Consumer complaint received 2025-10-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TomoCredit Inc.
State: MT

Complaint narrative:
Every month since XX/XX/XXXX, I have paid {$44.00} premium to Tomo Boost. To elevate my credit score to a base of XXXX available credit through their portal. They are supposed to report to XXXX, XXXX, and XXXX. The only bureau picking this up is XXXX. I have repeatedly complained about this and brought it to their attention. Always getting the same response, wait 45-90 days, and it will show. It has never shown on the other bureaus. My credit score did not improve at all with this. I gave more than adequate time for results. Total payments : {$940.00}. The company 's actions have been unsuccessful. No improvement has occurred in my credit score, and no updates have been made to the outstanding bureaus. Not only this, but I was NEVER notified, even after multiple attempts, that they were prohibited from reporting to the credit bureaus due to multiple complaints and fraud. As you can see from the attached screenshots, they neglected to inform me that they were not reporting to the bureaus because they were not allowed to do so. That is a fraud. They knowingly misled me into believing they were still in good standing with the credit bureaus and their service was active. Numerous serious complaints against TomoBoost, a service from TomoCredit, allege that the company charges customers for services they do not receive and makes it nearly impossible to cancel subscriptions. As of late XXXX, the three major credit bureausXXXX, XXXX, and XXXXhave reportedly ended their reporting relationship with TomoCredit, making its credit-building service ineffective. 
Primary complaints against TomoBoost Failure to report credit activity : The core promise of TomoBoost was to report payment histories to credit bureaus to help customers improve their credit scores. However, numerous consumers report that despite months of paying fees, TomoBoost failed to report an account or tradeline to the credit bureaus. 
Difficulty canceling subscriptions : Many customers report being unable to cancel their TomoBoost subscriptions. They describe a cycle of automated responses to cancellation requests, being ignored, or having support tickets closed without action while the company continues to charge their accounts. 
Unauthorized and continued charges : A significant number of complaints detail repeated, unauthorized charges from TomoBoost, even after customers have explicitly requested cancellation. Some users have had to lock or cancel their bank cards to stop the charges. 
False advertising and fraud : Customers have accused TomoCredit/TomoBoost of false advertising and fraudulent activity, claiming the company promised large credit lines or credit-building results that never materialized. 
Lack of customer service : Customers across various platforms report an inability to reach a live person at the company by phone or email. They state that the company provides only automated responses, making it impossible to resolve issues. 
Regulatory and legal issues Credit bureau cutoff : In XX/XX/XXXX, XXXX reported that all three major credit bureaus had ended their data partnership with TomoCredit. This means Tomo 's " credit boost '' service, which depends on reporting to the bureaus, can no longer function as advertised. 
Consumer Financial Protection Bureau ( CFPB ) complaints : Multiple complaints have been filed with the CFPB alleging that TomoCredit continues to charge monthly fees even after customers request cancellation and that the company uses deceptive tactics. 
Pending legal action : Some users have reported looking into or having contacted lawyers for potential class-action lawsuits due to the company 's practices. 
Debt facility default : TomoCredit 's charge card program was reportedly shut down in XXXX following a lawsuit and default on a debt facility with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation