CFPB Consumer Complaint Profile
Tidalwave Finance Corporation
What 13 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.
Data updated 2026-08-14
- 13
- Total complaints
- Below average
- 0
- Last 12 months
- 53.8%
- Timely response
- Bottom decile
- 4
- States affected
The verdict
Among 3,843 financial companies tracked by CFPB complaint volume, Tidalwave Finance Corporation sits at #3408, with 13 complaints logged. Its on-time response rate is 53.8%, the 3rd percentile among companies with 100+ complaints.
- #3408
- of 3,843 companies by volume
- 53.8%
- on time (3rd pctile)
- Vehicle loan or lease
- most-complained product
- 4
- 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.
Tidalwave Finance Corporation vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
53.8% Among the lowest higher than 3% 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
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 |
|---|---|
| 2015 | 2 |
| 2016 | 3 |
| 2017 | 2 |
| 2020 | 1 |
| 2021 | 3 |
| 2023 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Tidalwave Finance Corporation
The CFPB Consumer Complaint Database has logged 13 complaints against Tidalwave Finance Corporation overall, with 0 of those filed in the trailing 12 months. Reports have come from consumers in 4 states and territories, making this a geographically concentrated complaint footprint. "Vehicle loan or lease" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Managing the loan or lease" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Tidalwave Finance Corporation's timely response rate stands at 53.8%, meaning that share of CFPB-forwarded complaints received a company reply within the 15-day window the Bureau expects. That is well below the 95% industry benchmark and is a material red flag, late or missing responses are one of the strongest predictors of CFPB supervisory interest. The company's response carried a 0% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. 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 Tidalwave Finance Corporation have?
13 complaints have been filed against Tidalwave Finance Corporation with the CFPB overall - 0 of them in the past year.
Does Tidalwave Finance Corporation respond to complaints on time?
CFPB complaints against Tidalwave Finance Corporation draw a 53.8% timely-response rate inside the expected window. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Tidalwave Finance Corporation?
"Vehicle loan or lease" draws more CFPB complaints against Tidalwave Finance Corporation than any other product - see the full breakdown above.
What is the most common complaint issue with Tidalwave Finance Corporation?
Consumers most often cite "Managing the loan or lease" when complaining about Tidalwave Finance Corporation; the full issue list with counts is above.
How do I file a complaint against Tidalwave Finance Corporation?
You can file a complaint against Tidalwave Finance Corporation 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 Tidalwave Finance Corporation?
The CFPB has recorded complaints against Tidalwave Finance Corporation from 4 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Tidalwave Finance Corporation: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (0% here).
Also handles Vehicle loan or lease
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Tidalwave Finance Corporation have?
13 complaints have been filed against Tidalwave Finance Corporation with the CFPB overall - 0 of them in the past year.
Does Tidalwave Finance Corporation respond to complaints on time?
CFPB complaints against Tidalwave Finance Corporation draw a 53.8% timely-response rate inside the expected window. This is below the typical industry benchmark of 95%.
What product generates the most complaints for Tidalwave Finance Corporation?
"Vehicle loan or lease" draws more CFPB complaints against Tidalwave Finance Corporation than any other product - see the full breakdown above.
What is the most common complaint issue with Tidalwave Finance Corporation?
Consumers most often cite "Managing the loan or lease" when complaining about Tidalwave Finance Corporation; the full issue list with counts is above.
How do I file a complaint against Tidalwave Finance Corporation?
You can file a complaint against Tidalwave Finance Corporation 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 Tidalwave Finance Corporation?
The CFPB has recorded complaints against Tidalwave Finance Corporation from 4 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.