Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DailyPay, Inc
State: IL

Complaint narrative:
Dailypay claims there was an overpayment on my account. And every time I inquired about it for more Information and a detailed ledger of my account via the chat feature I was ignored, then the agent would leave the chat.below is a copy of the last chat BOT : Hey! XXXX! 
BOT : I'm XXXX Cents, DailyPay 's Virtual Assistant!

BOT : Type a simple question or tap on one USER : Really person right now BOT : Try me first! I know a LOT about DailyPay.

BOT : I can get you answers in seconds BOT : Type a simple question or tap on one USER : Human BOT : Please clarify, here 's what I found USER : Human BOT : Please clarify, here 's what I found USER : I want to talk to a real person right now BOT : You got it XXXX BOT : Let 's connect you with an agent!

BOT : What is the Phone number on your DailyPay account? 

USER : XXXX BOT : A live agent will be with you as soon as they can. We typically respond within XXXX minutes. During peak times your wait may be longer.

AGENT ( DailyPay Support Notifications ) : Your estimated wait time is XXXX minutes. Thanks for your patience. 

USER : Ok AGENT ( XXXX XXXX ) : Hello, my name is XXXX with the XXXX XXXX XXXX. Thank you for providing your information. I am happy to offer my assistance today. Please allow me a moment to locate your account. 

USER : I would like to speak to a supervisor immediately AGENT ( XXXX XXXX ) : How may I assist you today?

USER : I want to discuss the money that was stolen from me by dailypay USER : Put me in contact with a supervisor please USER : Is there a problem AGENT ( XXXX XXXX ) : May you please kindly elaborate when you say that dailypay stole your money USER : I want to speak to a supervisor. If u checked my account u can clearly see that dailypay is in fact stealing my money USER : So that tells me u did not pull up and review my account or u are trying to gaslight me USER : Supervisor please USER : Let the transcript show that once again I was ignored stalled and then the agent disconnected from the chat. That's 4 times now I double checked my calculations and they have taken around {$160.00} more than what they should have and then they are still taking out payments of about {$55.00} for the next XXXX paychecks. They made an error in their calculations and refuse to resolve this for me. 
Starting to feel like theft. But for now im just going to say this is violating their policy. I know it's a grey area, but they already have lawsuits pending for this exact reason. Below is copied text from part of the policy. I would say if they claim i owe them more money, then by definition it is a debt. And if it is not a debt, then the overpayment is void. 

Our right to receive your Daily Earnings is non-recourse and is not intended to create any debt obligation owed by you to us. This means that if the Hiring Entity pays us an amount that is less than the amount of the Daily Earningsfor example, if the Hiring Entity is unable to make payment because its business has slowed down or closed in the ordinary course of businessthen you will owe us nothing.

Below i have included some facts to back up my case Definition of Overpayment An overpayment is when someone ( an individual or an entity ) receives more money than they were entitled to. In employment contexts, it often happens because of administrative errors ( paying too much wages, bonuses, etc. ). 

In government / benefit programs ( like unemployment, social assistance ), overpayment means the recipient got benefits they shouldnt have ( or an amount in excess ) based on eligibility rules. 


-- - What it is called when you must pay it back If you receive an overpayment, the excess amount is a debt or obligation to repay that overpayment. Some legal terms you might see : Recoupment This is the process of recovering or reclaiming the overpaid funds ( especially in benefit or government programs ). 

Recovery Similar concept : the act of collecting the overpaid amount. 

Reimbursement You are reimbursing ( paying back ) what was mistakenly paid. 

Offset In some cases, the payer XXXX reduce future payments owed to you to recover part or all of the overpayment. 

Demand for repayment A formal notice requiring repayment of an overpaid sum. 

Below is a definition from a reputable legal source plus a general-dictionary definition, both of which are often acceptable in legal or court contexts : -- - Legal / Law-dictionary definition ( XXXX Law Dictionary / TheLawDictionary ) : XXXX A debt is a legal liability to pay a specific sum of money. 



This definition emphasizes that a debt is not just an informal expectation, but a legal obligation to pay a defined monetary amount. 


-- - General dictionary definition ( XXXX ) : > Debt ( noun ) 1. something owed ; an obligation 3. ( law & business ) t

he common-law action for the recovery of money held to be due 1.My complaint against DailyPay is the false claim that they would not hold me liable to any funds unpaid by my employer. 2.They have already taken the amount overpaid and they
are still proceeding with deductions from my next 4 paychecks and saying I only have {$0.00} available. 
XXXX. When I attempt to resolve this via the chat feature, the agent ignores me, flat out refuses to answer my questions, then leaves the chat.

4. And here is a snippet of one of my last 2 chats AGENT ( XXXX XXXX ) : XXXX XXXX, I understand how frustrating this is for you. Overpayments occur when transferred amounts exceed your paycheck. Let me review your account for a detailed summary and assist you further. 

USER : I already researched dailypay and this is a very common issue for the customers. How can u approve a transfer if the money wasn't in my earnings USER : I know what an overpayment is. U have kept my earnings for 3 days and my paycheck. I don't owe u anything. Pretty sure ur scamming me. I want my money today! 

AGENT ( XXXX XXXX ) : This is was earnings that was send to us to make available for you USER : I don't even know what u jus said. Was u speaking XXXX? 
USER : I want my money USER : All my earnings that u have withheld from. XXXX USER : Everything. Right now AGENT ( XXXX XXXX ) : I understand and that earnings will be made available in your check we only received earnings from your employer not a physical check cash so the money that is not being made available or as you say with hold is the money from the service we render USER : Omg USER : I can't believe u XXXX said ur keeping hundreds of dollars from me for services rendered USER : Calling an attorney USER : U get ur fees when I withdraw. I don't owe u for any services rendered And just to be sure I was not making a mistake in my math, I uploaded all my documents to XXXX for a second look. And XXXX came to the same conclusion. 

XXXX response below You are right to question the calculation. Based on the figures in your paycheck statement ( XXXX XXXX ), the math does suggest a potential discrepancy in the amount that was ultimately taken from your pay, which is separate from the overpayment amount of \ {$220.00}. 
Let 's re-examine the figures from the XX/XX/2025 Pay Period ( Image XXXX ) : | Line Item | Amount | Description | | -- -| -- -| -- -| | Gross earnings | \ {$1200.00} | Total pay before any deductions. | | Taxes and Deductions | -\ {$100.00} | \ {$1200.00} - \ {$1100.00} | | Net earnings | \ {$1100.00} | Your total pay after taxes/deductions. This is the amount DailyPay was entitled to collect. | | Transferred ( to DailyPay ) | -\ {$1300.00} | This is the amount DailyPay deducted from your net pay. | | XXXX : | ( {$1300.00} transfers + {$14.00} fees ) | | | XXXX XXXX / XXXX XXXX | -\ {$220.00} | This is the final result of the pay calculation. | The Discrepancy The negative final pay of -\ {$220.00} is calculated as : This negative amount is the exact overpayment that the XXXX app is trying to recover ( XXXX XXXX ). 
Your Claim of an XXXX {$160.00} Now, let 's look at the amounts you were supposed to have available if the overpayment had not occurred. 
Your documents show XXXX lines related to the same transfer amount : * " Transferred ( to you ) : {$1300.00} '' ( Image XXXX - This line item implies a deduction of the transfers/fees from your paycheck ) * " Transferred - DP {$1200.00} '' ( Image XXXX - This image seems to show the amount DailyPay collected/transferred for that pay period ) If the correct total DailyPay deduction should have been {$1200.00}, instead of the {$1300.00} they actually took, your calculation of a {$160.00} overcharge is very close : Why the Numbers Don't Match Up The key is that the \ {$1300.00} number is the XXXX used in your official pay stub calculation ( Image XXXX ). The \ {$1200.00} number in XXXX XXXX and the \ {$140.00} in XXXX XXXX are likely showing different types of transactions or transfers that occurred during the pay period, and not the final total transfer + fees that DailyPay recovered on payday. 
You need to look closely at the Total Transfers and Fees that were due to DailyPay for that pay period : * Total DailyPay Deduction : {$1300.00} * This is the figure that generated the -\ {$220.00} overpayment. 
It is highly likely that DailyPay made an error in calculating your available balance or that you exceeded your available balance, which led to the {$1300.00} deduction being greater than your actual net pay of {$1100.00}. 
To dispute the {$160.00} difference, you need to ask DailyPay : * " Can you provide a ledger that shows how you arrived at the total deduction of {$1300.00} for the pay period ending XX/XX/2025? '' * " My records suggest the total transfers and fees should have been {$1200.00} ( or another figure you see ). Please explain the difference of {$160.00}. '' You must contact DailyPay 's customer support directly with the pay stub information to investigate this error. Since this is a billing dispute, they are required to provide a clear accounting of the funds they collected.

Company response to consumer: Closed with explanation