CFPB · Single-product concentration
Bear Claw Lending dba Lucent Cash
17 CFPB complaints · 76.5% in "Payday loan, title loan, personal loan, or advance loan" · top issue Charged fees or interest you didn't expect.
Bear Claw Lending dba Lucent Cash: 76.5% of 17 CFPB complaints sit in "Payday loan, title loan, personal loan, or advance loan". Timely 100% · relief 0%. Allegations, not findings.
- Single-product concentration
- -69.2% filings 2025 to 2026
CFPB relief outcome brief
CCDB company bear-claw-lending-dba-lucent-cash
0% relief · 100% timely · 17 filings · Payday loan, title loan, personal loan, or advance loan
Same-product relief peers
Nearest relief peer: CCF Intermediate Holdings LLC (0% relief)
Bear Claw Lending dba Lucent Cash closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Bear Claw Lending dba Lucent Cash's 17 filings include narrative text
41.2% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Bear Claw Lending dba Lucent Cash complaint mix by product
- Payday loan, 13 76.5% – 0% relief
- Debt collection 3 17.6% – 0% relief
- Credit reporting 1 5.9% – 0% relief
How Bear Claw Lending dba Lucent Cash's 17 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Payday loan, title loan, personal loan, or advance loan | 13 |
| Debt collection | 3 |
| Credit reporting or other personal consumer reports | 1 |
Where Bear Claw Lending dba Lucent Cash complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 29.4% of this company's filings
Bear Claw Lending dba Lucent Cash falling annual filings
Annual filing volume from the CFPB public database
- 2026
- 4
- -69.2% vs 2025
Top States
| State | Complaints |
|---|---|
| CA | 5 |
| NV | 2 |
| MO | 2 |
| OH | 2 |
| OK | 1 |
| AZ | 1 |
| RI | 1 |
| GA | 1 |
| FL | 1 |
| WA | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Charged fees or interest you didn't expect | 7 |
| Struggling to pay your loan | 3 |
| Problem when making payments | 1 |
| Attempts to collect debt not owed | 1 |
| Problem with the payoff process at the end of the loan | 1 |
| Threatened to contact someone or share information improperly | 1 |
| Incorrect information on your report | 1 |
| Electronic communications | 1 |
| Getting the loan | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2025 | 13 | 100% |
| 2026 | 4 | 100% |
Source: CFPB Consumer Complaint Database
Bear Claw Lending dba Lucent Cash filings cluster in one product
Bear Claw Lending dba Lucent Cash's 17 logged complaints stay concentrated: only 10 states show a filing. 41.2% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2025 through 2026-05-08.
Bear Claw Lending dba Lucent Cash answers 100% of complaints inside the CFPB's tracked window and closes 100% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Payday loan, title loan, personal loan, or advance loan" draws the most filings, most often for "Charged fees or interest you didn't expect."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Bear Claw Lending dba Lucent Cash.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Bear Claw Lending dba Lucent Cash: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 17.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 100%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Bear Claw Lending dba Lucent Cash (100% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration