Perpay, Inc.
230 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
Perpay, Inc. complaint mix by product
- Credit reporting 111 48.5% – 2% relief
- Debt collection 54 23.6% – 2% relief
- Credit card 44 19.2% – 2% relief
- Payday loan, 13 5.7% – 0% relief
- Money transfer, 3 1.3% – 0% relief
- Prepaid card 2 0.9% – 50% relief
- Checking or 2 0.9% – 0% relief
How Perpay, Inc.'s 230 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Credit reporting or other personal consumer reports | 111 |
| Debt collection | 54 |
| Credit card | 44 |
| Payday loan, title loan, personal loan, or advance loan | 13 |
| Money transfer, virtual currency, or money service | 3 |
| Prepaid card | 2 |
| Checking or savings account | 2 |
| Debt or credit management | 1 |
Top States
| State | Complaints |
|---|---|
| TX | 42 |
| GA | 20 |
| FL | 16 |
| NC | 15 |
| SC | 14 |
| IL | 12 |
| AL | 10 |
| CA | 10 |
| TN | 10 |
| NY | 8 |
| OH | 6 |
| MI | 6 |
| VA | 5 |
| MS | 5 |
| NJ | 5 |
| NV | 5 |
| MD | 5 |
| CO | 4 |
| OR | 4 |
| PA | 4 |
Top Issues
| Issue | Complaints |
|---|---|
| Incorrect information on your report | 80 |
| Attempts to collect debt not owed | 32 |
| Problem with a company's investigation into an existing problem | 20 |
| Improper use of your report | 18 |
| Took or threatened to take negative or legal action | 10 |
| False statements or representation | 9 |
| Problem with a purchase shown on your statement | 9 |
| Other features, terms, or problems | 6 |
| Getting a credit card | 5 |
| Problem with additional add-on products or services | 5 |
| Trouble using your card | 4 |
| Charged fees or interest you didn't expect | 4 |
| Written notification about debt | 3 |
| Advertising and marketing, including promotional offers | 3 |
| Closing your account | 3 |
| Problem when making payments | 3 |
| Problem with a company's investigation into an existing issue | 2 |
| Credit monitoring or identity theft protection services | 2 |
| Fraud or scam | 2 |
| Fees or interest | 2 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2024 | 28 | 100% |
| 2025 | 96 | 100% |
| 2026 | 106 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About Perpay, Inc.
Perpay, Inc.'s 230 logged complaints stay concentrated: only 34 states show a filing on record. Only 30% of filings carry a written consumer narrative, so most of this record is coded categories rather than the verbatim complaint text. Records run from 2024 through 2026-06-04.
Perpay, Inc. answers 100% of complaints inside the CFPB's tracked window and closes 96.1% with a written explanation. 2.2% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Credit reporting or other personal consumer reports" draws the most filings, most often for "Incorrect information on your report."
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 Perpay, Inc..
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.
Frequently Asked Questions
How many CFPB complaints does Perpay, Inc. have?
230, per the CFPB's public complaint count for this company (see the full breakdown above).
Does Perpay, Inc. respond to complaints on time?
100% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about Perpay, Inc.?
"Incorrect information on your report", filed under the "Credit reporting or other personal consumer reports" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.