Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:30/11/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We could not process a partial refund on our account and customer service requested we try. So we did and received an error. Then Wave manually refunded and in doing so they refunded the transaction twice. Now they are saying we can not reverse the charge back to us and we have to involve the client instead. I thought Wave was a payment processor in addition to accounting? So why can they NOT reverse a transaction they in fact caused. This is harming our business.

  Customer Answer

  Date: 06/12/2023

  This was resolved via contact from the business, Wave Financial. ****** ****** thank you for your time, ****

• Initial Complaint

  Date:31/10/2023

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 10/11/2023, someone used our credit card information and bought something on Ticketmaster for $419.47. They also attempted to use our virtual card around the same time to buy airline tickets. With both of our cards being accessed, we called immediately and cancelled both cards. They started the proceeding on their end and said they’d send us a form to fill out about the details of the case. If we did so within 10 business days, then we’d be eligible for a provisional credit to our account. We filled out the paperwork and submitted it 3 times within those 10 days. We still have not received credit. When I call and ask they can’t tell me why nor can they give me any information on what their criteria is for receiving the provisional credit. They just keep saying that we will get the money back IF they deem the dispute worthy by January of 2024. That seems insane to me since it’s months away and they can’t even tell me why we supposedly don’t qualify for the provisional credit. Add to this the fact that they’re basically closing their banking services in early November and it just feels like we are getting the run around. This is the first and only dispute we’ve ever opened with them. We need this money right now to pay vendors and stay in business. The fact that they can’t even tell us why it will take this long or why we apparently don’t qualify for this phantom provisional credit is *****.

  Business Response

  Date: 07/11/2023

  We have reached out to our customer directly advising a provisional credit has been processed on their account by our Transaction Processing Partner. 

  Customer Answer

  Date: 08/11/2023

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ******** ********

• Initial Complaint

  Date:26/10/2023

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I made a payment to a company I do business with pretty practical , wave is third party handling payment processing. Because pretty practical could not be verified wave canceled my payment of 750.00 600.00 300.00 they sent me emails contains refund receipts for all three transactions saying the refunds were processed and completed. Only the 300.00 was refunded they **** and said my bank was preventing them from completing the two other payments. My bank said that is not true I have ******** that conversatayuon . Wave has completely stopped talking to the business pretty practical and has locked her out if her account. It has been requested that a check be sent for the refund but instead they only ignore any attempts to co.munucate

  Business Response

  Date: 30/10/2023

  We advise that you please reach out to your respective financial institution directly to dispute the transactions for which you have not received the goods/services for.

  Customer Answer

  Date: 31/10/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because: I  made three payments to pretty practical  using your processing service you said you could not verify that business so the payments would be returned to me  there were three transactions 300 750 and 500 you only returned 300.00 the other 1250.00 you did not refund nor did you deposit it into pretty practical account with wave. This is the email for pretty practical  ************@*****.com   I made a payment using your service you never paid pretty practical 
  
  
  
  Sincerely,
  
  
  
  **** ******

  Business Response

  Date: 06/11/2023

  We have successfully refunded all payments back to the cardholder.

  Customer Answer

  Date: 10/11/2023

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. However I they should not have let it go this far they should have just refunded my money initially.
  
  
  
  Sincerely,
  
  
  
  **** ******

• Initial Complaint

  Date:20/09/2023

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On September 13, 2023, I attempted to updated my debit card number on waveapps for my business account. I could not update my card information as the system prompted a phone verification on a phone number I could not remember and is eventually no longer in service. I attempted to solve the issue through the chat, but the only thing I received was an email confirming that they had received my request.
  It is absurd that a customer cannot update a phone number directly and that a financial institution has no customer service.
  Today I checked again and my funds are not being payout to my bank account as the payouts have been disabled. My entire business runs through waveapps and all my customers pay through them. I need the phone number and debit card updated ASAP and the funds payout to the bank account on file.
  The lack of customer service is truly annoying. An AI cannot solve such problems.

  Business Response

  Date: 26/09/2023

  We have been in touch with the customer directly and have updated the requested information on the account. The issue has now been resolved.

  Customer Answer

  Date: 26/09/2023

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ********* ** ******

• Initial Complaint

  Date:20/09/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I opened a Wave account on 09/17/2023. They accepted my business documents and allowed me to begin charging my customers.
  
  Over the next two days my customers paid our company $19,192.65. The Wave system noted that the funds, minus their fees, would be sent to my bank account on 09/20/2023.
  
  On 09/19/2023 I received an email from Wave advising that my business model was a higher risk than they felt comfortable with (***** ********) and that they were suspending my account. In addition to not being able to process payment they advised that they would be holding the $19,192.65 for 120 days (4 months).
  
  I am a small business owner and this is devastating our business. These funds are due to the men and women who performed the work associated with the funds (we are a general contracting company) and go toward our daily business expenses.
  
  I understand that Wave has to do business in a way that keeps their company safe. While disappointed, I was not angry that they had decided not to partner with my company.
  
  I am also not asking them to give the funds to me. I understand that they have risk associated with credit card chargeback and this is part of the reason for their decision.
  
  I am asking them to allow me to refund the funds to the customers so that they customers can pay us via other methods.
  
  As of this complaint Wave has locked me out of the ability to refund the charges to each customer and I can not get ahold of an actual human being.
  
  Help!!

  Business Response

  Date: 20/09/2023

  We contacted the customer via email on September 20th, 2023 and have resolved the issue with them directly.

• Initial Complaint

  Date:11/09/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  My name is **** ********. I use Waveapps for running payroll. They claimed to have paid my ***** tax payments, and filed the appropriate documents. They have not. They have also not responded to my repeated requests for assistance in this matter.
  
  I would like them to pay the fine that was levied against me for these payments not being made, and a refund for the payments I made to them for services, since they haven’t handled the tasks which I pay them to handle.
  
  The fine is $540.50

  Business Response

  Date: 20/09/2023

  We are in touch with the customer directly to resolve the issue. We contacted them via email on September 13th, 2023 sharing the steps needed to complete in order for them to be compensated.

• Initial Complaint

  Date:14/08/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On July 28th 2023, I had a customer opt to use the bank payment function that Wave provides to pay their invoice. I received and email confirming that the payment was made. My wave accounting software shows that it is paid as of July 28th. It is now August 9th and the funds are still not deposited in my account. I haven't received any communication as to why the funds are not available, or where the money is. I have also tried to contact this company and have not found any way to get in touch with someone who can help.
  
  I have included documents with screen shots of the Wave communications, and payment confirmations.

  Business Response

  Date: 18/08/2023

  We're sorry for the issues you experienced. A representative of our Risk Team has contacted the Merchant directly and resolved the issue pertaining to technical issues with the bank account intended to receive the funds. 

• Initial Complaint

  Date:27/07/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  They are holding my business funds without any reason to do so

  Business Response

  Date: 03/08/2023

  Like all financial companies, every business that signs up for our Payments service undergoes a thorough risk review, and in some cases and for various reasons a manual assessment is required after transactions have occurred. Wave could not verify the business associated with this account and the activity on the account was highly suspicious. As a result, we had to decline the account in order to protect our platform.

• Initial Complaint

  Date:26/07/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I live in Michigan (this detail is important) and I am a recent victim of debit card hacking. My card was copied using a skimmer and used in Chicago Illinois at an ATM multiple times. A lacksidazy investigation underwent and the conclusion was that It was me that used the card and none of my money would be returned to me. I have proof that at the same time a thief was draining my card, I was at a mall in Michigan buying my kids lunch. How can I be in two places at once? Not only did I not receive any proper assistance, they made me feel like I have to jump through hoops to get credited something stole from me. They are hesitant with reopening the dispute and pretty much told me, "my loss". I'll make sure everyone knows they dont care about their customers in the even of a something tragic happens. im disgusted and will be moving my business elsewhere and you should avoid using WaveApps at all costs.

  Business Response

  Date: 10/08/2023

  We contacted the customer via phone and resolved the issue directly. 

• Initial Complaint

  Date:25/07/2023

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I signed up for a wave account several months ago early 2023. I provided them the proper information to connect to my bank account, as well as my business credit card. I began using the bookkeeping feature to track purchases.
  
  On 22 July 2023, I needed to invoice a customer for work performed. I checked through my Wave account to ensure all information was correct, and elected to take both ACH and credit card payment.
  
  Payment was processed and my Wave account showed the customer money being paid to my account, with an email confirmation (*** ********).
  
  On 24 July 2023, I received an email from Wave, stating that the payment was suddenly cancelled and the cardholder was refunded (*** ********). The email stated the decision was based on a risk review, and no other information was provided.
  
  I contacted Wave via chat, and was told that per their terms that they could terminate at any time. They recommended I contact my customer and ask him to find another method of payment. They would offer no additional information as to why this happened.
  
  If there was any approval issue with my business not being eligible to take payment through Wave, they should have notified me prior to taking the first payment, not after the payment was made.
  
  Because of this, my reputation as a business is compromised, and I have the potential of losing the sale altogether. I am also now having to spend several hours trying to remedy the issue.
  
  I spoke to the customer and he has not received any refund through ***** *** as of the time I am writing this.
  
  I understand a company has terms, but there is also a point of operating ethically. This practice is very damaging to small business who relies on a payment service. There are numerous BBB complaints already against this company, citing the exact same issue.

  Customer Answer

  Date: 26/07/2023

  This email is to inform you that complaint ******** that I made against Wave Financial was responded to and handled appropriately.