CFPB Consumer Complaint Profile
Westlake Services, LLC
Behind the 11,846 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 11,846
- Total complaints
- Among the highest
- 3,698
- Last 12 months
- 99.6%
- Timely response
- Top decile
- 54
- States affected
The verdict
Westlake Services, LLC ranks #56 of 3,843 financial companies by CFPB complaint volume, with 11,846 complaints on record. On-time replies land at 99.6%, the 74th percentile for the 100+ complaint peer group.
- #56
- of 3,843 companies by volume
- 99.6%
- on time (74th pctile)
- Vehicle loan or lease
- most-complained product
- 54
- 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.
Westlake Services, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.6% Higher than most higher than 74% 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 2,195 in 2024 to 3,394 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 | 33 |
| 2014 | 66 |
| 2015 | 137 |
| 2016 | 180 |
| 2017 | 221 |
| 2018 | 308 |
| 2019 | 326 |
| 2020 | 475 |
| 2021 | 646 |
| 2022 | 794 |
| 2023 | 1,991 |
| 2024 | 2,195 |
| 2025 | 3,394 |
| 2026year in progress | 1,080 |
Complaints by State (Top 15)
Company Responses
Westlake Services, LLC Complaint Concentration Profile
Westlake Services, LLC's complaint volume is large enough to measure concentration - not just the headline totals. Across 59 named product lines in the stored breakdown, the leading three (Vehicle loan or lease, Credit reporting or other personal consumer reports, Credit reporting, credit repair services, or other personal consumer reports) hold a 69.9% share of product-tagged complaints. The Herfindahl index on that product mix is 0.204 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Incorrect information on your report, Managing the loan or lease, Improper use of your report) cover a 51.7% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (Florida, California, Georgia) hold a 38.5% share of state-tagged volume across 54 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 99.7% share among the 11,846 response-tagged complaints (11,810 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (3,394 complaints); the lightest year on file was 2013 (33). From 2024 to 2025, annual volume rose 54.6% (2,195 → 3,394). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for Westlake Services, LLC
Westlake Services, LLC carries 11,846 complaints in the CFPB's database, 3,698 of them filed within the past 12 months. Consumers spanning 54 states and territories have weighed in, giving this a nationwide footprint. No product draws more complaints than "Vehicle loan or lease," which sits at the top of the product breakdown. 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.
Westlake Services, LLC's timely response rate stands at 99.6%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Resolved cases drew a formal consumer-dispute rate of 17% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 0.3%.
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 Westlake Services, LLC have?
The CFPB has logged 11,846 complaints against Westlake Services, LLC to date, of which 3,698 came in over the last 12 months.
Does Westlake Services, LLC respond to complaints on time?
Westlake Services, LLC has a 99.6% timely response rate to CFPB complaints. That is a strong response record by CFPB standards.
What product generates the most complaints for Westlake Services, LLC?
Among all products tied to Westlake Services, LLC, "Vehicle loan or lease" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Westlake Services, LLC?
"Incorrect information on your report" is the single most frequently cited issue in complaints against Westlake Services, LLC - see all issues and counts above.
How do I file a complaint against Westlake Services, LLC?
You can file a complaint against Westlake Services, LLC 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 Westlake Services, LLC?
Westlake Services, LLC has drawn CFPB complaints from 54 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 Westlake Services, LLC: 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 complaint volume
Nearest companies by total CFPB complaint count (11,846 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (17% here).
Also handles Vehicle loan or lease
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Westlake Services, LLC have?
The CFPB has logged 11,846 complaints against Westlake Services, LLC to date, of which 3,698 came in over the last 12 months.
Does Westlake Services, LLC respond to complaints on time?
Westlake Services, LLC has a 99.6% timely response rate to CFPB complaints. That is a strong response record by CFPB standards.
What product generates the most complaints for Westlake Services, LLC?
Among all products tied to Westlake Services, LLC, "Vehicle loan or lease" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Westlake Services, LLC?
"Incorrect information on your report" is the single most frequently cited issue in complaints against Westlake Services, LLC - see all issues and counts above.
How do I file a complaint against Westlake Services, LLC?
You can file a complaint against Westlake Services, LLC 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 Westlake Services, LLC?
Westlake Services, LLC has drawn CFPB complaints from 54 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.