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Complaint Details
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Initial Complaint
07/02/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
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 TeamInitial Complaint
06/17/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
I bought some 18" wire wheels form wheel specialist on April 13th, the wheels included tires,wheels,spinners,adapters and installation tool. ******** took a month to ship, shipment came incomplete, I reached out to merchant as well as Pay Tomorrow, both of the don't acknowledge my frustration with this situation, but no way to get then to comply. Wheel Specialist is getting 3k for those wheels, Pay Tomorrow is getting 1k for financing and I still can't get my wheels mounted. They keep pulling the money out of my account $89.00 every week, and are holding my credit as a hostage. The "legal document" that they cake up with doesn't include all the parts that were part of the sale, it doesn't show any kind of consequences to the merchant for nor meeting their part of the deal, but it does say all the bad things that will happen to me and my credit if I miss a payment, along with all the extra charges that I would be forced yo pay, and if I don't return the wheels my account will then be reported as delinquent. I asked pay tomorrow to drop a certain percentage of the overall price, since ******** is not fulfilling his end of the transaction, plus I had to spend additional money getting the parts merchant failed to send. For 4k I think the transaction should had been a more pleasant experience, but it has turned into a nightmare that I can't wake up from. I would much rather return the wheels, get whatever $ I have spent on it back. The wheels are still in their original package, because I haven't been able to mount then. We're going into the third month since I purchased them. I have sent email after email to pay tomorrow, and I stopped with Wheel specialist because it's a dead line.Business response
06/26/2024
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 TeamInitial Complaint
05/10/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
The Business offers financing but does not disclose in the advertisement that there is a lease loan and term loan which is basically charging a consumer 50% interest on the product. Advertisement state 12 months then sends two contracts to sign once signed the company provides a welcome call explaining your options to pay. Original cost 900. Total cost *******Business response
05/20/2024
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 TeamCustomer response
05/20/2024
I am rejecting this response because:
I would like to know this is going to be addressed before closing the episode. I believe a response to how this will be fixed is appropriate and not a conversation which is what I had with the person I spoke to on the phone who basically stated it is what it is and because you failed to see this before Feb you have to pay.Business response
06/12/2024
Paytomorrow will not be able to adjust the finance type. The only financial products we offer are a lease to loan to own. WE have sent a link of the application recording to the customer. During the recording it outlines the terms for repayment.
Initial Complaint
04/28/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
Account number *****. I reached out to ********************** in February to ask for a reduce payment amount over losing an income in my household. They agreed to lower my monthly payment to keep me on track. After making my payments as agreed upon from pay tomorrow, on April 27th I received a email from the one credit reporting agency saying new account showing with negative remarks. Pay tomorrow reported my account since December as 180 days late lowering my credit score to all 3 major credit bureaus. At no time when I asked to lower to monthly payment was this mentioned to me from them. When I reached out to pay-tomorrow on April 26th to ask about this, customer service rep said your late we only agreed to for a payment reduction one time , funny cause my payments are automatically deducted from my bank account on the 24th of each month and March you took the deducted payment agreed upon plus tried on April 24th for same account agreed upon. Rep stated also they just got approved to report stuff to the credit Bureau , company is full lies and now have ruined my credit lowering my credit score with this negative and fake report. Im asking them at this point to agree and remove all negative remarks plus this account on my 3 credit bureaus reports as they falsely reported wrong information. My next step will be filing a complaint with the state attorney office , plus hiring an attorney to file a lawsuit for wrongful business infractions. I will be going ahead and paying off the last $400 of this loan May 6th week instead of doing the payment reduction plan since they want to report false information.Business response
04/29/2024
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 (FCRA), we will report both your dispute and resolution to the credit agencies.Please note that corrections can take up to 60 days to appear on your credit report. You may also want to file a dispute directly with the credit agencies.If so, please use this link:
**************************************************************Initial Complaint
04/18/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Paytomorrow has falsely claimed my account have not been paid in full and have reported to the credit bureaus which negatively impacted my credit score. The last payment that was owed to the company was $7.36 which was automatically taken out of my account. This was the last payment!Business response
04/19/2024
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 (FCRA), we will report both your dispute and resolution to the credit agencies.Please note that corrections can take up to 60 days to appear on your credit report. You may also want to file a dispute directly with the credit agencies.If so, please use this link:
**************************************************************Initial Complaint
04/05/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
In March 2023, I financed tires for $865.22. My contract stated 26 payments of $30.24, totaling $816.36. I have already paid $816.48, exceeding the agreed minimum.The company website shows an "Early Buyout" of $952.64 and an "Early Payout Quote" of $1,425.24. They claim I signed two contracts: a lease AND a loan with 12% interest. This was never explained to me.Even accounting for 12% interest, the additional amount owed is excessive. The website lacks transparency, provides no payment history, and I cannot remove my card information. **************** was abusive when I expressed concerns.The provided lease document lacks an account number and start date and is for a suspiciously lower sale price of $608.88, which still doesn't account for a balance of $952.65. It also appears unsigned. I do not recall signing two contracts. This feels like a predatory lending practice. I demand an explanation of the charges and the removal of my payment information.Business response
04/05/2024
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 TeamCustomer response
04/05/2024
I am rejecting this response because: I got a phone call from ***** who again, proceeded to start yelling at me so I hung up. Paytomorrow insists that I two signed contracts totally $1425.36 for 24 months. I explained I have never received two contracts let alone signed two contracts. I signed ONE contract for the original purchase amount of $865.22 that was for 27 bi-weekly payments. If they're correct about the 12% interest then at the MOST I owe this company ******. However, at this time I have satisfied the terms in the LOAN agreement by paying ******. My signature is NOT on either of these contracts, nor are they even dated. The lease has ZERO information on it about start dates etc and it doesn't even have an account number. I would not ever agree to pay for a $865 purchase with an overage cost of $560. It defeats the purpose of financing. I explained that those are not my LEGAL signatures and are typed versions of my name. She states that I would have HAD to sign these contracts for me to make the purchase. It's also worth noting that according to my credit report, as of 2/27/2024, I have one open account with ********************** and only owe $120. Seeking legal counsel.Business response
04/11/2024
We appreciate your feedback,
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.Initial Complaint
04/05/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
This company keeps contacting me after I have told them numerous times I don't have any knowledge of a debt I owe to them and that if it is something that was purchased under my name it's incorrect and not me who purchased. I was a victim of identity fraud last year and I have a freeze on my information. I would like them to stop contacting me and threatening to report me to credit bureaus.Business response
04/05/2024
Thank you for reaching out regarding our recent credit bureau reporting. We take the responsibility of reporting credit activity very seriously.
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 effect 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 *** form (see link below) and a police report.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 ***s online form. Click the link and choose I Want to Report Identity Theft and follow the prompts for loans and leases.
*****************************************
OPTIONAL: Here is a link to a letter suggested by the *** for disputing accounts with PayTomorrow and anyone else who may have fraudulent accounts in your name:
*********************************************************************************
The following link from the *** provides some other useful information to help you.
*************************************Initial Complaint
03/25/2024
- Complaint Type:
- Order Issues
- Status:
- Answered
Pay Tomorrow LLC. Owns the title to my motorcycle which has been paid off.. two people from Pay Tomorrow are on the Title as lien holder and another that released the lien to UOwn, these are sister companies. UOwn sent a release of lien but PAY TOMORROW, ************************* name is on the title. And released to someone, Im guessing UOwn. Last year.. I need my title release, from **** and only ****. Not more excuses.Business response
03/26/2024
Were sorry to hear you had such a negative experience.
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.
Please contact our office at ************ so that one of our customer service
managers can discuss your situation in greater detail.Initial Complaint
03/08/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Pay Tomorrow LLC has violated the Fair Debt Collection Act and Rule 777. They have called me more than 7 times within a week and left voicemails about the debt. Please see attachments for proof of record. I am requesting that they dissolve the debt to zero if any further calls are made after receipt of the letter.I have sent them a cease and desist letter via email and overnight mail. I have attached the letter for your connivence and the record of the voicemails. I also have the voice recordings of the voicemails as well if you need them.Business response
03/08/2024
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.Customer response
03/11/2024
I am rejecting this response because:
I am still being harassed by Pay Tomorrow LLC after sending them via email and mail a cease and desist notice. All calls are required to stop from Pay Tomorrow LLC. please see attachment.Business response
03/14/2024
I will have a manager call you since we have not heard from you.Initial Complaint
03/07/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Re: Request for Assistance with Pay Tomorrow Credit Collection Account Dear Sir/*****,I am writing to seek the assistance of the Better Business Bureau regarding a credit collection account associated with Pay Tomorrow that has appeared on my credit reports. I have recently reviewed my credit reports from the three major credit bureaus (Equifax, Experian, and TransUnion) and was surprised to find a collection account listed under the name "Pay Tomorrow."I would like to state unequivocally that I have no knowledge of this account, and I do not recall ever engaging in any transaction or agreement that would result in a collection account. I believe this entry *** be a mistake or a case of identity theft.As this erroneous information is negatively impacting my credit score and financial reputation, I respectfully request your assistance in investigating this matter. Specifically, I would like the following actions to be taken:1. Investigation: Please conduct a thorough investigation into the Pay Tomorrow credit collection account to determine the source and validity of this entry.2. Removal of Inaccurate Information: If the investigation concludes that this account is indeed inaccurate or fraudulent, I kindly request that it be removed from all my credit reports immediately.3. Confirmation* Upon resolution, I would appreciate written confirmation that the account has been removed and that my credit reports have been corrected accordingly.I have attached copies of my credit reports highlighting the disputed account for your reference. I am willing to provide any additional information or documentation that *** be required to assist in this matter.Thank you for your attention to this urgent issue. I look forward to your prompt response and assistance in resolving this matter.Sincerely,*********************Business response
03/07/2024
Wed love to talk with you and answer any questions you may have about your
program. Please feel free to give us a call at *************] and we will assist
immediately!
Thank you,
Paytomorrow
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Customer Complaints Summary
47 total complaints in the last 3 years.
32 complaints closed in the last 12 months.