Total CFPB complaints
4
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 4 complaints
Wise Finance, LLC — Debt Collector Complaint Profile
CFPB complaint profile across 2 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Wise Finance, LLC
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
1 complaints
- False statements or representation
False statements or representation
1 complaints
- Improper contact or sharing of info
Improper contact or sharing of info
1 complaints
- Threatened to contact someone or share information improperly
Threatened to contact someone or share information improperly
1 complaints
C
Grade C · 63.3/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Wise Finance, LLC?
Wise Finance, LLC has accumulated 4 total CFPB complaints across 2 states, with 2 filed in the most recent 12 months against 2 historical complaints before that window. The trailing-12-month volume represents 50.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Took or threatened to take negative or legal action", narrowing to "Threatened or suggested your credit would be damaged", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 75% timely-response rate against a 50% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 2 states, led by Illinois with 3 and Michigan with 1, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 63.3/100 places Wise Finance, LLC in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
2
50.0% of total history
Rising ↑
States active
2
Distinct state filings
Timely response rate
75%
Within CFPB SLA window
Consumer disputes
50%
After company response
Reputation grade
C
63.3/100 composite
Response-quality profile
How Wise Finance, LLC performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 75.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 100.0%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 3.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Wise Finance, LLC compare to its peers?
Wise Finance, LLC National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2015-11 2026-02
Top Consumer Issues
Took or threatened to take negative or legal action1 (%)
False statements or representation1 (%)
Improper contact or sharing of info1 (%)
Threatened to contact someone or share information improperly1 (%)
Most common issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
| False statements or representation | Attempted to collect wrong amount | 1 |
| Improper contact or sharing of info | Talked to a third party about my debt | 1 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 1 |
Where do complaints against Wise Finance, LLC come from?
The states where consumers have filed the most CFPB complaints against Wise Finance, LLC. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Wise Finance, LLC
Across 2 states with at least one filing
- Illinois
Illinois
3 complaints
- Michigan 1
Michigan
1 complaints
Frequently Asked Questions
What is the most common complaint against Wise Finance, LLC? ▼
The most common issue consumers report about Wise Finance, LLC 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 Wise Finance, LLC increasing or decreasing? ▼
Complaints against Wise Finance, LLC are rising. The company received 2 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is Wise Finance, LLC's reputation grade? ▼
Wise Finance, LLC has a reputation grade of C (score: 63.3/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Wise Finance, LLC respond to consumer complaints? ▼
Wise Finance, LLC has a 75% timely response rate to CFPB complaints. Consumers disputed the company's response in 50% of cases.
In how many states does Wise Finance, LLC operate? ▼
Wise Finance, LLC has received CFPB complaints from consumers in 2 states, with the most complaints from Illinois (3 complaints).
What can I do if Wise Finance, LLC is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Wise Finance, LLC violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |