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Business Profile

Financial Services

PowerPay, LLC

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Financial Services.

Complaints

Customer Complaints Summary

  • 43 total complaints in the last 3 years.
  • 26 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:04/12/2025

    Type:Service or Repair Issues
    Status:
    Unanswered
    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.
    For bathroom renovation,Im paying $252.00 per month. Only approx. about $30.00 is going toward the principal. Is this legal?

  • Initial Complaint

    Date:04/02/2025

    Type:Billing Issues
    Status:
    Answered
    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 believe they are issuing predatory loans. The charges on the interests dont make sense to me.

    Business Response

    Date: 04/07/2025

    Hello
    We are writing to acknowledge the receipt of the referenced complaint. At PowerPay, we strive to provide the highest level of service to our customers. We have reached out to the customer and addressed the alleged issue.Thank you
    PowerPay

  • Initial Complaint

    Date:03/17/2025

    Type:Service or Repair Issues
    Status:
    Answered
    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 or about December 1, 2024, I started sending emails and inquires with regards to PowerPay abiding by the regulations outlined in the servicemembers credit relief act. On January 2, 2025, I entered onto full time, active duty Title 10 orders. I have emailed and called multiple times and at no time have they acknowledged my attempts to contact them. After waiting on hold for approximately 3 hours, prior to departing continental US, I was informed that I had called the wrong department and not only could they not transfer me, but that department was closed. I made several attempts prior to leaving ** soil to contact them but was put on hold for extended periods of time and when I left messages, I never got a return call. This is not the first time I have had difficult getting this company to abide by federal regulations. August of 2020, I started contacting them for my activation in October 2020. I never got anywhere then, I'm hoping the better business bureau can provide some assistance.

    Business Response

    Date: 04/07/2025

    Hello
    We are writing to acknowledge the receipt of the referenced complaint. At PowerPay, we strive to provide the highest level of service to our customers. We are working internally to address the customer's complaint and have reached out to the customer.
    Thank you
    PowerPay

  • Initial Complaint

    Date:03/01/2025

    Type:Order Issues
    Status:
    Unresolved
    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 are a business that has worked with Power Pay since April of 2020 to help our customers secure financing for home projects, exclusively through no-dealer-fee loans. On a job completed 2/24/25, we discovered that Power Pay charged us a $1,470 dealer fee. We had agreed with Power Pay not to incur dealer fees, and instead of the $21,000 we were expecting, they intended to send us only $19,530. To be clear, we have never paid a fee before and have had 2 jobs this year 2025 financed by Power Pay, one of those jobs, we just received funds from them on 2-19-2025. Power Pay claimed their terms had changed but never notified us. We have always made it clear that we would not accept loans with dealer fees. They then argued that the customer could only be approved with the dealer-fee loan, but we would rather have a customer declined than accept the fee. How and why the customer was approved is not our concern or problem, they approved this customer knowing what our terms are and therefore the loss should be theirs not ours. When we pushed back, Power Pay refused to fund the loan if we had the customer pay us the $1,470 separately. This is problematic, as our contract with the customer states they owe us ************* multiple discussions with Power Pay and the customer, ********************** refused to address the issue. With no other financing option for the customer and the work already done, we had no choice but to accept the $19,530 as payment in full from the customer. However, we are requesting ********************** pay us the $1,470 they owe us.

    Business Response

    Date: 04/07/2025

    Hello
    We are writing to acknowledge the receipt of the referenced complaint. At PowerPay, we strive to provide the highest level of service to our customers. We have reached out to the merchant and addressed the alleged issue.Thank you
    PowerPay

    Customer Answer

    Date: 04/08/2025

    [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

     Complaint: 23007082

    I am rejecting this response because:  This business never reached out to us as they say they did in there reply, they flat out lied.  The facts are everything we said in our original complaint is true, they never reached out to correct this, their website still today has on it that they offer no dealer fee loans, that alone is false advertising and horrible business practices.  This is a horrible company and I would recommend to anyone and everyone both merchants and consumers not to do business with them.  They Lie about everything.


    Regards,

    ***** ******* In-house Plumbing








  • Initial Complaint

    Date:02/03/2025

    Type:Billing Issues
    Status:
    Unresolved
    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 been paying on this account with a balance not reflecting the money that has been received by this company.

    Business Response

    Date: 02/10/2025

    We have responded and spoken to the customer regarding the payment allocation. If they should have further questions we advised them call back 

    Customer Answer

    Date: 02/10/2025

    [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

     Complaint: 22891952

    I am rejecting this response because:
    I would like for someone from your department to review the bills. I've had other loans with higher interest rates and do not understand why there's such a big discrepancy between what I've paid so far and the balance due.

    Regards,

    ***** *********************************************

    Customer Answer

    Date: 02/13/2025

    I had someone from the ********************* at *** to look at the bills also and they are as puzzled as I am. The bottom line does not reflect the ******* payments

  • Initial Complaint

    Date:01/15/2025

    Type:Order Issues
    Status:
    Answered
    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 (see invoices below). I want to know why this company is applying 100% of my payment to interest.Payments started in Sep 2024 and (it appears) according to their invoices that the entire amount is being applied towards interest. I logged onto **************** and reviewed that they have this loan SCHEDULED for 15 YEARS - which brings the total amount paid to $48,240.I was not made aware that this LOAN would be drawn out 15 yrs and that all of my payments would be applied towards INTEREST. That is INSANE.I have been trying for over a week to call the company but they NEVER answer their phone. You request a CALL BACK and either they NEVER call back or they call back after an hour or so has passed - at which time - I have to go to bed or go to work, etc.I have purchased MANY vehicles in my lifetime so I am aware of the concept of INTEREST being applied to the original price - BUT NOT TO THE POINT THAT IT MORE THAN DOUBLES THE COST OF THE PROJECT (which in my opinion was over priced to begin with).Please explain to me how a company can charge/apply payments etc to where in the end - the amount being paid is MORE THAN DOUBLE. At most a person will pay approximately $8,000 in finance charges - NOT $27,100 IN FINANCE CHARGES!!!!!!!

    Business Response

    Date: 01/27/2025

    Hello
    We are writing to acknowledge the receipt of the referenced complaint. At PowerPay, we strive to provide the highest level of service to our customers and ensure that all loan information is clearly stated in our loan agreement. We are working internally to address the customer's complaint and have reached out to the customer.
    Thank you
    PowerPay

    Customer Answer

    Date: 01/27/2025

    [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

     Complaint: 22817588

    I am rejecting this response because:

    I NEVER received paperwork on terms of loan.

    It was only after BBB reached out to Power play did they send me an email "stating that interest accrues daily"   So basically my entire payment goes towards interest EVERY MONTH.

    So again this is PREDATORY lending.  I an paying $268 Month and that entire payment is going towards interest as previously stated.  As I stated before Terms of loan is 15 years with total amount being paid is ****** - double the amount financed.

    The company did not and us not working with me other than stating that there is no penalty for paying off early.

    THIS IS UNACCEPTABLE!

    I WANT thus loan with better terms. Period.

    Regards,

    **** ******








  • Initial Complaint

    Date:12/30/2024

    Type:Service or Repair Issues
    Status:
    Answered
    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.
    in march ***************************************************they did a loan through powerpay, for ****** dollars, the job were finished in June of 2024 which powerpay never released the loan,so great day is threatening too put a lien on my property, could you please help me with powerpay and and great day home improvement

    Business Response

    Date: 04/07/2025

    Hello
    We are writing to acknowledge the receipt of the referenced complaint. At PowerPay, we strive to provide the highest level of service to our customers. We have reached out to the customer and advised them that this issue is between the merchant and the customer.
    PowerPay

  • Initial Complaint

    Date:12/29/2024

    Type:Order Issues
    Status:
    Answered
    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.
    Signed a contract with power pay August of 2024 for solar panels. Spoke to many individuals from power pay regarding loan details and project completion updates prior to solar panels being installed. Solar panels were installed as if no issues. I was even sent and signed the *** once project was completed and confirmed via phone and photos of completion which were accepted. Loan was then processed and have account payment date and everything and reporting to my credit the exact balance and term. Now Power Pay is refusing to pay the solar panel company stating this finance plan doesnt exist anymore so they will not be honoring their own executed finance contract. They are stating computer issue however when applying, during process, and even after completed and signed PAC with talking to Individuals the rate and Apr was always very consistent and upfront now that the project is complete they are trying to illegally get out of paying and change the terms etc

    Business Response

    Date: 01/27/2025

    PowerPay has been in contact with the consumer and addressed the concerns raised by the consumer. The alleged issue is being investigated internally for process improvement. Please let us know if you have any questions or would like to discuss. Thank you for your time and attention to this matter.

  • Initial Complaint

    Date:12/27/2024

    Type:Service or Repair Issues
    Status:
    Resolved
    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.
    Powerpay has quit reporting my payments since September. I have made several payments since then and have even paid it off. They told me they will not update my credit bureau for 60DAYS which is in violation of ****. The bank is refusing to report this causing my Transunion score to be low as a result. I have filed disputes with ********** however Powerpay continues to provide false information. I am asking they fix this immediately.

    Business Response

    Date: 12/30/2024

    Thank you for bringing your concerns to our attention. PowerPay has been in contact with the consumer and has addressed all raised concerns. If you need further assistance please call customer service at *************.

    Customer Answer

    Date: 12/30/2024

    [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

    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.   As long as my credit reporting correctly I am fine.   This was reassured in our phone conversation.

    Regards,

    ****** *****

  • Initial Complaint

    Date:12/26/2024

    Type:Order Issues
    Status:
    Answered
    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 charges ***** interest rates. My credit score is excellent. I was sorry that I agreed to financing a loan for my roof with them. I financed ********* and regretted it immediately. We would pay over more than ********* by the time we paid the loan off. I paid my loan in full a month later. I am trying to get a written statement to show that the loan is paid. They are saying it will be four weeks. DO NOT FINANCE WITH POWER PAY. I had to pull money from my 401K to pay them. I cant imagine dealing with this predatory lending company for one month let alone seven years. Find another solution because it is ridiculous that they have such high interest rate.

    Business Response

    Date: 12/30/2024

    Thank you for bringing your concerns to our attention regarding the interest applied to your loan. After reviewing your loan agreement, we can confirm that the interest rate  was agreed upon at the time of signing and is in line with the terms of your loan. If you need further assistance please call customer service at *************.

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