreek Financial at #340 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 76.9%, the 8th percentile for the 100+ complaint peer group.
- #340
- of 3,843 companies by volume
- 76.9%
- on time (8th pctile)
- Credit reporting or …
- most-complained product
- 47
- 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.
Westcreek Financial vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
76.9% Among the lowest higher than 8% 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 205 in 2024 to 386 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 |
|---|---|
| 2016 | 1 |
| 2017 | 1 |
| 2018 | 5 |
| 2019 | 16 |
| 2020 | 22 |
| 2021 | 39 |
| 2022 | 69 |
| 2023 | 93 |
| 2024 | 205 |
| 2025 | 386 |
| 2026year in progress | 104 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Westcreek Financial
The CFPB Consumer Complaint Database has logged 941 complaints against Westcreek Financial overall, with 414 of those filed in the trailing 12 months. Reports have come from consumers in 47 states and territories, making this a nationwide complaint footprint. "Credit reporting or other personal consumer reports" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Incorrect information on your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against Westcreek Financial draw a 76.9% reply rate inside the Bureau's 15-day window. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. Resolved cases drew a formal consumer-dispute rate of 0% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 5.1%.
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 Westcreek Financial have?
941 complaints have been filed against Westcreek Financial with the CFPB overall - 414 of them in the past year.
Does Westcreek Financial respond to complaints on time?
Westcreek Financial's CFPB timely-response rate is 76.9%. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Westcreek Financial?
Among all products tied to Westcreek Financial, "Credit reporting or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Westcreek Financial?
Consumers most often cite "Incorrect information on your report" when complaining about Westcreek Financial; the full issue list with counts is above.
How do I file a complaint against Westcreek Financial?
You can file a complaint against Westcreek 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 Westcreek Financial?
The CFPB has recorded complaints against Westcreek Financial from 47 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 Westcreek 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 Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Westcreek Financial have?
941 complaints have been filed against Westcreek Financial with the CFPB overall - 414 of them in the past year.
Does Westcreek Financial respond to complaints on time?
Westcreek Financial's CFPB timely-response rate is 76.9%. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Westcreek Financial?
Among all products tied to Westcreek Financial, "Credit reporting or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Westcreek Financial?
Consumers most often cite "Incorrect information on your report" when complaining about Westcreek Financial; the full issue list with counts is above.
How do I file a complaint against Westcreek Financial?
You can file a complaint against Westcreek 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 Westcreek Financial?
The CFPB has recorded complaints against Westcreek Financial from 47 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.