Consumer complaint received 2026-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I am a covered military dependent spouse of a XXXX XXXX XXXX servicemember who has served continuously since XXXX. I took out XXXX title loans through XXXX serviced by XXXX XXXX XXXX Loan XXXX was originated in XX/XX/XXXX. The lender 's own XXXX Notice documents the interest rate at 75 % annually more than double the 36 % Military Annual Percentage Rate cap required under the Military Lending Act. No XXXX disclosure was provided at origination. No inquiry about military status was made during the online application process. Loan XXXX was originated in XX/XX/XXXX as a XXXX product serviced by XXXX for XXXX XXXX XXXX. Monthly payments of approximately {$2000.00} on an original balance of approximately {$30000.00}. Despite payments in excess of {$24000.00} made to date the current balance is higher than the original loan amount. No XXXX disclosure was provided at origination. No inquiry about military status was made during the online application process. In XX/XX/XXXX I notified XXXX of my husband 's active-duty status and requested XXXX protections XXXX Multiple LoanMart employees were copied on this correspondence including the XXXX of XXXX, a XXXX XXXX, and collections staff all of whom had written knowledge of my military dependent status. In a response dated XX/XX/XXXX, XXXX 's XXXX of XXXX XXXX XXXX XXXX confirmed that XXXX queried the official Department XXXX XXXX XXXX XXXX XXXX database regarding my husband 's military service and confirmed his XXXX XXXX XXXX. Despite using the official XXXX database to verify my husband 's military status and confirm my status as a military dependent, no XXXX review was ever conducted, no XXXX disclosure was ever provided, and collection activity including repossession threats continued. XXXX XXXX is a credentialed XXXX XXXX XXXX XXXX. His written confirmation that XXXX accessed the XXXX XXXX database the exact database required for XXXX XXXX while simultaneously failing to conduct any XXXX analysis represents willful violation of federal law by a credentialed compliance professional. XXXX 's own online portal XXXX XXXX contains XXXX origination documents for either account no loan agreement, no XXXX in XXXX disclosures, no XXXX disclosure, no rate disclosures. A written document request was sent to XXXX on XX/XX/XXXX requesting all origination documents. No response has been received. XXXX has a prior XXXX XXXX consent order involving this same XXXX XXXX Bank XXXX for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX of XXXX XXXX issued a cease and desist against XXXX in XX/XX/XXXX for the same conduct. This complaint represents a continuation of that same documented pattern of violations against a military dependent borrower. I am requesting investigation of XXXX compliance on both accounts, declaration that both loans are void, full refund of all payments made, and removal of all negative credit reporting related to both accounts.

Company response to consumer: Closed with explanation