CFPB Consumer Complaint Profile
Wlcc
What 649 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 649
- Total complaints
- Above average
- 157
- Last 12 months
- 99.7%
- Timely response
- Top decile
- 45
- States affected
The verdict
Wlcc ranks #437 of 3,843 financial companies by CFPB complaint volume, with 649 complaints on record. On-time replies land at 99.7%, the 76th percentile for the 100+ complaint peer group.
- #437
- of 3,843 companies by volume
- 99.7%
- on time (76th pctile)
- Payday loan, title l…
- most-complained product
- 45
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
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.
Wlcc vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.7% Top 24% higher than 76% 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
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 76 in 2024 to 146 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2014 | 1 |
| 2015 | 22 |
| 2016 | 29 |
| 2017 | 28 |
| 2018 | 36 |
| 2019 | 49 |
| 2020 | 47 |
| 2021 | 48 |
| 2022 | 38 |
| 2023 | 87 |
| 2024 | 76 |
| 2025 | 146 |
| 2026year in progress | 42 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Wlcc
649 complaints against Wlcc appear in the CFPB record, including 157 from the trailing year. The 45 states and territories represented put this footprint in nationwide territory. The single largest complaint category is "Payday loan, title loan, personal loan, or advance loan," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Within that category, the most frequently cited specific issue is "Charged fees or interest you didn't expect" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Within the Bureau's 15-day response window, Wlcc posts a 99.7% reply rate on forwarded complaints. That clears the industry benchmark, pointing to intake and escalation processes that are working as intended. Resolved cases drew a formal consumer-dispute rate of 7% - a rough measure of how often the first resolution missed the mark. Among resolved complaints, the consumer-relief closure rate is 10.9%.
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 Wlcc have?
The CFPB has logged 649 complaints against Wlcc to date, of which 157 came in over the last 12 months.
Does Wlcc respond to complaints on time?
CFPB complaints against Wlcc draw a 99.7% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Wlcc?
The most complained-about product for Wlcc is "Payday loan, title loan, personal loan, or advance loan." You can view the full product breakdown on this page.
What is the most common complaint issue with Wlcc?
The most common issue reported by consumers about Wlcc 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 Wlcc?
You can file a complaint against Wlcc 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 Wlcc?
Consumers in 45 states and territories have filed complaints about Wlcc with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Wlcc: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (7% here).
Also handles Payday loan, title loan, personal loan, or advance loan
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Wlcc have?
The CFPB has logged 649 complaints against Wlcc to date, of which 157 came in over the last 12 months.
Does Wlcc respond to complaints on time?
CFPB complaints against Wlcc draw a 99.7% timely-response rate inside the expected window. That is a strong response record by CFPB standards.
What product generates the most complaints for Wlcc?
The most complained-about product for Wlcc is "Payday loan, title loan, personal loan, or advance loan." You can view the full product breakdown on this page.
What is the most common complaint issue with Wlcc?
The most common issue reported by consumers about Wlcc 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 Wlcc?
You can file a complaint against Wlcc 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 Wlcc?
Consumers in 45 states and territories have filed complaints about Wlcc with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.