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Data / Consumer complaints / WLCC / Payday loan, title loan, personal loan, or advance loan

WLCC: 362 CFPB complaints about payday loan, title loan, personal loan, or advance loan, last 3 years

Updated November 7, 2026. Source: CFPB Consumer Complaint Database.

WLCC drew 362 consumer complaints about payday loan, title loan, personal loan, or advance loan in the CFPB database in the three years to November 6, 2026, 77.0% of its 470 complaints in that time. The most common issue was “Charged fees or interest you didn't expect”. The company responded on time to 97.5% of them, and 0.0% closed with monetary or other relief.

The request: Watch WLCC: each new CFPB complaint about payday loan, title loan, personal loan, or advance loan by issue, with the date and the company response. $10 of work on sign-up, no card.

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.

  • 362Complaints, last 3 years
  • 77.0%Share of the company's complaints
  • 97.5%Responded on time
  • 0.0%Closed with relief
  • Oct 24, 2026Latest received

By period

The three years are cut into 12 month periods ending on the date of the latest data.

PeriodComplaintsShare
12 months to Nov 6, 202619052.5%
12 months to Nov 6, 202511230.9%
12 months to Nov 6, 20246016.6%

Issues

IssueComplaintsShare
Charged fees or interest you didn't expect13236.5%
Struggling to pay your loan7320.2%
Can't stop withdrawals from your bank account349.4%
Problem when making payments298%
Can't contact lender or servicer195.2%
Getting the loan185%
Received a loan you didn't apply for154.1%
Problem with the payoff process at the end of the loan143.9%
Money was taken from your bank account on the wrong day or for the wrong amount82.2%
Was approved for a loan, but didn't receive the money71.9%
Getting a line of credit51.4%
Loan payment wasn't credited to your account30.8%
Improper use of your report20.6%
Issues with repayment10.3%
Problem with additional add-on products or services10.3%
Problems receiving the advance10.3%

How the company responded

Company responseComplaintsShare
Closed with explanation362100%

States

Where the consumers who complained live, as they gave it to the CFPB.

StateComplaintsShare
California7921.8%
Florida369.9%
Ohio277.5%
Washington256.9%
Texas164.4%
Michigan154.1%
Indiana133.6%
New Jersey133.6%
Colorado113%
Kentucky113%
Arizona102.8%
Georgia82.2%
Pennsylvania82.2%
Missouri71.9%
Nevada71.9%
Mississippi61.7%
Oklahoma61.7%
Oregon61.7%
Tennessee61.7%
Massachusetts51.4%
Connecticut41.1%
Iowa41.1%
Alabama30.8%
Kansas30.8%
Minnesota30.8%

Latest 25 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 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 9, 2026Payday loan, title loan, personal loan, or advance loanProblem when making paymentsClosed 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 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, 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, 2026Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed 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, 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

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.