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:08/19/2025

  Type:Service or Repair 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.

  Multiple accounts are reported on two people's reports. One person has nothing to do with any accounts or knowledge of accounts. Called in to speak to them. They confirmed that it is not me, but refuse to update the credit bureaus. They also verbally tell me that it is not me, but will not provide documentation to me to submit myself. For the other person, they show late payments, but confirm on the phone that they are current. Will not correct with bureaus. Then they verbally said they are "double charging" to a random account that is not valid and never was confirmed, but are refusing to remove the *** fees, even though the payment is set up automatically with a debit card. They said they charge the debit card but also an account. An account was never set up so there is no knowledge to what account they have nor was it ever told that anything is double charged. Otherwise a valid account tied to the card would have been provided.

  Business Response

  Date: 08/20/2025

  I wanted to speak with you to address your concerns and see what can be done to correct the situation. The number on the complaint is missing a digit and the number on the account is not in service. I will send you an email as well. Perhaps you want to reach out to me. My number is ************

• Initial Complaint

  Date:08/14/2025

  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 did a lease agreement with you guys and I have been making payments I called in June when I noticed so many things gone wrong and your agent told me that my full payment would be $614 plus tax when I called on June 21 2025 even though original 90 days pay options was $574.58 I have made payment of $312.10 so far and Im willingly to pay off the balance of $262.48 off before by 08/23/25, I called today 08/14/2025 and ****** was so adamant on the phone telling me I owe $698 so am debunking that outrageous deceptive claims,so I cant keep going back and forth my claim stands and I will be filing a complaint with WA DFI,CFPB and TILA and other financial institutions for predatory lending.

  Business Response

  Date: 08/15/2025

  While you applied on our platform, your lender is Uown. Paytomorrow is not your lender. Please refer to the documents you uploaded. 

• Initial Complaint

  Date:08/11/2025

  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.

  PAYTOMORROW LLC Amount:$2806Date:6/20/2025 Acct#******** ***** ******* writing to DELETE the following information in my file. I am a victim of identity theft. This is my official statement. The Documents that are attached I am personally sending them The information listed below, which appears on my credit report does not relate to any transactions that I have made and are not related with my current accounts. It is the result of identity theft.Please DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information. Permissible Purposes which is a clear violation of the Fair Credit Reporting Act, Section 1681b(a): Permissible Purposes of Consumer Reports as well as Section 1681b(c): Transactions Not Initiated by ConsumerAccording to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission. According to 15 *** 1681 have the right to privacy According to 15 *** 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 *** 1681 I have the right to privacy According to 15 *** 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errors Inaccurate Information on my credit report is causing me financial distress

  Business Response

  Date: 08/12/2025

  Thank you for reaching out regarding our recent credit bureau reporting. We take the responsibility of reporting credit activity very seriously. We will investigate your complaint and contact you directly with our findings, and any incorrect reporting will be corrected with the credit agencies. In accordance with the Fair Credit Reporting Act (****), we will report both your dispute and resolution to the credit agencies
  
  Im sorry to hear abou the issues youve faced with your new loan. It
  sounds like it has been a difficult time for you, and we want to do everything we can to
  help.
  Id be happy to help and give you a call.

• Initial Complaint

  Date:08/04/2025

  Type:Service or Repair 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.

  Pay tomorrow calls me around 6 to 8 times a day stating I have missed a payment. I have never heard of this company before and have no account with them. I have called their customer service and get told each time they will fix it but they do not. In the mean time they are blowing up my phone.

  Business Response

  Date: 08/12/2025

  Im sorry to hear about the issues youve faced with your husbands new loan. It
  sounds like it has been a difficult time for you, and we want to do everything we can to
  help.
  Id be happy to help and give you a call.

• Initial Complaint

  Date:06/12/2025

  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.

  We had an account with this business. During the entire pay off process.there was no negative impact on credit scores. We paid it off early due to only owing a few dollars. Paid it off to avoid an extra $50 + dollars for the next scheduled payment. I emailed the company and the representative would only state that I had previously late payments. That was strange, I did advise that my bank automatically rejected a couple of their debits, but as soon as I found out, it was corrected and they received the payment. It never went passed 30 days. When I requested to see when it went over 30 days, no response. All I am requesting is they remove the negativity from the credit reports.

  Business Response

  Date: 06/16/2025

  Im sorry to hear abou the issues youve faced with your new loan. It
  sounds like it has been a difficult time for you, and we want to do everything we can to
  help.
  Id be happy to help and give you a call to help discuss any questions you may have

• Initial Complaint

  Date:06/05/2025

  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.

  This company allowed someone to fraudulently open up a line of credit of sorts using my info that has been compromised on the web. They did not do the proper verification. I received a unknown package from a computer company and that lead me to paytomorrow finance. When I called paytomorrow finance they have an account open with a charge of $1.963.44 on 5/28/25 but this charge does not appear anywhere on any of my accounts and the credit card they have on file is very likely stolen/fraudulent

  Business Response

  Date: 06/10/2025

  We would like to assist you further and will have a customer service manager reach
  out to thephone number  listed to see if theres anything further we can do for you.
  Regards,
  The Paytomorrow Team

• Initial Complaint

  Date:05/20/2025

  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 purchased a set of tires and rims from this company. I closed out my account on April 17. I do believe with the remaining of $1136 that was removed from my account and they assured me that my account would be closed yesterday. I got a report on my credit that said an account was open through pay tomorrow yesterday. Although the account was closed for over two months now I called and I spoke to someone they will not return my phone call and they keep putting things on my credit score which is making my credit score to go down so please help.

  Business Response

  Date: 05/20/2025

  Were sorry that you were disappointed with your service at Paytomorrow too - we
  aim to provide the clearest, most transparent lending experience in the marketplace
  but sometimes things happen that are not our intention.
  We would like to assist you further and will have a customer service manager reach
  out to the email address listed to see if theres anything further we can do for you.
  Regards,
  The Paytomorrow Team

• Initial Complaint

  Date:04/15/2025

  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 have purchased rims and tires from Extreme customs using Pay tomorrow. My bank was hacked and I needed to set my automatic payments back up again with them. It was extremely difficult to get in touch with them. I finally got them to set my account back on automatic payments and they still reported my account to my credit even though they are taking my payment every other week out of my account and I was not past due or missed any payments. I have emailed them over 20 times without any responses at all. I have proof of this as well. They are taking the payments out of my account and I only owe them 150$ but they are reporting to my credit that I am not paying them. I would not use this company at all!! I would like you to please take the negative remarks off of mt credit. My account number is Plan ***** Extreme Customs

  Business Response

  Date: 04/15/2025

  Were sorry that you were disappointed with your service at Paytomorrow too - we
  aim to provide the clearest, most transparent lending experience in the marketplace
  but sometimes things happen that are not our intention.
  We would like to assist you further and will have a customer service manager reach
  out to the phone number listed to see if theres anything further we can do for you.
  Regards,
  The Paytomorrow Team

• Initial Complaint

  Date:04/07/2025

  Type:Sales and Advertising 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.

  Complaint Summary:I was deceived by PayTomorrow LLC into entering both a lease and a loan agreement for a single purchase in December 2024. This dual-contract structure was never clearly disclosed and has created overlapping financial obligations on the same item. The structure appears deliberately designed to confuse consumers and inflate payments well beyond the items value.Details of the Complaint:PayTomorrow enrolled me into a closed-end consumer lease with a buyout option and, simultaneously, a simple interest loan with a security agreement for the same equipment. This dual liability was never explained to me in plain language. The contracts conflict with each other: one says I do not own the item, the other assigns me ownership and collateral rights. This is not only deceptive it may be unlawful under consumer finance and leasing laws.When I brought this to their attention through a formal complaint to the ****, their response completely ignored the substance of my concerns. They offered irrelevant commentary about payment status and never addressed the predatory dual-contract structure. That alone raises further concerns that their model is designed to evade scrutiny.I am asking for:A full explanation of the dual-contract arrangement,Removal of any negative credit reporting,And cancellation or resolution of the account due to the misleading nature of the financing.This complaint is being documented in conjunction with filings I have already submitted to the ****, the Texas Attorney General, and the ***.

  Business Response

  Date: 04/08/2025

  Were sorry that you were disappointed with your service at Paytomorrow too - we
  aim to provide the clearest, most transparent lending experience in the marketplace
  but sometimes things happen that are not our intention.
  We would like to assist you further and will have a customer service manager reach
  out to the phone number listed to see if theres anything further we can do for you.
  Regards,
  The Paytomorrow Team

  Customer Answer

  Date: 04/08/2025

   
  I am rejecting this response because:
  PayTomorrow is conducting illegal business in ***** under a forfeited corporate entity with no legal authority to ******** or collect debt. They are not registered as a **************************** as required by ************* Code Chapter 393, issued a loan with an APR of 16% in violation of the states 10% usury cap, and used a deceptive dual-contract scheme (lease and loan) for a single item in violation of TILA, CLA, and **********. Their credit reporting to Experian and ********** is fraudulent and unverifiable, constituting FCRA violations. Collection attempts on a void contract issued by a non-authorized entity are also clear violations of the ***** and Texas Debt Collection Act. I have filed complaints with the ****, ***, and Texas Attorney General, and I demand immediate full deletion of all tradeline data and formal termination of all contracts. This pattern of misconduct has already resulted in a state enforcement action and consent order against PayTomorrow in *********** for operating without a license and charging illegal interestTexas will not be far behind.
  

  Business Response

  Date: 04/14/2025

  We appreciate your feedback, [customer name].
  Were sorry that you were disappointed with your service at Paytomorrow too - we
  aim to provide the clearest, most transparent lending experience in the marketplace
  but sometimes things happen that are not our intention.
  We would like to assist you further and will have a customer service manager reach
  out to the email address listed to see if theres anything further we can do for you.
  Regards,
  The Paytomorrow Team

  Customer Answer

  Date: 04/14/2025

  This is the second time PayTomorrow has sent a copy-paste template pretending this is a customer service complaint. Its not. You are knowingly ignoring multiple state and federal violations. Leaving in the placeholder "[customer name]" proves you didnt even bother to read the complaint, just recycled generic garbage.
  So heres your reality check:
  I dare you to address the legal violations I raised, directly, in writing, right here. No phone calls. No vague apologies.
  Lets see you defend:
  Operating under a forfeited corporate entity in *****
  Issuing loans with 16% APR, exceeding the 10% usury cap
  Failing to register as a **************************** (Texas Finance Code Chapter 393)
  Using a dual-contract deception (lease + loan) for a single item in violation of TILA, CLA, and the Texas DTPA
  Reporting unverifiable, fraudulent tradeline data (FCRA violations)
  Attempting collections on a void contract, violating FDCPA and the Texas Debt Collection Act
  And dont pretend this is a one-off. Your company has already been hit with a Connecticut Department of Banking consent order for operating without a license and charging illegal interest. Thats public record. Youre repeat offenders, and ***** will be next.
  Ive filed complaints with the ****, ***, and ********, and I am pursuing civil litigation. Keep sending these lazy replies, and Ill forward them to every agency as proof of bad-faith conduct.
  Youve got one last chance to act like a real company, if you still consider yourselves one.
  

  Business Response

  Date: 04/29/2025

  Our records show Mr ******* has never made any periodic payments whatsoever on this account, nor has he attempted to return the item. His account is seriously delinquent. Our records also show we have attempted to contact Mr ******* over 15 times regarding his account status, but he has refused to speak with anyone in that time. 

  Customer Answer

  Date: 04/29/2025

   
  I am rejecting this response because:

  This response confirms everything Ive alleged: PayTomorrow is not here to resolve anything in good faith, they are here to deflect, mislead, and retaliate.
  Lets be clear: they have still not addressed a single legal issue I raised. Instead, theyve chosen to make personal accusations and falsely imply wrongdoingwhile conveniently ignoring the fact that their contract is void under Texas law.
  Their admission that they are actively pursuing collection efforts, on a contract Ive disputed as illegalconfirms ongoing violations of the following:
  Operating in ***** under a forfeited corporate entity, with no authority to transact or collect debt
  Charging 16% APR, violating the Texas usury cap of 10%
  Failing to register as a ***************************** required by Texas Finance Code Chapter 393
  Using a dual-contract (lease + loan) scheme, violating TILA, CLA, and the Texas DTPA
  Reporting fraudulent and unverifiable tradeline data, in violation of the FCRA
  Attempting to collect on a void contract, violating the ***** and Texas Debt Collection Act
  Their claim about refusal to communicate is disingenuous. I exercised my right to dispute this debt in writing, and I have demanded all future communication be in writing to preserve the record. Repeated phone calls after such a notice are harassment.
  Finally, I have no legal or contractual obligation to return an item tied to an illegal financing agreement issued by an entity unauthorized to do business in ******
  Let this serve as formal notice:
  Service of the lawsuit citation is imminent. PayTomorrow will soon be officially served at their headquarters in **************. Every one of their dismissive, evasive responses, including this one, will be entered into evidence in court and forwarded to regulatory bodies as proof of willful noncompliance and bad-faith conduct. Good luck explaining this to the judge, if they even allow you to appear without valid legal standing in ******
  

  
  

  Business Response

  Date: 04/29/2025

  Thank you for reaching out regarding our recent credit bureau reporting. We take the responsibility of reporting credit activity very seriously. We have reviewed your account and our reporting is accurate.

  Customer Answer

  Date: 04/29/2025

   
  I am rejecting this response because:
  PayTomorrows continued pattern of ignoring direct legal allegations is astounding.
  This response falsely claims that their credit bureau reporting is accurate, without addressing any of the violations I have documented in writing, including:
  Attempting to collect on a void, illegal contract (FDCPA 807 violation)
  Operating under a forfeited corporate entity in *****, without legal standing to lend or collect
  This matter is now the subject of active litigation. PayTomorrow has been formally sued, and service of the lawsuit is imminent. Justice Court, Precinct 2, *************, ** Case Number: 02-SC-25-00070
  Their false public claims to the BBB after receiving legal notice will be added to my court evidence as further proof of willful noncompliance, reckless disregard, and bad-faith conduct.
  No further responses are necessary. All future communications must proceed through the court.
  

• Initial Complaint

  Date:04/06/2025

  Type:Service or Repair 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 complaint is pay tomorrow hit my credit and I have never used them or signed an agreement with them i am outraged really.. I do not know how this happened when I called them they were little to no help and told me I applied with them from an online merchant of some sort and was approved but I didn't use them. I explained This never happened I never authorized this company to run a credit check I wouldn't use this company to do so if I were to finance online. I explained but the language barrier between whom ever I was speaking to an I was so bad the conversation went absolutely nowhere and as I have never had to dispute an inquiry from my credit report I didn't know what else to do except report them I don't know if someone has gotten ahold of my Information and used it to applied with pay tomorow but if so I feel I shouldn't be penalized for it there has got to be a way to prove it was not me..I don't want to sue I don't want any money I just want the derogatory mark off of my credit because I never applied with them I would use affirm if I needed financing for products online I'm only reporting incase this has happened to other people.thank you Sincerely, ******* *******

  Business Response

  Date: 04/07/2025

  We would like to assist you further and will have a customer service manager reach
  out to the phone number listed to see if theres anything further we can do for you.
  Regards,
  The Paytomorrow Team