Total complaints
42
Filed since 2017
2026 data Public-data reference. official source
KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
42 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
42 consumer complaints filed with the CFPB
This profile shows KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY's complaint history from CFPB public records. 42 consumers have filed complaints since 2017. The company has a 81% timely response rate and has provided relief in 26.2% of cases.
42
Total Complaints
81%
Timely Response
0%
Disputed
26.2%
Relief Provided
14
States Active
2017
Since
Timely response
81%
CFPB-tracked response window
Relief rate
26.2%
Closed with monetary or non-monetary relief
Timely response rate 81.0%
Federal benchmark
CFPB benchmark: response within 15 calendar days of filing.
Relief rate 26.2%
Industry median
Share closed with monetary or non-monetary relief.
KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY complaint mix by product
- Payday loan, 14 35.0% – 43% relief
- Debt collection 12 30.0% – 33% relief
- Checking or 4 10.0% – 0% relief
- Credit reporting, 4 10.0% – 0% relief
- Credit reporting 4 10.0% – 0% relief
- Payday loan, 1 2.5% – 100% relief
- Consumer Loan 1 2.5% – 0% relief
How KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY's 42 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, or personal loan | 14 |
| Debt collection | 12 |
| Checking or savings account | 4 |
| Credit reporting, credit repair services, or other personal consumer reports | 4 |
| Credit reporting or other personal consumer reports | 4 |
| Payday loan, title loan, personal loan, or advance loan | 1 |
| Consumer Loan | 1 |
| Mortgage | 1 |
| Credit card or prepaid card | 1 |
Top States
| State | Complaints |
|---|---|
| CA | 18 |
| AZ | 3 |
| FL | 3 |
| MD | 3 |
| NY | 3 |
| NV | 2 |
| MA | 2 |
| TX | 1 |
| VA | 1 |
| IA | 1 |
| UT | 1 |
| KS | 1 |
| OH | 1 |
| NJ | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Problem when making payments | 7 |
| Incorrect information on your report | 5 |
| Attempts to collect debt not owed | 5 |
| Took or threatened to take negative or legal action | 3 |
| False statements or representation | 3 |
| Problem with the payoff process at the end of the loan | 2 |
| Managing an account | 2 |
| Improper use of your report | 2 |
| Problem with a company's investigation into an existing problem | 2 |
| Problem with additional add-on products or services | 1 |
| Problem caused by your funds being low | 1 |
| Communication tactics | 1 |
| Problems when you are unable to pay | 1 |
| Problem with a company's investigation into an existing issue | 1 |
| Struggling to pay your loan | 1 |
| Money was taken from your bank account on the wrong day or for the wrong amount | 1 |
| Closing on a mortgage | 1 |
| Other features, terms, or problems | 1 |
| Opening an account | 1 |
| Charged fees or interest you didn't expect | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2017 | 3 | 100% |
| 2018 | 8 | 100% |
| 2019 | 1 | 100% |
| 2020 | 7 | 100% |
| 2021 | 6 | 83.3% |
| 2022 | 4 | 25% |
| 2023 | 7 | 42.9% |
| 2024 | 2 | 100% |
| 2025 | 4 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY has accumulated 42 consumer complaints in the CFPB public database, with filings active across 14 U.S. states. Of those submissions, 14 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to 2017, and the most recent logged activity is 2025-12-30, giving this record a multi-year window of observable consumer sentiment.
Looking at response behavior, KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY reports a 81% timely-response rate and has closed 73.8% of cases with a written explanation to the consumer. 26.2% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "Payday loan, title loan, or personal loan", and the single most common underlying issue is "Problem when making payments".
Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.
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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.
Frequently Asked Questions
How many CFPB complaints does KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY have?
KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY has received 42 consumer complaints filed with the Consumer Financial Protection Bureau.
Does KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY respond to complaints on time?
KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY has a 81% timely response rate to CFPB complaints.
What is the most common complaint about KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY?
The most common issue reported against KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY is "Problem when making payments" in the "Payday loan, title loan, or personal loan" product category.
Read our methodology — how this data is sourced, computed, and verified.
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