CFPB · Narrative-heavy record
Pay-O-Matic
18 CFPB complaints · 72.2% with narratives · top issue Problem with customer service.
Pay-O-Matic: 72.2% of 18 filings include consumer narratives. Timely 83.3% · relief 5.6% · top product Money transfer, virtual currency, or money service. Allegations, not findings.
- Narrative-heavy record
- 0% filings 2015 to 2025
CFPB relief outcome brief
CCDB company pay-o-matic
5.6% relief · 83.3% timely · 18 filings · Money transfer, virtual currency, or money service
Same-product relief peers
Nearest relief peer: Foris DAX, Inc. (5.4% relief)
Pay-O-Matic closes 5.6% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of Pay-O-Matic's 18 filings include narrative text
72.2% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Pay-O-Matic complaint mix by product
- Money transfer, 7 38.9% – 0% relief
- Debt collection 5 27.8% – 0% relief
- Prepaid card 2 11.1% – 0% relief
- Credit card 2 11.1% – 0% relief
- Other financial 1 5.6% – 0% relief
- Money transfers 1 5.6% – 100% relief
How Pay-O-Matic's 18 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Money transfer, virtual currency, or money service | 7 |
| Debt collection | 5 |
| Prepaid card | 2 |
| Credit card or prepaid card | 2 |
| Other financial service | 1 |
| Money transfers | 1 |
Concentrated filing states for Pay-O-Matic
Top states by attributed CFPB complaint volume for this company
- Leading state
- NY
- 77.8% of this company's filings
Pay-O-Matic complaints by year
Annual filing volume from the CFPB public database
- 2025
- 2
- 0% vs 2015
Top States
| State | Complaints |
|---|---|
| NY | 14 |
| WV | 1 |
| WA | 1 |
| NC | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Problem with customer service | 5 |
| Communication tactics | 4 |
| Trouble using the card | 1 |
| Confusing or missing disclosures | 1 |
| Other transaction problem | 1 |
| Unauthorized transactions/trans. issues | 1 |
| Fraud or scam | 1 |
| Other service issues | 1 |
| False statements or representation | 1 |
| Unexpected or other fees | 1 |
| Problem getting a card or closing an account | 1 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2015 | 2 | 0% |
| 2016 | 1 | 100% |
| 2017 | 1 | 100% |
| 2018 | 3 | 100% |
| 2019 | 3 | 100% |
| 2020 | 1 | 100% |
| 2022 | 1 | 0% |
| 2023 | 1 | 100% |
| 2024 | 3 | 100% |
| 2025 | 2 | 100% |
Source: CFPB Consumer Complaint Database
Pay-O-Matic's narrative-rich complaint ledger
Pay-O-Matic's 18 logged complaints stay concentrated: only 4 states show a filing. 72.2% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2015 through 2025-07-18.
Pay-O-Matic answers 83.3% of complaints inside the CFPB's tracked window and closes 83.3% with a written explanation. 5.6% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Money transfer, virtual currency, or money service" draws the most filings, most often for "Problem with customer service."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about Pay-O-Matic.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for Pay-O-Matic: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 18.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 83.3%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for Pay-O-Matic (83.3% timely; 5.6% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Narrative-heavy record