Tomocredit
Reviews and Complaints

I do not have a car, no loan, no business dealing with a CNAC. I give permission for you to check my credit report if needed to prove that I don't have anything to do with this company. I submitted a previous dispute for this transaction and was told Based on investigation, we do not find that an error has occurred. There is an error because I again do not have an account, no car, no loans, no business dealing with a Cnac. When I look up company online it says that they are a car loan company. I ask that Tomo please expedite this request and return the funds back to my card. The last request took from April to Oct 12 to complete. Please I ask that this please be corrected as soon as possible. I am supposed to be protected as a card user. I should not be held responsible for transactions that do not belong to me. Thank you. The dispute was done April or may and didnt get a response until October .

On Sunday 9/26, the hotel processed a refund for my $100 deposit. They mentioned it would take 3-5 business days. The next day, I saw the $100 fee was still appearing. I contacted the hotel, and they confirmed the refund on 9/26. I filed a dispute with Tomo on 9/29 regarding the charge. By 10/1, the charge was still showing, and Tomo was set to deduct $100 from my account on 10/4. Despite multiple calls to the hotel and receiving proof of refund, my efforts to reach Tomo support by phone and email were unsuccessful. A chat representative informed me that processing could take time, but I need a resolution as the charge persists and direct communication is challenging.

Currently have a credit card with Tomo Credit. In the month of April the company Tomo were having system issues with retrieving payments from me. I called the credit card company to see why they havent taken my payment from my bank account and they mentioned they were having issues with their system. Upon hearing this I was very clear with the supervisor that I spoke to that they would not report any late payments to my credit. I currently have a late payment on my credit history due to Tomo reporting it when they promised nothing would be reported. I called Tomo multiples times to resolve the in accurate late payment and they say they cant do nothing. I have been making on time payments since I got the credit card. I am currently in the process of buying a home and this inaccuracy will lead me to be declined from the mortgage broker I am working with which is unacceptable. *** was horrible and management did not want to help or escalate the issue.

I've been waiting almost 4 to 5 months on Tomocredit to update and complete they so called "review" of my account. I had a miscarriage earlier this year and was focus on my emotional and physical healing. There were payments that didn't go through because I didn't get to changing the account details that will pay. But once healed physically and emotionally I absolutely took care of the entire *** and the next payments were also paid so I have a zero balance on my account. Then out of no where while shopping for groceries my card is declined and I checked to see my card is locked. No notifications, no email or no mailing of this action from Tomocredit. There is too much technology for a company not have an alert system to immediately to communicate with their clients.. Once able to get to a human for customer service was told my acct is under review. It's done manually and they will update me. We'll its been 4 months. No updates, no review info. It's 2022 and any process longer than a surgery recovery is ridiculous. I believe this company is scamming individuals. You wait until I pay my bills and get current, then lock it and say we reviewing with no updates and by now resolution. Unlock my card!

I recently found that yesterday (August 15, 2022) somebody must have closed my Tomo credit card without my consent, yet the Tomo credit card company won't reopen the account. I could only get in touch on the phone as they have ignored my emails for some reason. The phone rep today (August 16, 2022) told me I could not reapply but that he would forward the info on to see if there's anything they can do. I feel that is not fair because on Friday, August 5th, 2022 my wallet got stolen at *** in ***, . I have filed an investigation with the *** who is still investigating and once I have the police report I can attach it. The wallet had my old Tomo credit card in it and I did not have a chance to report this as stolen until well into the next evening. I have the email conversation attached between the police officer and myself. I have spoken to Officer *** as well on the phone. I'm pretty sure my account had gotten closed by mistake either by the perpetrator or when I marked it as lost/stolen. I have paid all my balances every single week for several months now and this doesn't seem right that I can't even reapply all because this has happened. Again, there has been no email responses from Tomo in several days.

On Sept 2nd, 2022. My wallet was lost on a weekend trip to ***. I noticed there were some fraudulent charges to my account. Once I contacted *** and explained the unauthorized purchases that happened on those dates, *** informed me that a lock was placed on the account, a new card would be sent and there will a provisional credit within ten *** days of opening the investigation. I filled the police report and sent over all documentation required for the process. When I called in Sept 12th, 2022. They inform me that all transactions until the end of the investigation must be paid and any unauthorized charge will be considered due until then. I explained that how must I pay for something I did not purchase and was informed that if I did not pay in full, my credit would be negatively impacted. I have rights under disputes and they should not be forcing me to pay for something that I never authorized. I spoke with *** in customer service, when I asked if his supervisor was available, he would not provide info and to when his supervisor would be avail nor would he transfer me to the fraud prevention department. I will pay for my transactions but I cant afford to pay what I did not. They are using credit reporting bullying tactics to pay for something never authorized.

1. 15 USC ***- Congressional findings and statement of purpose. 2. 15 USC *** A- Definitions; rules of construction. 3. 15 USC *** B- Permissible purposes of Consumer Reports 4. 15 USC *** C- Requirements relating to information contained in consumer reports. 5. 15 USC *** D- Disclosure of investigative consumer reports. 6. 15 USC *** E- Compliance procedures. 7. 15 USC *** G- Disclosure to consumers. 8. 15 USC *** I- Procedure in case of disputed accuracy. 9. 15 USC *** L-Restrictions on investigative consumer reports. 10. 15 USC *** M- Requirements on users of consumer reports. 11. 15 USC *** N- Civil Liability for Willful Noncompliance. 12. 15 USC *** O- Civil Liability for neglect noncompliance. 13. 15 USC *** Q- Obtaining Information under false pretenses. 14. 15 USC *** S 2 A-Responsibilities of furnishers of Information to consumer reporting agencies. 15. 15 USC ***- Protection of nonpublic personal information. 16. 15 USC ***- Criminal Liability for willful and knowing violation. 17. 15 USC *** C- Communication in connection with debt collection. 18. 15 USC ***- Obligations with respect to disclosures of personal Information. 19. 15 USC *** B- Correction of Billing Errors.20. UCC 9 625 B- Remedies for secured partys failure to comply. A Person is liable for damages in the amount of any loss caused by a failure to comply with this article.

I have a credit card through this institution. My credit card was lost and fraudulently used for a few hundred dollars in purchases. I reached otu to merchant to file a dispute for these charges, and was asked to provide a list of the charges, and a police report from my local police station. I attempted to file a police report, however was told by the local authorities that they could not execute a police report since charges occurred outside of their jurisdiction. I informed the merchant in question, and they proceeded forward with submitting the dispute and gave me a resolution deadline of 60 days. I reached out to the merchant multiple times over the 60 day period for a simple update on where we were in the investigation and was never provided an update. I reach out again after the 60 day period in which I was promised a resolution and was again told there was no update. Today I have reached out again, but this was told the most recent update from 07/16/22 was this is being help due to no police reports. I have called i over 10 times since the date of that update and was never told that, I continuously asked for more information and was always told there was update. The representative told me they would have the fraud team reach out to me but could not guarantee a timeframe. Mastercard is the issuer for this merchant and promises a dispute resolution within 90 days, of which we have 5 remaining.

I would like to say that the Complaintsboard.com needs to allow for ZERO or even negative stars because TOMO CREDIT is by far the BIGGEST SCAM company I have seen in a long time. I was looking to utilize my high credit rating and income for a loan against a bank account. As it happens, when searching for this, TOMO CREDIT popped up. It seemed legitimate so I applied. In the first week, they couldn't link to my checking account so we tried something else. That worked and my application was being reviewed. By the 3rd week, I inquired as to the delay and was told they have so many applications that I was in "manual review" and to give them a few more DAYS. Well, I gave them a couple more weeks until today (7 total weeks in their system) to request an update or cancel *** account. The super genius that I spoke with today said there's no such thing as "manual review" to which I politely replied, I didn't come up with that, your staff did. I proceeded to screen shot the 2 times I was told "manual review" for this guy to say my application isn't even completed - on my end. I'm losing it at this point and inform this representative no one has told me I'm missing anything. In fact, I have a ticket report that extends the entire 7 weeks where I'm told everything is fine, it's just a process. THIS COMPANY - TOMO CREDIT - HAS TO BE THE BIGGEST SCAM FINANCIAL COMPANY IN THE MARKETPLACE TODAY! BY FAR! Stay away from Tomo Credit! Save your money, credit score and bank details. You'd be better off getting a line of credit with a street level loan shark. These guys, Tomo Credit, are a total and 100% FRAUD!

This is an urgent matter that has threatened my livelihood as it is preventing me from obtaining emergency housing. Per the attached identity theft report, TomoCredit *** is included in this active identity theft case, and as a result of providing the proper documentation, it should be treated as such. In accordance with the Fair Credit Reporting Act(15 U.S.C ***c-2), the accounts listed in this identity theft report have violated my rights and I am requesting that these accounts be IMMEDIATELY blocked from my report due to identity theft. Transunion, Equifax, and Experian have been informed that these accounts are a result of identity theft and an identity theft report has been attached along with the complaint. On July 5, 2022, an Experian representative stated that TomoCredit *** is preventing the credit reporting agencies from removing this account from the credit report due to a prior dispute that is also believed to be associated with this case. TomoCredit *** has been provided with a valid, official identity theft report, and has confirmed that it has been received but has not responded to Experian's request for deletion. The reporting of these accounts is a direct violation of my rights as a consumer under the Fair Debt Collection Practices Act (FDCPA), as well as the Fair Credit Reporting Act (FCRA) which states that I, as the consumer, have the right to stop businesses from reporting information about me to consumer reporting agencies if I believe the information to be a result of identity theft. 15 U.S.C *** Section 604(a)(2) states that I have the right to privacy. It also states in 15 U.S.C *** Section 604(a)(2) that a consumer reporting agency cannot furnish an account without my written instructions.

On 5/27/2022, my credit card was stolen and fraudulently used. Immediately after freezing my card online and contacting the police, I attempted to get in touch with Tomocredit. The issue is Tomocredit does not work weekends and leave the office by 4 during the week resulting in their customers being stranded on weekends and nights. After much frustration, I was advised to contact Mastercard directly who was excellent in swiftly freezing my card and working with the local detective to get necessary information to prosecute the suspect. Fast forward a week, I get an email saying after all this Tomocredit billed my account for the already disputed fraudulent amount on a flagged and frozen card. Any attempt to get in touch with them when they are open is impossible as you wait 10 minutes to speak with someone. Other than main customer service, you cannot be transferred to any department and are told you will be emailed a follow-up message which never comes. When asking why I cannot be transferred, I was told the receiving department wants to listen to the recording of your phone call before reaching out. So instead of contacting me directly they would rather sit at their desk and *** on my 30 minute phone call, half of which was in a queue or waiting on hold. Now I am out $700 and they still have yet to contact me via phone or email. I have filed a ACH withdrawal dispute against them with Navy Fed, Contacted Mastercard who has opened a case to see why I was charged on a locked and disputed card, and will be filing a report with the *** The only reason I am writing this is because I have got a feeling they care more about their Complaintsboard.com complaints than internal responses to customers. The model used for their product is not bad, but their customer service is absolutely horrible. For tomocredit's tracking Simon *** was briefed on this issue via email and no follow-up was given.