Consumer complaint received 2017-11-30
Company: Mobiloans, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
In XXXX of this year it came to my attention that a checking account I used for savings had XXXX taken from it. Upon further investigation the money was withdrawn by mobiloans in Louisiana, they are a tribal lender, which I had never heard of before. I immediately contacted the company and had them stop the automatic withdrawals that were on my account. The amount of the withdrawals ranged from XXXX to XXXX on the XXXX and XXXX every month. The amount was different each time. I requested at that time to speak with someone regarding the issue and how this happened. I was originally advised that I could email their fraud department but there was no phone number I could have to speak with anyone and that they would contact me. I never received a call from the fraud department but they continued to call daily to collect more money from me. I sent multiple emails to them starting on XXXX/XXXX/XXXX. I would get a generic email from them that said the same thing every time that I needed a police report. I currently am not living in the same state that the loan originated from and the local law enforcement in this state advised that they could not do report and was a waste of their time. I sent multiple emails to mobiloans advising of this and I would get the same response of either my email was being forwarded to a different department or to send in a police report. I continued sending emails to them on XXXX and XXXX/XXXX/XXXX. During this time I found out who the person was that used my account information. Because of personal reasons and this person being under the age of XXXX I am not pressing charges. I sent them multiple emails advising them of this information. The emails were never responded to until I filed a complaint with the BBB on XXXX/XXXX/XXXX and amazingly I got a response the same day which finally said we can better resolve this matter by phone with a phone number finally. Followed by another email like before stating the same thing regarding the police report. I did not call them right away due to the holiday and visiting with family. I contacted them today explained the circumstances and that I wanted to get this resolved and move on. I spoke with representative and stated that I would like all my money returned to me, however I was willing to take responsibility for part of the situation and requested that only the outrageous interest and fees for this loan be returned to me and that the account be taken out of collections and removed from my credit report. I was put on a long hold for the representative to return to say there was nothing they could do. I could dispute the charges and file a police report which I already told them the reasons I did not want to file a report. Then In the very next sentence they asked if I wanted to take care of the XXXX dollars still owed on the account!! After they have already taken XXXX from me. They were not willing to work with me at all or come to any agreement. The loan was done all online. I am in Ohio where I am not even sure this type of loan and outrageous charges is allowed. I do n't think it 's to much to ask to refund me the interest and fees. This has put a huge financial hardship on my family and children, especially with the holidays so close, and has been a nightmare and they are in no way willing to work with me.

Company response to consumer: Untimely response