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Business Profile

Consumer Finance Companies

Transform Credit Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Consumer Finance Companies.

This business has 2 alerts

Complaints

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

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Transform Credit Inc. has 3 locations, listed below.

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    Customer Complaints Summary

    • 420 total complaints in the last 3 years.
    • 182 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:04/22/2025

      Type:Service or Repair Issues
      Status:
      Resolved
      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 notification that a credit builder account was added to my credit report in the amount of $3100 and they are taking $5 a month from me at *****% interest which is predatory behavior. If I agreed to this, it was unknown to me, When I called them to get it resolved, it was a bot phone number. You cannot actually talk to anyone. When I left a voicemail, seconds after hanging up the phone I received a text that my account was cancelled. It is just very odd that they would do business in this way. It is very sneaky and dishonest. I disputed it with my credit and I want nothing to do with Transform Credit. They need to stop sending me links and unsubscribe me from everything. If they have taken money from me, I want it back. They claim they have taken $5 a month since January.

      Customer Answer

      Date: 04/24/2025


      Better Business Bureau:

      The Business has addressed my concerns outside of addressing the BBB in reference to complaint ID ********. My issue is resolved and my complaint can be closed. 

      Sincerely,

      ********* *******

    • Initial Complaint

      Date:04/17/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      Looked into the company to get a loan. They would not approve me. Checking my bank account and they charged my account $5 that I did not approve. My bank is wanting me to pay to get these stopped. Reading other reviews this is a scam.

      Business Response

      Date: 04/30/2025

      Dear ******,

      Thank you for your message submitted via the BBB. Weve reviewed your concern and can confirm that it has already been resolved internally. Based on the actions taken, we now consider this matter closed.

      We would like to take this opportunity to emphasize that we are always here to help, and many concerns, such as the one you experienced, can often be resolved quickly and easily by reaching out to us directly. Our team is available via email at ********************************* and we are committed to responding promptly to provide clear answers or support as needed.

      For context, please be assured that Transform Credit is a state-licensed lender and operates in full compliance with both state-specific regulations and applicable federal lending laws. Our company is subject to routine audits by external entities and upholds all required regulatory standards related to our lending products.

      If theres anything further we can clarify or assist with, please dont hesitate to contact us directly. Were always happy to help and appreciate the opportunity to support our customers.

      Best regards,
      *******
      Complaints Team
      Transform Credit Inc.

    • Initial Complaint

      Date:04/12/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      This company charged my bank account $5.00 stating that was that agreed to monthly payment for my loan. I never received a loan from this company. I've never even heard of this company.

      Business Response

      Date: 04/25/2025

      Dear *****,

      Thank you for reaching out via the BBB. We can see that you also contacted us directly, and we believe that this complaint is resolved. 

      If there is anything more we can do to assist or clarify, please don't hesitate to reach back out at ******************************** for further support.

      Best regards,
      *******
      Complaints Team
      Transform Credit

    • Initial Complaint

      Date:04/11/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      Never heard of this company, never signed up for anything from them. They are charging me $5 a month for no reason. I had to look them up from seeing their name on my bank statement, their website says if you want to stop the $5 charge you need to set up an account. Why would I want to set up an account when they are already fraudulently charging me? There is no way this is legal, they need to stop.

      Business Response

      Date: 04/25/2025

      Dear *****,

      Thank you for reaching out via the BBB.

      We made several attempts to contact you and provided alternative options to help identify and stop the charge without requiring sensitive information. To date, we have not received a response or additional details from you to proceed further.

      Without the necessary information to locate a matching account, we are unable to take further action on our end. However, weve outlined steps you can take through your financial institution to resolve this if you believe the charge was unauthorized.

      At this time, we believe the matter is resolved, but we remain available should you wish to provide more information or need further assistance.

      Kind regards,
      *******
      Complaints Team
      Transform Credit Inc.

    • Initial Complaint

      Date:04/07/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      Can't get anyone on the phone to update my information so I can get on the app and pay the bill. My co singer is also having a problem. We have tried ********************0,sms text *********** ******************************* and all the times they are just trying to say we have a application in progress. We cannot talk to a human on the phone all we're trying to do is update our telephone number and email

      Business Response

      Date: 04/21/2025

      Dear ******,

      Thank you for reaching out through the Better Business Bureau and for sharing your experience. We understand that you and your cosigner were trying to update your contact information in order to access your account and make a payment, but were unable to get through to a representative or have the update processed. Were sorry for the frustration this caused and appreciate the opportunity to resolve it.

      You initially reached out to us on April 7, and we responded by asking you to confirm the information you wanted to update. Your cosigner had also contacted us earlier on February 8 to request an update to their phone number. Unfortunately, that update was not completed as requested at the time. We apologize for this oversight and have shared this internally as an opportunity for improvement in how we manage support requests.

      Were pleased to confirm that both your and your cosigners contact details have now been fully updated in our system as requested. If you experience any further issues accessing your account or need additional support, we recommend reaching out directly to ************************************** for assistance. Please note that ******************************** is monitored by our application support team, which may not have access to live loan updates.

      We appreciate your patience and can now confirm this matter has been resolved. If you need anything else, were here to help.

      Best regards,
      *******
      Complaints Team
      Transform Credit Inc.

    • Initial Complaint

      Date:04/05/2025

      Type:Product Issues
      Status:
      Resolved
      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.
      Received an email stating I needed to pay $5 towards a loan that I supposedly signed up for totaling 5k that I'd not receive. Makes no sense to me. The representative emailing me is adamant and aggressive as if I'm in some sort of debt. I run a multi million ************************ and would not be interested in anything remotely similar to this. I insist that whatever information they have regarding my profile and or file, be purged. I've not signed or agreed to any level.of business with this company.

      Business Response

      Date: 04/15/2025

      Dear Dr. ******************** you for reaching out to us through the Better Business Bureau. We understand the concerns you raised, and were pleased to note that we were able to work with you to resolve your complaint.

      If you have any further questions or need additional assistance, please dont hesitate to get in touch with us at **********************************************************.

      Best regards,
      *******
      Complaints Team
      Transform Credit

      Customer Answer

      Date: 04/16/2025

       
      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.

      Sincerely,

      Dr Sheryene ******

    • Initial Complaint

      Date:04/01/2025

      Type:Customer Service Issues
      Status:
      Answered
      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.
      This company is charging me a monthly fee and will NOT allow me to cancel. They don't pickup the phone or respond to emails and have no way of cancelling on their website. My bank will charge me more for the stop payment than what this 'company' is charging.

      Business Response

      Date: 04/15/2025

      Dear ******,

      Thank you for reaching out. Were sorry to hear that you felt unable to cancel your CreditBuilder account and understand how frustrating that must have been.

      While we strive to make our cancellation process as clear and accessible as possible, we sincerely apologize if this was not your experience. We want to assure you that once we received your cancellation request via email on April 1, 2025, at 9:43 AM CST, we responded and confirmed the cancellation promptly at 9:58 AM CST the same day.

      No further charges will be applied, and your account is now closed. Given this resolution, we consider the matter resolved. If you need any additional support, please dont hesitate to reach out.

      Best regards,
      *******
      Complaints Team
      Transform Credit Inc.

    • Initial Complaint

      Date:03/29/2025

      Type:Billing Issues
      Status:
      Answered
      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 kindly request the removal of this account from my ********************** report, as I have no affiliation with this company and it should not be listed under my account.

      Business Response

      Date: 04/13/2025

      Dear ********,

      Thank you for reaching out via the BBB. I can see that your complaint was resolved internally and we believe this to now be closed. 

      Please rest assured that we abide by the guidelines set forth in the Fair Credit Reporting Act (FCRA), and provide accurate information about our customers' ********************** behavior to consumer reporting agencies. This includes loan repayments, defaults, and other relevant financial behaviors. 

      If there is anything more we can do to assist or clarify, please don't hesitate to reach back out at ******************************** for further support.

      Best regards,
      *******
      Complaints Team
      Transform Credit

    • Initial Complaint

      Date:03/28/2025

      Type:Product Issues
      Status:
      Answered
      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.
      Sent an email about making a payment as i never heard of doing any business with this company. I took some time and looked into the account and i have never signed up for anything, it stated 2/27/25 and i have already been a victim of fraud and this continues to prove it. I would like this company to remove this account and any negative hit against me and my credit immediately.

      Business Response

      Date: 04/12/2025

      Dear Queen,

      Thank you for bringing this matter to our attention. After a thorough review, we can confirm that a loan application and CreditBuilder account were created using your information on February 27, 2025. However, no loan was issued, no payments were made, and no information was reported to your credit file.

      Both the application and CreditBuilder account have since been canceled and flagged as fraudulent to prevent any further activity. We also attempted to contact you by phone but were unable to connect.

      As there was no impact to your credit and the accounts have been closed, we consider this matter resolved. Please reach out if you need any further assistance.

      Best regards,
      *******
      Complaints Team
      Transform Credit Inc.

    • Initial Complaint

      Date:03/26/2025

      Type:Billing Issues
      Status:
      Answered
      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 disputing an invalid account reported by ********************** *** on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper validation, it must be deleted per federal law.

      Business Response

      Date: 04/04/2025

      Dear *****,

      Thank you for reaching out via the BBB. I can see that your complaint was resolved internally and we believe this to now be closed. 

      Please rest assured that we abide by the guidelines set forth in the Fair Credit Reporting Act (FCRA), and provide accurate information about our customers' ********************** behavior to consumer reporting agencies. This includes loan repayments, defaults, and other relevant financial behaviors. 

      If there is anything more we can do to assist or clarify, please don't hesitate to reach back out at ******************************** for further support.

      Best regards,
      *******
      Complaints Team
      Transform Credit

    Transform Credit Inc. is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

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