Money transfer, virtual currency, or money service -- Confusing or misleading advertising or marketing -- Complaint #18085535
Complaint Overview
Complaint ID: 18085535
Company: Tilt Finance, INC.
Product: Money transfer, virtual currency, or money service
Sub-Product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing
State: California
ZIP Code: 95618
Date Received: 2025-10-16T12:00:00-05:00
Date Sent to Company: 2025-12-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint due to deceptive and misleading repayment practices by Tilt ( also known as Empower / Tilt Financial ) in connection with a {$200.00} cash advance they deposited to my Bank. The company advertised repayment as XXXX, which was the only reason I agreed to authorize repayment at that time. However, after repayment was triggered, the status remained processing and not instant as represented. This delay caused multiple account disruptions and overlapping pending debits, impacting my ability to manage funds and directly interfering with other financial obligations. I am formally revoking my authorization for the debit attempt tied to the card, because my consent was obtained under a materially false claim. Under Regulation XXXX and UDAAP standards, an authorization induced by misleading language is not valid. The company is still attempting to process the debit even after the misrepresentation became apparent. I am willing to repay the advance manually at a later date, but I am requesting that the CFPB XXXX the company to halt the current debit processing attempt, acknowledge that the use of the word instant in their repayment interface constitutes misleading financial advertising, and confirm that I retain my right to repay on non-automatic terms due to their misrepresentation. This situation caused financial harm and account instability due to their inaccurate marketing of an instant repayment feature that did not function as stated. I request investigation, a stop on the current debit attempt, and enforcement of my right to revoke authorization and repay on adjusted terms. XX/XX/year>, initiated fake instant transfer repayment ) been XXXX hours and now processing finalized similar to a regular ach.
Frequently Asked Questions
What is Complaint #18085535 about?
Complaint #18085535 was filed against Tilt Finance, INC. regarding Money transfer, virtual currency, or money service specifically about Confusing or misleading advertising or marketing. It was received by the CFPB on 2025-10-16T12:00:00-05:00.
How did Tilt Finance, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Money transfer, virtual currency, or money service) and describe your issue in detail.
Can I see other complaints against Tilt Finance, INC.?
Yes, visit the Tilt Finance, INC. company profile at readthecomplaint.com/company/tilt-finance-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.