We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Title Loans

Wilshire Consumer Credit

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Title Loans.

Complaints

Customer Complaints Summary

  • 127 total complaints in the last 3 years.
  • 43 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Sort by

Complaint status

Complaint type

  • Initial Complaint

    Date:03/21/2024

    Type:Billing Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Title loan to my 2009 350Z with Wilshire Consumer Credit account #******** was paid off 1/18/2024.Release of lien sent to DMV 1/28/2024 PER ****** SERVICE WHERE MY PINK SLIP? Where is my title to my car.Spoke with ***************** today. She is great help.She spoke with the title department. They say my title is being held because I am refinancing. I told her Im not refinancing my car. Apparently someone is trying to take a loan out on my car without my knowledge or permission.I will filing a police report with the ************* tomorrow.

    Business Response

    Date: 04/01/2024

    Thank you for bringing this matter to our attention. Wilshire Consumer Credit (Wilshire) values its customers and takes each complaint seriously as an opportunity to assist and service customers more effectively. Wilshire has reviewed the customers concerns and has responded directly to our customer and the ********************, in writing.  Should the customer have additional questions or concerns, he or she may reach Wilshire directly at the contact information provided in the written response. 

    Customer Answer

    Date: 04/02/2024

     
    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

    Sincerely,

    ***************************

  • Initial Complaint

    Date:01/04/2024

    Type:Sales and Advertising Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    They approved a fraudulent car loan that someone took out under my son's name and repossessed my son's car after non payment. My son never received any notice from them because he didn't take out the loan. The *** ruled the loan fraudulent when they discovered that my son's car had 2 titles and the most recent title signature didn't match the original title which he has and never reported lost.

    Business Response

    Date: 01/04/2024

    Good afternoon,

    Unfortunately you are not a signed on the account therefore we cannot provide you with any information. Please have the borrower file the complaint. 

  • Initial Complaint

    Date:11/24/2023

    Type:Sales and Advertising Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I would like the company to update my application from a "decision issued" to "Application Withdrawn by Consumer" per Section ****** CFPB (Consumer ***************************** Application #- ********. I had a pending loan application with the company, and more information was requested from the lender. While the decision was still pending, I expressly withdrew my application sent via email to *****************************. ******************** acknowledged my withdraw request on 11/09/2023, a day later on 11/10/2023, a Denial letter was issued. Per ******, I have a right to withdraw an application pending a decision.

  • Initial Complaint

    Date:02/23/2023

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I purchased a solar system through shine solar and before I did I was told no lein would be put on my property Wilshire put a wcc1 lein on my property if I would have known this I would not have got the system. And now they won't do a subordination release for 30 days so I can refinance my home and everyone I talked to through the process new I was refinancing my home this summer. And to make things worse is they don't even have my loan anymore Enium Capital does but Wilshire still has the say if the will honor the subordination request don't do business with these people. I m even willing to pay 2 months in advance so everyone gets their money but it brings me back to the question why do they get to say no when they don't even hold my loan anymore

    Business Response

    Date: 03/14/2023

    We are unable to locate an account for you. Please provide your account number or additional information so that we may locate your account (phone or email address associated with you account, last 6 of VIN, full correct name associated with account or FULL social security number. 

  • Initial Complaint

    Date:01/18/2023

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    see attached

    Business Response

    Date: 01/19/2023

    Thank you for bringing this matter to our attention. Wilshire Consumer Credit ("Wilshire") values its customers and takes each complaint seriously as an opportunity to assist and service customers more effectively. Wilshire has reviewed the customer's concerns and has responded directly to our customer and the ********************, in writing. Should the customer have additional questions or concerns, he or she may reach Wilshire directly at the contact information provided in the written response.
    See Attachment/File: Complaint

  • Initial Complaint

    Date:12/10/2022

    Type:Customer Service Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I have tried since Nov 8th, 2022 to get Wilshire Consumer Credit to provide me a Payoff Settlement ***** XXXXXXXX), suggested and promised by Customer Service Representative ***** ******* (extension XXXXX) only to be given a complete run-around by not only ***** but his supposedly "supervisors" and other customer service representatives. I have been promised email confirmations and return phone calls and as of today, Dec. 10th, absolutely no resolution to my concern. I have made phone calls no less than twice a week requesting information and have gotten nothing. My payments on the loan have been postponed until a resolution is provided and now leading me 2 months in arrears, and now creating late fee's that I should not be responsible for as they have created the late fee's by not providing information requested and promised by Mr. ******** I feel like this company is a scam and making every effort to have me default on the loan therefore providing them with leverage to repossess my vehicle. All I have requested is to allow me to repay them the ***** I borrowed from them in Feb, 2022. I am not seeking any refund in interest or administration fee's or payments that I have made since the acquisition of the loan. Simply to pay them in full only what I borrowed. For some reason they are hesitant to take my funds.

    Business Response

    Date: 01/11/2023

    Business Response /* (1000, 5, 2022/12/23) */ Thank you for bringing this matter to our attention. Wilshire Consumer Credit ("Wilshire") values its customers and takes each complaint seriously as an opportunity to assist and service customers more effectively. Wilshire has reviewed the customer's concerns and has responded directly to our customer ************ in writing. Should the customer have additional questions or concerns, he or she may reach Wilshire directly at the contact information provided in the written response.

  • Initial Complaint

    Date:12/02/2022

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I took out a loan on my vehicle back in the end of 2021. It was a $2000 loan on top of my vehicle loan. Which came to a total of like $6000. I statutes making payments on it. I'm Feb 2022 I made a $3400 payment towards the loan which should have left me with about $3400 owed left on the car. In October I realized that the payment i made didn't go to the entire bill but was broken down into monthly payment which it was explained to me that this would bring my total amount down to $3400 odd dollars. My interest rate went up and also my monthly installment. They are asking me to pay $521 for the month of December. Which is almost my rent amount. After being transferred and talked to so many people they still haven't answered my questions about my bill or statements. Which by the way I didn't get a statement for October. I have been trying to refinance my vehicle just so I can get the monthly payment down. They also said they were going to refinance my vehicle but when they transfer me I always hang up on me or I'm waiting on hold for a long time. All my payments are going to majority of the interest and not the principal. Also my income has dropped and it's hard to afford $521 a month. When asked what the breakdown is all i get is fees but never what the principal or monthly cost of the loan. Please someone help. I can't afford to lose my car with three children under 5. I can't afford to lose a roof over there head because I have to pay my car loan before my rent. I just need some answers and help. Currently I owe over a little $6000 for this loan and it doesn't make sense. It seems like no matter how much I pay the balance isn't going down.

    Business Response

    Date: 12/14/2022

    Thank you for bringing this matter to our attention. Wilshire Consumer Credit ("Wilshire") values its customers and takes each complaint seriously as an opportunity to assist and service customers more effectively. Wilshire has reviewed the customer's concerns and has responded directly to our customer and the ********************, in writing. Should the customer have additional questions or concerns, he or she may reach Wilshire directly at the contact information provided in the written response.
    See Attachment/File: BBB Complaint

  • Initial Complaint

    Date:12/02/2022

    Type:Delivery Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I took out a title loan with this company. The car got repo on Nov 27. I was given the amount of money to pay by money gram to get the vehicle back. I paid all fees on Nov 28th. After calling with reference # for payment as instructed. They were to fax,call,or email the tow company to release the vehicle. I keep calling the tow company to make arrangements to pick up vehicle 4days today the tow company say they haven't been authorized to release but 3 associates have told me that it has been released on Wilshire end. I still have no car and I have been paying for a ride to work. Unfortunately my circumstances got me here but I think this company has not done what it should have done to get my car released after I paid the fee and I'm still paying because I have to get to work. Please help me resolve this issue.

    Business Response

    Date: 12/22/2022

    Thank you for bringing this matter to our attention. Wilshire Consumer Credit ("Wilshire") values its customers and takes each complaint seriously as an opportunity to assist and service customers more effectively. Wilshire has reviewed the customer's concerns and has responded directly to our customer and the ********************, in writing. Should the customer have additional questions or concerns, he or she may reach Wilshire directly at the contact information provided in the written response.
    See Attachment/File: ******** - ************************* - Response.pdf

  • Initial Complaint

    Date:11/27/2022

    Type:Delivery Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I WAS BEHIND ON MY LOAN PAYMENT AND THEY REPOED MY CAR NOW IT'S BEEN 5 DAYS AND THEY HAVEN'T RELEASE MY CAR YET.. I PAID THE AMOUNT THAT WAS REQUESTED AND NOW THEIR SAYING THEY DON'T SEE THAT I MADE A PAYMENT BUT I GAVE THEM THE CONFIRMATION NUMBER PROVIDED BY MONEY GRAM.. THEY SAID WAIT 48 HOURS IT BEEN THAT.. I PAID THE AMOUNT FOR THE CAR SO WHY MY CAR IS NOT RELEASE AFTER 5 DAYS??? MY NEXT STEP MONDAY MORNING IS THE NEWS STATION.. I'M GOING STRAIGHT TO THE NEWS WITH THIS ONE..

    Business Response

    Date: 01/23/2023

    Business Response /* (1000, 5, 2023/01/06) */ Thank you for bringing this matter to our attention. Wilshire Consumer Credit ("Wilshire") values its customers and takes each complaint seriously as an opportunity to assist and service customers more effectively. Wilshire has reviewed the customer's concerns and has responded directly to our customer and the ***, in writing. Should the customer have additional questions or concerns, he or she may reach Wilshire directly at the contact information provided in the written response.

  • Initial Complaint

    Date:11/25/2022

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Vehicle was repossessed next day all payments where made to claim the vehicle. Once it was time for vehicle to be released they had excuses as to why the release hasn't been sent and saying they would send it just for the company that towed my vehicle to say they never received anything from them the day I was suppose to pick up the vehicle which was 3 days later.

    Business Response

    Date: 12/14/2022

    Thank you for bringing this matter to our attention. Wilshire Consumer Credit ("Wilshire") values its customers and takes each complaint seriously as an opportunity to assist and service customers more effectively. Wilshire has reviewed the customer's concerns and has responded directly to our customer and the ********************, in writing. Should the customer have additional questions or concerns, he or she may reach Wilshire directly at the contact information provided in the written response.
    See Attachment/File: ******** - *********************** - Response.pdf

Wilshire Consumer Credit is NOT a BBB Accredited Business.

To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

Why choose a BBB Accredited Business?

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.