Debt collection -- Took or threatened to take negative or legal action -- Complaint #16555931
Complaint Overview
Complaint ID: 16555931
Company: Transform Credit INC.
Product: Debt collection
Sub-Product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Illinois
ZIP Code: 61761
Date Received: 2025-10-13T12:00:00-05:00
Date Sent to Company: 2025-10-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have a loan with transform credit. It started as a XXXX loan to boost my credit I was working with a job when I got the loan. I got an email from transform credit saying my payments were on time and they offered me a second loan of XXXX. I accepted it. I was working at XXXX XXXX about three weeks and they paused my job for XXXX weeks for my background check which I'm waiting on currently. I have filled out many jobs applications. I tried donating blood my veins were too small. I did smartshift orientation just to be told it's a startup and there's no shifts literally. My co signer XXXX ran into financial issues were her vehicle the money isn't here right now. It's a late payment of 12 days for {$180.00}. They call me constantly and harass me from different numbers threaten my credit and to take me to court over one missed payment. Yet, they were fast to offer me a second loan for doing everything right. So that's my complaint. Thanks for your time
Frequently Asked Questions
What is Complaint #16555931 about?
Complaint #16555931 was filed against Transform Credit INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2025-10-13T12:00:00-05:00.
How did Transform Credit INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Transform Credit INC.?
Yes, visit the Transform Credit INC. company profile at readthecomplaint.com/company/transform-credit-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.