Consumer complaint received 2019-01-04
Company: LDF Holdings, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent Bridge Lending an e mail which I have included and they continued to try and collect on a loan that is not legal in the State Of Alabama which is in the email. After communication with the Alabama state attorneys office I sent the email telling Bridge Lending this and I paid more then the principal of the loan. Today they sent an email that they have turned it over to collections and ignoring the fact that this loan is not legal in my state, Below is my original e mail as well as the email they sent me today.

Re : Courtesy Reminder from Bridge Lending Sun, XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) To : you ( XXXX ) + 1 more Details Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Alabama in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of {$250.00} on XX/XX/XXXX and have paid {$31000.00} back.. This results in an over payment of {$62.00} At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the {$62.00} over payment. A refund check of {$62.00} should be mailed to me at the address you have on file. 

I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. 
Please respond to this email with acknowledgment that my account has been satisfied in full. Details of when I can expect the refund check, as discussed above, should also be included in the email.Also do not call my place of employment as my employer forbids these calls.Any communication in this matter you can send thru my email, XXXX XXXX XX/XX/XXXX -- -- -Original Message -- -- - From : Bridge Lending Support Team XXXX To : XXXX XXXX XXXX Sent : Fri, XXXX XX/XX/XXXX XXXX Subject : Courtesy Reminder from Bridge Lending Your Account Has Been Transferred Thu, XXXX XX/XX/XXXX XXXX Bridge Lending Support Team ( XXXX ) To : you Details Your Account Has Been Transferred Date : XX/XX/XXXX Re : Loan ID XXXX Dear XXXX XXXX, This email is notification that your account has been sent to an outside agency for purposes of collecting your outstanding balance. We have transferred your account for one of the following reasons : Your account has been in Collections status for 35 days without any payments made. 
Your account has been in Collections status for at least 35 days, and you agreed to make payments on a specific schedule in order to pay off your balance, but did not make your last payment or make new payment arrangements. 
We are no longer able to accept payments on this account. You will be contacted by XXXX XXXX XXXX ( XXXX  ), who is responsible for collecting your outstanding balance. If you wish to contact XXXX directly, their contact info is : XXXX XXXX XXXX ( XXXX ) XXXX Sincerely, BridgeLendingSolutions XXXX Phone XXXXFax https : //bridgelendingsolutions.com XXXX XXXX XXXX, XXXX XXXX XXXX , WI XXXX Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, retransmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.

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Company response to consumer: Closed with explanation