# Wave Financial USA Inc.: 25 CFPB complaints, last 3 years

Updated November 10, 2026.

Wave Financial USA Inc. drew 25 consumer complaints in the CFPB database in the three years to November 9, 2026, and 36 since 2020. The largest group, 20, was about money transfer, virtual currency, or money service, and the most common issue was “Money was not available when promised” with 10. The company responded on time to 12.0% of the complaints, and 0.0% closed with monetary or other relief.

## The full list

This record is a row of this list. Pay by card with no account. Prices exclude VAT. CSV and Excel files with the columns this page does not show (company, company as the CFPB records it, complaints, last 3 years, complaints, last 12 months, complaints, 12 months before, complaints, 12 months before that and 8 more), which open on your screen as soon as the payment clears and come by email.

- [Companies with consumer complaints to the CFPB](https://specstream.ai/data/consumer-complaints): 5,399 rows, complaints received by the CFPB from November 9, 2023 to November 9, 2026, $133.99. Buy: https://specstream.ai/data/consumer-complaints

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

- Complaints, last 3 years: 25
- Complaints, all years: 36
- Responded on time: 12.0%
- Closed with relief: 0.0%
- Products: 4
- Latest received: Sep 2, 2026

## Complaints by year

Every year the CFPB database holds for this company, by the date received.

| Year | Complaints |
| --- | --- |
| 2026, to Nov 9 | 19 |
| 2025 | 5 |
| 2024 | 1 |
| 2023 | 2 |
| 2022 | 2 |
| 2021 | 6 |
| 2020 | 1 |

## Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

| Product | Complaints | Share |
| --- | --- | --- |
| [Money transfer, virtual currency, or money service](https://specstream.ai/data/consumer-complaints/product/money-transfer-virtual-currency-or-money-service) | 20 | 80% |
| [Checking or savings account](https://specstream.ai/data/consumer-complaints/product/checking-or-savings-account) | 2 | 8% |
| [Debt collection](https://specstream.ai/data/consumer-complaints/product/debt-collection) | 2 | 8% |
| [Credit card](https://specstream.ai/data/consumer-complaints/product/credit-card) | 1 | 4% |

## Issues

| Issue | Complaints | Share |
| --- | --- | --- |
| Money was not available when promised | 10 | 40% |
| Fraud or scam | 2 | 8% |
| Managing an account | 2 | 8% |
| Managing, opening, or closing your mobile wallet account | 2 | 8% |
| Other transaction problem | 2 | 8% |
| Trouble accessing funds in your mobile or digital wallet | 2 | 8% |
| Attempts to collect debt not owed | 1 | 4% |
| Confusing or misleading advertising or marketing | 1 | 4% |
| Confusing or missing disclosures | 1 | 4% |
| False statements or representation | 1 | 4% |
| Problem with a purchase shown on your statement | 1 | 4% |

## How the company responded

| Company response | Complaints | Share |
| --- | --- | --- |
| Untimely response | 22 | 88% |
| Closed with explanation | 3 | 12% |

## States

| State | Complaints | Share |
| --- | --- | --- |
| [Washington](https://specstream.ai/data/consumer-complaints/state/washington) | 4 | 16% |
| [Florida](https://specstream.ai/data/consumer-complaints/state/florida) | 3 | 12% |
| [Texas](https://specstream.ai/data/consumer-complaints/state/texas) | 3 | 12% |
| [Arizona](https://specstream.ai/data/consumer-complaints/state/arizona) | 2 | 8% |
| [California](https://specstream.ai/data/consumer-complaints/state/california) | 2 | 8% |
| [North Carolina](https://specstream.ai/data/consumer-complaints/state/north-carolina) | 2 | 8% |
| [Oregon](https://specstream.ai/data/consumer-complaints/state/oregon) | 2 | 8% |
| [Colorado](https://specstream.ai/data/consumer-complaints/state/colorado) | 1 | 4% |
| [Iowa](https://specstream.ai/data/consumer-complaints/state/iowa) | 1 | 4% |
| [Missouri](https://specstream.ai/data/consumer-complaints/state/missouri) | 1 | 4% |
| [Montana](https://specstream.ai/data/consumer-complaints/state/montana) | 1 | 4% |
| [Nebraska](https://specstream.ai/data/consumer-complaints/state/nebraska) | 1 | 4% |
| [Nevada](https://specstream.ai/data/consumer-complaints/state/nevada) | 1 | 4% |
| [New York](https://specstream.ai/data/consumer-complaints/state/new-york) | 1 | 4% |

## Latest 25 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

| Received | Product | Issue | Company response | Source |
| --- | --- | --- | --- | --- |
| September 2, 2026 | Money transfer, virtual currency, or money service | Managing, opening, or closing your mobile wallet account | Untimely response | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/26317870) |
| August 25, 2026 | Money transfer, virtual currency, or money service | Money was not available when promised | Untimely response | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/25771829) |
| July 6, 2026 | Money transfer, virtual currency, or money service | Money was not available when promised | Untimely response | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/23912805) |
| June 25, 2026 | Money transfer, virtual currency, or money service | Other transaction problem | Untimely response | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/23580201) |
| June 3, 2026 | Credit card | Problem with a purchase shown on your statement | Untimely response | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/22872071) |
| May 21, 2026 | Debt collection | False statements or representation | Untimely response | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/22413469) |
| May 5, 2026 | Money transfer, virtual currency, or money service | Trouble accessing funds in your mobile or digital wallet | Untimely response | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/21912992) |
| April 23, 2026 | Checking or savings account | Managing an account | Untimely response | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/21511976) |
| April 21, 2026 | Money transfer, virtual currency, or money service | Money was not available when promised | Untimely response | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/21444137) |
| April 21, 2026 | Money transfer, virtual currency, or money service | Money was not available when promised | Untimely response | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/21438813) |
| April 16, 2026 | Money transfer, virtual currency, or money service | Trouble accessing funds in your mobile or digital wallet | Untimely response | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/21321278) |
| April 8, 2026 | Money transfer, virtual currency, or money service | Money was not available when promised | Untimely response | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/21057370) |
| March 27, 2026 | Money transfer, virtual currency, or money service | Money was not available when promised | Untimely response | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/20731381) |
| March 25, 2026 | Money transfer, virtual currency, or money service | Managing, opening, or closing your mobile wallet account | Untimely response | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/20583295) |
| March 19, 2026 | Money transfer, virtual currency, or money service | Fraud or scam | Untimely response | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/20421138) |
| March 17, 2026 | Money transfer, virtual currency, or money service | Money was not available when promised | Untimely response | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/20343661) |
| February 18, 2026 | Money transfer, virtual currency, or money service | Money was not available when promised | Untimely response | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/19595698) |
| February 5, 2026 | Money transfer, virtual currency, or money service | Money was not available when promised | Untimely response | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/19288924) |
| February 5, 2026 | Debt collection | Attempts to collect debt not owed | Untimely response | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/19277871) |
| October 27, 2025 | Money transfer, virtual currency, or money service | Other transaction problem | Untimely response | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/19656145) |
| September 23, 2025 | Checking or savings account | Managing an account | Untimely response | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/18575084) |
| June 25, 2025 | Money transfer, virtual currency, or money service | Money was not available when promised | Untimely response | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/14275175) |
| May 12, 2025 | Money transfer, virtual currency, or money service | Confusing or missing disclosures | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/13467170) |
| May 12, 2025 | Money transfer, virtual currency, or money service | Confusing or misleading advertising or marketing | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/13456407) |
| March 12, 2024 | Money transfer, virtual currency, or money service | Fraud or scam | Closed with explanation | [consumerfinance.gov](https://www.consumerfinance.gov/data-research/consumer-complaints/search/detail/8530345) |

## Also on SpecStream

- [Every company with Money transfer, virtual currency, or money service complaints](https://specstream.ai/data/consumer-complaints/product/money-transfer-virtual-currency-or-money-service)
- [Every company with Checking or savings account complaints](https://specstream.ai/data/consumer-complaints/product/checking-or-savings-account)
- [Every company with Debt collection complaints](https://specstream.ai/data/consumer-complaints/product/debt-collection)
- [Every company with Credit card complaints](https://specstream.ai/data/consumer-complaints/product/credit-card)
- [Consumer complaints in Washington](https://specstream.ai/data/consumer-complaints/state/washington)
- [Consumer complaints in Texas](https://specstream.ai/data/consumer-complaints/state/texas)
- [Consumer complaints in Florida](https://specstream.ai/data/consumer-complaints/state/florida)
- [All consumer complaints](https://specstream.ai/data/consumer-complaints)

Source: [CFPB Consumer Complaint Database](https://www.consumerfinance.gov/data-research/consumer-complaints/). Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB.

Free to reuse with credit to SpecStream under [CC BY 4.0](https://creativecommons.org/licenses/by/4.0/).