Complaints

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.

• Initial Complaint

  Date:03/06/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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 03/2025, this company reported to the credit beaureau that I had some **** if real-estate loan through them with 0% on time payments. I don't even know what this is. I have disputed it on my credit report. I'm getting married in August and trying to buy a house!! I lost 40 points!!!

  

  Business Response

  Date: 03/14/2025

  Hello **** -

  We sincerely apologize for this. Your landlord, RESSCO, had enrolled you in rent reporting and reported you as delinquent. We will get this corrected for you shortly. 

  Customer Answer

  Date: 03/15/2025

  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.
  
  Regards,
  
  **** ****

• Initial Complaint

  Date:12/30/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Boom Pay **** made a false report on my credit at the beginning of this month. Stating that I was 100% late on a payment for over ************************************** nor my apartment owners to verify that it was late/unpaid just made the report to the credit bureau. When I saw this I tried to do the right thing and contact them to correct it This is when I learned how bad of a company they are I called the only number they have and it said they do not do calls anymore for efficiency and bs and refer you to the app. They say its a minimum of one week for a call back. Its been 2 business weeks and still no call. Their app they try to force on you probably makes a killing off of selling your information, just to download it and get a A.I bot when messaging. And even if you get a real person they immediately lied and blame another company for bad communication lol. They have information that proves themselves wrong on their own apps payment records and kept telling me their team was investigating the matter. They are absolute cowards and do not deserve to be in business. They will not even send an email with any info on the case, the most Ive gotten is a partial message log from the app and a were looking into itnot a call or any sort of verification that they are actually trying to handle the issue for me. Every day they keep this false information up has negatively affected me. And after 2 weeks Im done giving them patience or time. They have done everything in their power to deny the issue and post-pone fixing the mistake. And nothing to remedy this. I hope anyone that sees this will stay as far away from them as possible and do anything in their power to not support their business. Many people are making their years salary working for this joke of a company. And not a single one has the ***** to call me or fix this mistake they made. I feel for anyone who got put into position like this with Boom. The most pitiful scam of a company Ive known.

  

  Business Response

  Date: 01/09/2025

  We are in touch with ****** in resolving this issue. We've already resolved the issue with 2 out of the 3 credit agencies and working with him actively to get it resolved. Attached screenshot of text message showing that we reached out to ****** and he said that he is actively seeing the updates on his credit reports. 

• Initial Complaint

  Date:12/03/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 signed up paid 34$ and they used to have my credit score right when opening up app. I started to complain because I didnt see it, then all of a sudden, I go to go in now I have to sign up all over? They had all my roommates bank info account and routing number landlords name, all of a sudden they cant find me then message me after 7 attempts that I had closed the account? What? They totally did not provide the service I emailed them several times same response until they found my email and said I disconnected the service? What? Total scam I want my 34$ back and they need to stop scamming Americans

  

  Business Response

  Date: 12/13/2024

  Hello Evvone

  
  After looking into your complaint, we discovered that your account was closed by you. Your tradelines are all still active and being reported by all three credit agencies. We audited all of the logs in your account and can see that you closed your account on 11/10/2024. There was also an email sent to you upon your decision to close your account with **********************, which weve attached to our response.

  
  We will not be providing a refund for your account as the closure of your account was a decision/action taken by you. No one at Boom had anything to do with your account closure so there is reason for us to provide a refund to you.

  
  Best,
  Team Boom

• Initial Complaint

  Date:07/26/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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 charged $34.00 then a recent additional charge of $24.00 and have never received any services or correspondence from the company. I kept getting a bank link error on the app so I gave up. I filled out an online form for a refund, which stated I would hear from someone in three business days that was a week ago. I am disabled and dont have much energy to deal with this lack of correspondence. Im kindly requesting a refund of $58.00 and no mention of any history with this company on any credit report.

  

  Business Response

  Date: 07/26/2024

  Hi ******* - 

  Sorry to hear you're not getting timely responses. The initial $34 was for a $10 sign up fee and an annual upfront charge of $2/month totaling $34. Regarding the recent $24 charge, that was a renewal charge as the first year of rent reporting services had elapsed. 

  As you requested, we will issue a refund and delete all tradelines from your credit report related to Boom. Have a good weekend and sorry about the lack of communication again.

   

  Best,

  Team Boom

  Customer Answer

  Date: 07/26/2024

  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.
  
  Regards,
  
  *************************

• Initial Complaint

  Date:07/03/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Boom Pay showing on credit report, never signed up for or authorized this thru prior property management co. Called and was told call experian, they say they cannot remove from report without permission from Boom. Fraud to report when customer declined program

  

  Business Response

  Date: 07/26/2024

  Hello ***** -

  We received your enrollment information from your previous property manager as part of a rent reporting service provider transition from a different vendor to Boom. As part of that transition, your previous property manager provided all renter information for residents that should be enrolled with Boom. 

  As you have noted that you did not provide authorization, please note that you did provide authorization for a different rent reporting company. Your previous property manager sent communications in late 2023 to you letting you know that they were making this change.

  We will go ahead and delete your tradeline from EXP. Have a great day.

  Customer Answer

  Date: 07/26/2024

  Complaint: 21931547
  
  I am rejecting this response because: i never gave them permission to disclose my info to anyone nor did I participate in their reporting program therefore my info was shared illegally with your "company" 
  
  Regards,
  
  *********************

• Initial Complaint

  Date:06/06/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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 signed up through the Boom Pay app to report my rent to the credit bureau. When I signed up I received no message on a deadline to upload the lease. I was contacted by Boom saying they rejected my account because I didn't upload my lease and I wouldn't be refunded even though I didn't receive the service. I asked to upload it and was told I missed the window and I have to reapply and repay instead of them just letting me upload my lease at that point. Boom stole my money because Ive paid for a service I did not receive nor did I have a notice of a deadline to upload documents.

  

  Business Response

  Date: 06/13/2024

  Hi ********,
  
  We deeply regret any inconvenience caused.
  
  At Boom, we prioritize the accuracy of the data submitted to the bureau. To uphold this standard, we request supporting documents for the self-attested information you provided in the App. We understand the importance of this process, which is why we allow ample time for users to submit these documents.
  
  Regrettably, we haven't completed the validation of your account due to the absence of these necessary documents. In line with our commitment to excellent customer service, we've initiated a refund for you.
  
  A receipt has been sent for your records.
  
  Once again, we extend our sincerest apologies for any inconvenience caused.
  
  Best regards,
  
  Team Boom

  Customer Answer

  Date: 06/13/2024

  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. Thank you for my refund. I wish it could've worked out. 
  
  Regards,
  
  ***********************

• Initial Complaint

  Date:05/02/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 been emailing boom pay on September 30th 2023 and advised them I no longer wanted their services and to stop reporting. The representative ***** sent me a form I had to fill out to have this account deleted. He then stated the a representative will be getting back to me and 72 hours which didnt happen. I then contacted boom pay on October 16 2023 and the representative **** had me fill out another form and told me another rep will reach out once again nobody responded. I was finally able to get some type of status this year of 2024 and the rep told me that the account was canceled and removed from my report. The account is still reporting to this day and they are telling me to contact the credit bureaus that is not my job and the credit bureaus will only remove it if the creditor request deletion. This account does not need to be on my credit profile. It says the account is still open and last reported October 2023. They have not help me out next Im filling fcc, and cfpb report. Attached below is proof

  

  Business Response

  Date: 05/03/2024

  Hello **** -

  We sincerely apologize for any inconvenience this has caused you. We value your input and want to reassure you that we are paying close attention to the issues you have raised.
  If you notice any delays in our reply, we sincerely apologize. Boom works hard to respond to all inquiries promptly, and we'll do our best to keep you informed as we work to rectify your concern.

  We recognize the aggravating nature of consistently getting alerts regarding an open account even after you've asked for it to be terminated. We'll take care of this by making sure your tradeline is appropriately erased, and we'll get in touch with the credit bureaus to stop any more notifications.

  Rest assured, we're committed to resolving this matter swiftly and to your satisfaction. Thank you for bringing this to our attention.

• Initial Complaint

  Date:03/09/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 1/3/23 I paid Boom $59 to report my rental payment history to the credit bureaus, as well as an additional $10 to report my previous address. Boom advertises a credit impact of +100 points in as little as two weeks as a result of this reporting. It has now been over 60 days and my credit score has not increased so much as 1 point from the $69 I paid. If three years of on time rental payments is not enough to impact a credit score, then Boom doesn’t need to be advertising a thing. I have contacted them twice and they will not respond. This is a blatant scam and I want my money back for failure to deliver on what was advertised.

  Customer Answer

  Date: 04/02/2023

  Better Business Bureau:
  
  At this time, I have not been contacted by Boom Pay Inc. regarding complaint ID *********
  
  Sincerely,
  
  ******* ******
  

  

  Business Response

  Date: 08/31/2023

  Account closed and refunded on 05/24

  
  

• Initial Complaint

  Date:02/08/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 paid this company to report my rental payments to the credit bureau & after struggling to sign up and attempting over 6 times, I reached out to boom to help with this glitch. I finally downloaded the app and signed up and paid. Filled everything in & I had to reupload my lease over 9 times. Even sent them an email with my lease so they can do it manually. After all this I had a “portal issue” a month went by with me going back and forth with the reps & they didn’t couldn’t start reporting even after I had paid over a month ago. You’d think that was it but I then noticed a email typo so I asked them to please correct it & they proceeded to delete my account & told me to sign up again. I wasted a month of my time trying this service & even when I tried signing up again I was “unauthorized”. And even after they fixed that I still had problems uploading my lease AGAIN over 4 more times. Then I asked the rep and ceo to give me platforms to place a review and they denied me that. What a company. Denying feedback which they desperately need. CEO and reps need to take this more serious & maybe try and rebuild there reputation because I’m not the only one writing experiences just like this. They tried to offer me 20$ Amazon gift card and I told them I don’t use or have Amazon and asked for a credit or subscription discount and they said no. That’s all good but man what a company

  

  Business Response

  Date: 08/31/2023

  We were unable to verify necessary information related to this customer's account. Refund was issued on 03/26. 

• Initial Complaint

  Date:02/02/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Starting in September 2021, shortly after moving into my current residence in Berkeley, I signed up and paid for the services of Boom Pay Inc. The company (Boom Pay Inc.) was to report 24 months of on time rent payments at my previous residence in Oakland, to all 3 major credit reporting agencies, namely Experian, Equifax and TransUnion. And although initially Boom Pay Inc tradelines were included (reported) to these 3 credit bureaus, the information reported for Equifax and Experian did contain mistakes that needed to be corrected. More specifically, because the rent payments had to do with a previous residence, the reports were to clearly indicate that the payments were made and the accounts were closed, as indeed it was correctly reported in my TransUnion file. Since late 2021, and on numerous occasions, I have exchanged emails with Boom Pay Inc asking, pleading for the mistakes to be corrected with my Experian & Equifax. My last round of exchanges with Boom Pay Inc, started in December, 2022. As it has often been the case with this organization, email exchanges would go on for a few days, only to be asked to start the process over again. I would have to admit that it has been a very tedious, very exhausting, very frustrating process, not least because there is ABSOLUTELY no way to talk to any representative at Boom Pay to have the issue fixed. This has been a rather very stressful to me, especially as it has to do with my credit rating. Best regards, ******

  

  Business Response

  Date: 08/31/2023

  Customer issue resolved on 05/08, issue sent to credit bureuas to resolve.