CFPB Consumer Complaint Profile
Western-Shamrock Corporation
347 CFPB complaints trace a pattern in how this company responds when customers push back on credit, billing, or collection problems.
Data updated 2026-08-14
- 347
- Total complaints
- Above average
- 78
- Last 12 months
- 98.3%
- Timely response
- Above median
- 17
- States affected
The verdict
Western-Shamrock Corporation ranks #634 of 3,843 financial companies by CFPB complaint volume, with 347 complaints on record. On-time replies land at 98.3%, the 51st percentile for the 100+ complaint peer group.
- #634
- of 3,843 companies by volume
- 98.3%
- on time (51st pctile)
- Debt collection
- most-complained product
- 17
- 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.
Western-Shamrock Corporation vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
98.3% Higher than most higher than 51% 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 37 in 2024 to 79 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 |
|---|---|
| 2014 | 13 |
| 2015 | 11 |
| 2016 | 26 |
| 2017 | 26 |
| 2018 | 24 |
| 2019 | 24 |
| 2020 | 16 |
| 2021 | 29 |
| 2022 | 23 |
| 2023 | 19 |
| 2024 | 37 |
| 2025 | 79 |
| 2026year in progress | 20 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Western-Shamrock Corporation
Western-Shamrock Corporation carries 347 complaints in the CFPB's database, 78 of them filed within the past 12 months. Consumers spanning 17 states and territories have weighed in, giving this a multi-regional footprint. "Debt collection" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Incorrect information on your report," a reasonable starting point for understanding recurring friction.
Within the Bureau's 15-day response window, Western-Shamrock Corporation posts a 98.3% reply rate on forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. The company's response carried a 24.6% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 8.6% 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 Western-Shamrock Corporation have?
The CFPB has logged 347 complaints against Western-Shamrock Corporation to date, of which 78 came in over the last 12 months.
Does Western-Shamrock Corporation respond to complaints on time?
Western-Shamrock Corporation's CFPB timely-response rate is 98.3%. This is considered excellent.
What product generates the most complaints for Western-Shamrock Corporation?
Among all products tied to Western-Shamrock Corporation, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Western-Shamrock Corporation?
Consumers most often cite "Incorrect information on your report" when complaining about Western-Shamrock Corporation; the full issue list with counts is above.
How do I file a complaint against Western-Shamrock Corporation?
You can file a complaint against Western-Shamrock Corporation 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 Western-Shamrock Corporation?
The CFPB has recorded complaints against Western-Shamrock Corporation from 17 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 Western-Shamrock Corporation: 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 (24.6% here).
Also handles Debt collection
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Western-Shamrock Corporation have?
The CFPB has logged 347 complaints against Western-Shamrock Corporation to date, of which 78 came in over the last 12 months.
Does Western-Shamrock Corporation respond to complaints on time?
Western-Shamrock Corporation's CFPB timely-response rate is 98.3%. This is considered excellent.
What product generates the most complaints for Western-Shamrock Corporation?
Among all products tied to Western-Shamrock Corporation, "Debt collection" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Western-Shamrock Corporation?
Consumers most often cite "Incorrect information on your report" when complaining about Western-Shamrock Corporation; the full issue list with counts is above.
How do I file a complaint against Western-Shamrock Corporation?
You can file a complaint against Western-Shamrock Corporation 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 Western-Shamrock Corporation?
The CFPB has recorded complaints against Western-Shamrock Corporation from 17 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.