Total CFPB complaints
76
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 76 complaints
TomoCredit Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 24 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about TomoCredit Inc.
- Didn't provide services promised
Didn't provide services promised
29 complaints
- Problem with customer service
Problem with customer service
19 complaints
- Confusing or misleading advertising or marketing 9
Confusing or misleading advertising or marketing
9 complaints
- Charged upfront or unexpected fees 7
Charged upfront or unexpected fees
7 complaints
- False statements or representation 3
False statements or representation
3 complaints
- Electronic communications 2
Electronic communications
2 complaints
F
Grade F · 48.4/100 composite
This collector has a failing complaint record with very high complaint volumes and poor response rates.
What do CFPB complaints reveal about TomoCredit Inc.?
TomoCredit Inc. has accumulated 76 total CFPB complaints across 24 states, with 27 filed in the most recent 12 months against 49 historical complaints before that window. The trailing-12-month volume represents 35.5% of the full complaint history, a falling pattern that implies either tighter collection practices, portfolio sell-offs, or improved dispute handling.
The dominant consumer grievance logged with the CFPB is "Didn't provide services promised", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 83% timely-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 24 states, led by California with 12 and Florida with 9, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 48.4/100 places TomoCredit Inc. in grade band F, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
27
35.5% of total history
Falling ↓
States active
24
Distinct state filings
Timely response rate
83%
Within CFPB SLA window
Reputation grade
F
48.4/100 composite
Response-quality profile
How TomoCredit Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 82.9%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
State coverage breadth 42.9%
Share of US states + territories with at least one filed complaint against this collector.
How does TomoCredit Inc. compare to its peers?
TomoCredit Inc. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-03 2026-03
Top Consumer Issues
Didn't provide services promised29 (%)
Problem with customer service19 (%)
Confusing or misleading advertising or marketing9 (%)
Charged upfront or unexpected fees7 (%)
False statements or representation3 (%)
Electronic communications2 (%)
Unauthorized withdrawals or charges2 (%)
Confusing or missing disclosures1 (%)
Most common issue: Didn't provide services promised
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Didn't provide services promised | — | 29 |
| Problem with customer service | — | 19 |
| Confusing or misleading advertising or marketing | — | 9 |
| Charged upfront or unexpected fees | — | 7 |
| False statements or representation | Attempted to collect wrong amount | 3 |
| Electronic communications | You told them to stop contacting you, but they keep trying | 2 |
| Unauthorized withdrawals or charges | — | 2 |
| Confusing or missing disclosures | — | 1 |
| Threatened to contact someone or share information improperly | Contacted you after you asked them to stop | 1 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 1 |
Where do complaints against TomoCredit Inc. come from?
The states where consumers have filed the most CFPB complaints against TomoCredit Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against TomoCredit Inc.
Across 24 states with at least one filing
- California
California
12 complaints
- Florida
Florida
9 complaints
- Illinois
Illinois
7 complaints
- New York
New York
7 complaints
- Georgia
Georgia
6 complaints
- North Carolina 4
North Carolina
4 complaints
- Michigan 3
Michigan
3 complaints
- Maryland 3
Maryland
3 complaints
Frequently Asked Questions
What is the most common complaint against TomoCredit Inc.? ▼
The most common issue consumers report about TomoCredit Inc. is "Didn't provide services promised". This is based on 76 complaints filed with the CFPB.
Are complaints against TomoCredit Inc. increasing or decreasing? ▼
Complaints against TomoCredit Inc. are falling. The company received 27 complaints in the last 12 months, showing improvement over prior periods.
What is TomoCredit Inc.'s reputation grade? ▼
TomoCredit Inc. has a reputation grade of F (score: 48.4/100). This collector has a failing complaint record with very high complaint volumes and poor response rates.
Does TomoCredit Inc. respond to consumer complaints? ▼
TomoCredit Inc. has a 83% timely response rate to CFPB complaints.
In how many states does TomoCredit Inc. operate? ▼
TomoCredit Inc. has received CFPB complaints from consumers in 24 states, with the most complaints from California (12 complaints).
What can I do if TomoCredit Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If TomoCredit Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |