Reviews of CTOS

By: CTOS DATA SYSTEMS SDN BHD

List of user reviews and ratings for CTOS

Total ratings

2.88 (Rating count: 3,720)

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Review summary

User reviews repeatedly cite instability, login/signup failures, and payment-related frustrations. Privacy concerns and permission prompts are common, with many reports of paid attempts yielding no results. Access to CTOS data and reports is the app's intended function, but reliability and transparency are major drawbacks.

Pros

Some reviewers describe the app as good.
The app's purpose is to provide access to CTOS data and reports.
A minority of users find it usable despite issues.

Cons

Significant stability issues: crashes, freezes, and the app not opening.
Frequent authentication and sign-up problems: login failures, OTP/TAC delays, server errors.
Payment and subscription problems: paid for reports but no results, demands for ongoing payments, perceived scams.
Data privacy and heavy permission requests: concerns about data protection and why storage/phone permissions are needed.
Report access problems after payment: reports not retrieved or visible, details not loading or accessible.

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User Reviews

Recent rating average: 1.00

All time rating average: 2.88

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84% (80)

Date	Author	Comment
2026-06-10	At*****	bad, after pay money can't get access code for log in CTOS ACCOUNT
bad, after pay money can't get access code for log in CTOS ACCOUNT
2026-06-08	Ha*****	why CTOS report are 100% affecting loan application instead of CCRIS? Not 100% of CTOS report are correct. have you consider of Company Scaming people? if you don't care then Why should loan company care about CTOS?
why CTOS report are 100% affecting loan application instead of CCRIS? Not 100% of CTOS report are correct. have you consider of Company Scaming people? if you don't care then Why should loan company care about CTOS?
2026-05-25	T.*****	I've already paid, but when I try to download the score, it's asking me to pay again. What's going on??
I've already paid, but when I try to download the score, it's asking me to pay again. What's going on??
2026-05-11	Hu*****	Scam.. Sudah beli report sumarry masih juga ditempat meter yang sama pada bulan2 sebelum nya
Scam.. Sudah beli report sumarry masih juga ditempat meter yang sama pada bulan2 sebelum nya
2026-05-01	Ge*****	i already paid for report but can't even sign in... scam
i already paid for report but can't even sign in... scam
2026-04-29	Az*****	Rubbish! I was stuck in unending cycle of login, otp, login, otp, verify, login, otp, otp, otp, otp and now I'm locked out of logging in because there are over a dozen otp sent to me and i don't even know which one it is. I paid for ctos report to be sent to my mail.
Rubbish! I was stuck in unending cycle of login, otp, login, otp, verify, login, otp, otp, otp, otp and now I'm locked out of logging in because there are over a dozen otp sent to me and i don't even know which one it is. I paid for ctos report to be sent to my mail.
2026-04-28	Ji*****	sudah bayar tak bagi report, call office pun takde orang angkat
sudah bayar tak bagi report, call office pun takde orang angkat
2026-04-27	sy*****	can't even log in to the apps please fix it
can't even log in to the apps please fix it
2026-04-24	Mu*****	I paid for the new report and score but got nothing. Call customer care but my case kept pending until now. Always got email for more payment, even I already paid for that. Previous report cannot be downloaded.
I paid for the new report and score but got nothing. Call customer care but my case kept pending until now. Always got email for more payment, even I already paid for that. Previous report cannot be downloaded.
2026-04-22	Su*****	I pay for nothing. I can't sign-in
I pay for nothing. I can't sign-in