Card issuer · complaint record
TomoCredit complaints
Filed under TomoCredit Inc.
Consumers have filed 387 complaints about TomoCredit since 2024, 92 of them in the last 12 months (-27% on the year before). It answered 97.8% on time and closed 0% with relief for the customer - less often than a typical card issuer. The most common problem is credit monitoring or identity theft protection services. It is the 21st most complained-about of 52 credit card companies this year.
Average response record. How it works
- Complaints on record
- 387
- Last 12 months
- 92
- Answered on time
- 97.8%
- Closed with relief
- 0%
- Last 30 days
- 4
- Rank
- #21 of 52
Since March 2024
-27% vs the year before
Industry: 98.7%
Typical card issuer: 26%
Newest: Nov 3, 2026
Most complained-about credit card companies
TomoCredit complaints by month
The busiest month was May 2024 (29 complaints). Complaints in the last 12 months are down 27% on the year before. Complaints rise with a company's size and with news, so compare trends rather than totals.
How TomoCredit answered last 12 months
- Closed with explanation92100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
- Answers on time35/4597.8% on time
- Relief for customers0/400% closed with relief
- Complaint trend15/15-27% vs last year
What TomoCredit complaints are about
Top TomoCredit problems last 12 months
Inside "Credit monitoring or identity theft protection services"
- Didn't receive services that were advertised 26
- Problem canceling credit monitoring or identify theft protection service 8
- Billing dispute for services 6
- Problem with product or service terms changing 3
Where TomoCredit complaints come from
Most complaints: California (48), Florida (41), Georgia (26), Pennsylvania (25), Illinois (24).
TomoCredit compared with other credit card companies
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | Tilt FinanceCredit cards | 53 | 211 | C |
| 2 | Mercury Financial IntermediateCredit cards | 54 | 206 | C |
| 3 | ExtoCredit cards | 36 | 201 | D |
| 4 | TomoCreditCredit cards | 50 | 92 | C |
| 5 | ZendableCredit cards | 58 | 48 | C |
| 6 | FizzCredit cards | 0 | 42 | F |
| 7 | Fidem BaltimoreCredit cards | 45 | 36 | D |
| 8 | Total CardCredit cards | 45 | 31 | D |
Compare side by side: TomoCredit vs Tilt Finance · TomoCredit vs Mercury Financial Intermediate · TomoCredit vs Exto · TomoCredit vs Zendable
What people say about TomoCredit
All experiencesNo experiences with TomoCredit yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest TomoCredit complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Nov 3, 2026 | Credit reporting | Credit monitoring or identity theft protection servicesDidn't receive services that were advertised | Explained |
| Oct 29, 2026 | Debt relief & credit repair | Confusing or misleading advertising or marketing | Explained |
| Oct 22, 2026 | Credit reporting | Problem with a company's investigation into an existing problemWas not notified of investigation status or results | Explained |
| Oct 21, 2026 | Money transfers & apps | Fraud or scam | Explained |
| Oct 15, 2026 | Bank accounts | Problem with a lender or other company charging your accountMoney was taken from your account on the wrong day or for the wrong amount | Explained |
| Oct 15, 2026 | Debt relief & credit repair | Confusing or misleading advertising or marketing | Explained |
| Oct 12, 2026 | Credit cards | Advertising and marketing, including promotional offersDidn't receive advertised or promotional terms | Explained |
| Oct 6, 2026 | Credit cards | Problem with a purchase shown on your statementCard was charged for something you did not purchase with the card | Explained |
| Oct 5, 2026 | Credit cards | Getting a credit cardDelay in processing application | Explained |
| Sep 28, 2026 | Credit reporting | Incorrect information on your reportInformation is missing that should be on the report | Explained |
| Sep 27, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Sep 26, 2026 | Credit reporting | Credit monitoring or identity theft protection servicesDidn't receive services that were advertised | Explained |
Questions about TomoCredit
How many complaints does TomoCredit have?
TomoCredit has 387 complaints on record since March 2024, including 92 in the last 12 months and 4 in the last 30 days. That makes it number 492 of every company by complaints this year.
Does TomoCredit respond to complaints?
Yes. TomoCredit answered 97.8% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only. Its Response Score is 50/100 (grade C).
What do people complain about most with TomoCredit?
The most common problems are credit monitoring or identity theft protection services (43), closing your account (40), advertising and marketing, including promotional offers (23).
Is TomoCredit legit?
TomoCredit is a real company with a public complaint record: consumers have complained about it 387 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is TomoCredit legit? for the signals, red flags and how to protect yourself.
Are complaints about TomoCredit going up or down?
Down. There were 92 complaints in the last 12 months against 126 in the 12 before (-27%). See every month.
How do I file a complaint against TomoCredit?
Complain to TomoCredit in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most TomoCredit complaints come from?
Most come from California (48), Florida (41), Georgia (26). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
Talk about TomoCredit
No comments yet. Start the conversation - questions are welcome too.