Consumer complaint received 2021-06-23
Company: WLCC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX I took out a loan from Arrowhead Advance via arrowheadadvance.com. The interest rate was way beyond legally allowable rates ( 621.16 % ) and violated Ohio usury laws. On XX/XX/XXXX the following email was sent to customersupport@arrowheadadvance.com : Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Ohio 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 {$100.00} on XX/XX/XXXX, and have had 3 bi-weekly withdrawals of {$27.00} debited from my account. This is a total of {$82.00}. I am willing to pay the remaining balance of {$17.00} via money order if you provide an address to mail the payment to. 

I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. Any future attempts to collect funds in this manner will be blocked. 
Please respond to this email with acknowledgment that my request has been received and my settlement has been accepted. 

Thank you, XXXX XXXX I received a phone call on XX/XX/XXXX I received a call from a collector with Arrowhead Advance via XXXX and I made a repeated effort to settle the account. The representative became combative and I had to disconnect the call. I then sent the following email off to support@arrowheadadvance.com : Dear Lender, I just got off the phone with a representative with your company. I wish to NOT be contacted via phone any further. As I stated in my previous email : " It has come to my attention that payday lenders must be licensed by the state of Ohio 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 {$100.00} on XX/XX/XXXX, and have had 3 bi-weekly withdrawals of {$27.00} debited from my account. This is a total of {$82.00}. I am willing to pay the remaining balance of {$17.00} via money order if you provide an address to mail the payment to. '' Please provide me with a valid mailing address to send a payment via money order to settle this account. 

Thank you for your time and consideration. 

On XX/XX/XXXX the following letter was mailed to Arrowhead Advance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX Arrowhead Advance XXXX XXXX XXXX XXXX XXXX South Dakota XXXX Re : Account XXXX Dear Arrowhead Advance : I am writing to request that you stop calling me. 
Federal law requires you to cease all communication with me after being notified in writing that I no longer iwsh to communicate with you ( Fair Debt Collection Practices ACT [ FDCPA ] Section 805 : CEASING COMMUNICATION ). I demand that you stop calling me at my home, at work, on my cell phone and at any other location. 
Now that you have received this stop calling letter, the law only allows you to contact me in writing to inform me that you : Are terminating further collection efforts ; Are invoking specified remedies which are ordinarily invoked by you or your company ; or Intend to invoke a specified remedy. 
Any other future contact by you or your company violates the FDCPA. 
Since you already have my location information, calls made by you or your company to any 3rd party concerning me violates section 805 ( b ) 2 of the FDCPA. 
Be advised that I am keeping accurate records of all correspondence from you and your company, including tape recording al phone calls. If you continue calling me, I will pursue all available legal actions to stop you from harassing me and my family. 

Sincerely, XXXX XXXX On XX/XX/XXXX I received another phone call to both my cell phone and my place of business from XXXX. The person on the phone attempted to collect on the Arrowhead Advance account. I informed her that I had sent a cease and desist letter XX/XX/XXXX and to not contact me by phone at all. I informed her she was in violation of the FDCPA and would report them to appropriate agencies.

Company response to consumer: Closed with explanation