CFPB · Narrative-heavy record
Tidalwave Finance Corporation
13 CFPB complaints · 53.8% with narratives · top issue Problems when you are unable to pay.
Tidalwave Finance Corporation: 53.8% of 13 filings include consumer narratives. Timely 53.8% · relief 0% · top product Vehicle loan or lease. Allegations, not findings.
- Narrative-heavy record
- 0% filings 2015 to 2023
CFPB relief outcome brief
CCDB company tidalwave-finance-corporation
0% relief · 53.8% timely · 13 filings · Vehicle loan or lease
Same-product relief peers
Nearest relief peer: BMW Financial Services NA, LLC (0% relief)
Tidalwave Finance Corporation closes 0% with relief, below the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Response Quality Score
Tidalwave Finance Corporation scores strongest on closed with explanation (57/100 percentile-benchmarked) and weakest on relief provided (0/100), blended into one 0–100 composite against the CFPB-wide distribution among companies with 10+ complaints. See methodology for the benchmark and weights.
Relief provided
0 / 100 percentile-benchmarked
0% of complaints closed with relief to the consumer
Timely response
19 / 100 percentile-benchmarked
53.8% of complaints answered inside the CFPB 15-day window
Closed with explanation
57 / 100 percentile-benchmarked
76.9% of complaints closed with an explanation to the consumer
Most of Tidalwave Finance Corporation's 13 filings include narrative text
53.8% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Tidalwave Finance Corporation complaint mix by product
- Vehicle loan 5 38.5% – 0% relief
- Consumer Loan 5 38.5% – 0% relief
- Credit reporting, 2 15.4% – 0% relief
- Debt collection 1 7.7% – 0% relief
How Tidalwave Finance Corporation's 13 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Vehicle loan or lease | 5 |
| Consumer Loan | 5 |
| Credit reporting, credit repair services, or other personal consumer reports | 2 |
| Debt collection | 1 |
Concentrated filing states for Tidalwave Finance Corporation
Top states by attributed CFPB complaint volume for this company
- Leading state
- CA
- 76.9% of this company's filings
Tidalwave Finance Corporation complaints by year
Annual filing volume from the CFPB public database
- 2023
- 2
- 0% vs 2015
Top States
| State | Complaints |
|---|---|
| CA | 10 |
| FL | 1 |
| WI | 1 |
| TX | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Problems when you are unable to pay | 3 |
| Managing the loan or lease | 3 |
| Incorrect information on your report | 2 |
| Problems at the end of the loan or lease | 2 |
| Struggling to pay your loan | 1 |
| Taking out the loan or lease | 1 |
| Improper contact or sharing of info | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 2 | 100% |
| 2016 | 3 | 33.3% |
| 2017 | 2 | 100% |
| 2020 | 1 | 100% |
| 2021 | 3 | 33.3% |
| 2023 | 2 | 0% |
Source: CFPB Consumer Complaint Database
Tidalwave Finance Corporation's narrative-rich complaint ledger
Tidalwave Finance Corporation's 13 logged complaints stay concentrated: only 4 states show a filing. 53.8% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2023-05-14.
Tidalwave Finance Corporation answers 53.8% of complaints inside the CFPB's tracked window and closes 76.9% 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. "Vehicle loan or lease" draws the most filings, most often for "Problems when you are unable to pay."
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 Tidalwave Finance Corporation.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Tidalwave Finance Corporation: 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: 13.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 53.8%.
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 Tidalwave Finance Corporation (53.8% timely; 0% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record