CFPB · Single-product concentration
Layer2 Financial Inc.
5 CFPB complaints · 80% in "Money transfer, virtual currency, or money service" · top issue Money was not available when promised.
Layer2 Financial Inc.: 80% of 5 CFPB complaints sit in "Money transfer, virtual currency, or money service". Timely 20% · relief 0%. Allegations, not findings.
- Single-product concentration
- 0% filings 2024 to 2026
CFPB relief outcome brief
CCDB company layer2-financial-inc
0% relief · 20% timely · 5 filings · Money transfer, virtual currency, or money service
Same-product relief peers
Nearest relief peer: Early Warning Services, LLC (0% relief)
Layer2 Financial Inc. closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Layer2 Financial Inc. complaint mix by product
- Money transfer, 4 80.0% – 0% relief
- Checking or 1 20.0% – 0% relief
How Layer2 Financial Inc.'s 5 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Money transfer, virtual currency, or money service | 4 |
| Checking or savings account | 1 |
Concentrated filing states for Layer2 Financial Inc.
Top states by attributed CFPB complaint volume for this company
- Leading state
- GA
- 40% of this company's filings
Layer2 Financial Inc. complaints by year
Annual filing volume from the CFPB public database
- 2026
- 1
- 0% vs 2024
Top States
| State | Complaints |
|---|---|
| GA | 2 |
| MN | 1 |
| NJ | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Money was not available when promised | 2 |
| Fraud or scam | 1 |
| Other transaction problem | 1 |
| Managing an account | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2024 | 1 | 100% |
| 2025 | 3 | 0% |
| 2026 | 1 | 0% |
Source: CFPB Consumer Complaint Database
Layer2 Financial Inc. filings cluster in one product
Layer2 Financial Inc.'s 5 logged complaints stay concentrated: only 3 states show a filing. Only 20% of filings carry a written consumer narrative, so most of this record is coded categories rather than verbatim complaint text. Records run from 2024 through 2026-06-02.
Layer2 Financial Inc. answers 20% of complaints inside the CFPB's tracked window and closes 80% with a written explanation. 0% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Money transfer, virtual currency, or money service" draws the most filings, most often for "Money was not available when promised."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Layer2 Financial Inc..
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Layer2 Financial Inc.: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 5.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 20%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Layer2 Financial Inc. (20% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Single-product concentration