CFPB Consumer Complaint Profile
Cloud Willis & Ellis, LLC
Consumers have filed 12 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 12
- Total complaints
- Below average
- 2
- Last 12 months
- 58.3%
- Timely response
- Bottom decile
- 6
- States affected
The verdict
12 CFPB complaints put Cloud Willis & Ellis, LLC at #3492 out of 3,843 financial companies ranked by complaint volume. On-time replies land at 58.3%, the 4th percentile for the 100+ complaint peer group.
- #3492
- of 3,843 companies by volume
- 58.3%
- on time (4th pctile)
- Debt collection
- most-complained product
- 6
- 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.
Cloud Willis & Ellis, LLC vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
58.3% Among the lowest higher than 4% 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 |
|---|---|
| 2021 | 3 |
| 2022 | 2 |
| 2023 | 2 |
| 2024 | 2 |
| 2025 | 3 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Cloud Willis & Ellis, LLC
12 complaints against Cloud Willis & Ellis, LLC appear in the CFPB record, including 2 from the trailing year. The 6 states and territories represented put this footprint in geographically concentrated territory. The single largest complaint category is "Debt collection," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "False statements or representation" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Cloud Willis & Ellis, LLC posts a 58.3% reply rate on forwarded complaints. That trails the 95% benchmark badly, a red flag given how strongly late or missing responses predict CFPB supervisory attention. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 8.3% rate.
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 Cloud Willis & Ellis, LLC have?
The CFPB has logged 12 complaints against Cloud Willis & Ellis, LLC to date, of which 2 came in over the last 12 months.
Does Cloud Willis & Ellis, LLC respond to complaints on time?
Cloud Willis & Ellis, LLC's CFPB timely-response rate is 58.3%. That trails the 95% industry benchmark by a wide margin.
What product generates the most complaints for Cloud Willis & Ellis, LLC?
"Debt collection" draws more CFPB complaints against Cloud Willis & Ellis, LLC than any other product - see the full breakdown above.
What is the most common complaint issue with Cloud Willis & Ellis, LLC?
Consumers most often cite "False statements or representation" when complaining about Cloud Willis & Ellis, LLC; the full issue list with counts is above.
How do I file a complaint against Cloud Willis & Ellis, LLC?
You can file a complaint against Cloud Willis & Ellis, LLC 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 Cloud Willis & Ellis, LLC?
Cloud Willis & Ellis, LLC has drawn CFPB complaints from 6 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 Debt collection
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.