CFPB Consumer Complaint Profile
Payward Ventures Inc. dba Kraken
Consumers have filed 508 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 508
- Total complaints
- Above average
- 192
- Last 12 months
- 96.9%
- Timely response
- Below median
- 48
- States affected
The verdict
508 CFPB complaints put Payward Ventures Inc. dba Kraken at #506 out of 3,843 financial companies ranked by complaint volume. It posts a 96.9% on-time response rate, the 39th percentile among companies with 100+ complaints.
- #506
- of 3,843 companies by volume
- 96.9%
- on time (39th pctile)
- Money transfer, virt…
- most-complained product
- 48
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Payward Ventures Inc. dba Kraken vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
96.9% Around the middle higher than 39% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 105 in 2024 to 177 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2017 | 5 |
| 2018 | 21 |
| 2019 | 4 |
| 2020 | 27 |
| 2021 | 50 |
| 2022 | 29 |
| 2023 | 52 |
| 2024 | 105 |
| 2025 | 177 |
| 2026year in progress | 38 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Payward Ventures Inc. dba Kraken
Payward Ventures Inc. dba Kraken carries 508 complaints in the CFPB's database, 192 of them filed within the past 12 months. Consumers spanning 48 states and territories have weighed in, giving this a nationwide footprint. "Money transfer, virtual currency, or money service" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Within that category, the most frequently cited specific issue is "Fraud or scam" - a useful starting point for anyone trying to understand what goes wrong most often in the company's consumer interactions.
Payward Ventures Inc. dba Kraken's timely response rate stands at 96.9%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is at or above benchmark levels, a sign the company handles intake and escalation well. Among resolved complaints, 0% closed with some form of monetary or non-monetary relief to the consumer.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Payward Ventures Inc. dba Kraken have?
The CFPB has logged 508 complaints against Payward Ventures Inc. dba Kraken to date, of which 192 came in over the last 12 months.
Does Payward Ventures Inc. dba Kraken respond to complaints on time?
Payward Ventures Inc. dba Kraken's CFPB timely-response rate is 96.9%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Payward Ventures Inc. dba Kraken?
Among all products tied to Payward Ventures Inc. dba Kraken, "Money transfer, virtual currency, or money service" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Payward Ventures Inc. dba Kraken?
The most common issue reported by consumers about Payward Ventures Inc. dba Kraken is "Fraud or scam." All complaint issues are listed above with their counts.
How do I file a complaint against Payward Ventures Inc. dba Kraken?
You can file a complaint against Payward Ventures Inc. dba Kraken directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Payward Ventures Inc. dba Kraken?
Consumers in 48 states and territories have filed complaints about Payward Ventures Inc. dba Kraken with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Also handles Money transfer, virtual currency, or money service
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Payward Ventures Inc. dba Kraken have?
The CFPB has logged 508 complaints against Payward Ventures Inc. dba Kraken to date, of which 192 came in over the last 12 months.
Does Payward Ventures Inc. dba Kraken respond to complaints on time?
Payward Ventures Inc. dba Kraken's CFPB timely-response rate is 96.9%. That puts it among the more responsive companies in the CFPB dataset.
What product generates the most complaints for Payward Ventures Inc. dba Kraken?
Among all products tied to Payward Ventures Inc. dba Kraken, "Money transfer, virtual currency, or money service" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with Payward Ventures Inc. dba Kraken?
The most common issue reported by consumers about Payward Ventures Inc. dba Kraken is "Fraud or scam." All complaint issues are listed above with their counts.
How do I file a complaint against Payward Ventures Inc. dba Kraken?
You can file a complaint against Payward Ventures Inc. dba Kraken directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Payward Ventures Inc. dba Kraken?
Consumers in 48 states and territories have filed complaints about Payward Ventures Inc. dba Kraken with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.