Data / Consumer complaints / BYS, LLC. d/b/a Boost Your Score
BYS, LLC. d/b/a Boost Your Score: 45 CFPB complaints
The full list. Companies with consumer complaints to the CFPB: 5,399 rows, $133.99. $10 of credit on sign-up, no card. Pay by card with no account. Prices exclude VAT. CSV and Excel files with the columns this page does not show (company, company as the CFPB records it, complaints, last 3 years, complaints, last 12 months, complaints, 12 months before, complaints, 12 months before that and 8 more), which open on your screen as soon as the payment clears and come by email. For agents and scripts: every list with its row count and price is at https://specstream.ai/data/lists.json.
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.
| Year | Complaints |
|---|---|
| 2026, to Nov 9 | 24 |
| 2025 | 11 |
| 2024 | 10 |
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.
| Product | Complaints | Share |
|---|---|---|
| Payday loan, title loan, personal loan, or advance loan | 15 | 33.3% |
| Debt collection | 8 | 17.8% |
| Debt or credit management | 7 | 15.6% |
| Checking or savings account | 5 | 11.1% |
| Credit card | 5 | 11.1% |
| Credit reporting or other personal consumer reports | 5 | 11.1% |
Issues
| Issue | Complaints | Share |
|---|---|---|
| Incorrect information on your report | 5 | 11.1% |
| Attempts to collect debt not owed | 4 | 8.9% |
| Charged upfront or unexpected fees | 4 | 8.9% |
| False statements or representation | 4 | 8.9% |
| Problem with additional add-on products or services | 4 | 8.9% |
| Problem with a lender or other company charging your account | 3 | 6.7% |
| Problem with the payoff process at the end of the loan | 3 | 6.7% |
| Closing an account | 2 | 4.4% |
| Closing your account | 2 | 4.4% |
| Getting the loan | 2 | 4.4% |
| Charged fees or interest you didn't expect | 1 | 2.2% |
| Confusing or misleading advertising or marketing | 1 | 2.2% |
| Didn't provide services promised | 1 | 2.2% |
| Getting a credit card | 1 | 2.2% |
| Getting a line of credit | 1 | 2.2% |
| Improper use of your report | 1 | 2.2% |
| Other features, terms, or problems | 1 | 2.2% |
| Problem when making payments | 1 | 2.2% |
| Problem with customer service | 1 | 2.2% |
| Problems receiving the advance | 1 | 2.2% |
| Received a loan you didn't apply for | 1 | 2.2% |
| Unable to get your credit report or credit score | 1 | 2.2% |
How the company responded
| Company response | Complaints | Share |
|---|---|---|
| Closed with explanation | 44 | 97.8% |
| Closed with non-monetary relief | 1 | 2.2% |
States
| State | Complaints | Share |
|---|---|---|
| California | 7 | 15.6% |
| Texas | 7 | 15.6% |
| Ohio | 6 | 13.3% |
| Pennsylvania | 5 | 11.1% |
| Florida | 4 | 8.9% |
| Alabama | 3 | 6.7% |
| North Carolina | 2 | 4.4% |
| New Jersey | 2 | 4.4% |
| Virginia | 2 | 4.4% |
| Hawaii | 1 | 2.2% |
| Illinois | 1 | 2.2% |
| Massachusetts | 1 | 2.2% |
| Michigan | 1 | 2.2% |
| Nevada | 1 | 2.2% |
| New York | 1 | 2.2% |
| South Carolina | 1 | 2.2% |
Latest 45 complaints
Newest first. Each row links to the complaint's record in the CFPB database.
| Received | Product | Issue | Company response | Source |
|---|---|---|---|---|
| November 1, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| November 1, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| November 1, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| October 8, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| October 2, 2026 | Debt collection | Attempts to collect debt not owed | Closed with explanation | consumerfinance.gov |
| September 24, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting a line of credit | Closed with explanation | consumerfinance.gov |
| September 22, 2026 | Payday loan, title loan, personal loan, or advance loan | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| September 16, 2026 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| August 31, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| August 25, 2026 | Payday loan, title loan, personal loan, or advance loan | Getting the loan | Closed with explanation | consumerfinance.gov |
| August 21, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| August 20, 2026 | Checking or savings account | Problem with a lender or other company charging your account | Closed with explanation | consumerfinance.gov |
| August 19, 2026 | Debt or credit management | Charged upfront or unexpected fees | Closed with explanation | consumerfinance.gov |
| August 18, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| August 18, 2026 | Payday loan, title loan, personal loan, or advance loan | Received a loan you didn't apply for | Closed with explanation | consumerfinance.gov |
| August 18, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| August 14, 2026 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| August 14, 2026 | Debt or credit management | Confusing or misleading advertising or marketing | Closed with explanation | consumerfinance.gov |
| August 10, 2026 | Payday loan, title loan, personal loan, or advance loan | Problem with the payoff process at the end of the loan | Closed with explanation | consumerfinance.gov |
| July 27, 2026 | Credit reporting or other personal consumer reports | Unable to get your credit report or credit score | Closed with explanation | consumerfinance.gov |
| July 1, 2026 | Checking or savings account | Closing an account | Closed with explanation | consumerfinance.gov |
| May 30, 2026 | Credit card | Closing your account | Closed with explanation | consumerfinance.gov |
| March 28, 2026 | Debt or credit management | Charged upfront or unexpected fees | Closed with explanation | consumerfinance.gov |
| February 24, 2026 | Debt or credit management | Charged upfront or unexpected fees | Closed with explanation | consumerfinance.gov |
| December 21, 2025 | Credit card | Closing your account | Closed with explanation | consumerfinance.gov |
| November 5, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with non-monetary relief | consumerfinance.gov |
| October 27, 2025 | Credit reporting or other personal consumer reports | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| September 12, 2025 | Payday loan, title loan, personal loan, or advance loan | Charged fees or interest you didn't expect | Closed with explanation | consumerfinance.gov |
| July 21, 2025 | Payday loan, title loan, personal loan, or advance loan | Incorrect information on your report | Closed with explanation | consumerfinance.gov |
| July 12, 2025 | Credit card | Problem when making payments | Closed with explanation | consumerfinance.gov |
| July 8, 2025 | Checking or savings account | Problem with a lender or other company charging your account | Closed with explanation | consumerfinance.gov |
| June 9, 2025 | Credit card | Other features, terms, or problems | Closed with explanation | consumerfinance.gov |
| March 28, 2025 | Credit card | Getting a credit card | Closed with explanation | consumerfinance.gov |
| February 19, 2025 | Credit reporting or other personal consumer reports | Improper use of your report | Closed with explanation | consumerfinance.gov |
| January 2, 2025 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| December 28, 2024 | Debt or credit management | Charged upfront or unexpected fees | Closed with explanation | consumerfinance.gov |
| December 28, 2024 | Debt collection | False statements or representation | Closed with explanation | consumerfinance.gov |
| October 24, 2024 | Debt or credit management | Didn't provide services promised | Closed with explanation | consumerfinance.gov |
| September 16, 2024 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| August 6, 2024 | Checking or savings account | Problem with a lender or other company charging your account | Closed with explanation | consumerfinance.gov |
| July 1, 2024 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| June 11, 2024 | Payday loan, title loan, personal loan, or advance loan | Problem with additional add-on products or services | Closed with explanation | consumerfinance.gov |
| May 22, 2024 | Payday loan, title loan, personal loan, or advance loan | Problems receiving the advance | Closed with explanation | consumerfinance.gov |
| May 1, 2024 | Checking or savings account | Closing an account | Closed with explanation | consumerfinance.gov |
| March 22, 2024 | Debt or credit management | Problem with customer service | Closed with explanation | consumerfinance.gov |
Also on SpecStream
- Every company with Payday loan, title loan, personal loan, or advance loan complaints
- Every company with Debt collection complaints
- Every company with Debt or credit management complaints
- Every company with Checking or savings account complaints
- Consumer complaints in California
- Consumer complaints in Texas
- Consumer complaints in Ohio
- All consumer complaints
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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