ComplaintsforPayTomorrow LLC

• Initial Complaint

  12/12/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I currently am paying a lease payment for tires. I am current on my payments but this company refuses to keep/ give accurate info to TransUnion. I make my payment every 2nd of the month yet transunion keeps telling me that Ive missed payments and Im currently late. I have the receipts. I have contacted both companies numerous times with no help from anyone.

  Business response

  12/12/2023

  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:
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• Initial Complaint

  10/17/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I made a purchase using Pay Tomorrow's buy now pay later agreement. Since my purchase in February 2023 it has been a nightmare trying to work with this company.This has come to a head as of 10/14/2023. Pay Tomorrow took an automatic payment from my bank account 30+ days before the payment was due! in addition they aren't even updating their customer portal to reflect the payment. I emailed their customer support on the morning of 10/16/2023 and received a snippy and unhelpful response stating I agreed to auto pay in my buyers contract. They did not explain why it was deducted 30+ days before my payment due date and told me to have early payments show on the customer portal, I have to call their customer service line! I didn't even initiate the early payment, they took it out a month early. I emailed a response and received no response back. I sent another inquiry in and their rep closed the case without even responding to me. I want my auto pay cancelled and I want my payment reflected on the customer portal.

  Business response

  10/17/2023

  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

  10/17/2023

   
  I am rejecting this response because:A representative from your company called me at 9:30am eastern time **, *********, told me she fixed which card my auto payments should be coming from, that she moved my new due date to 12/15/2023, and that I would not have another auto pay until then. She confirmed the customer portal has been updated. 

  Now I log back in the customer portal and NOTHING HAS CHANGED. Nothing she said she was doing was completed. I've attached a new screesnhot showing the date and time stamp in the bottom right corner. 

   

  
  

  Business response

  10/17/2023

  Attached is a view of your account in our platform. As you can see the next paydate is set for 12/15/2023. I am asking IT to look into why the portal did not update. 

  Customer response

  10/18/2023

   
  I am rejecting this response because:
  The customer portal is still wrong. You moved my due date to 12/15 but last payment date still says 9/29. See attached. 

  Business response

  10/18/2023

  I will ask IT to look into it.

  Customer response

  12/18/2023

  I am rejecting this response because: Once again this horrible lender has taken my monthly payment from the wrong debit card. After filing BBB case #********, pay tomorrow representatives advised they would no longer take payment from debit card ending in **** yet immediately did so on my following payment dated 12/15/23 for $231.39. Refund this debit card immediately as you were advised you were no longer authorized to use this card. If not, I will send all communications including the previous BBB case as proof to ESL ************ that you were instructed never to use this card ending in **** again in which you agreed.

  Business response

  01/05/2024

  Called 1/5/2024 to discuss the complaint. The voicemail picked up so there was a message left. The message included my contact information for ******************** to return my call.

• Initial Complaint

  10/09/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  Multiple days including 10/6 and 10/7/23 The site said any credit is approved but it keeps denying me and reading me an error saying address does not match. I have tried all of my existing address with no success and ******* i spoke with had no result for me in this matter.

  Business response

  10/09/2023

  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.

  Customer response

  10/09/2023

   
  I am rejecting this response because:
  I have tried reaching out to the number that was provided but it goes straight to voicemail.  I have left a voicemail but no one has returned my call. 

  Business response

  10/10/2023

  I call the customer directly and discussed the roadblock that were keeping her from getting approved.

   

  Customer response

  11/27/2023

   
  I am rejecting this response because:
  

  This site says everyone is approved. And it was not based on my credit. I applied over a month ago and was denied because the address on my credit doesnt match the address I entered for delivery. I moved offcourse it does not match. Then I was told I had to wait a month to reapply so I did and the denial kept telling me that I was rejected by the lender because I updated to many times. After speaking with a rep who stated the system has to be reset and wait 24 hours to reapply I did. I was denied again stating info on my credit did not match as well as other factors. I make more than enough money but the application does not even ask that. Can this be resolved.

  Business response

  12/06/2023

  I will be calling the customer directly. 

• Initial Complaint

  10/02/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  So I lease something from pay tomorrow years ago. For some reason they got ghost for a year or two to find out the third year they calling non stop. They are trying to take money out my card WITHOUT my consent. Then when I do get in contact with them and tell them a date when ima pay they are very rude. The manager from pay tomorrow was very rude and sassy when we talk. When I told them Monday they tried to take money out everyday before Monday. They been harassing me everyday from different numbers and this got to stop before I get a lawyer in this case

  Business response

  10/02/2023

  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.
  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

  09/29/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I am filing a complaint against this company for this reason. Yes, they have a "lease to loan" disclaimer that you must agree to before proceeding with the loan, however the purposefully do not disclose any numbers or loan amounts in these terms. I purchased a $3000 laptop through Digital Storm, and unfortunately PayTomorrow was the only financing option at the time. I have used Bread in previous purchases through them and their terms are clear and you don't pay a dollar more than the purchase price. Paytomorrow's terms state that the first 12 months are a lease, so you can return the product. The next 12 months are the remainder of the loan. Now the reason they word it this way is so they can make a 200% profit on any product you buy with their financing. If I had known I would be paying $3000 two times, I would have never used them. NOBODY would agree to that service, and this shady method is how they get people to agree to their financing. I was under the impression that the first 12 months would be half the cost, $1500. and I don't have ownership until after the first half is paid, something along those lines would make sense as a financing company. I did not agree to paying $6000, I just agreed to the lease to loan terms which are not clearly explained, as again, they do not provide any dollar amounts, or total loan costs. They know what they are doing. If they were to include any transparent numbers, not a SINGLE person would use their service. Even banks and car loan companies are not this disgraceful. To anyone that reads this, stay away from this company. Do not make the same mistake we did. And the customer service was disgustingly rude, laughed in my face when I told them my hardships and how this is burdening me financially.

  Business response

  10/02/2023

  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.
  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

  09/27/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  The company states that any credit type is accepted, but I have been denied.

  Business response

  09/27/2023

  I will contact you today.

• Initial Complaint

  09/21/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  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 or call me or speak to me in person. Someone ordered tires under my name. I have receipts showing where I buy my used tires locally. This company need to start verifying their information before giving any *** d*** ***** product at a click of a button

  Business response

  09/21/2023

  We apologize for the inconvenience you may have experienced. Wed love to talk with you and answer any questions you may have and help you close out the financing.

• Initial Complaint

  07/28/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  Purchased Motorcycle through pay tomorrow with no break down of the payments until after purchase. After making multiple payments and being in contact with company and not wanting to buy out after lease, pay tomorrow would not let me return item as stated if I wasnt happy before switch over to loan with customer service being rude and not being able to speak to management each time being put off that no one is available. They go silent for 2 years then hit my credit with 25 late payments out of no where when lease portion of agreement was never completed. This company should be shut down and all sent to prison for fraudulent activity. I will be following up with lawsuit against this company.

  Business response

  07/31/2023

  Thank you for reaching out regarding the 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. Any incorrect reporting will be corrected with the agencies. We will report both your dispute and our resolution to the credit agencies. If you also want to file a dispute directly with the credit agencies, please use this link:
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  Customer response

  07/31/2023

   
  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

  07/27/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Hello Better Business Bureau,I am filing a complaint with creditor Paytommrow. I contacted the creditor and spoke with collections manager *********************** on 7/24/23. ***** informed me, if I paid the balance of $838.04 they would reverse late reporting. I spoke with ***** on 7/26/23 and ***** said they wouldnt be able to reverse the late payments and honor what they agreed to. This creditor used deceptive and unethical tactics. The creditor isnt honoring what we agreed to. Thank you.

  Business response

  07/27/2023

  Thank you for reaching out regarding the 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. Any incorrect reporting will be corrected with the agencies. We will report both your dispute and our resolution to the credit agencies. If you also want to file a dispute directly with the credit agencies, please use this link:
  **************************************************************

• Initial Complaint

  07/24/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Never had an account with this company this company. Please delete these account off my credit report before I take legal actions.

  Business response

  07/24/2023

  We have opened an investigation into your complaint and will contact you directly with our findings. Disputes with Transunion reporting can be filed at:
  **************************************************************). If you have any further questions please reach out to us at ************.

  Customer response

  07/24/2023

   
  I am rejecting this response because:
  I did not open these account. I need you to reach out to the credit bureau and have this taken off my credit report. If not I will be getting in contact with  my lawyer

  Business response

  07/31/2023

  Thank you for reaching out regarding the 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. Any incorrect reporting will be corrected with the agencies. We will report both your dispute and our resolution to the credit agencies. If you also want to file a dispute directly with the credit agencies, please use this link:
  **************************************************************

  Customer response

  07/31/2023

   
  I am rejecting this response because:
  Please send me any information I placed these orders. If any signatures please also send. 

  Business response

  07/31/2023

  Here are your Lease contracts for both accounts

  Customer response

  07/31/2023

   
  I am rejecting this response because:
  Dont recall ordering these items. Might be someone from my office. How do I get this off my credit report

  Business response

  07/31/2023

  Thank you for reaching out regarding the 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. Any incorrect reporting will be corrected with the agencies. We will report both your dispute and our resolution to the credit agencies. If you also want to file a dispute directly with the credit agencies, please use this link:
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  If you are a victim of Identity theft, please see the attached document. We will require a copy of the *** online form , police report and letter stating the identity theft. Here is a link to a sample letter suggested by the ***:
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*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. ↩