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Share of complaints that ended with money back
0.0%
Of the 105 complaints recorded against Western-Shamrock Corporation in the CFPB database, 0 were closed with monetary relief. Read this as one figure from a public dataset, not a grade: it is not adjusted for how many customers or loans a company has, its product mix, complaint severity, or how each firm classifies its responses — so it should not be read as this lender treating people better or worse than another.
Issue categories as selected by borrowers on the CFPB complaint form.
| Issue | Complaints | Share |
|---|---|---|
| Struggling to pay your loan | 44 | 41.9% |
| Problem when making payments | 21 | 20.0% |
| Charged fees or interest you didn't expect | 10 | 9.5% |
| Incorrect information on your report | 9 | 8.6% |
| Improper use of your report | 5 | 4.8% |
| Getting the loan | 4 | 3.8% |
The outcome the CFPB recorded for each complaint after the company responded.
| Outcome | Complaints | Share |
|---|---|---|
| Closed with explanation The company stated its position; nothing changed for the borrower. | 96 | 91.4% |
| Closed with non-monetary relief A non-cash fix (e.g. a correction or a stopped practice). | 8 | 7.6% |
| Closed Closed with no category recorded. | 1 | 1.0% |
You can withdraw permission for any company to debit your account, and instruct your bank to block the payment. Neither step needs the lender’s agreement, and neither depends on whether you still owe the money.
Top states by complaint volume. Each links to that state’s law page.
| State | Complaints |
|---|---|
| Texas | 55 |
| Oklahoma | 19 |
| Missouri | 10 |
| Georgia | 6 |
| New Mexico | 6 |
| South Carolina | 4 |
| Alabama | 1 |
| Arkansas | 1 |
Verbatim from complaints filed against Western-Shamrock Corporation in the CFPB database. XX and XXXX are the Bureau’s own redactions of personal details. These are allegations by borrowers, published by the CFPB — not findings, and not necessarily accepted by the company.
Hello, I have sent a cease and desist letter to this company saying that I no longer can repay this loan. I have consulted a finance company to try and consolidate my loans. I told this company by email to please stop calling and send me email updates. I explained my situation and they call me every single day, multiple times a day, they…Struggling to pay your loan · complaint filed 2026-04-21
My main issue is the company contacted someone i am affliated with but did not list on my application as employment or a reference. It was mentioned i do contract work for the company we both work for but thats it. The manager is a personal friend with this person and decided to message them after I was unable to answer ONE phone call…Struggling to pay your loan · complaint filed 2026-03-19
I simply need this company to contact ME for payment. They will call and text my references but have failed to contact me directly. Even from the start of the loan which was a soliciting by a check by mail., they showed up at my house for additional information rather than sending a letter in the mail.Problem when making payments · complaint filed 2026-03-09
More complaints does not mean worse. A company serving millions of borrowers will collect more complaints than one serving thousands, whatever the quality of either. That is why the headline figure is a rate — the share of complaints that end with money back — not a count. The rate already adjusts for how many people complained.
A complaint is also an allegation, not a finding. The CFPB does not verify what borrowers write, and neither do we.
The complaint counts, resolution outcomes, issue and state breakdowns on this page come straight from the CFPB Consumer Complaint Database (a public federal dataset of 15,188,499 complaints filed since 2011; retrieved 3 August 2026) and refresh from that API — no editorial judgement is applied to those numbers. The regulatory-action, rent-a-bank and SEC-filing sections, the lender’s classification and description, and the company-name matching are researched and reviewed by hand, and dated where shown.
Complaints are published after the company responds or after 15 days, whichever comes first. The CFPB does not verify borrowers’ accounts, and a complaint is not a finding of wrongdoing. The database is not a statistical sample of all customer experience. Search the full database →
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