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

CFPB complaint data Grade C 4 complaints

Wise Finance, LLC - Debt Collector Complaint Profile

CFPB complaint profile across 2 states, reputation grade C.

Complaints by issue type

What consumers report about Wise Finance, LLC

complaints
Source CFPB Consumer Complaint Database
Subscribe to complaint changes (RSS)

Data updated September 2026

CFPB complaint disposition

CCDB record wise-finance-llc Wise Finance, LLC

Grade C · 4 CFPB filings · 75% timely · lead issue: Took or threatened to take negative or legal action

  • VOL 4
  • GRADE C
  • 12MO 2
  • STATES 2
  • TIMELY 75%
  • DISPUTE 50%
  • ISSUE Took or threatened to take…
  • RANK #3,540
  • COMPOSE Not ranked

Volume peers

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

90 Day Credit Experts90 Day Credit Experts4A & A North American Financial, LLCA & A North American Financi…4A & S Collection Associates, Inc.A & S Collection Associates,…4Accelerated Receivables Management, Inc.Accelerated Receivables Mana…4Wise Finance, LLC (this)Wise Finance, LLC (this)4
CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Wise Finance, LLC'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 →

How the 4 complaints break down

Every complaint issue type on record for Wise Finance, LLC, not just the top ones shown above.

Reputation score breakdown

C
Composite reputation score
60.7/100
Wise Finance, LLC

Blends complaint volume, timely-response rate, dispute rate, and recent trend from the CFPB Consumer Complaint Database into one comparable 0-100 score. Not an official CFPB rating and not a finding of wrongdoing — see methodology for the exact formula.

Complaint volume B
4
Fewer complaints relative to graded peers scores higher; volume reflects footprint as much as conduct.
Timely response B
75%
Share of complaints answered inside the CFPB’s 15-day window.
Dispute rate C
50%
Share of company responses the consumer disputed as inadequate; lower is better.
Recent trend D
Rising
Whether the last 12 months of complaints are rising, stable, or falling vs the prior period.

State-heavy filing map

75.0% of Wise Finance, LLC's CFPB filings land in Illinois

Concentration is computed from this collector's company_states rows only, not a national baseline. Corpus placement method.

Dominant state
Illinois 75.0%
3 of 4 filings · 2 states touched
Spike month
2026-02 33.3%
2 filings that month · spiky (≥15% of series)
Corpus ranks
#3,540 volume
Composite not ranked (fewer than 200 complaints)
Volume rank among 5,420 collectors

How does Wise Finance, LLC compare to its peers?

How does Wise Finance, LLC compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count
Wise Finance, LLC National average
Complaints (last 12 mo)lower is better
2
1
268
Timely-response ratehigher is better
75%
25%
91%
Consumer-dispute ratelower is better
50%
0%
19%

Source: CFPB Consumer Complaint Database.

Response speed vs. dispute rate, among similar-volume collectors

Timely response and dispute rate track only weakly together nationally (r=0.22 among collectors with 5+ complaints): answering promptly does not reliably buy Wise Finance, LLC a lower dispute rate.

Source: CFPB Consumer Complaint Database 2×2 strategic matrix plotting 7 entities by Timely response rate (%) (X) and Dispute rate (%) (Y), with a crosshair dividing the plot into four quadrants. Responsive but disputedSlow & disputedResponsive & trustedSlow but undisputed 0%20%40%60%80% 0%20%40%60% Timely response rate (%) Dispute rate (%) Wise Finance, LLC vs. 6 similar-volume peers, by response speed and dispute rate Wise Finance, LLCWilliamson and Brown, LLCZOA, LLCWhipple Law, P.A.Zingo Cash Illinois LLCWest Bay Recovery, Inc.Weinstock, Friedman, & Friedman, P.A.
Source: CFPB Consumer Complaint Database

Wise Finance, LLC's complaint volume in context

Wise Finance, LLC vs all collectors by complaint volume

Where this collector's total CFPB complaint count sits among every tracked debt collector (volume, not a quality ranking)

4 35th percentile higher than 35% of 5,420 collectors

0–20: 3,504 collectors (65%). This entry sits in this band. 20–40: 565 collectors (10%). Above this entry. 40–60: 260 collectors (5%). Above this entry. 60–80: 163 collectors (3%). Above this entry. 80–100: 112 collectors (2%). Above this entry. 100–120: 63 collectors (1%). Above this entry. 120–140: 67 collectors (1%). Above this entry. 140–160: 53 collectors (1%). Above this entry. 160–180: 42 collectors (1%). Above this entry. 180–200: 55 collectors (1%). Above this entry. 200–220: 536 collectors (10%). Above this entry. Wise Finance, LLC 0 220 tracked debt collectors, bucketed by value

Each bar is a band; taller bars hold more 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 CFPB Consumer Complaint Database · September 2026

Complaint Trend (24 months)

Rising ↑
2025-05 2026-02

Issue Detail Breakdown

Issue Complaints
Took or threatened to take negative or legal action
1
False statements or representation
1
Threatened to contact someone or share information improperly
1
Improper contact or sharing of info
1

Where do complaints against Wise Finance, LLC come from?

Wise Finance, LLC's own per-state count, not a national baseline.

Top states by complaints against Wise Finance, LLC

Across 2 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Wise Finance, LLC: 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 Wise Finance, LLC: 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.