CFPB Consumer Complaint Profile
TomoCredit Inc.
Behind the 338 CFPB complaints on file for this company is a data trail showing how it typically handles credit, billing and collection disputes.
Data updated 2026-08-14
- 338
- Total complaints
- Above average
- 120
- Last 12 months
- 85.8%
- Timely response
- Bottom quartile
- 41
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, TomoCredit Inc. has accumulated 338 complaints, placing it #643 by volume. On-time replies land at 85.8%, the 13th percentile for the 100+ complaint peer group.
- #643
- of 3,843 companies by volume
- 85.8%
- on time (13th pctile)
- Credit reporting or …
- most-complained product
- 41
- states with complaints
Raw complaint volume, not a rate: larger institutions naturally draw more CFPB complaints because they serve more customers, and a complaint is a consumer-filed record, not a proven finding of wrongdoing.
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
TomoCredit Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
85.8% Among the lowest higher than 13% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 179 in 2024 to 135 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Source: CFPB Consumer Complaint Database
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2024 | 179 |
| 2025 | 135 |
| 2026year in progress | 24 |
Complaints by State (Top 15)
Company Responses
What the CFPB Complaint Record Shows for TomoCredit Inc.
TomoCredit Inc. carries 338 complaints in the CFPB's database, 120 of them filed within the past 12 months. Consumers spanning 41 states and territories have weighed in, giving this a nationwide footprint. The single largest complaint category is "Credit reporting or other personal consumer reports," which consistently leads the product-level breakdown and signals where consumer friction is most acute. Inside that category, "Incorrect information on your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
CFPB-forwarded complaints against TomoCredit Inc. draw a 85.8% reply rate inside the Bureau's 15-day window. That is under the 95% benchmark companies are expected to hit, often a precursor to higher dispute rates. Among resolved complaints, the consumer-relief closure rate is 0.3%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does TomoCredit Inc. have?
338 complaints have been filed against TomoCredit Inc. with the CFPB overall - 120 of them in the past year.
Does TomoCredit Inc. respond to complaints on time?
TomoCredit Inc.'s CFPB timely-response rate is 85.8%.
What product generates the most complaints for TomoCredit Inc.?
Among all products tied to TomoCredit Inc., "Credit reporting or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with TomoCredit Inc.?
Consumers most often cite "Incorrect information on your report" when complaining about TomoCredit Inc.; the full issue list with counts is above.
How do I file a complaint against TomoCredit Inc.?
You can file a complaint against TomoCredit Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about TomoCredit Inc.?
Consumers in 41 states and territories have filed complaints about TomoCredit Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.
Also handles Credit reporting or other personal consumer reports
Other companies with the same primary CFPB product category on file.
Frequently Asked Questions
How many CFPB complaints does TomoCredit Inc. have?
338 complaints have been filed against TomoCredit Inc. with the CFPB overall - 120 of them in the past year.
Does TomoCredit Inc. respond to complaints on time?
TomoCredit Inc.'s CFPB timely-response rate is 85.8%.
What product generates the most complaints for TomoCredit Inc.?
Among all products tied to TomoCredit Inc., "Credit reporting or other personal consumer reports" accounts for the largest share of complaints (full breakdown above).
What is the most common complaint issue with TomoCredit Inc.?
Consumers most often cite "Incorrect information on your report" when complaining about TomoCredit Inc.; the full issue list with counts is above.
How do I file a complaint against TomoCredit Inc.?
You can file a complaint against TomoCredit Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about TomoCredit Inc.?
Consumers in 41 states and territories have filed complaints about TomoCredit Inc. with the CFPB. This count includes the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions such as Guam, the U.S. Virgin Islands, and military postal codes (APO/FPO), which is why it can exceed the 52 states and territories that have a dedicated state page on this site.