CFPB Consumer Complaint Profile
Pay-O-Matic
Behind the 18 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 18
- Total complaints
- Below average
- 1
- Last 12 months
- 83.3%
- Timely response
- Bottom quartile
- 4
- States affected
The verdict
Pay-O-Matic ranks #3004 of 3,843 financial companies by CFPB complaint volume, with 18 complaints on record. Its on-time response rate is 83.3%, the 11th percentile among companies with 100+ complaints.
- #3004
- of 3,843 companies by volume
- 83.3%
- on time (11th pctile)
- Money transfer, virt…
- most-complained product
- 4
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Pay-O-Matic vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
83.3% Among the lowest higher than 11% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2015 | 2 |
| 2016 | 1 |
| 2017 | 1 |
| 2018 | 3 |
| 2019 | 3 |
| 2020 | 1 |
| 2022 | 1 |
| 2023 | 1 |
| 2024 | 3 |
| 2025 | 2 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for Pay-O-Matic
Pay-O-Matic carries 18 complaints in the CFPB's database, 1 of them filed within the past 12 months. Consumers spanning 4 states and territories have weighed in, giving this a geographically concentrated footprint. "Money transfer, virtual currency, or money service" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Problem with customer service" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Pay-O-Matic posts a 83.3% reply rate on forwarded complaints. That falls short of the 95% benchmark, a gap that tends to track with more disputes downstream. Resolved cases drew a formal consumer-dispute rate of 0% - a rough measure of how often the first resolution missed the mark. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 5.6% rate.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Pay-O-Matic have?
The CFPB has logged 18 complaints against Pay-O-Matic to date, of which 1 came in over the last 12 months.
Does Pay-O-Matic respond to complaints on time?
Pay-O-Matic has a 83.3% timely response rate to CFPB complaints.
What product generates the most complaints for Pay-O-Matic?
"Money transfer, virtual currency, or money service" draws more CFPB complaints against Pay-O-Matic than any other product - see the full breakdown above.
What is the most common complaint issue with Pay-O-Matic?
The most common issue reported by consumers about Pay-O-Matic is "Problem with customer service." All complaint issues are listed above with their counts.
How do I file a complaint against Pay-O-Matic?
You can file a complaint against Pay-O-Matic directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Pay-O-Matic?
Pay-O-Matic has drawn CFPB complaints from 4 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Pay-O-Matic: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar dispute rates
Nearest companies by share of complaints marked disputed (0% here).
Also handles Money transfer, virtual currency, or money service
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does Pay-O-Matic have?
The CFPB has logged 18 complaints against Pay-O-Matic to date, of which 1 came in over the last 12 months.
Does Pay-O-Matic respond to complaints on time?
Pay-O-Matic has a 83.3% timely response rate to CFPB complaints.
What product generates the most complaints for Pay-O-Matic?
"Money transfer, virtual currency, or money service" draws more CFPB complaints against Pay-O-Matic than any other product - see the full breakdown above.
What is the most common complaint issue with Pay-O-Matic?
The most common issue reported by consumers about Pay-O-Matic is "Problem with customer service." All complaint issues are listed above with their counts.
How do I file a complaint against Pay-O-Matic?
You can file a complaint against Pay-O-Matic directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Pay-O-Matic?
Pay-O-Matic has drawn CFPB complaints from 4 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.