Tomocredit
Reviews and Complaints

Absolute scam. Applied as directed and got the response that they couldn't verify me. I checked my Chase account and it verified that a Plaid connection had been completed. The vendor had, at that point full access to my checking account, date of birth and social security number.I deleted the Plaid connection to my account and tried with another email address. This time, the denial letter stated that I had a bankruptcy. This is false. Never filed for bankruptcy.Please be very wary of this vendor. They don't seem to be very ethical in my experience

I applied for your credit card and was denied due to "bankruptcy ". I don't have a bankruptcy, I have a 720 credit score and about 20k in the bank. Saying they don't check credit and then denying due to a supposed bankruptcy seems like false advertising since that is something that can be gotten from a credit report. Not from my report though so obviously they are incompetent or a con. I was sucked in by the allure of a high limit card with no credit check but regret applying because who knows what will happen with the information they phished from me.

I'm so glad I found Tomo. I've been struggling for years to try to build my credit and everyone just keep turning me away. I found Tomo and used my card starting March 14, 2022 and by April 14, 2022 my credit score went from 0 to 656! That's amazing in just one months time! Since you have to pay the entire balance weekly I've been using it in place of my regular debit card! I would highly recommend anyone who's trying to build or repair their credit to get this card! They give you your credit limit based on the amount in your bank account no credit check is ran.

I wanted to like tomo but it is a pain DO NOT Sign up my payment was set to be Taken out on the 24th and they took it on the 22nd which I had other bills coming out of my account, I talked to someone the day before and was told that I would be getting sent a form to remove auto pay NEVER RECEIVED IT VIA EMAIL ..Then they pay it early Im am beyond frustrated and displeased with this service AND THEY NEVER REPORTED MY CREDIT HISTORY WITH THEM LIKE THEY SAID THEY WOULD 4 MONTHS LATER I am canceling my account Monday Because they dont have weekend support which is crazy

I have submitted an applicantion was approved and have received my card. the password that i have saved with my login is not working, and have submitted through the forgotten password link several times over the last couple of days and have not received the email to reset the password. i have contacted their help center with my concerns and they first send me links to their faqs with answers that have nothing to do with my current issue. i have received an email from *** suggesting that I click the forgotten password link. they are not even wanting to review my issue.

I have a card and have requested to turn off auto pay (I have never missed a payment previously). They subsequently locked my card, and will not give me a time table of unlocking it. Their reasoning for the locked card was that I requested to turn off auto pay. There is absolutely nothing in the terms and services/ legal documents stating this, or the reason they locked my card. They will not give me any information except, Youll receive an email notifying you. Will not give any time table, or provide me proof of where in the terms it states theyre able to do what theyre doing.

Tomo credit card is a not a legitimate company and the software is flawed for analyzing accounts. I was told I was denied because I had insufficient funds in my account. I have well over $1000 and non of my accounts are in the negative. Tomo states they use your bank account to determine your credit history. That's not true. In fact; my bank gave me a personal loan and yes they did check my credit. I hate that Tomo used a 3rd party to access my account and then deny me because the report was inaccurate or they used a screwed up algorithm. I got a traditional loan. Don't use Tomo or allow their 3rd party to rummage through your account.

This company has poor customer service. My application was rejected due to a bankruptcy that was discharged/canceled 11 years ago. I followed up with Tomo to receive a more thorough reason for my denial and I was met with a generic response. I sent a follow up email asking for additional information, the customer service rep replied with the exact same response. This company false advertise their product. They gain access to your bank account and then deny you? How about either approve or deny before receiving our banking information. You can see a bankruptcy BEFORE gaining access to my banking info. This company is to assist ppl with less than perfect credit but pull up data for items more than 10yrs old.

If i could leave one star i would! First off communication is terrible you're unable to get anyone on the phone to speak with customer service! Secondly my card has been locked and i have been unable to use it for weeks! Mind you the *** is paid and granted i have been late a few times ,but nothing more than a couple of days I don't think that my card should be locked and "under review" especially after payment has been made! When i try to reach someone about this matter either they don't answer or no one is able to assist me and really don't have an answer other than "your account is under review and we don't know how long it's going to take . The service here is God awful! RUN WHILE YOU HAVE THE CHANCE!

I applied to be reviewed for their credit card.Applied with my physical address that matches my bank statements. I received notice by email with reason for denial (not sent to physical address) . I attempted to exercise adverse action as I can prove who I am and where I reside. Was told they cannot reveal to me the source that was used or third party used for the verification attempt made. I was told they are FDIC , Follow FCRA, And Equal credit opportunity Act. Yet rep would not give his first and last name or where he was located and said that they control who can make a complaint or challenge the third party who reported unverifiable information. Next Step for me is Going to be a conversation about Tomo with The

https://my.plaid.com/Access your account or sign up to gain access. There youll see you bank account and whats linked to it. TomoCredit should be there and if you dont see it then click on the bank you have and get verified. Once done you will see them. Click to remove app and you are all set. TomoCredit will no longer be able to see your bank records including your account activities and your balance. They will be in the dark. The only info they will still have is your bank routing and account number. Call your bank and dispute the recent charge. Only then the bank will put a full stop on all transactions coming from them including the the merch. Identifier, and ANY amount they try to submit. And the bank will not charge you any fee since its a dispute. Only then you will be on the driver seat and pay on your own terms, not theirs. I might also add we should get enough signatures to halt the operation of those FRS and shut them down.. good luck people and never give your bank account number again.

I applied for this TOMO card and received it used it on numerous occasions for about a month and then I get a email on 2/4/22 saying the account was closed for an review they did and based off of the agreement signed they had a right to close the account after the review. They still processed a payment on 2/07/22 on an closed account meaning the agreement we had was null and void so they shouldnt have processed the payment if the account has been closed. I called to speak with a representative and he could not tell me anything about the review or what they found in the review and he says there was no one else I could talk to about it and there was no higher up authority I could talk to meaning they have people working from home as customer services tellers because he said he was the supervisor. I also tried to change the way of payment and they said they dont have any other options at the time so they take payments every Sunday but their agreement says you can change your payment option they are very misleading. I do not recommend this company or card to anyone

Communication is great up until you get the card. *** can't answer a question directly. I asked the same question 5-6 times and received a very generic answer, one which did not answer what was asking. I then requested information be changed on my account. They said they would review the request and let me know. At no time did they advise my account would be locked during this time. I went to use the card and couldn't not knowing it was locked. I contacted and asked how long it would be locked for. They said they couldn't give me a time frame and whenever my review happened to be done, they'd let me know. All I requested was for an payment account to be changed. It also took 7 days for a payment to be applied to my account. Don't even bother with this card. The idea of it seems great but you will have no piece of mind with issues and customer service is horrible. I also asked how to speak with management because of all the issues I've experienced. I was told that I could call and request to speak with one and if one is available, they'll reach out to me when they can. That's comforting.

HORRIBLE *** I first signed up under the false pretense that this would assist my credit score. I have now had this card for over 6 months and not ONCE have they boosted my credit score they don't even appear under my credit history as an active account. I have come to have multiple issues, one of them being that they pull out every week and somehow it takes a full 5 days for the money to post as a credit so until then I am not able to use my card. If I want to speak to a representative it is impossible to get a hold of anyone, in particular on the weekends. They recommend sending an email that takes days to weeks to receive a response that is "auto generated" not even a real human being. When changes need to be made on your account (i.e. change of bank account info) they send you a form to fill out as if we live in the 80's and than take weeks to respond that it was even received. Now due to the paper work that was sent weeks ago my account is once again "under review" and locked. I have since canceled with the company and would never recommend this outdated garbage to anyone. They make everything difficult!

Beware. First off, customer service is often unreachable during advertised business hours. I have been ignored in live chat, experienced rudeness when I finally got in touch with the chat and have never been able to reach anyone via telephone (it just rings and rings for minutes on end). Second, you have no control over your account. You cannot change your due date to match your pay schedules, you cannot edit your linked bank accounts, etc. To make changes, you have to contact customer support who are rarely available and less than helpful when youre lucky enough to reach someone. Lastly, this business does not communicate with you. Your card will be frozen/blocked with no warning or explanation, and they will even take it a step further by deactivating your account all-together! This was my experience with Tomo in a nutshell, and I will not recommend them to anyone. Id like someone to assure me that my external banking information is no longer accessible or viewable by the staff at Tomo since Im no longer allowed to log in to check myself Oh, wait that would require the ability to add/remove bank accounts in the first place and youve made that impossible.

I was so close to making a fatal mistake with this company. It turns out it's a total scam. I say again, "TomoCREDIT IS A TOTAL SCAM!" They claim to be in *** and I live in ***. We will be visiting their office with letters of complaints tomorrow. I find upon my own conclusions thus far this company is made up entirely from the advantages of PUA money given during the pandemic. The pandemic started and gov. *** handing out money for businesses prior to covid19 then after they grant *** money to open up business again and even offer *** money to accommodate the entirety of its Financials. Therefore those whom owns this business had started it up merely to gain the advantages of having legitimate reason for applying for the grants. They pocket they money and run a bare "minimum staff" company. Additionally I find it all skeptical when once you've given your private vital infos to them and after your first transaction you can suddenly get terminated with what seems to be a rolodex of generic excuses! It's gotta be like a total of 3 ppl running this outfit. I'm investigating further by foot door to door if I got to. BE CAREFUL! BEWARE! BE SOMEWHERE ELSE FOR CREDIT!

I have contacted this company several times about cancelling this service and every month they claim that they would stop charging my card starting in November 2023. I have multiple email exchanges and attempts begging for them to stop, they never did anything to my credit or improved it in any way. I never received any services or the tomoboost card that they heavily advertise. I originally signed up for a plan that was $8.99, then the following month they charged me $26.99, and then $34.99 for several months with no explanation for the increase - shame on me for not contacting my bank before today. This is a very fraudulent enterprise that needs to be shut down.

Tomoboost is charging my debit account for credit boost services it is not rendering. I have been charged over 100 dollars for boost services so far.

When I tried to log back into the account I signed up for, the response was that an account cannot be found.

I do not see any boost reflecting in my credit and no access to an account to see or cancel services.

I have emailed tomoboost up to ten times, and they keep sending me the same message over and over like it is a maching that is answering with no specific response to my question and I am still being charged as at this day of filing this claim. I was charged $49 today for services not found or known. This is such a terrible company with no real person customer care.

I have sent several emails to cancel and refund but no response.

today is February 3 January 3. I sent email to Tomo boost to stop charging me for service. I have canceled by previous email first one January 2 email sent December now it’s February I’ve been charged 999 so 3×9 you get the picture the ripping me off for no service literally I don’t use that app never use the app. I signed up for it but then realized there was no one I could contact no one returns the email no one answers the phone.

I have a negative balance on the card due to a refund that I cannot access because is locked for some reason. This company does not answer the phone and does not respond to emails. I have to way of reaching anyone to get this matter resolved. Email was sent out on Dec 18, 2023...NO RESPONSE!

I joined TomoBoost 12/15/23.

$26.99 for one month membership. Then I find out I will be charged each month. I specifically purchased a 1 month offer because I did not want a further commitment.

There is no way to cancel membership.

I’ve emailed dozens of times, no real response. The phone number for the “helpline” is not taking calls.

I’ve also never received a card or any service for what I did pay for.

I just want to cancel.

I enrolled in a payment plan to pay down a balance with Tomo Credit and after the balance was paid in full Tomo continues to withdraw money from my account every two weeks. The payment plan was supposed to be monthly. I’ve emailed the company three separate times requesting that they cease withdrawals, refund the overage, and close the account but they refuse to respond. The first email was sent 17 days ago. I was able to find a customer service number but when I called, the message states that they are not accepting phone calls and to send them an email, which I’ve done! I’m disputing the charges with my bank.

The phone number they have for customer service states they are not taking calls at this time. No matter when you call. I have tried to email customer service with no resolve. I am trying to cancel my membership with tomoboost which is a rip off and they keep charging my card. As seen in the photos below there is no phone number to call and no resolve for my issue. This is the only response you receive when you send them an email.

I covered my full payment through tomos promotional email of 40% off. I don't have balance. I would love to talk about if someone would finally reach back out to me but is tomo telling me that they took that payment on Friday that I made before noon, under false advertisement? I also noticed tomo has been trying to get the full amount out of my bank account since Thursday to today not only before the promotion ended but also before the due date. You essentially tried your very best to take out the full payment BEFORE i could do the promotional payment which would have overshot the balance i actually owed. This isn't new for tomo but this is the 3rd or 4th time I've reached out about this issue and have yet to get a response.

I thought this company was like Experian Boost however they have charge my account 3 times. I have sent 5 emails only to get a robo response that they are working on it but never a follow up 10/25/2023,10/21/2023,10/12/2023,09/14/2023 and 09/20/2023. At this time I have tried to cancel this and get a refund of $104.03 but nothing. I never received the so call debit card or any welcome information

They closed my card with out notice, tried getting help could not get help. Sent emails haven’t heard from anyone. I was trying to see they closed my card. I will also be complaining to the BBB. I called there 800 number I get nothing but an automated system that knows nothing. I just want to speak to someone to resolve this issue. There isn’t any reason for them to close my card or lock it. I was in a bind and needed that money. I was at the gas station low on gas and funds and remembered my tomo card went to use it declined and I was instantly in a panic. Like give me a notice or something call my phone send me a smoke signal so I know not to use the stupid card.

This card and company prodcuts like tomocredit and tomoboost is the absolutely worst financial SCAM of 2023.

I can't seem to figure out how a company that has an effect on people's credit is operating like a corner store.

I've been sending emails only getting automated responses, there's no reply on chat. I have hundreds of dollars in disputed / fraudulent charges and no one will reply or respond back to me.

The card has NEVER posted on my credit report despite THOUSANDS in payments.

What in the world is going on? Does this need to be escalated into a legal matter?

My card was lost, so I went through the process of freezing the existing card and requesting a new one.

After 2 weeks, I still had not received my card, so I contacted customer support. They informed me "they were not printing replacement cards".

I asked to cancel my account. They have not responded to any emails since.

If I cannot use the line of credit I have, I would prefer to close the account but they will not respond to any form of communication.

Tomo Credit Card closed my credit card this AM with out any notice. I have always been on time with payments and just used that same day. I have reached out numerous times today with no response. Customer Service is not avaliable and stating they do not have my information and this credit card has been open for many years.

I would like to have some answers please

On Tomo's website, it claims that their card reports to all 3 credit bureaus. However, I have opened this card in March (I accidentally said February by accident in the attached correspondence), and to this day, the card has not reported to TransUnion at all.Despite contacting both Tomo and TransUnion several times, both sides have deflected responsibility to each other; TransUnion claims that I should contact Tomo since it is up to them to send in the reporting data, and Tomo claims that they sent it, but TransUnion didn't receive it.Since I am trying to buy a house in the near future and would like to have my best credit forward, I would much appreciate it if this matter can be resolved. Thank you.

Received my card today, activated it and then immediately got an email that my card is Frozen. (All within the span of a minute). Calling gets you put on hold for up to five minutes before it cuts you off saying just leave a message. Emailing has not received a reply. I have already decided to pull the plug on this so-called opportunity. I try going in to remove my banking information and they DO NOT ALLOW IT! How is it possible that they get to keep your financials info with there being zero charges / fees / nor any transactions on the card since they immediately froze it upon activation? This seems very fishy and I want my account closed immediately and proof that all my financial details have been removed.

Tomo credit uses faulty advertising to lure customers. It starts with "no credit score required" ads that say you can have credit lines up to 10k. The problem is that my account has available credit, yet I have not been able to use my available credit for weeks. They don't have the appropriate customer service support call center, so you're left with one person in an office in CA that says "there's no supervisor here this week." the representative is rude and not helpful either. They bully customers with faulty advertising and are not set up to run a credit card company with the appropriate infrastructure to support. I've been trying to use my available credit and have been declined, even though my credit is available.

I called the company and spoke to *** to remove my checking account. He informed me they cant remove this account immediately and that it would need reviewed. The account linked was a family members account and they are now deceased. I had an issue with my bank and was trying to get it resolved and they took the money out of my deceased relatives account. I informed then they had no authorization to do so and that the money should be returned immediately. Not only to mention i was told this card would eventually go to a biweekly and monthly basis over a year ago but they automatically take money out weekly so if you accidentally forget that you made a purchase they end up over drafting your account because they auto take it out and there is no option to unroll once you link your accounts your screwed!

I filed a dispute over final delivery issues with a merchant whom I paid through Tomo in May. Tomo took over five months to investigate the matter but never contacted me during the investigation for supporting documentation. In October they simply emailed me saying the case had been resolved to refer to the "dashboard" for further information. The dashboard said: "resolved-denied". I contacted their customer support for additional information and to be provided with the documentation the merchant provided them - they refused. The support agent said: "the dispute decision should have been received via email" it was not, they are erroneously inconsistent in how they apply policies internally. They took far beyond the scope of time allowed to investigate, did not communicate with me in any way, and do not respond to my emails to their CEO, executive team, or board.