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Business Profile

Prepaid Credit Cards

TomoCredit

This business is NOT BBB Accredited.

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This business has 1 alert

Complaints

Customer Complaints Summary

  • 805 total complaints in the last 3 years.
  • 166 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:03/21/2023

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Tomo credit is stealing and over charging on weekly transactions I would like to be refunded they are not fair and stealing is not it multiple people have complained on this app

    Business Response

    Date: 03/31/2023

    Customers who choose weekly  autopayments are set-up for payments to be deducted on a weekly basis for charges that they made. No addtional fees are charge for this weeklly auto payment service by TomoCredit. 

  • Initial Complaint

    Date:03/21/2023

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    On March 19 my Tomo Cred card account was hacked and someone spent $100 on my card. I tried to call their customer service line for hours upon hours and I cannot get through to a live person. *** tried emailing and no one gets back to you. On the morning of March 21st. Someone tried to use my account/card several more times at Various sites such as Uber and Cashapp. At that point Ive already locked my card. Ive been trying to contact Someone to help me from Tomo so I can cancel my account and issue me a refund but their customer service is non-existent .

    Business Response

    Date: 03/31/2023

    We have recently been in contact with this custmer regarding this charge and reviewing this matter. The card has been locked and we will follow-up on this matter.

  • Initial Complaint

    Date:03/20/2023

    Type:Product Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I had my card go missing and had the following fraudulent transactions. Feb 7, 2023 MACYS *************** Department Stores $583.15 Feb 7, 2023 314 - SEPHORA Cosmetic Stores $389.96 Jan 31, 2023 NORDSTROM #**** Department Stores $226.23 Jan 31, 2023 ZARA *** 351 Womens Ready-to-Wear Stores $461.20 Jan 28, 2023 WWW.G2G.COM Digital Goods: Games $79.67 Jan 24, 2023 Hermes Short Hills Mens and Womens Clothing Stores $330.05 Jan 24, 2023 CANADA GOOSE US *** Family Clothing Stores $675.00 Jan 21, 2023 ********* ***** ********************* $28.72 Jan 13, 2023 BOTTEGA VENETA 317 Miscellaneous Apparel and Accessory Shops $269.23 I notified TOMO that I am out of the country and these charges are not mine. They had me send a signed affidavit (minus a police report because I am not in the country) that these charges were not authorized which I did sign and send multiple times on 02/14/23, 02/16/23, followed up on 02/23/23 and today on 03/09/23. I have had no communication back since

    Business Response

    Date: 04/09/2023

    TomoCredit had investigated the disputed charges and provided the customer a refund for these disputed charges and advised this customer of the refund.

    Customer Answer

    Date: 04/09/2023

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

    Sincerely,

    ***************************

  • Initial Complaint

    Date:03/20/2023

    Type:Billing Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Hello,My name is ***********************. I have an account with TomoCredit *** Charge Card.I do not need this account/Charge card anymore and I want to close my account with them.I requested to close my account/Charge card with them via 3 emails and they are not closing it for me, even I have no balance on it. All my transaction paid the following day. The balance paid off completely and the balance now is 0.00.Please assist in completing my request.Thank you very much!***********************

    Business Response

    Date: 04/09/2023

    TomoCredit closed this account as per the customer's request and advised them that the account had been closed.

    Customer Answer

    Date: 04/09/2023

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

    Sincerely,

    ***********************

  • Initial Complaint

    Date:03/16/2023

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I received a notice that a new account was opened on my credit from this bank. I located the companies phone number / website as reported on the credit profile, and they do not have any phone support beyond an automated system that tells you to log into your account. I emailed on 6 different occasions letting them know this was a fraudulent account, and as of yet have still not received a reply. On one of the contact attempts on their website, they had a chat agent, but that agent required that I provide a card number for a card I never received or authorized, and would not talk to me without this information. Every attempt I have made to contact this bank has been non-responsive. I need this account that was not authorized to be closed immediately and removed from my credit profile. To date, I still show no balance on this card, however, I fear that whomever fraudulently opened the account may start charging on it at some point.

    Business Response

    Date: 04/04/2023

    TomoCredit spoke with this custmer and terminated the account as requested.

  • Initial Complaint

    Date:03/08/2023

    Type:Sales and Advertising Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I was denied even though I meet the requirement that they ridiculously have and next thing I know Im getting notifications my information has been breached constantly. After getting denied it doesnt allow you to delete your banking information that they shouldnt have access to once they deny you. I have emailed them and they just ignore my emails. I know its them that this causing so many issues with my credit also they shouldnt say no credit check or any of that when they definitely look into that. They are nothing but a scam and need to go out of business because you dont do anything but steal peoples identitys and rob their accounts I mean just look at the other complaints z they are s***** people who scam and lie

    Business Response

    Date: 03/16/2023

    With regards to the allegations in this complaint, TomoCredit does not have access to or store a customers bank account number or password.

    Customer Answer

    Date: 03/17/2023

     
    Complaint: 19555387

    I am rejecting this response because: nothing was an issue until I applied to them and theres no way for me to delete my information and others have complained about this as well

    Sincerely,

    *************************

    Business Response

    Date: 03/27/2023

    As previsly advised, we do not have access to or store a customers bank account number or password, therefore can not delete this information.

  • Initial Complaint

    Date:03/06/2023

    Type:Order Issues
    Status:
    Resolved
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Applied for this Tomo credit card in August of 2022, and the application is still pending till today 3/6/23. Sent emails in regards to what is going on, and no response. This business (Tomo) seems like an unprofessional scam of issuing bogus credit. How does an application pend for nearly 7 months with no follow up as to approval or denial.

    Business Response

    Date: 03/15/2023

    Based on a review of this matter, it appears  this customers application was denied, the customer did not pass our Know Your Customer (KYC )process , as required to help  prevent fraud. The customer attempted to re-apply and the application was denied.

    Customer Answer

    Date: 03/15/2023

     
    Complaint: 19544818

    I am rejecting this response because: Tomo Credit never followed up in a timely fashion if my application was denied due to KYC requirements. Im happy to provide any and all relevant info needed to satisfy any KYC needed to be approved for this card. 


    Sincerely,

    *************************

    Business Response

    Date: 03/27/2023

    Currently, TomoCredit does not allow for re-applications. 

    Customer Answer

    Date: 03/27/2023

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

    Sincerely,

    *************************

  • Initial Complaint

    Date:03/02/2023

    Type:Service or Repair Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    **** has fraudulently told Equifax that I have an open account with them. I closed/Tomo closed my account last year. I paid off my balance in full and the account was closed. I called and verified this multiple times. I sent multiple emails confirming the account was closed. However, **** continues to report this account as an open account to credit bureaus. It's clear they are doing this because they are trying to inflate their count of active users and this is fraudulent and deceitful to their investors and prospective investors. It is also dishonest and frustrating beyond belief.

    Business Response

    Date: 03/21/2023

    Based on this custmomer's complaint we have contacted this credit bureau to confirm and /or update (if needed) the reporting of this account.

  • Initial Complaint

    Date:03/02/2023

    Type:Product Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I can now no longer sign into the Tomo account that was created for me just to check my credit from them. But I applied for this card and was denied and for no reason because I make well over what they are asking for and somehow they also said they could not verify my identity so they have four accounts on me and I'm requesting that all of the accounts except for one which is this one that I've sent the information over be closed out and wiped out of their system so that I can apply for this card again and get this card. I have contacted **** help multiple times no one will respond they will not answer me I cannot get a manager I cannot call them I cannot do anything I have records of trying to contact them as well multiple emails. I want a response.

    Business Response

    Date: 03/21/2023

    This customer has attempted to apply several times, but was denied( did not pass our Know Your Customer (KYC) process). At this time we are not accepting reapplications. 

    Customer Answer

    Date: 03/21/2023

     
    Complaint: 19527292

    I am rejecting this response because:
    I am not sure how they say I can't be verified. They are in my credit file and update every month. Pretty sure that's verification enough. 
    Sincerely,

    *************************

  • Initial Complaint

    Date:02/22/2023

    Type:Product Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I applied for the Tomo Card on Dec13th I have reached out to Tomo via Email multiple times.Including 2/22 via Instagram and ******** I have recieved no response as to the status of my application.- Either by email, phone, or reg mail.No information regarding whether or not I have been approved, denied, etc has been provided Each time I have been advised that my account is under Manual Review The only people that have reached out was *********(Dec 15, 2022, 11:38 AM PST), ******(Dec 24, 2022, 4:45 PM PST / Jan 16, 2023, 4:11 PM PST)Both individuals responed with similar replies ****** (Tomo)Jan 16, 2023, 4:11 PM PST Hi ***********! Your application is currently in a manual review process. Due to the overwhelming amount of applications we have received, it may take some time before your application has been reviewed. We do not have a time estimate of when your particular application will be completed. We will notify you as soon as we have an update or if any additional information is needed. We appreciate your patience, as we strive to get through everyone's applications in a reasonable time. All the best, Support @ Tomo ***************** www.tomocredit.com I understand that their credit approval process is different from the traditional model.However it shouldn't take 60 days to review an account and provide a decision.I am requesting that this company cancel my application, and purge/remove all of my data at this time

    Business Response

    Date: 03/10/2023

    This application required additional review.  As the customer states in this complaint,he has requested the application be canceled and we have honored that request and canceled the application.

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