Credit bureau · complaint record
PayTomorrow complaints
Filed under PayTomorrow, LLC
Consumers have filed 111 complaints about PayTomorrow since 2018, 37 of them in the last 12 months (+28% on the year before). It answered 94.6% on time and closed 0% with relief for the customer - less often than a typical credit bureau. The most common problem is incorrect information on your report.
Poor response record. How it works
- Complaints on record
- 111
- Last 12 months
- 37
- Answered on time
- 94.6%
- Closed with relief
- 0%
- Last 30 days
- 2
- Rank
- #109 of 566
Since December 2018
+28% vs the year before
Industry: 99.9%
Typical credit bureau: 32%
Newest: Nov 5, 2026
Most complained-about credit bureaus & report companies
PayTomorrow complaints by month
The busiest month was July 2024 (8 complaints). Complaints in the last 12 months are up 28% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How PayTomorrow answered last 12 months
- Closed with explanation37100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time21/4594.6% on time
- Relief for customers0/400% closed with relief
- Complaint trend7/15+28% vs last year
What PayTomorrow complaints are about
Top PayTomorrow problems
Inside "Incorrect information on your report"
- Account status incorrect 15
- Information belongs to someone else 10
- Account information incorrect 5
- Old information reappears or never goes away 1
Where PayTomorrow complaints come from
Most complaints: Texas (15), California (9), Florida (8), North Carolina (7), South Carolina (7).
PayTomorrow compared with other credit bureaus & report companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | CARCO GroupCredit reporting | 11 | 37 | F |
| 2 | Avid AcceptanceCredit reporting | 55 | 37 | C |
| 3 | PayTomorrowCredit reporting | 28 | 37 | F |
| 4 | Kubota North AmericaCredit reporting | 52 | 36 | C |
| 5 | Fidelity CapitalCredit reporting | 10 | 36 | F |
| 6 | MillimanCredit reporting | 60 | 35 | C |
| 7 | Sterling InfosystemsCredit reporting | 47 | 34 | D |
| 8 | DreamSpringCredit reporting | 60 | 34 | C |
Compare side by side: PayTomorrow vs CARCO Group · PayTomorrow vs Avid Acceptance · PayTomorrow vs Kubota North America · PayTomorrow vs Fidelity Capital
What people say about PayTomorrow
All experiencesNo experiences with PayTomorrow yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest PayTomorrow complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 5, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 26, 2026 | Payday & personal loans | Struggling to pay your loan | Explained |
| Sep 25, 2026 | Payday & personal loans | Struggling to pay your loan | Explained |
| Sep 18, 2026 | Payday & personal loans | Problem with the payoff process at the end of the loan | Explained |
| Sep 10, 2026 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Sep 4, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Aug 12, 2026 | Credit reporting | Incorrect information on your reportOld information reappears or never goes away | Explained |
| Aug 8, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Jul 16, 2026 | Debt collection | Written notification about debtDidn't receive enough information to verify debt | Explained |
| Jul 2, 2026 | Debt collection | Communication tacticsFrequent or repeated calls | Explained |
| Jul 1, 2026 | Payday & personal loans | Charged fees or interest you didn't expect | Explained |
| Jun 30, 2026 | Payday & personal loans | Problem when making payments | Explained |
Questions about PayTomorrow
How many complaints does PayTomorrow have?
PayTomorrow has 111 complaints on record since December 2018, including 37 in the last 12 months and 2 in the last 30 days. That makes it number 795 of every company by complaints this year.
Does PayTomorrow respond to complaints?
Yes. PayTomorrow answered 94.6% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 28/100 (grade F).
What do people complain about most with PayTomorrow?
The most common problems are incorrect information on your report (31), communication tactics (11), attempts to collect debt not owed (11).
Is PayTomorrow legit?
PayTomorrow is a real company with a public complaint record: consumers have complained about it 111 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is PayTomorrow legit? for the signals, red flags and how to protect yourself.
Are complaints about PayTomorrow going up or down?
Up. There were 37 complaints in the last 12 months against 29 in the 12 before (+28%). See every month.
How do I file a complaint against PayTomorrow?
Complain to PayTomorrow in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most PayTomorrow complaints come from?
Most come from Texas (15), California (9), Florida (8). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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