What is the most common complaint against Wilco Finance, Inc?

The most common issue consumers report about Wilco Finance, Inc is "Took or threatened to take negative or legal action", specifically "Threatened or suggested your credit would be damaged". This is based on 4 complaints filed with the CFPB.

Are complaints against Wilco Finance, Inc increasing or decreasing?

Complaints against Wilco Finance, Inc are rising. The company received 4 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Wilco Finance, Inc's reputation grade?

Wilco Finance, Inc has a reputation grade of C (score: 57.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Wilco Finance, Inc respond to consumer complaints?

Wilco Finance, Inc has a 67% timely response rate to CFPB complaints.

In how many states does Wilco Finance, Inc operate?

Wilco Finance, Inc has received CFPB complaints from consumers in 1 states, with the most complaints from North Carolina (4 complaints).

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

Wilco Finance, Inc - Debt Collector Complaint Profile

CFPB complaint profile across 1 states, reputation grade C.

Compiled by PlainCollector

Took or threatened to take negative or legal action

4

Data updated September 2026

CFPB complaint disposition

CCDB record wilco-finance-inc Wilco Finance, Inc

Grade C · 4 CFPB filings · 67% timely · lead issue: Took or threatened to take negative or legal action · vol #3538 · compose #2732

VOL 4
GRADE C
12MO 4
STATES 1
TIMELY 67%
ISSUE Took or threatened to take…
RANK #3,538
COMPOSE #2,732

Volume peers

Nearest volume peer: 90 Day Credit Experts (4 complaints)

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

Wilco Finance, Inc's 4 CFPB complaints sit next to 90 Day Credit Experts 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

100.0% of Wilco Finance, Inc's CFPB filings land in North Carolina

High volume does not equal a clean composite: Wilco Finance, Inc is volume #3,538 but composite #2,732, while North Carolina dominates the geography. Corpus placement method.

Dominant state: North Carolina 100.0%; 4 of 4 filings · 1 states touched
Spike month: 2026-02 100.0%; 1 filings that month · spiky (≥15% of series)
Divergent corpus ranks: #3,538 volume; #2,732 composite; Cleanest-composite ladder is 806 places better than volume

How does Wilco Finance, Inc compare to its peers?

How does Wilco Finance, Inc compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

Wilco Finance, Inc National average

Complaints (last 12 mo)lower is better

268

Timely-response ratehigher is better

67%

75%

91%

Consumer-dispute ratelower is better

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2026-02 2026-02

Issue Detail Breakdown

Issue	Complaints
Took or threatened to take negative or legal action	4

Where do complaints against Wilco Finance, Inc come from?

Wilco Finance, Inc's own per-state count, not a national baseline.

North Carolina

4

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Wilco Finance, Inc: 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: 4.

4 peers

Know your rights before responding to Wilco Finance, Inc: 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.