Complaints

This profile includes complaints for Transform Credit Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Transform Credit Inc.

  1440 W Taylor St # 431 Chicago, IL 60607-4623

• 

  Transform Credit Inc.

  125 S Clark St 16th floor Chicago, IL 60603

• 

  Transform Credit Inc.

  332 S Michigan Ave # 9 Chicago, IL 60604-4434

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/29/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  PROMISSORYNOTE TransformCredit **** Credit Contract for ******* ****** LoanReference;Borrower Name; ******* ****** Borrower Address; *********************************************************** Name; TransformCredit ****Creditor Business Address;TransformCredit Inc *************************************************** ??????????????????????????????????????????????FEDERAL TRUTH-IN-LENDINGDISCLOSURES ANNUAL PERCENTAGERATE (APR); **35.99%**Thecost of yourcreditasa yearly rate.FINANCECHARGE; **$ 4,499.20**The dollaramount thecredit willcost you.Amount Financed; $ ******** Theamount ofcredit provided to you or on your ************ ofAllPayments; $ ******** Theamount youwill have paid after you have madeallthe paymentsas scheduled.Your paymentschedule will be:Number ofPayments; 48 Amount ofPayments; $ ****** When Paymentsare Due; Monthly, starting 30 daysafter theloan is disbursed to your guarantor.Itemization oftheamount financed:Amount disbursed to your guarantor; $ ******** Loan proceeds paid on youraccount; $0.00 Amount paid to public officials; $0.00 Amount paid to others; $0.00 Prepaid financecharge; ($0.00)= Amount financed: $ ******** I HAVE NEVER APPLIED FOR A LONE IN MY LIFE. NOT TO MENTION I HAVENT LIVED AT THIS ADDRESS IN YEARS. I HAVE NEVER HEARD OF THIS COMPANY, AND THEY ARE ON MY CREDIT REPORT. IT NEEDS TO BE REMOVED FROM MY CREDIT REPORT THEY HAVE FORGED MY SIGNATURE ON FAUSE DOCUMENTS, AND ALLIGATIONS. IM NOT SURE HOW THEY RIETREVED MY INFOMATION.??????????????????????????????????????????????

  Business Response

  Date: 07/14/2025

  Dear *******,
  
  Thank you for your complaint submitted via the Better Business Bureau. We appreciate the opportunity to review your concerns.
  
  After a full review, we can confirm that the loan application has already been canceled and no funds were ever disbursed in your name. To ensure your protection moving forward, we have also added an internal fraud-risk flag to your file. This means that should anyone attempt to submit a new application using your information, it will be automatically blocked from proceeding.
  
  Additionally, weve checked your credit report and can confirm that no account from ********************** has been reported to Experian in your name.
  
  We understand how frustrating it can be to deal with concerns like these, and we hope the actions we've taken provide you with peace of mind. Based on the steps completed, we now consider this matter fully resolved.
  
  If you have any further questions or need additional assistance, please dont hesitate to reach out to us directly at ********************************* We're always happy to help.
  
  Best regards,
  *******
  Complaints Team
  Transform Credit Inc.

• Initial Complaint

  Date:06/27/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On June 25th, I was approved for a loan for $4,250. My dad had to co-sign, which they require. They did video chat with him to confirm his understanding of the terms. He recently had eye surgery and they wouldnt allow my stepmom to help him read the account information to him, yelling at him asking if he was being coerced. Well, he gave him the account number and accidentally added check number to the end. We realized this on 26th and they said it would bounce back and then it would be redistributed. On 27th I contacted my bank. They went back to the 23rd and reviewed every ACH to see if any check had attempted to go through for the amount or in my dads name. They saw nothing. Despite account number being wrong, the routing number was correct so the bank assured it would see it. The lady I spoke with today tried to convince me that banks cannot see an ACH despite getting my bank on conference call assuring her that they cannot see them, even if the account number isnt correct and that they have records of ones that are bounced back. Nothing has even attempted to go through. It. Cant be reissued until it is bounced back, but they have not even sent it clearly. I was told today that they could not stay on phone with me to deal with this, that they have other customers, and that I am still liable to pay the entire loan back. In the mess of this, I lost a home I was supposed to put a down payment on. My bank said they can see any ACH that attempts to go through to a routing number and if account info is not correct, they kick it back. They cannot see any attempt and said it has not been sent. I was also told they dont allow anyone to speak to the finance department so Ive been basically wished the best of luck and stuck with a loan to pay that I never received.

  Business Response

  Date: 07/11/2025

  Dear ****,
  
  Thank you for submitting your concerns through the Better Business Bureau. Were sorry to hear about your recent experience and fully understand how frustrating it must have been to face delays in receiving your loan funds, especially under such time-sensitive circumstances. We appreciate the opportunity to provide further clarity and context, and Im glad to confirm that this matter has since been resolved internally and your loan was successfully disbursed to the correct account on June 30, 2025.
  
  When your application was approved, the loan was initially disbursed on June 25 to the bank account information that was provided and verified by your cosigner during their verbal agreement. Unfortunately, that account number included a check number appended to the end, which made the account details invalid. Because the disbursement fell just before a weekend, it took until June 30 for the funds to be formally returned to us. As soon as we received notice that the original disbursement had bounced back, we immediately re-issued the loan that same day to the updated account details confirmed by your cosigner. The funds were delivered successfully.
  
  We understand that this delay was extremely stressful, particularly given the urgent nature of your financial plans, and we sincerely regret any hardship this may have caused. However, I want to reassure you that we acted as quickly as possible once the funds were returned to us, and that we have no control over how long a receiving bank takes to return rejected funds. Despite your banks assertion that no attempt was made, our systems show the original disbursement was submitted on June 25 and was returned on June 30.
  
  Regarding the verbal contract call, **** reviewed the recording and can confirm that the agent remained polite and professional throughout the interaction. Our verification process is designed to ensure that cosigners fully understand their responsibilities and are making decisions independently, without outside influence. While we appreciate that your father recently had eye surgery, we are required by our internal policy to speak directly and exclusively with the individual agreeing to cosign, without third-party involvement. This is a critical safeguard against fraud or coercion and ensures all parties are entering the agreement freely and with full understanding.
  
  We understand your disappointment with how this situation unfolded and we truly empathize with the inconvenience caused by the delay. The funds were disbursed to the account details provided, and when that disbursement failed, we acted immediately to reissue the loan. Our team also made repeated efforts to explain this process to you and assist where possible.
  
  Now that the loan has been successfully funded, we consider this matter resolved. If you have any further questions or would like assistance managing your loan, you are always welcome to contact our team at ************************************** or by replying to any of our text messages.
  
  Sincerely,
  *******
  Complaints Team
  Transform Credit Inc.
  
  

• Initial Complaint

  Date:06/27/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was not aware of the 5.00 a month charge. No notice I have to freeze my checking account because I didn't know who was taking the money from my account

  Business Response

  Date: 07/11/2025

  Dear ******,
  
  Thank you for your message submitted via the Better Business Bureau. Weve reviewed your concern and can confirm that your account has been closed and a refund has been issued. Based on these actions, we now consider the matter resolved.
  
  For future concerns, we encourage you to contact us directly at ********************************* many issues can be resolved quickly and easily this way. We're always here to help and appreciate the opportunity to support our customers.
  
  Best regards,
  *******
  Complaints Team
  Transform Credit Inc.

• Initial Complaint

  Date:06/25/2025

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received a text from this business saying that I applied from a loan. I did not. I'm trying to call the business and find out what is going on and I can't get a human on the phone. This is identity theft.

  Business Response

  Date: 07/10/2025

  Dear ****,
  
  Thank you for submitting your complaint via the Better Business Bureau. We appreciate the opportunity to review your concerns and provide clarification.
  
  We can confirm that the loan application associated with your personal information has been fully canceled and no funds were disbursed. Additionally, we have placed a fraud risk flag on your file. This means that if anyone attempts to use your information again, the application will be automatically blocked and prevented from progressing.
  
  As this issue has been resolved internally and the necessary safeguards are now in place, we consider the matter closed. If you have any further questions or require additional assistance, please feel free to contact us directly at **********************************************************.
  
  Sincerely,
  *******
  Complaints Team
  Transform Credit Inc.

  Customer Answer

  Date: 07/17/2025

   
  Complaint: 23516199
  
  I am rejecting this response because:

  This business has zero methods to contact them unless you file a BBB complaint.   This company needs to have contact methods available for fraud victims. 

  
  Sincerely,
  
  **** ******

  Business Response

  Date: 07/21/2025

  Dear ****,
  
  Thank you for your continued engagement via the Better Business Bureau. We take identity theft concerns extremely seriously and appreciate the opportunity to clarify the steps weve taken in response to your report.
  
  After thoroughly reviewing the matter, we can confirm that no loan has been issued in your name, and your information has been permanently flagged in our system to prevent any future applications from progressing. As of now, there is no active account or disbursed loan associated with your details at Transform Credit.
  
  The information we received came through a third-party lead generator, Search ********, on June 24 and included your full name, phone number, email address, and home address, all of which matched the information submitted in your BBB complaint. This suggests that the application was either submitted by you or by someone with full access to your personal information. If you believe this was done without your consent, we strongly encourage you to reach out to the lead generator directly, file a police report to formally document the identity theft, and place a fraud alert or freeze on your credit file to prevent further misuse.
  
  We recognize that you attempted to call us; however, as no voicemail was left, our team had no indication that follow-up was needed. Had you emailed us at ******************************** or responded to the text message we sent, we would have been able to address your concern directly and immediately, just as we did once your BBB complaint was received. Following your complaint, we attempted to reach you by phone and followed up via both text and email to confirm that the application had been canceled and that a fraud risk flag had been applied.
  
  While we regret any frustration this situation may have caused, we want to make it clear that we acted promptly and appropriately as soon as we were made aware of the issue. We are committed to supporting consumers and maintaining the integrity of our application process. We also encourage individuals to reach out to us directly whenever possible, as this ensures the fastest and most efficient resolution.
  
  Based on the steps taken and the safeguards now in place, we consider this matter fully resolved. If you have any additional questions or would like further assistance, please dont hesitate to contact us at ********************************.
  
  Sincerely,
  
  Complaints Team
  Transform Credit Inc.

  Customer Answer

  Date: 07/22/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  

  I would suggest that any individual looking into this company not use them based upon how difficult it was for me to contact them when I was the victim of identity theft.

  
  Sincerely,
  
  **** ******

• Initial Complaint

  Date:06/24/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  It all started back on October 2024. I honestly don't know how in the heck they got my banking information but the all of a sudden starting withdrawing 5.00 each month either on the 19th or the 20th of each month without my permission!! I don't why or how the figured they could do this, I thought this was something to do with my bank fees. I didn't question until May if 2025 because I thought it was my bank but I lost my job due to a work injury. So I didn't have any income coming to when they withdrew this money they hammered me ***** overdraft fee. What the h*** is going on. I got in contact with my bank, they couldn't stop it because they didn't have any information about this company. I have emailed them and called them, threatening them, low and behold they did it again in fricken June!! Another ***** overdraft fee. Now we're up to $140. 00 since last October with all the 5.00 withdrawals that I have never, ever approved!! My bank told me to start with you guys, I have asked my work attorney, if I can file a class action suit against them, he is reaching out to a different attorney to ask them, this is crazy beyond crazy, how did this happen?? I want my money back from on theses thrives!! Please let me know which way to go . Thanks *****

  Business Response

  Date: 07/09/2025

  Dear *****,
  
  Thank you for your complaint submitted via the BBB. We empathize with the financial difficulty youve described.
  
  After reviewing your account, we confirmed that you enrolled in our CreditBuilder program on September 17, 2024, during your loan application. As part of enrollment, you authorized monthly $5 payments, and a welcome email with full program details was sent immediately to the email address you provided. Monthly payment reminders were also sent to that address.
  
  When you contacted us on June 20, 2025, we immediately canceled your CreditBuilder account the same day and confirmed this by email. We also refunded all payments made since enrollment as a gesture of goodwill. Weve attached a letter for your bank explaining the situation, which may help you recover any overdraft fees, though Transform Credit does not issue or control those fees.
  
  While we followed the instructions provided during enrollment and kept you informed through the email on file, we recognize that the communication breakdown caused confusion. Weve taken steps to close the account and resolve the matter in full.
  
  We consider this complaint fully addressed and respectfully stand by the resolution offered.
  
  Kind regards,
  Complaints Team
  Transform Credit
  

• Initial Complaint

  Date:06/24/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In Feb 2025 i was approved for a loan with my brother as a cosigner. However my brother was sent the money i was supposed to be responsible for. A bunch of bills came out of his account so i never saw the $3000. The company has treated this as a coborrowing situation my brother should have never been bother unless i missed a payment. This should be completely removed from both of our credit. Next step is i file with the court.

  Business Response

  Date: 07/08/2025

  Dear *****,
  
  Thank you for submitting your concerns through the BBB. We understand that you are disputing responsibility for a loan originated on 01/14/2025 on the basis that the loan proceeds were deposited to your cosigners bank account, and that you did not personally receive or benefit from the full loan amount. You also expressed concern about your cosigner being contacted and the loan being reported to both of your credit files. We appreciate the opportunity to address your concerns and provide full clarity on the matter.
  
  At Transform Credit, we follow a detailed verification process for all applications, including electronic signature, credit authorization, and a recorded verbal contract call in which both borrower and cosigner confirm their agreement to the loan terms. During this process, both parties are informed that the loan funds will be deposited directly into the cosigners validated bank account. This structure serves as a safeguard against identity theft and ensures that the cosigner is fully aware of and engaged in the process, as they are agreeing to be equally responsible for repayment of the loan.
  
  Both you and your cosigner signed separate, legally binding agreements confirming that if the borrower missed a payment, the cosigner would be responsible for making it. This was also clearly explained during the verbal contract call prior to disbursal. At no point is the loan treated as a co-borrowing arrangement; rather, it is a cosigned loan in which both parties are fully and individually responsible for repayment under the terms they agreed to.
  
  Unfortunately, none of the payments made on this account have been on time. In accordance with the agreement, we notify and attempt to collect from the cosigner as soon as a payment is missed by the borrower to prevent the loan from falling further behind or affecting either partys credit. As of today, the loan is 86 days past due with a past due amount of $382.05.
  
  We have reviewed the credit reporting on this loan and confirm that the information accurately reflects the payment history of the account. We do not report inaccurate or unverifiable data, and we cannot remove valid trade lines from credit files.
  
  We understand your frustration regarding the loan proceeds and payment history. However, as both you and your cosigner agreed to the terms, including joint responsibility for repayment, the obligations remain in effect. If there are concerns over how the funds were used or shared between you and your cosigner, this would fall outside the scope of our agreement.
  
  If you would like to bring the loan current or discuss available repayment options, we encourage you to reach out to us directly at *************************************** Our team is happy to help.
  
  Sincerely,
  *******
  Complaints Team
  Transform Credit Inc.
  

  Customer Answer

  Date: 07/09/2025

   
  Complaint: 23512345
  
  I am rejecting this response because:
  I was at the time unaware of the difference between coborrow and cosigner. The moment the loan was sent to his bank account it made it coborrowing which is not what i signed up for. The borrower and i have compared emails and call logs and each and every time he was contacted before me. Your company has treated this more like his loan rather than mine. I will start to make payment when you lower what i owe to $2500 because thar is what i recieved and you drop him off of the loan entirely. Otherwise i refuse to start paying on this loan that hasnt been properly executed.
  Sincerely,
  
  ***** ******

  Business Response

  Date: 07/17/2025

  Dear *****,
  
  Thank you for your response to our earlier message. We understand that you are now requesting to reduce your loan balance and remove your cosigner from the agreement due to your belief that the funds were not handled as you intended. We appreciate the opportunity to reaffirm the agreed terms and our position.
  
  At Transform Credit, all borrowers and cosigners are fully informed of the loan structure before disbursement. This includes clear communication, both written and verbal, that the loan funds would be deposited into the cosigners bank account. This safeguard is in place to protect against identity theft and ensure that the cosigner understands their shared responsibility.
  
  You completed every step of the application process, including electronically signing the loan agreement and participating in a pre-disbursement call where the loan terms were clearly explained. At no point during the process did you raise any concerns about the funding method or the cosigner arrangement. If you had disagreed with any part of the loan structure, you were free to cancel the application prior to funding.
  
  The suggestion that the loan became a "co-borrowing" arrangement simply because the funds were sent to your cosigner is not accurate. This remains a cosigned loan, as clearly documented in your signed promissory note and the guarantee and indemnity agreement signed by your cosigner. Under these terms, you are responsible for making payments on time, and your cosigner is responsible for any payments on the loan as soon as they are missed. Both parties accepted full responsibility for repayment of this loan, and that commitment remains legally binding. Any disputes regarding how the funds were used fall outside the scope of our agreement and would need to be resolved between you and your cosigner.
  
  Regarding your concerns about communication timing: we send the same loan status notifications, including payment reminders and arrears notices, to both borrower and cosigner simultaneously as the account status affects both parties. Any difference in receipt timing is due to external factors, such as email processing, not prioritization of one party over another.
  
  As of today, this loan is 99 days past due with a balance of $509.40. No payments have been made on time, and as outlined in your agreement, once a payment is missed, the cosigner is contacted and responsible. Given that the loan was executed in full compliance with our policies and both parties signed agreements, we are unable to reduce the balance or remove your cosigner from the loan. Your obligations remain unchanged.
  
  We hope this explanation illuminates your responsibilities and reaffirms your agreement, and accordingly, we consider this matter resolved. However, we are committed to working with you to resolve the account and encourage you to contact our team at ************************************** to discuss payment options.
  
  Sincerely,
  *******
  Complaints Team
  Transform Credit Inc.
  

  Customer Answer

  Date: 07/18/2025

   
  Complaint: 23512345
  
  I am rejecting this response because:
  

  I am not stupid, I have researched the difference. So you rejected my proposal. Fine. I offered to pay but you refused the deal. You will not receive a dime do to your fraudulant practices. Have a good day.

  
  Sincerely,
  
  ***** ******

• Initial Complaint

  Date:06/23/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  June 20, 2025 I applied for a loan through transform credit. I got my co-signer as requested by transform credit. We submitted all the information and I was denied. Transform credits criteria is the co-signer must own a house OR have a 700 credit score. My co-signer has owned her house for 40 years but her credit score is 630 not a 700 credit score. We appealed the decision through transform credit but never received a response. I got a text from someone at transform credit that stated my co-signer was denied because she failed to meet their criteria in the underwriting checks. She absolutely met the criteria because she owns her house. No where in any part of the application process does it say the co-signer must own a house AND have a 700 credit score. The criteria is either own a house OR have a 700 credit score not both. I tried to reply to the message that I received from the person at Transform credit but the message wouldnt go through because my number had been blocked. I sent other messages to that number a received replies. The text I received stated a 750 + credit score which is different than the original statement.****** *******

  Business Response

  Date: 07/08/2025

  Dear ******,
  
  Thank you for reaching out via the Better Business Bureau to express your concerns regarding your recent application with Transform Credit. We appreciate the opportunity to clarify and provide transparency around our process.
  
  Our goal is always to offer a fair and clearly communicated lending experience. Were sorry to hear that you felt the process was unclear. To help prevent any misunderstanding, we display key eligibility requirements, including the need for a qualified co-signer, on multiple areas of our website, including our FAQs and application pages. These requirements are an essential part of our lending model, which allows us to offer loans to borrowers who may not qualify on their own by relying on the financial strength of a co-signer.
  
  Regarding your application specifically, we reviewed the information submitted and can confirm that your chosen co-signer did not meet our internal underwriting criteria. While your co-signer is a homeowner, they did not meet the required credit history to qualify. While our criteria state that a co-signer must either own a home or have a strong credit profile, the overall file, including credit history and affordability, must still pass our broader underwriting checks. In this case, it did not. These checks are in place to protect both borrower and co-signer and ensure that all loans issued are financially sustainable.
  
  We can also confirm that your application has since been canceled. If you remain interested in moving forward with a loan, wed be happy to reopen your application with a new co-signer who meets the qualifications. Please feel free to contact us at ******************************** for further assistance.
  
  Additionally, we want to address your concern regarding blocked communication. We have not blocked your number. Its possible that our messaging provider experienced a delivery issue, which wed be happy to investigate further. We remain committed to open communication and encourage you to reach out if you believe any technical error has occurred.
  
  We hope this response brings clarity to your experience and confirms that your application was handled in line with our published policies. We now consider this matter resolved.
  
  Sincerely,
  *******
  Complaints Team
  Transform Credit Inc.
  

• Initial Complaint

  Date:06/21/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I started a loan with Transform Credit on January 14, 2025. That same day I texted (*****) to inform them I wasnt able to get into the app. I was then called & told to wait 24 - 48 hours because my loan was just processed. I waited until February 14th (the day of my first loan ************ texted the same number saying I couldnt get in the app. Someone texted & said they reached out to the tech ********** was the first time I had to used the web to make a payment. March came I was told the same thing. Here come April 13th & Im texting the same number again asking about the app. Still nothing & by then ive been trying to change my payment date but I couldnt because I couldnt get into the app. I called for the first time since february, April 14th . I did speak to ************** were suppose to get back to me. About 3 weeks went by & I heard nothing. I called again on April 28th & spoke to a young lady name Candy. She couldnt figure out why , & said something about sending me to the tech team . I explained tht this has been an on going issue since January. she said she was gonna call back if the tech team got back to her. She gave me a call back @9:02pm on April 28th & said they were still looking into it & would get back to me or she would . I heard NOTHING ! From May 1st to May 26th , I have called everyday leaving messages & NO ONE HAS GOTTEN BACK TO ME ! May 29th I called 4 times between 2:34pm & 3:38pm no answer . After the 5th call I spoke to someone named *******. She couldnt figure it out & said the same thing ive been hearing for almost 7 months , ima send it to the tech team .

  Business Response

  Date: 07/05/2025

  Dear RImanii,
  
  Thank you for reaching out via the Better Business Bureau. Were pleased to confirm that your complaint has now been fully resolved internally. You are now able to log in to the app and manage your loan as intended. We trust this issue is now resolved and that you feel confident managing your account moving forward.
  
  We understand your frustration regarding the delay in resolving your login issue, and we want to assure you that your concerns were heard. From the moment you first reported the problem in January, our technical team began investigating. We identified that a small number of customers, including yourself, were affected by an error related to how our app's security code messages were being processed by certain mobile carriers. Specifically, our authentication provider was unable to recognize your network code, which prevented the login verification from completing successfully. Although the issue was technical in nature and affected only a small group, we fully recognize that it caused inconvenience and repeated disruptions when you attempted to manage your loan or make changes like updating your payment date. We appreciate that although your loan can be serviced fully online through our website, you were wanting the added convenience of using our app to manage your loan.
  
  While our tech team worked to isolate and implement a fix, our agents should have followed up with you more consistently throughout the process. We apologize for the lack of communication and understand how frustrating it must have been to repeatedly contact us without getting the timely updates you deserved. A fix for the issue was included in our most recent app update, which retries authentication through an alternate provider when the first attempt fails. This solution has now resolved the issue for affected users, including yourself.
  
  We appreciate your persistence in bringing this to our attention and giving us the opportunity to make it right. Your ability to access and manage your account is a critical part of your experience, and were committed to ensuring that this functionality works smoothly moving forward.
  
  Based on the successful resolution and your ability to now access the app, we consider this matter closed. If there is anything further we can do to assist, our team remains available at ****************************************************************.
  
  Sincerely,
  *******
  Complaints Team
  Transform Credit Inc.
  

• Initial Complaint

  Date:06/18/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To whom it May Concern,I am disputing the account reported by ********************** *** on my credit report. This account is inaccurat, unverified, and in violation of the Fair Credit Report Act (FCRA). Under 15 U.S. Code 1681i and 1681s-2, you are required to verify the accuracy of any information reported. Since this account has not been properly validated and does not meet legal reporting standards, i am demanding its complete removal from my credit file immediately.Failure to comply will be considered a continued violation of federal law.

  Business Response

  Date: 07/03/2025

  Dear *******,
  
  Thank you for your message submitted via the Better Business Bureau. Weve reviewed your concern and can confirm that the issue has already been addressed and resolved internally.
  
  Please be assured that Transform Credit follows all applicable credit reporting laws, including the Fair Credit Reporting Act (FCRA). We work closely with credit bureaus to ensure the accuracy and integrity of the information we report.
  
  If theres anything further we can clarify or assist with, please dont hesitate to reach out to us at ********************************* We appreciate the opportunity to support you.
  
  Best regards,
  *******
  Complaints Team
  Transform Credit Inc.
  

• Initial Complaint

  Date:06/13/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am a co-signer to this loan and wishing to pay off loan I spoke with Berginie ****** (********) on 6-12-2025 explaining exactly that, she was to send me paper work (letter of guarantee) the pay off amount so I can close off this loan! She told me she would send that by email after she got off the phone. Here we are today 6-13-2025 Friday 8:36 pm and no email with documents. I have tried calling all day today and sent emails no response. She said I had until next Friday 6-20-2025 to pay off loan, yet no documents? I need that letter of guarantee. Please help me with this case. I am reaching out to them wanting to make this right, but when I called them (***) they would not give me a chance to communicate that instead they would threatened me. Do they want their money?

  Business Response

  Date: 06/27/2025

  Dear ******,
  
  Thank you for your complaint submitted through the Better Business Bureau. Were pleased to confirm that we were able to speak with you directly and that your loan has since been settled in full and your complaint resolved. However, I am following up in writing to ensure the situation is fully clarified for your records.
  
  We understand your concern was regarding the timing and delivery of your settlement documents. As you noted, you spoke with one of our representatives, Berginie, on June 12, 2025, and requested a payoff letter so you could proceed with closing out the loan. Immediately following your conversation, the requested letter was attached to an email and sent to the address that we had on file and you confirmed as correct at 3:59 PM CST that same day, and it was confirmed as delivered.
  
  Our phone records show that we received one missed call from you on June 13 at 7:33:09 PM CST but no other incoming messages. The following morning, we attempted to return your call but were unable to reach you. After not being able to connect by phone, we followed up with a text message to let you know we were sorry that we missed your call.
  
  When we received your BBB complaint, Berginie reached out to you again on June 17, 2025, to address the issue and ensure you received the documentation. She re-sent the settlement letter to the same email address during your call, and you confirmed receipt and were able to proceed with the payment that day. Your account has since been paid in full, and your obligations with us have concluded. Once the payment successfully cleared, we also emailed you a confirmation of the loan settlement on June 24th.
  
  We believe we acted in accordance with your instructions and provided the necessary documents in a timely manner. Nonetheless, we are glad we were able to connect again and provide further assistance. As your loan is now settled in full and your concerns have been addressed, we consider this matter resolved.
  
  If there is anything further we can do to support you, please dont hesitate to get in touch.
  
  Sincerely,
  *******
  Complaints Team
  Transform Credit Inc.