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

CFPB complaint data Grade C 117 complaints

Wheels Financial Group, LLC. - Debt Collector Complaint Profile

CFPB complaint profile across 21 states, reputation grade C.

Complaints by issue type

What consumers report about Wheels Financial Group, LLC.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 63.3/100 composite

This collector has an average complaint record with moderate complaint volumes and typical response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of C: Wheels Financial Group, LLC. ranks ahead of 54% of the 5,283 collectors PlainCollector grades - 46% keep a cleaner CFPB record, on 117 all-time complaints and a 100% timely-response rate.

54th pct
reputation rank of 5,283 graded collectors
117
CFPB complaints, all-time
100%
answered inside the CFPB window
22
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Wheels Financial Group, LLC.?

Wheels Financial Group, LLC. has accumulated 117 total CFPB complaints across 21 states, with 22 filed in the most recent 12 months against 95 historical complaints before that window. The trailing-12-month volume represents 18.8% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt was result of identity theft". The company posts a 100% timely-response rate against a 9% consumer-dispute-after-response rate.

Complaints have been recorded across 21 states, led by California with 65 and Florida with 6. Normalized against the full CFPB collector database, the reputation score of 63.3/100 places Wheels Financial Group, LLC. in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

117

mid-volume (CCDB)

Last 12 months

22

18.8% of all-time complaints

Stable →

States active

21

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

9%

low (vertical avg ~19%)

Reputation grade

C

63.3/100 composite

How does Wheels Financial Group, LLC.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

63 54th percentile higher than 54% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). Below this entry. 60–70: 1,364 graded collectors (26%). This entry sits in this band. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Wheels Financial Group, LLC. versus the debt-collection vertical average.

Timely response within SLA 100.0%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 9.1%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 37.5%

Share of US states + territories with at least one filed complaint against this collector.

How does Wheels Financial Group, LLC. compare to its peers?

How does WHEELS FINANCIAL GROUP, LLC. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
WHEELS FINANCIAL GROUP… National average
Complaints (last 12 mo)lower is better
22
0
268
Timely-response ratehigher is better
100%
97%
91%
Consumer-dispute ratelower is better
9%
22%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-02 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Attempts to collect debt not owed - 48
Took or threatened to take negative or legal action - 17
False statements or representation - 15
Communication tactics - 11
Written notification about debt - 7
Cont'd attempts collect debt not owed - 7
Improper contact or sharing of info - 4
Taking/threatening an illegal action - 4
Threatened to contact someone or share information improperly - 3
Electronic communications - 1

Where do complaints against Wheels Financial Group, LLC. come from?

Wheels Financial Group, LLC.'s own per-state count, not a national baseline.

Top states by complaints against Wheels Financial Group, LLC.

Across 21 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Wheels Financial Group, LLC. contacts you

A grade of C signals how Wheels Financial Group, LLC.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Wheels Financial Group, LLC. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Wheels Financial Group, LLC. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Wheels Financial Group, LLC.? ▼

The most common issue consumers report about Wheels Financial Group, LLC. is "Attempts to collect debt not owed", specifically "Debt was result of identity theft". This is based on 117 complaints filed with the CFPB.

Are complaints against Wheels Financial Group, LLC. increasing or decreasing? ▼

Complaints against Wheels Financial Group, LLC. have been stable. The company received 22 complaints in the last 12 months.

What is Wheels Financial Group, LLC.'s reputation grade? ▼

Wheels Financial Group, LLC. has a reputation grade of C (score: 63.3/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Wheels Financial Group, LLC. respond to consumer complaints? ▼

Wheels Financial Group, LLC. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 9% of cases.

In how many states does Wheels Financial Group, LLC. operate? ▼

Wheels Financial Group, LLC. has received CFPB complaints from consumers in 21 states, with the most complaints from California (65 complaints).

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

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.