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

CFPB complaint data Grade C 162 complaints

WLCC - Debt Collector Complaint Profile

CFPB complaint profile across 34 states, reputation grade C.

Complaints by issue type

What consumers report about WLCC

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

C

Grade C · 62.8/100 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: WLCC ranks ahead of 52% of the 5,283 collectors PlainCollector grades - 48% keep a cleaner CFPB record, on 162 all-time complaints and a 100% timely-response rate.

52nd pct
reputation rank of 5,283 graded collectors
162
CFPB complaints, all-time
100%
answered inside the CFPB window
46
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 WLCC?

WLCC has accumulated 162 total CFPB complaints across 34 states, with 46 filed in the most recent 12 months against 116 historical complaints before that window. The trailing-12-month volume represents 28.4% 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 "Threatened to contact someone or share information improperly", narrowing to "Contacted your employer". The company posts a 100% timely-response rate against a 8% consumer-dispute-after-response rate.

Complaints have been recorded across 34 states, led by California with 34 and Florida with 21. Normalized against the full CFPB collector database, the reputation score of 62.8/100 places WLCC in grade band C.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

162

mid-volume (CCDB)

Last 12 months

46

28.4% of all-time complaints

Stable →

States active

34

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

8%

low (vertical avg ~19%)

Reputation grade

C

62.8/100 composite

How does WLCC's reputation rank nationally?

Reputation score vs. every graded collector

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

63 52nd percentile higher than 52% 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

WLCC 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) 8.3%
Vertical avg

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

State coverage breadth 60.7%

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

How does WLCC compare to its peers?

How does WLCC compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
WLCC National average
Complaints (last 12 mo)lower is better
46
0
268
Timely-response ratehigher is better
100%
100%
91%
Consumer-dispute ratelower is better
8%
14%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-01 2026-03

Issue Detail Breakdown

Issue Sub-Issue Complaints
Threatened to contact someone or share information improperly - 45
Communication tactics - 34
Attempts to collect debt not owed - 31
Took or threatened to take negative or legal action - 15
False statements or representation - 12
Written notification about debt - 11
Electronic communications - 10
Cont'd attempts collect debt not owed - 1
Disclosure verification of debt - 1
Improper contact or sharing of info - 1

Where do complaints against WLCC come from?

WLCC's own per-state count, not a national baseline.

Top states by complaints against WLCC

Across 34 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if WLCC contacts you

A grade of C signals how WLCC'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 WLCC 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 WLCC 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 WLCC? ▼

The most common issue consumers report about WLCC is "Threatened to contact someone or share information improperly", specifically "Contacted your employer". This is based on 162 complaints filed with the CFPB.

Are complaints against WLCC increasing or decreasing? ▼

Complaints against WLCC have been stable. The company received 46 complaints in the last 12 months.

What is WLCC's reputation grade? ▼

WLCC has a reputation grade of C (score: 62.8/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does WLCC respond to consumer complaints? ▼

WLCC has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 8% of cases.

In how many states does WLCC operate? ▼

WLCC has received CFPB complaints from consumers in 34 states, with the most complaints from California (34 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.