What is the most common complaint against Bear Claw Lending dba Lucent Cash?

The most common issue consumers report about Bear Claw Lending dba Lucent Cash is "Attempts to collect debt not owed", specifically "Contacted your employer". This is based on 3 complaints filed with the CFPB.

Are complaints against Bear Claw Lending dba Lucent Cash increasing or decreasing?

Complaints against Bear Claw Lending dba Lucent Cash are rising. The company received 3 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Bear Claw Lending dba Lucent Cash's reputation grade?

Bear Claw Lending dba Lucent Cash has a reputation grade of B (score: 71.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Bear Claw Lending dba Lucent Cash respond to consumer complaints?

Bear Claw Lending dba Lucent Cash has a 100% timely response rate to CFPB complaints.

In how many states does Bear Claw Lending dba Lucent Cash operate?

Bear Claw Lending dba Lucent Cash has received CFPB complaints from consumers in 2 states, with the most complaints from California (2 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Bear Claw Lending dba Lucent Cash - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade B.

Compiled by PlainCollector

Attempts to collect debt not owed

1
Threatened to contact someone or share information improperly

1
Electronic communications

1

Data updated September 2026

CFPB complaint disposition

CCDB record bear-claw-lending-dba-lucent-cash Bear Claw Lending dba Lucent Cash

Grade B · 3 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #3582 · compose #1111

VOL 3
GRADE B
12MO 3
STATES 2
TIMELY 100%
ISSUE Attempts to collect debt n…
RANK #3,582
COMPOSE #1,111

Volume peers

Nearest volume peer: 950 Credit Inc (3 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Bear Claw Lending dba Lucent Cash's 3 CFPB complaints sit next to 950 Credit Inc on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

State-heavy filing map

66.7% of Bear Claw Lending dba Lucent Cash's CFPB filings land in California

High volume does not equal a clean composite: Bear Claw Lending dba Lucent Cash is volume #3,582 but composite #1,111, while California dominates the geography. Corpus placement method.

Dominant state: California 66.7%; 2 of 3 filings · 2 states touched
Spike month: 2018-05 20.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,582 volume; #1,111 composite; Cleanest-composite ladder is 2,471 places better than volume

How does Bear Claw Lending dba Lucent Cash compare to its peers?

How does Bear Claw Lending dba Lucent Cash compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Bear Claw Lending dba … National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2018-05 2025-05

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	1
Threatened to contact someone or share information improperly	1
Electronic communications	1

Where do complaints against Bear Claw Lending dba Lucent Cash come from?

Bear Claw Lending dba Lucent Cash's own per-state count, not a national baseline.

California

2
Missouri

1

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Bear Claw Lending dba Lucent Cash: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 3.

4 peers

Know your rights before responding to Bear Claw Lending dba Lucent Cash: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.