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Data / Consumer complaints / BYS, LLC. d/b/a Boost Your Score

BYS, LLC. d/b/a Boost Your Score: 45 CFPB complaints

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Updated November 10, 2026. Source: CFPB Consumer Complaint Database.

BYS, LLC. d/b/a Boost Your Score drew 45 consumer complaints in the CFPB database in the three years to November 9, 2026, and 45 since 2024. The largest group, 15, was about payday loan, title loan, personal loan, or advance loan, and the most common issue was “Incorrect information on your report” with 5. The company responded on time to 97.8% of the complaints, and 2.2% closed with monetary or other relief.

The request: Watch BYS, LLC. d/b/a Boost Your Score: each new CFPB complaint by product and issue, with the date and the company response.

SpecStream is the live web data engine for teams and agents. It reads the CFPB complaint database every day, and this page is that reading. Ask for the companies you track by product, state or issue and each new complaint arrives in your sheet, CRM, Slack or agent as the CFPB publishes it.

  • 45Complaints, last 3 years
  • 45Complaints, all years
  • 97.8%Responded on time
  • 2.2%Closed with relief
  • 6Products
  • Nov 1, 2026Latest received

Complaints by year

Every year the CFPB database holds for this company, by the date received.

YearComplaints
2026, to Nov 924
202511
202410

Products

Complaints in the last three years by the product the consumer chose. A product with enough complaints has a page of its own for this company.

Issues

IssueComplaintsShare
Incorrect information on your report511.1%
Attempts to collect debt not owed48.9%
Charged upfront or unexpected fees48.9%
False statements or representation48.9%
Problem with additional add-on products or services48.9%
Problem with a lender or other company charging your account36.7%
Problem with the payoff process at the end of the loan36.7%
Closing an account24.4%
Closing your account24.4%
Getting the loan24.4%
Charged fees or interest you didn't expect12.2%
Confusing or misleading advertising or marketing12.2%
Didn't provide services promised12.2%
Getting a credit card12.2%
Getting a line of credit12.2%
Improper use of your report12.2%
Other features, terms, or problems12.2%
Problem when making payments12.2%
Problem with customer service12.2%
Problems receiving the advance12.2%
Received a loan you didn't apply for12.2%
Unable to get your credit report or credit score12.2%

How the company responded

Company responseComplaintsShare
Closed with explanation4497.8%
Closed with non-monetary relief12.2%

States

StateComplaintsShare
California715.6%
Texas715.6%
Ohio613.3%
Pennsylvania511.1%
Florida48.9%
Alabama36.7%
North Carolina24.4%
New Jersey24.4%
Virginia24.4%
Hawaii12.2%
Illinois12.2%
Massachusetts12.2%
Michigan12.2%
Nevada12.2%
New York12.2%
South Carolina12.2%

Latest 45 complaints

Newest first. Each row links to the complaint's record in the CFPB database.

ReceivedProductIssueCompany responseSource
November 1, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 1, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
November 1, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
October 8, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 2, 2026Debt collectionAttempts to collect debt not owedClosed with explanationconsumerfinance.gov
September 24, 2026Payday loan, title loan, personal loan, or advance loanGetting a line of creditClosed with explanationconsumerfinance.gov
September 22, 2026Payday loan, title loan, personal loan, or advance loanIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 16, 2026Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
August 31, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
August 25, 2026Payday loan, title loan, personal loan, or advance loanGetting the loanClosed with explanationconsumerfinance.gov
August 21, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
August 20, 2026Checking or savings accountProblem with a lender or other company charging your accountClosed with explanationconsumerfinance.gov
August 19, 2026Debt or credit managementCharged upfront or unexpected feesClosed with explanationconsumerfinance.gov
August 18, 2026Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
August 18, 2026Payday loan, title loan, personal loan, or advance loanReceived a loan you didn't apply forClosed with explanationconsumerfinance.gov
August 18, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
August 14, 2026Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
August 14, 2026Debt or credit managementConfusing or misleading advertising or marketingClosed with explanationconsumerfinance.gov
August 10, 2026Payday loan, title loan, personal loan, or advance loanProblem with the payoff process at the end of the loanClosed with explanationconsumerfinance.gov
July 27, 2026Credit reporting or other personal consumer reportsUnable to get your credit report or credit scoreClosed with explanationconsumerfinance.gov
July 1, 2026Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
May 30, 2026Credit cardClosing your accountClosed with explanationconsumerfinance.gov
March 28, 2026Debt or credit managementCharged upfront or unexpected feesClosed with explanationconsumerfinance.gov
February 24, 2026Debt or credit managementCharged upfront or unexpected feesClosed with explanationconsumerfinance.gov
December 21, 2025Credit cardClosing your accountClosed with explanationconsumerfinance.gov
November 5, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with non-monetary reliefconsumerfinance.gov
October 27, 2025Credit reporting or other personal consumer reportsIncorrect information on your reportClosed with explanationconsumerfinance.gov
September 12, 2025Payday loan, title loan, personal loan, or advance loanCharged fees or interest you didn't expectClosed with explanationconsumerfinance.gov
July 21, 2025Payday loan, title loan, personal loan, or advance loanIncorrect information on your reportClosed with explanationconsumerfinance.gov
July 12, 2025Credit cardProblem when making paymentsClosed with explanationconsumerfinance.gov
July 8, 2025Checking or savings accountProblem with a lender or other company charging your accountClosed with explanationconsumerfinance.gov
June 9, 2025Credit cardOther features, terms, or problemsClosed with explanationconsumerfinance.gov
March 28, 2025Credit cardGetting a credit cardClosed with explanationconsumerfinance.gov
February 19, 2025Credit reporting or other personal consumer reportsImproper use of your reportClosed with explanationconsumerfinance.gov
January 2, 2025Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
December 28, 2024Debt or credit managementCharged upfront or unexpected feesClosed with explanationconsumerfinance.gov
December 28, 2024Debt collectionFalse statements or representationClosed with explanationconsumerfinance.gov
October 24, 2024Debt or credit managementDidn't provide services promisedClosed with explanationconsumerfinance.gov
September 16, 2024Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
August 6, 2024Checking or savings accountProblem with a lender or other company charging your accountClosed with explanationconsumerfinance.gov
July 1, 2024Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
June 11, 2024Payday loan, title loan, personal loan, or advance loanProblem with additional add-on products or servicesClosed with explanationconsumerfinance.gov
May 22, 2024Payday loan, title loan, personal loan, or advance loanProblems receiving the advanceClosed with explanationconsumerfinance.gov
May 1, 2024Checking or savings accountClosing an accountClosed with explanationconsumerfinance.gov
March 22, 2024Debt or credit managementProblem with customer serviceClosed with explanationconsumerfinance.gov

Also on SpecStream

Public data from the Consumer Financial Protection Bureau (US government work), free for anyone to use. A complaint count is not a rate. A company with more customers can draw more complaints and a state with more people draws more, so this page compares counts only and ranks no one as better or worse. A complaint is a consumer's own account and does not by itself show that a company broke a law. The CFPB publishes a complaint after the company responds, or after 15 days, whichever comes first, and the database is not a statistical sample of consumers' experiences. Company responses are as the company reported them to the CFPB. The CFPB's product names changed over time, and the counts of the three years combine the old and new names of credit reporting. Consumer narratives and names are not shown on this page. This page uses CFPB data and is not endorsed by the CFPB. Free to reuse with credit to SpecStream under CC BY 4.0. Spot a wrong value? Write to [email protected] with the link to this page.

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