Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:03/05/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  PayHOA has been sent all the information they need to correct a misappropriated payment to my account with my HOA. They resolved this for me and then either switched it back or allowed my HOA to do so. They will not respond to any of my emails which included payment/transaction history on my account and who made changes. I have had to file complaints with multiple agencies because they don’t have the decency to even reply to my email. I also asked what bank processed my check because whoever did so, made it where my bank can’t read their bank name. They are preventing me from pursuing this with other agencies.
  
  My account shows I only paid $100 to my annual dues. My invoice, payment slip and check ALL state my payment was for my dues. If they cause me to have late fees for not responding to emails for financial information, this is going to be escalated further. It’s in their best interest to fix this and they can’t tell me my HOA needs to. They are who control what can be done with my payment, they own the software and the data.

  Business Response

  Date: 03/05/2025

  ******** HOA uses our software for their invoicing, payment processing, and accounting. ******* made a $425 payment which applied to his oldest invoices first. He asked our support team to apply the payment to his annual dues instead of the most outstanding invoices. This is a common request and our support team applied the payment per his request. The HOA Board (authorized user in PayHOA) told our support team that they want the payments applying to the most outstanding invoices first, and so we re-applied the payment as it originally applied. It is ultimately up to the HOA board and their bylaws how they want payments to apply to invoices. It is not up to PayHOA. The authorized user in ********* community has asked us not to reply to payment application inquiries from ******* because they are in a legal dispute and want all communication to flow through the board. All of the communications from ******* have been shared with the authorized PayHOA user in his community. This is not a PayHOA issue. There is no dispute that ******* made a $425 payment and that payment is fully reflected in his account history. ******* wanting the payment to apply to his dues instead of violation fines or late fees is an issue between ******* and the HOA board. 

   

  Best,

  Mike Bollinger

  Customer Answer

  Date: 03/05/2025

  
  Complaint: *******
  
  
  I am rejecting PayHOA’s response because they allowed the misallocation of my payment and failed to correct the issue once brought to their attention. PayHOA’s platform directly contributed to the mishandling of my payment, making them responsible for the error.
  
  
  I made a payment for my annual dues, following PayHOA’s instructions by submitting the payment slip. Initially, the payment was not applied to my dues, and I had to contact PayHOA to fix it. However, PayHOA allowed the HOA to change it back or made the change themselves, applying the payment to older charges. This is a violation of my rights as a homeowner and a financial transaction issue.
  
  
  PayHOA is enabling my HOA to retaliate during an ongoing Fair Housing Act investigation. If this issue is not corrected and the payment is not applied in full to my dues, PayHOA will be directly involved. I request the BBB not accept PayHOA’s response if they do not correct the payment allocation.
  
  
  PayHOA’s actions violate multiple laws:
  1. Electronic Fund Transfer Act (15 U.S.C. § 1693 et seq.): PayHOA altered my payment without consent, violating federal law.
  2. UCC Article 4A: Payments must be processed per the sender’s instructions. PayHOA’s actions are a violation.
  3. Federal Trade Commission Act (15 U.S.C. § 45): Allowing misallocation without clear authorization may constitute deceptive trade practices.
  4. Oklahoma Consumer Protection Act (Title 15 O.S. § 751 et seq.): PayHOA’s actions may violate consumer protection laws.
  
  
  HOA dues are governed by contract. Courts have ruled payments for HOA dues are pre-determined and cannot be altered without the homeowner’s consent. PayHOA’s actions, including allowing improper charges, are a breach of contract and may violate consumer rights.
  
  
  If not resolved by March 16th, I will file another complaint with the FTC for PayHOA’s involvement in fraudulent activity. I demand my payment be applied in full to my dues.
  
  
  Sincerely,
  ******* *****

  Business Response

  Date: 03/06/2025

  PayHOA did not misallocate ********* payment. All check payments default to paying invoices in order of earliest date outstanding, which is how the payment was originally allocated. In an effort to accommodate ********* request made directly to us, we updated the allocation to pay his 2025 dues. After we updated this allocation, our customer account holder (********* HOA) decided in accordance with its HOA policies to allocate the payment to different invoices. The way the payments are allocated to invoices is ultimately up to the HOA, not up to us or our software, and we cannot override the HOA’s determination of how to allocate its homeowner funds to outstanding invoices. This is a matter that can only be handled between ******* and the HOA.
  

  Customer Answer

  Date: 03/07/2025

  
  
  Complaint: *******1
  
  
  
  I am rejecting this response because:
  
  
  I am including the governing documents of my HOA. Nowhere in these documents is the authority given to PayHOA, or the HOA itself, to alter payments that have been made. Even if there were such authority, the manner in which this alteration has occurred is unlawful.
  
  
  PayHOA is responsible for the actions of their customers, as they are facilitating payment processing on behalf of the HOA. According to the law, PayHOA cannot alter payments made to the HOA or misallocate them in any manner. As a service provider, PayHOA is obligated to follow the rules outlined in the governing documents of the HOA and cannot take actions that violate those rules, especially when those actions are harmful to me.
  
  
  The following laws are being violated by PayHOA’s actions:
  • Oklahoma Consumer Protection Act (Okla. Stat. tit. 15, § 751 et seq.)
  • Oklahoma Uniform Commercial Code (UCC) - Article 3: Negotiable Instruments (Okla. Stat. tit. 12A, § 3-101 et seq.)
  • Oklahoma Deceptive Trade Practices Act (Okla. Stat. tit. 78, § 51 et seq.)
  • Oklahoma Uniform Consumer Credit Code (UCCC) (Okla. Stat. tit. 14A, § 1-101 et seq.)
  • Electronic Funds Transfer Act (EFTA) (15 U.S.C. § 1693 et seq.)
  • Unfair Business Practices (Federal Trade Commission Act, 15 U.S.C. § 45)
  • Oklahoma Computer Crimes Act (Okla. Stat. tit. 21, § 1951 et seq.)
  • Larceny (Okla. Stat. tit. 21, § 1701)
  • Theft by False Pretenses (Okla. Stat. tit. 21, § 1541)
  
  
  I am requesting that PayHOA immediately correct the allocation of my payment to reflect the proper dues as outlined by my HOA’s governing documents. The misallocation of my payment, and the violation of these laws, is a serious matter that cannot be ignored. PayHOA cannot avoid liability for their unlawful actions, including those carried out by the customers using their system.
  
  
  
  
  ******* *****

  Customer Answer

  Date: 03/10/2025

  
  Complaint: *******1
  
  I am rejecting this response because:
  
  
  I am including the governing documents of my HOA. Nowhere in these documents is the authority given to PayHOA, or the HOA itself, to alter payments that have been made. Even if there were such authority, the manner in which this alteration has occurred is unlawful.
  
  
  PayHOA is responsible for the actions of their customers, as they are facilitating payment processing on behalf of the HOA. According to the law, PayHOA cannot alter payments made to the HOA or misallocate them in any manner. As a service provider, PayHOA is obligated to follow the rules outlined in the governing documents of the HOA and cannot take actions that violate those rules, especially when those actions are harmful to me.
  
  
  The following laws are being violated by PayHOA’s actions:
  • Oklahoma Consumer Protection Act (Okla. Stat. tit. 15, § 751 et seq.)
  • Oklahoma Uniform Commercial Code (UCC) - Article 3: Negotiable Instruments (Okla. Stat. tit. 12A, § 3-101 et seq.)
  • Oklahoma Deceptive Trade Practices Act (Okla. Stat. tit. 78, § 51 et seq.)
  • Oklahoma Uniform Consumer Credit Code (UCCC) (Okla. Stat. tit. 14A, § 1-101 et seq.)
  • Electronic Funds Transfer Act (EFTA) (15 U.S.C. § 1693 et seq.)
  • Unfair Business Practices (Federal Trade Commission Act, 15 U.S.C. § 45)
  • Oklahoma Computer Crimes Act (Okla. Stat. tit. 21, § 1951 et seq.)
  • Larceny (Okla. Stat. tit. 21, § 1701)
  • Theft by False Pretenses (Okla. Stat. tit. 21, § 1541)
  
  
  I am requesting that PayHOA immediately correct the allocation of my payment to reflect the proper dues as outlined by my HOA’s governing documents. The misallocation of my payment, and the violation of these laws, is a serious matter that cannot be ignored. PayHOA cannot avoid liability for their unlawful actions, including those carried out by the customers using their system.
  
  
  ******* *****

  Business Response

  Date: 03/10/2025

  There has been no alteration or misallocation of payments by PayHOA. PayHOA’s system requires allocation of payments as directed by the HOAs. PayHOA does not have any ability to remedy this situation. This is a matter that can only be resolved between the consumer and his HOA.

  Customer Answer

  Date: 03/13/2025

  PayHOA has already admitted to altering my payment. The issue is not whether they “can” fix it—they initially corrected it, then intentionally changed it again.
  HUD is investigating my HOA for FHA violations, and there are pending complaints with the **** and Oklahoma **** C******* ********** ****. I planned to wait for these cases to conclude before taking further action. However, due to PayHOA's involvement, I must now seek legal representation.
  PayHOA has violated payment processing laws:
  UCC § 3-206 & § 3-407 – Payments with specific instructions must be applied accordingly.
  Electronic Funds Transfer Act (15 U.S.C. § 1693) – Unauthorized modifications to electronic payments are illegal.
  Fraudulent Financial Transactions (21 O.S. § 1541.1) – Altering a payment is fraud.
  Tampering with Financial Instruments (21 O.S. § 1592) – Unlawfully changing a payment’s application is a violation.
  Mail & Wire Fraud (18 U.S.C. § 1341 & § 1343) – Facilitating fraudulent financial transactions is a federal crime.
  This isn’t an HOA dispute—it’s financial misconduct. My check’s memo line and invoice slip explicitly stated it was for 2025 dues, yet PayHOA overrode those instructions without authorization, despite providing documentation proving they cannot.
  We’re not making progress. Unless they fix my payment, I will not accept their resolution. If they refuse, I will add them to my FHA complaint and update the Oklahoma AG. I understand you may need to close this case, but let it be clear that PayHOA has admitted to changing the payment.
  I may need to ask if "Elephant" is required to disclose to its investors any concerns about a company potentially violating state and federal laws. As a veteran, I understand the implications when federal laws are broken and the liabilities it places on a company, including from anyone affiliated with the company.