CFPB · Mid-pack CFPB posture

Wilco Finance, Inc

7 CFPB complaints · 1 states · top issue Took or threatened to take negative or legal action.

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7 CFPB complaints

Wilco Finance, Inc has 7 consumer complaints in the CFPB public database. Timely response is 85.7%; 14.3% closed with relief; top product Debt collection. Allegations, not regulatory findings.

  • Mid-pack CFPB posture
  • -83.3% filings 2025 to 2026

CFPB relief outcome brief

CCDB company wilco-finance-inc

14.3% relief · 85.7% timely · 7 filings · Debt collection

Same-product relief peers

Nearest relief peer: CCS Financial Services, Inc. (14.3% relief)

Wilco Finance, Inc (this)14.3%Credit Bureau of CarbonCounty3%Credit Service Company0%Independent Bank Corp.15%American Capital Enterprises,Inc.1%
Closed-with-relief % among Wilco Finance, Inc and nearest filing-volume peers

Wilco Finance, Inc closes 14.3% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →

Response Quality Score

Wilco Finance, Inc has 7 filings on record, below the 10-complaint threshold this score requires for a stable percentage. A single additional filing can swing a rate by 10+ points at this volume, so no score is shown rather than an unstable one.

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Timely response rate 85.7%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 14.3%
Industry median (≥10 complaints)

Share closed with monetary or non-monetary relief.

Wilco Finance, Inc complaint mix by product

Total complaints: 7

Wilco Finance, Inc complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 7 total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). Debt collection: 4 complaints (57.1%), resolution 25.0% Debt collection 57.1% Credit reporting: 3 complaints (42.9%), resolution 0.0% Credit reporting 42.9%
  • Debt collection 4 57.1% – 25% relief
  • Credit reporting 3 42.9% – 0% relief

How Wilco Finance, Inc's 7 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
Debt collection 4
Credit reporting or other personal consumer reports 3

Wilco Finance, Inc falling annual filings

Annual filing volume from the CFPB public database

Falling vs first year
2026
1
-83.3% vs 2025
02468 20252026 1

Top States

State Complaints
NC 7

Top Issues

Issue Complaints
Took or threatened to take negative or legal action 4
Incorrect information on your report 2
Problem with a company's investigation into an existing problem 1

Yearly Trend

Year Complaints Timely
2025 6 83.3%
2026 1 100%

Source: CFPB Consumer Complaint Database

What the CFPB record shows about Wilco Finance, Inc

Wilco Finance, Inc's 7 logged complaints stay concentrated: only 1 state shows a filing. Only 28.6% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2025 through 2026-03-06.

Wilco Finance, Inc answers 85.7% of complaints inside the CFPB's tracked window and closes 85.7% with a written explanation. 14.3% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Took or threatened to take negative or legal action."

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 Wilco Finance, Inc.

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainComplaint-derived comparison paths for Wilco Finance, Inc: 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: 7.

4 peers

Similar timely response rate

Nearest companies by CFPB 15-day timely-response %. This record: 85.7%.

4 peers

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 Wilco Finance, Inc (85.7% timely; 14.3% relief). methodology.

Retrieved and formatted by PlainComplaint · vintage June 2026 · Mid-pack CFPB posture