Consumer complaint received 2026-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Transform Credit Inc.
State: CA

Complaint narrative:
Today XX/XX/XXXX I called to discuss a financial hardship and discuss a possible resolution. I was hoping to get assistance with a deferment of some sort, being that my payments have NEVER been past due since I received the loan in XX/XX/XXXX. I became unemployed on XX/XX/XXXX, and I have paid off over 80 % of the loan. Infact, the amount. Already lent to me has technically been repaid. Amount was $ XXXX and the amount in total to be repaid will be {$11000.00} which according the contract is a 35.99 % yearly rate.... anywho, as of today the amount owed is {$2100.00}. I believe, first off that the amount financed is higher than that 35.99 %, But i digress. That is the LEAST of my complaints against this company..... I want to mention that I DO have a Co signer which is my mother XXXX XXXXXXXX XXXX XXXXXXXX. Since the BEGINNING of the loan, it was agreed and understood that although she is obviously my co signer and legally bound the contract, it is I who has made the payments since I was fully employed ( as of XX/XX/XXXX ). On several occasions, Together Loans formerly knows as " Transform Credit '' has used overly deceptive collection practices to collect payment, I want to reiterate that prior to today, although not YET 30 days past due, the text messages and emails are menacing. On SEVERAL occasions, I spoke to a representaive, even management and explained that my mother has Health Problems, specifically Of the XXXX and told them I would feel more comfortable if the emails and texts didn't go to her UNLESS severely past due, which AGAIN has never happened. I ALSO let them know that the bank account which they would sometimes collect from, which was NOT mine belonged to my mother and other sister who is NOT on this loan. It got to the point, that they would just withdraw from that account EVEB WHEN I made arrangements to pay or promises to pay on account BEFORE account even hitting close to 30 days ( almost I believe it would be around 15 days, as I got paid semi monthly ) they would not even wait until 'XXXX ' was broken to collect, but I digress, I would just end up paying my sister back monthly. They also advised my mother on occasions, that they would have a lien placed on her property AFTER I asked them not to say those kinds of things due to her condition, she was under the impression this was going to happen all the time, and I have texts and emails to prove which I had provided in the past for this company formerly known as Transform Credit. I want to make it clear this is an UNSECURED loan, therefore mentioning litigation or liens is highly unethical!!!! My complaint can go on and on because I have a long paper trail.... but today, specifically my complaint is because I asked for help since facing a financial hardship since I am unemployed and was denied. I advised the customer service representative, also that I was recording the call today XX/XX/XXXX for my own personal records, as it is my right as a California resident, as long as I informed them, and the representative hung up on me, due to this. Did not Offer a resolution at ALL, and I need to file a formal complaint. I will go to the Attorney General l, if needed to investigate. This is my FORMAL complaint against Together Loans formerly knows as Transform Credit. I hope this matter is taken seriously and resolved in a manner that is bother beneficial to the business, but most IMPORTANTLY the CONSUMER!!!!

Company response to consumer: Closed with explanation