ComplaintsforPayTomorrow LLC

Financing

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Initial Complaint
10/18/2024
Complaint Type:
Billing Issues
Status:
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.
I am writing to file a formal complaint regarding PayTomorrows deceptive loan and lease terms, which have negatively impacted my credit and overall financial situation. I initially financed a purchase through PayTomorrow, and at the time of applying, I was led to believe that my payments were structured as a simple loan repayment. However, I later discovered that I had not only a loan but also a lease associated with my account, resulting in unexpected payments.The terms of the agreement were not clearly communicated during the application process, and at no point was I made aware that the $75 weekly payments were required, instead of the $75 monthly payments I was originally told. This misunderstanding resulted in several late payments being reported to the credit bureaus, causing damage to my credit score. Despite my best efforts to resolve the issue, including paying off the balance in full early and sending multiple goodwill letters, PayTomorrow has been unresponsive and unwilling to assist with removing the negative items from my credit report.Furthermore, I have come across numerous complaints from other customers who experienced similar confusion about PayTomorrows loan and lease terms. It appears that PayTomorrow consistently fails to disclose critical information about its financing structures, which is misleading and predatory. The companys lack of communication when payments are incorrect, and failure to respond to customer concerns, is unacceptable.I am requesting that PayTomorrow remove the late payments from my credit report, as they were a result of unclear and misleading loan terms. Additionally, I urge PayTomorrow to review its communication practices and improve transparency for future customers to prevent similar issues.Thank you for your attention to this matter.Desired Resolution: Removal of late payments from my credit report and a review of PayTomorrows loan and lease communication practices.
Business response
10/21/2024
Im sorry to hear about your experience with Paytomorrow and that our services were
not clear nor achieved the level of service you were expecting. At Paytomorrow, we
pride ourselves on transparent communication and fair lending. While I hear that the
payment details were not made clear to you, wed be happy to help walk you through
the origination documents that were signed at closing and answer any questions you
may have.
We apologize for any inconvenience this caused you.
Please know that we value your business and your forwardness and look forward to
discussing more with you.
Customer response
10/21/2024

I am rejecting this response because:

I appreciate your recent response to my complaint, but I remain deeply concerned that my primary issue has not been addressed. As Ive mentioned previously, the lack of clear communication regarding the payment structure led to missed payments and negative marks on my credit report. These marks were the result of unclear and misleading terms, and I am asking for them to be removed.

I have made multiple attempts to resolve this issue, including paying off the balance early and sending several goodwill letters, all of which have been ignored. Its disappointing that a company which claims to value transparency and customer satisfaction has been unresponsive to a reasonable request to correct the harm caused by unclear terms.

If this matter is not resolved promptly and the late payments are not removed from my credit report, I will have no choice but to escalate this issue further, including exploring legal options to protect my rights and restore my credit.

Please let me know within 10 business days how you intend to rectify this situation. I would prefer to settle this matter amicably, but I will pursue all available avenues if necessary.

Sincerely,

**** ******
Business response
10/30/2024
Im sorry to hear about your experience with Paytomorrow and that our services were
not clear nor achieved the level of service you were expecting. At Paytomorrow, we
pride ourselves on transparent communication and fair lending. While I hear that the
payment details were not made clear to you, wed be happy to help walk you through
the origination documents that were signed at closing and answer any questions you
may have.
We apologize for any inconvenience this caused you.
Please know that we value your business and your forwardness and look forward to
discussing more with you.
Customer response
10/30/2024

I am rejecting this response because:
Initial Complaint
10/18/2024
Complaint Type:
Service or Repair Issues
Status:
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.
Purchased tires through Tire agent and financed through paytomorrow. Order for tires was canceled by tire agent. Informed pay tomorrow through numerous emails and phone calls. Paytomorrow will not address issue and is taking money from bank account.
Business response
10/18/2024
Tell us why hereOur team and platform is dedicated to providing clear and transparent lending at
every step, and we strive for 100% customer satisfaction with every program we build
for our customers. We would like the opportunity to fix the situation and help make it
right for you.
Please contact our office at [phone number] so that one of our customer service
managers can discuss your situation in greater detail....
Customer response
10/18/2024

I am rejecting this response because:
I have reached out to this business numerous times via phone and email with zero response or effort to rectify the situation on their end. They can reach out to me if they would like. I have made numerous efforts to reach out with no response or no solution to the problem provided
Business response
10/18/2024
We just attempted to call you with no success. We will be sending you an email today.
Customer response
10/18/2024
I have not received any calls and I have no missed calls as well. Reach out by email as I have no calls from your company
Business response
10/25/2024
There was both a call where the customer hung up and an email sent on 10/18/2024. Email stated: Cancellations are processed through the merchant. Customers will need to make the merchant aware that they are interested in cancelling the order. Merchants who will accept the cancellation will hit the refund button in the application. This will automatically flip the status to Return to Seller. Customer payments will be refunded.Application fees are non-refundable.
Tire agent has put through a partial return. This means, they are indicating that you still have some of the financed items. You will need to reach out to the merchant to resolve this issue. Once they indicate to us that all items have been returned you financing will be closed and any monies paid will be refunded.
Customer response
10/25/2024

I am rejecting this response because:
Have received no calls or emails from business. Paytomorrow has been sent proof of my cancellation and still refuses to refund my money or reach out. Sent proof of cancellation directly to ***** of paytomorrow. Business is trying to continue to take money
Business response
10/25/2024
Paytomorrow is just waiting on confirmation from the Merchant directly about the cancellation. Once they hit the refund button we will return any monies paid by the customer.
Customer response
10/25/2024

I am rejecting this response because:
Im only rejecting so case stays open until my money is returned
Initial Complaint
10/01/2024
Complaint Type:
Billing Issues
Status:
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.
I am writing to dispute an account listed on my credit report that was fraudulently opened in my name. I am a victim of identity theft and have reported this incident to *****************. Under the Fair Credit Reporting Act (FCRA), I have the right to dispute inaccurate or fraudulent information, and I expect this issue to be resolved swiftly.The account details are as follows:PAYTOMORROW LLC, opened on 07/10/2023 (Account Number: *********** account was opened without my knowledge or consent. I have never authorized, applied for, or conducted any transactions with this creditor. Its presence on my credit report violates my rights under the **** and is causing undue damage to my creditworthiness and financial well-being.I demand an immediate investigation and prompt removal of this account from my credit report in accordance with the ****, which requires that any disputed information be corrected or deleted within 30 days. Please confirm the removal of this account as soon as possible.
Business response
10/01/2024
IDENTITY THEFT Please read this if you believe you are the victim of identity theft
Identity Theft is a serious issue that can have a long-lasting negative affect on your credit, and we urge you to treat this as an urgent matter. To stop collections efforts and to remove the incorrect items from your credit report, we will need some documentation of the Identity Theft, including a printed or PDF copy of the completed and signed FTC form (see link below) and a police report.
In any reporting we make to credit agencies over the next 30 days from today, we will mark your account in dispute under the ****. In addition:
If we receive the documentation described above within 30 days, on our next reporting cycle we will inform the credit agencies to remove the appropriate items from your credit report. Please note that corrections can take up to 60 days to appear on your credit report.
If you notify us that you will need more time to collect the appropriate documentation, we will continue to report your account in dispute while you collect documentation.
If you do neither of those things, after 30 days from today we will report that the dispute has been settled and that your account contains a valid debt.
Here is a link to the **** online form. Click the link and choose I Want to Report Identity Theft and follow the prompts for loans and leases.
*****************************************
Initial Complaint
09/04/2024
Complaint Type:
Billing Issues
Status:
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.
PAYTOMORROW LLC Opened: 11/28/2022 (Account Number: *************: **/**/2022 (Account Number: *************: $0.00 and $1,544.00 Dispute Reason: Both of these accounts are fraudulent and were never authorized or opened by me. I am a confirmed victim of identity theft. I demand the immediate and permanent removal of these accounts from my credit report to prevent further damage to my financial reputation.
Business response
09/09/2024
IDENTITY THEFT Please read this if you believe you are the victim of identity theft
Identity Theft is a serious issue that can have a long-lasting negative affect on your credit, and we urge you to treat this as an urgent matter. To stop collections efforts and to remove the incorrect items from your credit report, we will need some documentation of the Identity Theft, including a printed or PDF copy of the completed and signed FTC form (see link below) and a police report.
In any reporting we make to credit agencies over the next 30 days from today, we will mark your account in dispute under the ***** In addition:
If we receive the documentation described above within 30 days, on our next reporting cycle we will inform the credit agencies to remove the appropriate items from your credit report. Please note that corrections can take up to 60 days to appear on your credit report.
If you notify us that you will need more time to collect the appropriate documentation, we will continue to report your account in dispute while you collect documentation.
If you do neither of those things, after 30 days from today we will report that the dispute has been settled and that your account contains a valid debt.
Here is a link to the **** online form. Click the link and choose I Want to Report Identity Theft and follow the prompts for loans and leases.
*****************************************
Initial Complaint
09/03/2024
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I paid off a loan and over paid by $119, no one at this company will respond to emails and if they do its a blank email. Da apparently the only way to get your over payment back is if you call and argue with them. She admitted it was over paid and said shed try to put in a request.
Business response
09/09/2024
A refund has been issued to the card on file in the amount of $119.95. We apologize for the delay.
Customer response
09/09/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to my complaint, and find that this resolution is satisfactory to me.

Thank you.
Initial Complaint
08/23/2024
Complaint Type:
Product Issues
Status:
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.
Being harassed and I very try but now they hindering me instead of them taking to other company they hindering me
Business response
08/26/2024
,Im sorry to hear about 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
08/02/2024
Complaint Type:
Billing Issues
Status:
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.
I fell behind all my payments with this company. I went to their portal and in December and created a payment plan to settle this debt, which was $400. After paying the $400 it was reported on my credit as this account being closed. They then reopened the account in February as pictured and credit report and then begin to bill me again. When I noticed this, I called the company and told them what was going on and they said that that was not a payment plan to settle the debt that it was a payment plan to bring my account current. If that is the case, I believe that that was deceptive practices. Based off of my credit report, it seems that I settled the debt. As the online portal displayed unfortunately I do not have a screenshot of that as I trusted the company. This company has done a few weird things like show that my account was closed and paid and then reopen the account and bill with previous information that they had.
Business response
08/02/2024
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 response
08/16/2024

I am rejecting this response because:

I have not received any correspondence from PayTomorrow concerning this matter. No customer service manager or representative of PayTomorrow has reached out to me.
Business response
09/09/2024
We have been trying to reach you regarding your account. To date you have not paid off your account. What was reflected a paid was the lease portion of your financing. When reporting to the credit agencies, we are required to report the lease and the loan separately. We would like the opportunity to go into specifics. If you would call me directly ************. Thank you.
Initial Complaint
08/01/2024
Complaint Type:
Product Issues
Status:
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.
I paid the loan off, company still taken money out my bank account.
Business response
08/01/2024
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
07/26/2024
Complaint Type:
Billing Issues
Status:
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.
According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease 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.According 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 USC 1681 have the right to privacy According to 15 USC 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 USC 1681 I have the right to privacy According to 15 USC 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 A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. Inaccurate Information on my credit report is causing me financial distress PAYTOMORROW LLC Amount:$3089Date:6/20/2024 Acct#*******
Business response
07/29/2024
Our team and platform is dedicated to providing clear and transparent lending at
every step, and we strive for 100% customer satisfaction with every program we build
for our customers. We would like the opportunity to fix the situation and help make it
right for you.
Initial Complaint
07/02/2024
Complaint Type:
Order Issues
Status:
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.
I was lied to and mislead with fraudulent information to use this company to finance 4 tires. I was told that I would be bill for 9 months of ****** to pay for the tires. Unknown to me that the 9 months was only to lease the tires and then the would be another 9 months of payment to then be in the process of actually buying them. Why would I spend 9 months leasing first to then turn around and spend another 9 months buying. They are very misleading and tell you one thing but send confusing contracts that say another. Companies like this should not be allowed to prey on poor people to get rich. The are charging double the cost for the merchandise. Where is the regulation for Companies such as this one.
Business response
07/02/2024
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

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