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Data / Consumer complaints / Bear Claw Lending dba Lucent Cash

Bear Claw Lending dba Lucent Cash: 21 CFPB complaints

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Updated November 10, 2026. Source: CFPB Consumer Complaint Database.

Bear Claw Lending dba Lucent Cash drew 21 consumer complaints in the CFPB database in the three years to November 9, 2026, and 21 since 2025. The largest group, 17, was about payday loan, title loan, personal loan, or advance loan, and the most common issue was “Charged fees or interest you didn't expect” with 9. The company responded on time to 100.0% of the complaints, and 0.0% closed with monetary or other relief.

The request: Watch Bear Claw Lending dba Lucent Cash: each new CFPB complaint by product and issue, with the date and the company response.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

  • 21Complaints, last 3 years
  • 21Complaints, all years
  • 100.0%Responded on time
  • 0.0%Closed with relief
  • 3Products
  • Sep 28, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 98
202513

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

Issues

IssueComplaintsShare
Charged fees or interest you didn't expect942.9%
Struggling to pay your loan314.3%
Problem when making payments29.5%
Attempts to collect debt not owed14.8%
Confusing or misleading advertising or marketing14.8%
Electronic communications14.8%
Getting the loan14.8%
Incorrect information on your report14.8%
Problem with the payoff process at the end of the loan14.8%
Threatened to contact someone or share information improperly14.8%

How the company responded

Company responseComplaintsShare
Closed with explanation21100%

States

StateComplaintsShare
California523.8%
Arizona29.5%
Florida29.5%
Georgia29.5%
Missouri29.5%
Nevada29.5%
Ohio29.5%
Iowa14.8%
Oklahoma14.8%
Rhode Island14.8%
Washington14.8%

Latest 21 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
September 28, 2026Payday loan, title loan, personal loan, or advance loanConfusing or misleading advertising or marketingClosed with explanationconsumerfinance.gov
September 9, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
August 14, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
July 25, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
May 8, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
April 3, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
February 5, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
January 7, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
December 22, 2025Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
December 4, 2025Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
November 20, 2025Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
November 11, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
October 6, 2025Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
September 26, 2025Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
September 22, 2025Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
September 16, 2025Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
September 5, 2025Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
August 29, 2025Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 21, 2025Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
August 4, 2025Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
May 30, 2025Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov

Also on SpecStream

Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.

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