Payday loan, title loan, personal loan, or advance loan -- Charged fees or interest you didn't expect -- Complaint #18696303
Complaint Overview
Complaint ID: 18696303
Company: Transform Credit INC.
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Personal line of credit
Issue: Charged fees or interest you didn't expect
State: Florida
ZIP Code: XXXXX
Date Received: 2025-11-19T12:00:00-05:00
Date Sent to Company: 2026-01-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Tried to apply for a loan and when thought the motion and all was good. Company asked for banking information to make deposits but after getting the information they wanted a cosigner. Did not have a cosigner so application was canceled. Now months later I noticed a ACH withdrawal of {$5.00} from my bank account.
Frequently Asked Questions
What is Complaint #18696303 about?
Complaint #18696303 was filed against Transform Credit INC. regarding Payday loan, title loan, personal loan, or advance loan specifically about Charged fees or interest you didn't expect. It was received by the CFPB on 2025-11-19T12:00:00-05:00.
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 (Payday loan, title loan, personal loan, or advance loan) 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.