Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc.
State: FL

Complaint narrative:
What your FTC complaint should include You want to present a clear timeline showing : 1. You acted in good faith You first enrolled with XXXX XXXX XXXX. When that failed, you enrolled with XXXX XXXX XXXX ( XXXX ), an accredited nonprofit. You provided all documentation. You allowed an ACH withdrawal. You attempted to establish a repayment plan. 2. XXXX XXXX refused to participate They declined the repayment plan. They continued predatory interest at 35.99 %. They contacted you aggressively. They refused reasonable hardship accommodations. 3. You are a vulnerable consumer You are XXXX. You are on a fixed income. You receive Social Security benefits. You have medical limitations. You are not hiding or avoiding repayment you are seeking structured, responsible solutions. 4. Your cosigner is elderly and financially distressed Your mother is elderly. She is financially overextended. She is now considering bankruptcy because of this loan. She is also a vulnerable consumer. 5. You have suffered financial harm XXXX and XXXX XXXX XXXX withdrew funds from your account. You incurred overdraft fees. You experienced delays and mismanagement. You attempted to resolve the debt responsibly and were blocked. 6. You are requesting investigation into Transforms practices Predatory interest rates Refusal to negotiate Harassing or manipulative communication Targeting vulnerable borrowers Cosigner exploitation -- - Here is a clean, powerful draft you can use for the FTC You can copy/paste this into the FTC complaint portal : -- - Subject : Complaint Regarding Predatory Lending and Refusal to Negotiate XXXX XXXX I am filing a complaint regarding XXXX XXXX ( also known as Together Loans ) for predatory lending practices, refusal to negotiate in good faith, and harmful treatment of vulnerable consumers. I am a XXXX borrower on a fixed income receiving Social Security benefits. My cosigner is my elderly mother, who is now financially overextended and preparing to file bankruptcy because she can not afford the payments on this loan. The loan carries an interest rate of 35.99 %, which is predatory and has made repayment impossible despite my efforts to resolve the debt responsibly. I have made multiple attempts to establish a structured repayment plan : 1. I first enrolled with XXXX XXXX XXXX. 2. When that failed, I enrolled with XXXX XXXX XXXX ( XXXX ), an FTCrecognized nonprofit. 3. XXXX submitted a repayment proposal to XXXX XXXX. 4. XXXX XXXX refused to participate. 5. XXXX withdrew an ACH payment from my account, causing financial hardship, yet no progress was made on my behalf. I have documentation showing that I acted in good faith and attempted to repay this debt through accredited thirdparty programs. XXXX XXXX refusal to negotiate, combined with their predatory interest rate and aggressive communication, has caused significant financial and emotional harm. I am requesting that the FTC investigate XXXX XXXX lending and collection practices, particularly their treatment of XXXX and elderly consumers, their refusal to work with accredited debt management programs, and their use of excessively high interest rates. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation