Personal, payday and title loans
Wheels Financial: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 51
- Closed with money back
- 0
- 2023 to 2025
- 11 to 25
Wheels Financial received 346 complaints from everyone in the window; 51 carried the servicemember tag. The complaints are mostly about payday loan, title loan, personal loan, or advance loan, and the single most common issue is "Charged fees or interest you didn't expect". 0 of the 51 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 11 in 2023 to 25 in 2025.
What the complaints are about
By product
| Payday loan, title loan, personal loan, or advance loan | 18 |
| Credit reporting or other personal consumer reports | 15 |
| Vehicle loan or lease | 8 |
| Debt collection | 5 |
| Payday loan, title loan, or personal loan | 5 |
By issue
| Charged fees or interest you didn't expect | 11 |
| Incorrect information on your report | 7 |
| Improper use of your report | 6 |
| Repossession | 6 |
| Struggling to pay your loan | 5 |
| 2023: 11 | 2024: 15 | 2025: 25 |
Which accounts, specifically
| Title loan | 25 |
| Credit reporting | 15 |
| Loan | 8 |
| Auto debt | 3 |
| I do not know | 3 |
What went wrong, specifically
| Reporting company used your report improperly | 4 |
| Account information incorrect | 4 |
| Their investigation did not fix an error on your report | 3 |
| Debt was result of identity theft | 3 |
| Information belongs to someone else | 2 |
Busiest month: April 2025, with 7 servicemember complaints. Most were submitted by web.
Most complaints came from TX (13), CA (12), VA (7) , then TN, FL, NC.
How Wheels Financial answered
| Closed with explanation | 51 |
Wheels Financial responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company believes it acted appropriately as authorized by contract or law" (11). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Vehicle loan or lease; Struggling to pay your loan. TN, 2024-08-03. Outcome: Closed with explanation. Complaint 9701288
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Payday loan, title loan, personal loan, or advance loan; Charged fees or interest you didn't expect. TN, 2024-06-17. Outcome: Closed with explanation. Complaint 9283722
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Payday loan, title loan, personal loan, or advance loan; Vehicle was repossessed or sold the vehicle. FL, 2024-06-01. Outcome: Closed with explanation. Complaint 9155059
If this is your problem at Wheels Financial
"Charged fees or interest you didn't expect" is the kind of dispute the SCRA's 6% cap settles for pre-service debt: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with personal, payday and title loans peers
- American First Finance 51 servicemember complaints; 9 with money back
- LendingPoint 56 servicemember complaints; 4 with money back
- Sop Pioneer Partners 43 servicemember complaints; 0 with money back
- Greensky Operations 61 servicemember complaints; 1 with money back
- Credit Fresh 62 servicemember complaints; 0 with money back
Next in the directory by volume: Hsbc North America, Phoenix Financial Services, RoundPoint Mortgage Servicing.
Frequently asked questions
How many complaints did servicemembers file against Wheels Financial?
51 complaints tagged servicemember were received by the CFPB about WHEELS FINANCIAL GROUP, LLC. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 11 in 2023 to 25 in 2025.
What do servicemembers complain about most at Wheels Financial?
Payday loan, title loan, personal loan, or advance loan accounts for 18 of the 51 complaints, and the most common issue is "Charged fees or interest you didn't expect" (11). Next: "Incorrect information on your report" (7).
Does Wheels Financial give money back when a servicemember complains?
0 of the 51 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 51 closed with an explanation only. Wheels Financial answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.