Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TomoCredit Inc.
State: TX

Complaint narrative:
I am filing this complaint against Tomo Credit also known as Tomo Card for deceptive and unfair practices. I was approved for the Tomo Card in XXXX XXXX and for most of the time I had the account I lived in XXXX XXXX. I now live in XXXX. I always paid on time and used the card with the understanding that Tomo would report my account to the XXXX major credit bureaus as they promised repeatedly in emails and on their website. Tomo froze all customer cards without advance notice and told me on XX/XX/XXXX and again on XX/XX/XXXX that although the card was paused my credit reporting would continue as usual. This was false. My account is not showing on any of the XXXX credit bureaus despite Tomos written promises. 

On XX/XX/XXXX I emailed Tomo because they were falsely treating me as late after I had changed bank accounts and warned them in advance. I never had a returned payment and I always paid on time. In a phone call that followed they still said I was late and blamed me. I requested that be corrected but it was never fixed. I specifically asked Tomo to remove old bank accounts from my profile and keep only XXXX XXXX Checking but they failed to do this. 

On XX/XX/XXXX I emailed again asking why the Tomo Card remained frozen and whether it would be usable again. I said it was wrong to stop peoples cards and sell only Tomo XXXX. On XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX a Tomo representative told me my card was closed for the foreseeable future but that my credit reporting would continue as usual. On XX/XX/XXXX I followed up again because I still saw no tradeline. Tomo responded that I did not have Tomo XXXX. I clarified that I never wanted Tomo XXXX and only wanted the Tomo XXXX to report as promised. On XX/XX/XXXX at XXXX XXXX XXXXXXXX Tomo again told me the card was closed for the foreseeable future and that reporting would continue as usual. On XX/XX/XXXX I emailed again because nothing was ever reported to XXXX XXXX XXXX XXXX  despite their repeated promises. Tomo never wrote back. 

This is a serious issue. Tomo made explicit representations that my tradeline would continue to report but it never did. They marketed the product as a credit builder like an XXXX charge card and then froze all cards and tried to force customers into a paid subscription instead. They never gave written notice in the mail or a clear email that credit reporting would stop. Their statements amount to deceptive misrepresentation. Because of Tomos actions my credit score went lower, I lost positive payment history, and I lost financial opportunities. This caused real financial harm, stress, and wasted time. 

Under Dodd Frank and the authority of the CFPB this constitutes a deceptive and unfair practice. Under XXXX  Deceptive Trade Practices Act Tomo misrepresented the benefits of the product. Under the Fair Credit Reporting Act Tomo also appears to have reported at least XXXX late payment inaccurately and failed to correct it after I disputed it. 

I request the CFPB require Tomo to provide the following : confirm whether my account was ever reported to the XXXX credit bureaus with evidence, correct my credit history and reinstate or retroactively report my positive payment history, remove any falsely reported late marks, provide me with call recordings and internal notes about when they said I was late and the appeal process they referenced, and compensate me for the credit harm, costs of monitoring my credit, and the lost opportunity that resulted from their failure to deliver the credit reporting that was promised. 

I have attached key emails showing Tomos statements that reporting would continue as usual and my repeated follow ups. I request a full investigation and a written response from XXXX within the required timeframe.

Company response to consumer: Closed with explanation