Credit reporting
Westcreek Financial: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 38
- Closed with money back
- 0
- 2023 to 2025
- 7 to 16
Westcreek Financial received 684 complaints from everyone in the window; 38 carried the servicemember tag. The complaints are mostly about credit reporting or other personal consumer reports, and the single most common issue is "Incorrect information on your report". 0 of the 38 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 7 in 2023 to 16 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 13 |
| Payday loan, title loan, personal loan, or advance loan | 10 |
| Debt collection | 7 |
| Credit reporting, credit repair services, or other personal consumer reports | 3 |
| Credit card | 2 |
By issue
| Incorrect information on your report | 14 |
| Attempts to collect debt not owed | 5 |
| Charged fees or interest you didn't expect | 3 |
| Improper use of your report | 3 |
| Problem with the payoff process at the end of the loan | 3 |
| 2023: 7 | 2024: 15 | 2025: 16 |
Which accounts, specifically
| Credit reporting | 15 |
| Installment loan | 11 |
| I do not know | 5 |
| Store credit card | 3 |
| Other debt | 2 |
What went wrong, specifically
| Account information incorrect | 6 |
| Information belongs to someone else | 4 |
| Credit inquiries on your report that you don't recognize | 3 |
| Debt is not yours | 3 |
| Debt was result of identity theft | 3 |
Busiest month: July 2024, with 4 servicemember complaints. Most were submitted by web.
Most complaints came from TX (9), CA (6), PA (4) , then FL, MI, GA.
How Westcreek Financial answered
| Closed with explanation | 37 |
| Closed with non-monetary relief | 1 |
Westcreek Financial responded within the CFPB's 15-day window on 89% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Credit reporting or other personal consumer reports; Incorrect information on your report. NY, 2024-08-24. Outcome: Closed with explanation. Complaint 9911039
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Payday loan, title loan, personal loan, or advance loan; Problem when making payments. CA, 2024-07-23. Outcome: Closed with explanation. Complaint 9595319
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Credit reporting or other personal consumer reports; Incorrect information on your report. CA, 2024-07-23. Outcome: Closed with explanation. Complaint 9594858
If this is your problem at Westcreek Financial
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with credit reporting peers
- Kovo 38 servicemember complaints; 0 with money back
- Tower Loan of Mississippi 37 servicemember complaints; 0 with money back
- Rfna 41 servicemember complaints; 0 with money back
- TomoCredit 41 servicemember complaints; 1 with money back
- Open Dealer Exchange 43 servicemember complaints; 0 with money back
Next in the directory by volume: 21st Mortgage, Albert, Dave Operating.
Frequently asked questions
How many complaints did servicemembers file against Westcreek Financial?
38 complaints tagged servicemember were received by the CFPB about Westcreek Financial between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 7 in 2023 to 16 in 2025.
What do servicemembers complain about most at Westcreek Financial?
Credit reporting or other personal consumer reports accounts for 13 of the 38 complaints, and the most common issue is "Incorrect information on your report" (14). Next: "Attempts to collect debt not owed" (5).
Does Westcreek Financial give money back when a servicemember complains?
0 of the 38 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 1 closed with non-monetary relief and 37 closed with an explanation only. Westcreek Financial answered 89% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.