Credit reporting
TomoCredit: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 41
- Closed with money back
- 1
- 2023 to 2025
- 0 to 17
TomoCredit received 314 complaints from everyone in the window; 41 carried the servicemember tag. The complaints are mostly about credit reporting or other personal consumer reports, and the single most common issue is "Credit monitoring or identity theft protection services". 1 of the 41 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count rose from 0 in 2023 to 17 in 2025.
What the complaints are about
By product
| Credit reporting or other personal consumer reports | 18 |
| Credit card | 13 |
| Debt or credit management | 9 |
| Money transfer, virtual currency, or money service | 1 |
By issue
| Credit monitoring or identity theft protection services | 8 |
| Incorrect information on your report | 7 |
| Problem with a purchase shown on your statement | 6 |
| Didn't provide services promised | 3 |
| Problem with a company's investigation into an existing problem | 3 |
| 2023: 0 | 2024: 24 | 2025: 17 |
Which accounts, specifically
| Credit reporting | 18 |
| General-purpose credit card or charge card | 13 |
| Credit repair services | 10 |
| Mobile or digital wallet | 1 |
What went wrong, specifically
| Credit card company isn't resolving a dispute about a purchase on your statement | 4 |
| Account information incorrect | 3 |
| Didn't receive services that were advertised | 2 |
| Problem with product or service terms changing | 2 |
| Information is missing that should be on the report | 2 |
Busiest month: May 2024, with 5 servicemember complaints. Most were submitted by web.
Most complaints came from GA (5), IL (5), PA (5) , then FL, NC, OH.
How TomoCredit answered
| Closed with explanation | 40 |
| Closed with monetary relief | 1 |
TomoCredit responded within the CFPB's 15-day window on 83% of servicemember complaints (directory-wide: 99%). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Credit reporting or other personal consumer reports; Problem with a company's investigation into an existing problem. OH, 2024-08-22. Outcome: Closed with monetary relief. Complaint 9870684
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Credit reporting or other personal consumer reports; Problem with a company's investigation into an existing problem. OH, 2024-08-22. Outcome: Closed with explanation. Complaint 9870553
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Money transfer, virtual currency, or money service; Unauthorized transactions or other transaction problem. OH, 2024-08-11. Outcome: Closed with explanation. Complaint 9817915
If this is your problem at TomoCredit
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with credit reporting peers
- Rfna 41 servicemember complaints; 0 with money back
- Open Dealer Exchange 43 servicemember complaints; 0 with money back
- Sunbit 44 servicemember complaints; 0 with money back
- Kovo 38 servicemember complaints; 0 with money back
- Westcreek Financial 38 servicemember complaints; 0 with money back
Next in the directory by volume: Byrider Franchising, Conduent, Guild.
Frequently asked questions
How many complaints did servicemembers file against TomoCredit?
41 complaints tagged servicemember were received by the CFPB about TomoCredit Inc. between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 0 in 2023 to 17 in 2025.
What do servicemembers complain about most at TomoCredit?
Credit reporting or other personal consumer reports accounts for 18 of the 41 complaints, and the most common issue is "Credit monitoring or identity theft protection services" (8). Next: "Incorrect information on your report" (7).
Does TomoCredit give money back when a servicemember complains?
1 of the 41 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 40 closed with an explanation only. TomoCredit answered 83% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.