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Data / Consumer complaints / WLCC

WLCC: 470 CFPB consumer complaints in the last 3 years

WLCC drew 470 consumer complaints in the CFPB database in the three years to November 6, 2026, and 841 since 2014. The largest group, 362, 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 132. The company responded on time to 98.1% of the complaints, and 0.0% closed with monetary or other relief.

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.

  • 470Complaints, last 3 years
  • 841Complaints, all years
  • 98.1%Responded on time
  • 0.0%Closed with relief
  • 6Products
  • Oct 24, 2026Latest received

Complaints by year

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

YearComplaints
2026, to Nov 6234
2025146
202476
202387
202238
202148
202047
201949
201836
201728
201629
201522
20141

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 expect13228.1%
Struggling to pay your loan7315.5%
Threatened to contact someone or share information improperly357.4%
Can't stop withdrawals from your bank account347.2%
Problem when making payments306.4%
Can't contact lender or servicer194%
Getting the loan183.8%
Received a loan you didn't apply for153.2%
Problem with the payoff process at the end of the loan143%
Attempts to collect debt not owed132.8%
Electronic communications132.8%
Communication tactics102.1%
Improper use of your report81.7%
Money was taken from your bank account on the wrong day or for the wrong amount81.7%
Incorrect information on your report71.5%
Was approved for a loan, but didn't receive the money71.5%
False statements or representation61.3%
Getting a line of credit51.1%
Took or threatened to take negative or legal action51.1%
Problem with a company's investigation into an existing problem40.9%
Loan payment wasn't credited to your account30.6%
Written notification about debt20.4%
Closing an account10.2%
Fraud or scam10.2%
Identity theft protection or other monitoring services10.2%

How the company responded

Company responseComplaintsShare
Closed with explanation470100%

States

StateComplaintsShare
California10221.7%
Florida4710%
Ohio418.7%
Washington286%
Texas214.5%
Michigan204.3%
Arizona153.2%
Indiana153.2%
Kentucky132.8%
New Jersey132.8%
Colorado122.6%
Missouri122.6%
Tennessee102.1%
Georgia91.9%
Nevada91.9%
Oklahoma91.9%
Pennsylvania91.9%
Mississippi81.7%
Oregon81.7%
Illinois61.3%
Massachusetts61.3%
South Carolina61.3%
Alabama40.9%
Connecticut40.9%
Iowa40.9%

Latest 50 complaints

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

ReceivedProductIssueCompany responseSource
October 24, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 23, 2026Payday loan, title loan, personal loan, or advance loanCan't stop withdrawals from your bank accountClosed with explanationconsumerfinance.gov
October 21, 2026Payday loan, title loan, personal loan, or advance loanCan't stop withdrawals from your bank accountClosed with explanationconsumerfinance.gov
October 20, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
October 18, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 16, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 16, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 15, 2026Payday loan, title loan, personal loan, or advance loanCan't stop withdrawals from your bank accountClosed with explanationconsumerfinance.gov
October 15, 2026Payday loan, title loan, personal loan, or advance loanCan't stop withdrawals from your bank accountClosed with explanationconsumerfinance.gov
October 11, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
October 9, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed with explanationconsumerfinance.gov
October 9, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
October 8, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
October 6, 2026Payday loan, title loan, personal loan, or advance loanIssues with repaymentClosed with explanationconsumerfinance.gov
October 6, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
October 2, 2026Payday loan, title loan, personal loan, or advance loanReceived a loan you didn't apply forClosed with explanationconsumerfinance.gov
September 30, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 29, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 29, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
September 29, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 26, 2026Payday loan, title loan, personal loan, or advance loanCan't stop withdrawals from your bank accountClosed with explanationconsumerfinance.gov
September 25, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 23, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 23, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 21, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
September 21, 2026Debt collectionCommunication tacticsClosed with explanationconsumerfinance.gov
September 21, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
September 18, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 17, 2026Payday loan, title loan, personal loan, or advance loanLoan payment wasn't credited to your accountClosed with explanationconsumerfinance.gov
September 16, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 15, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
September 15, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 15, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
September 12, 2026Payday loan, title loan, personal loan, or advance loanCan't contact lender or servicerClosed with explanationconsumerfinance.gov
September 11, 2026Payday loan, title loan, personal loan, or advance loanCan't contact lender or servicerClosed with explanationconsumerfinance.gov
September 11, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 8, 2026Payday loan, title loan, personal loan, or advance loanLoan payment wasn't credited to your accountClosed with explanationconsumerfinance.gov
September 3, 2026Debt collectionElectronic communicationsClosed with explanationconsumerfinance.gov
September 2, 2026Debt collectionThreatened to contact someone or share information improperlyClosed with explanationconsumerfinance.gov
September 2, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
September 2, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
September 2, 2026Payday loan, title loan, personal loan, or advance loanCan't stop withdrawals from your bank accountClosed with explanationconsumerfinance.gov
September 1, 2026Payday loan, title loan, personal loan, or advance loanStruggling to pay your loanClosed with explanationconsumerfinance.gov
August 30, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
August 30, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
August 30, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
August 28, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
August 28, 2026Payday loan, title loan, personal loan, or advance loanCan't stop withdrawals from your bank accountClosed with explanationconsumerfinance.gov
August 27, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
August 26, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov

Also on SpecStream

Updated November 7, 2026. Read from CFPB Consumer Complaint Database. 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.