CFPB Consumer Complaint Profile
Bear Claw Lending dba Lucent Cash
Behind the 15 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 15
- Total complaints
- Below average
- 15
- Last 12 months
- 100%
- Timely response
- Top decile
- 9
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Bear Claw Lending dba Lucent Cash sits at #3232, with 15 complaints logged. Its on-time response rate is 100%, the 86th percentile among companies with 100+ complaints.
- #3232
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Payday loan, title l…
- most-complained product
- 9
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Bear Claw Lending dba Lucent Cash vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2025 | 13 |
| 2026year in progress | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Bear Claw Lending dba Lucent Cash
The CFPB Consumer Complaint Database has logged 15 complaints against Bear Claw Lending dba Lucent Cash overall, with 15 of those filed in the trailing 12 months. Reports have come from consumers in 9 states and territories, making this a geographically concentrated complaint footprint. "Payday loan, title loan, personal loan, or advance loan" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. The specific issue named most within that category is "Charged fees or interest you didn't expect," a reasonable starting point for understanding recurring friction.
CFPB-forwarded complaints against Bear Claw Lending dba Lucent Cash draw a 100% reply rate inside the Bureau's 15-day window. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. Among resolved complaints, the consumer-relief closure rate is 0%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Bear Claw Lending dba Lucent Cash have?
The CFPB has logged 15 complaints against Bear Claw Lending dba Lucent Cash to date, of which 15 came in over the last 12 months.
Does Bear Claw Lending dba Lucent Cash respond to complaints on time?
CFPB complaints against Bear Claw Lending dba Lucent Cash draw a 100% timely-response rate inside the expected window. This is considered excellent.
What product generates the most complaints for Bear Claw Lending dba Lucent Cash?
"Payday loan, title loan, personal loan, or advance loan" draws more CFPB complaints against Bear Claw Lending dba Lucent Cash than any other product - see the full breakdown above.
What is the most common complaint issue with Bear Claw Lending dba Lucent Cash?
The most common issue reported by consumers about Bear Claw Lending dba Lucent Cash is "Charged fees or interest you didn't expect." All complaint issues are listed above with their counts.
How do I file a complaint against Bear Claw Lending dba Lucent Cash?
You can file a complaint against Bear Claw Lending dba Lucent Cash directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Bear Claw Lending dba Lucent Cash?
Bear Claw Lending dba Lucent Cash has drawn CFPB complaints from 9 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Also handles Payday loan, title loan, personal loan, or advance loan
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.