CFPB · Narrative-heavy record
Wlcc
715 CFPB complaints · 57.9% with narratives · top issue Charged fees or interest you didn't expect.
Wlcc: 57.9% of 715 filings include consumer narratives. Timely 99.4% · relief 9.9% · top product Payday loan, title loan, personal loan, or advance loan. Allegations, not findings.
- Narrative-heavy record
- +10700% filings 2014 to 2026
CFPB relief outcome brief
CCDB company wlcc
9.9% relief · 99.4% timely · 715 filings · Payday loan, title loan, personal loan, or advance loan
Same-product relief peers
Nearest relief peer: PatientFi, Inc. (10.3% relief)
Wlcc closes 9.9% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Wlcc's 715 filings include narrative text
57.9% 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.
Wlcc complaint mix by product
- Payday loan, 273 38.6% – 0% relief
- Payday loan, 204 28.8% – 12% relief
- Debt collection 161 22.7% – 9% relief
- Payday loan 39 5.5% – 64% relief
- Credit reporting 18 2.5% – 0% relief
- Checking or 7 1.0% – 0% relief
- Consumer Loan 6 0.8% – 100% relief
How Wlcc's 715 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 | 273 |
| Payday loan, title loan, or personal loan | 204 |
| Debt collection | 161 |
| Payday loan | 39 |
| Credit reporting or other personal consumer reports | 18 |
| Checking or savings account | 7 |
| Consumer Loan | 6 |
| Credit reporting, credit repair services, or other personal consumer reports | 4 |
| Money transfer, virtual currency, or money service | 2 |
| Credit card | 1 |
Nationwide filing states for Wlcc
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 19.3% of this company's filings
Wlcc rising annual filings
Annual filing volume from the CFPB public database
- 2026
- 108
- +10700% vs 2014
Top States
| State | Complaints |
|---|---|
| CA | 138 |
| FL | 83 |
| OH | 46 |
| WA | 40 |
| TX | 35 |
| MI | 35 |
| IL | 23 |
| IN | 20 |
| NJ | 19 |
| AZ | 18 |
| OK | 17 |
| SC | 16 |
| CO | 14 |
| GA | 14 |
| PA | 13 |
| MN | 13 |
| NV | 13 |
| IA | 12 |
| LA | 12 |
| MS | 12 |
Top Issues
| Issue | Complaints |
|---|---|
| Charged fees or interest you didn't expect | 138 |
| Struggling to pay your loan | 110 |
| Can't stop withdrawals from your bank account | 57 |
| Threatened to contact someone or share information improperly | 45 |
| Problem when making payments | 39 |
| Communication tactics | 34 |
| Attempts to collect debt not owed | 31 |
| Received a loan you didn't apply for | 27 |
| Charged fees or interest I didn't expect | 25 |
| Getting the loan | 21 |
| Can't contact lender or servicer | 21 |
| Problem with the payoff process at the end of the loan | 20 |
| Money was taken from your bank account on the wrong day or for the wrong amount | 19 |
| Took or threatened to take negative or legal action | 15 |
| False statements or representation | 12 |
| Written notification about debt | 11 |
| Improper use of your report | 10 |
| Incorrect information on your report | 9 |
| Was approved for a loan, but didn't receive the money | 9 |
| Electronic communications | 9 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2014 | 1 | 100% |
| 2015 | 22 | 100% |
| 2016 | 29 | 100% |
| 2017 | 28 | 100% |
| 2018 | 36 | 100% |
| 2019 | 49 | 100% |
| 2020 | 47 | 100% |
| 2021 | 48 | 100% |
| 2022 | 38 | 100% |
| 2023 | 87 | 100% |
| 2024 | 76 | 98.7% |
| 2025 | 146 | 99.3% |
| 2026 | 108 | 98.1% |
Source: CFPB Consumer Complaint Database
Wlcc's narrative-rich complaint ledger
Wlcc's 715 logged complaints reach a nationwide footprint - 46 states have at least one filing. 57.9% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2014 through 2026-06-25.
Wlcc answers 99.4% of complaints inside the CFPB's tracked window and closes 89.1% with a written explanation. 9.9% 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 Wlcc.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Wlcc: 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: 715.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 99.4%.
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 Wlcc (99.4% timely; 9.9% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record