Product: Payday loan, title loan, or personal loan

I took out a loan from LoanMe in XXXX. This I should have not taken and the problems with this company has been non stop for 2 years. The loan was for XXXX As of to date I have paid them XXXX Yet they still tell me I owe them XXXX. They never would send statements until all of a sudden in XXXX they sold the loan and then started sending statements which also state this was a 0 % interest rate. They switched websites and deleted all past payment history. For months I requested payment history and disputed every time. Again they ignore. Included in documents you will see every single email they just stop responding on. I requested all correspondence to be done in writing due to all of the harassment and lies they would spew on the phone. Not once taking blame. This type of loan which was at 138 % APR has been illegal in CA since XXXX. I have paid this and then some. I have no issues with any of my other bills or debts. I refuse to pay on an illegal loan they then tried to modified to make legal in CA and still can not get this straight. They ignore all emails. They refuse to have any documentation or correspondence in writing because they know this loan is illegal and still expect me to pay and ignore my disputes. While ignoring my requests they then illegally report the loan as 120 days on my credit report instead of responding to me. This company is corrupt, predatory and illegally doing financial business in CA and trying to collect more than the legal amount in CA. I also had XXXX contact me in XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX to LM.Correspondence I JUST saw this today On Mon, XX/XX/XXXX, XXXX XXXX XXXX wrote : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : Loan No. : XXXX Total Amount Due : {$2200.00} Re : XXXX XXXX and SAVE up to {$1500.00} Dear XXXX XXXX : Were offering you this one-time opportunity to settle your unpaid balance and save up to approximately {$1500.00} on your LoanMe loan. Currently, you have 27 monthly payments of {$110.00} remaining on your loan, which adds up to {$3000.00}. We are proposing the following options to settle your loan today : One lump sum of {$1500.00}, due and payable on or before XX/XX/XXXX. This is a 25 % reduction of your current principal balance and would result in a savings of approximately {$1500.00}. 

Or : Personalized Loan Mod : With little to nothing down, we'll XXXX  out your past due amount, adjust your rate, and drastically LOWER your monthly payment. 

Plus, when you honor either of these options, we will notify credit reporting agencies that your account has been paid as agreed. 

You must call our office on or before XX/XX/XXXX to accept this one time deal or this offer will become null and void. There are also several other available options that may fit your current situation. Well listen to your concerns and work with you in every way that we can. All you need to do is contact us at XXXX ext. XXXX. 


Sincerely, XXXX XXXX LoanMe , Inc . 
XXXX ext. XXXX NOTE : If you fail to make each monthly payment on time, the terms of the settlement will be null and void and you will be responsible for the full amount owed. 


This communication is an attempt to collect a debt and any information obtained will be used for that purpose. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.