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.
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- 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.
| Year | Complaints |
|---|---|
| 2026, to Nov 6 | 234 |
| 2025 | 146 |
| 2024 | 76 |
| 2023 | 87 |
| 2022 | 38 |
| 2021 | 48 |
| 2020 | 47 |
| 2019 | 49 |
| 2018 | 36 |
| 2017 | 28 |
| 2016 | 29 |
| 2015 | 22 |
| 2014 | 1 |
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.
| Product | Complaints | Share |
|---|---|---|
| Payday loan, title loan, personal loan, or advance loan | 362 | 77% |
| Debt collection | 84 | 17.9% |
| Credit reporting or other personal consumer reports | 19 | 4% |
| Checking or savings account | 3 | 0.6% |
| Credit card | 1 | 0.2% |
| Money transfer, virtual currency, or money service | 1 | 0.2% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 132 | 28.1% |
| Struggling to pay your loan | 73 | 15.5% |
| Threatened to contact someone or share information improperly | 35 | 7.4% |
| Can't stop withdrawals from your bank account | 34 | 7.2% |
| Problem when making payments | 30 | 6.4% |
| Can't contact lender or servicer | 19 | 4% |
| Getting the loan | 18 | 3.8% |
| Received a loan you didn't apply for | 15 | 3.2% |
| Problem with the payoff process at the end of the loan | 14 | 3% |
| Attempts to collect debt not owed | 13 | 2.8% |
| Electronic communications | 13 | 2.8% |
| Communication tactics | 10 | 2.1% |
| Improper use of your report | 8 | 1.7% |
| Money was taken from your bank account on the wrong day or for the wrong amount | 8 | 1.7% |
| Incorrect information on your report | 7 | 1.5% |
| Was approved for a loan, but didn't receive the money | 7 | 1.5% |
| False statements or representation | 6 | 1.3% |
| Getting a line of credit | 5 | 1.1% |
| Took or threatened to take negative or legal action | 5 | 1.1% |
| Problem with a company's investigation into an existing problem | 4 | 0.9% |
| Loan payment wasn't credited to your account | 3 | 0.6% |
| Written notification about debt | 2 | 0.4% |
| Closing an account | 1 | 0.2% |
| Fraud or scam | 1 | 0.2% |
| Identity theft protection or other monitoring services | 1 | 0.2% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 470 | 100% |
States
| State | Complaints | Share |
|---|---|---|
| California | 102 | 21.7% |
| Florida | 47 | 10% |
| Ohio | 41 | 8.7% |
| Washington | 28 | 6% |
| Texas | 21 | 4.5% |
| Michigan | 20 | 4.3% |
| Arizona | 15 | 3.2% |
| Indiana | 15 | 3.2% |
| Kentucky | 13 | 2.8% |
| New Jersey | 13 | 2.8% |
| Colorado | 12 | 2.6% |
| Missouri | 12 | 2.6% |
| Tennessee | 10 | 2.1% |
| Georgia | 9 | 1.9% |
| Nevada | 9 | 1.9% |
| Oklahoma | 9 | 1.9% |
| Pennsylvania | 9 | 1.9% |
| Mississippi | 8 | 1.7% |
| Oregon | 8 | 1.7% |
| Illinois | 6 | 1.3% |
| Massachusetts | 6 | 1.3% |
| South Carolina | 6 | 1.3% |
| Alabama | 4 | 0.9% |
| Connecticut | 4 | 0.9% |
| Iowa | 4 | 0.9% |
Latest 50 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| October 24, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| October 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't stop withdrawals from your bank account | Closed with explanation | consumerfinance.gov |
| October 21, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't stop withdrawals from your bank account | Closed with explanation | consumerfinance.gov |
| October 20, 2026 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | consumerfinance.gov |
| October 18, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| October 16, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| October 16, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| October 15, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't stop withdrawals from your bank account | Closed with explanation | consumerfinance.gov |
| October 15, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't stop withdrawals from your bank account | Closed with explanation | consumerfinance.gov |
| October 11, 2026 | Debt collection | Electronic communications | Closed with explanation | consumerfinance.gov |
| October 9, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem when making payments | Closed with explanation | consumerfinance.gov |
| October 9, 2026 | Debt collection | Electronic communications | Closed with explanation | consumerfinance.gov |
| October 8, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| October 6, 2026 | Payday loan, title loan, personal loan, or advance loan | Issues with repayment | Closed with explanation | consumerfinance.gov |
| October 6, 2026 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | consumerfinance.gov |
| October 2, 2026 | Payday loan, title loan, personal loan, or advance loan | Received a loan you didn't apply for | Closed with explanation | consumerfinance.gov |
| September 30, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 29, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 29, 2026 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | consumerfinance.gov |
| September 29, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 26, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't stop withdrawals from your bank account | Closed with explanation | consumerfinance.gov |
| September 25, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 23, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| September 23, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 21, 2026 | Debt collection | Communication tactics | Closed with explanation | consumerfinance.gov |
| September 21, 2026 | Debt collection | Communication tactics | Closed with explanation | consumerfinance.gov |
| September 21, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| September 18, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 17, 2026 | Payday loan, title loan, personal loan, or advance loan | Loan payment wasn't credited to your account | Closed with explanation | consumerfinance.gov |
| September 16, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 15, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| September 15, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 15, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| September 12, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't contact lender or servicer | Closed with explanation | consumerfinance.gov |
| September 11, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't contact lender or servicer | Closed with explanation | consumerfinance.gov |
| September 11, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 8, 2026 | Payday loan, title loan, personal loan, or advance loan | Loan payment wasn't credited to your account | Closed with explanation | consumerfinance.gov |
| September 3, 2026 | Debt collection | Electronic communications | Closed with explanation | consumerfinance.gov |
| September 2, 2026 | Debt collection | Threatened to contact someone or share information improperly | Closed with explanation | consumerfinance.gov |
| September 2, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| September 2, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| September 2, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't stop withdrawals from your bank account | Closed with explanation | consumerfinance.gov |
| September 1, 2026 | Payday loan, title loan, personal loan, or advance loan | Struggling to pay your loan | Closed with explanation | consumerfinance.gov |
| August 30, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| August 30, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| August 30, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| August 28, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| August 28, 2026 | Payday loan, title loan, personal loan, or advance loan | Can't stop withdrawals from your bank account | Closed with explanation | consumerfinance.gov |
| August 27, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| August 26, 2026 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
- Every company with Debt collection complaints
- Every company with Credit reporting or other personal consumer reports complaints
- Every company with Checking or savings account complaints
- Consumer complaints in California
- Consumer complaints in Florida
- Consumer complaints in Ohio
- All consumer complaints
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.