Consumer complaint received 2020-01-10
Company: WLCC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I decided that I did not want to make automatic payments. My payment is not due unit XX/XX/XXXX and today is XX/XX/XXXX. I called three times and emailed three times to cancel my ACH authorization. The company is refusing to cancel my automatic payments and has been transferring me to different people who keep argueing with me and placing me on hold. I informed them that I know my rights and I have a right to cancel my automatic payments and revoke my ACH. They have still not acknowledged cancellation and as I write this I am still on hold an have been on this call for over an hour. A transcript of the email conversation is below, I can send an electronic file upon request : Skip to content Using XXXX with screen readers Warning : XXXX prevented a suspicious attempt to sign in to your account using your password.Review activity now Search Compose Labels Inbox XXXX Snoozed Important Sent Drafts XXXX Categories Adult friend finder Junk XXXX Personal Travel Less Starred Chats Scheduled All Mail Spam XXXX Trash Receipts Work Manage labels Create new label Hangouts More ArrowheadAdvance.com : Welcome XXXX XXXX XXXX Arrowhead Advance <XXXX> XX/XX/XXXX, XXXX XXXX  ( 3 days ago ) to me Dear XXXX : Your loan has been processed. 
Your confirmation number is : XXXX. 
Depending on your bank, funds should be available on Thu XX/XX/XXXX. The due date for your first payment is Fri XX/XX/XXXX. 
You can view your account information, loan balances and payment options by visiting www.ArrowheadAdvance.com and logging in by clicking on " SIGN IN ''. 
Thank you for choosing Arrowhead Advance. We appreciate your business. 
The Arrowhead Advance Team XXXX XXXX XXXX FAX http : //www.ArrowheadAdvance.com CALL OUR TOLL FREE NUMBERS above or login in to our website to check your balance. 
Our business hours of operation are currently : Monday through Thursday XXXX XXXX  until XXXX XXXX  Eastern Friday XXXX XXXX  until XXXX XXXX  Eastern Saturday and Sunday XXXX XXXX  until XXXX XXXX Eastern This email was sent by : Arrowhead Advance PO Box XXXX XXXX XXXX, South Dakota, XXXX Update Your Profile : http : //click.email.arrowheadadvance.com/profile_center.aspx? XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  ( 1 day ago ) To Whom it may concern, I XXXX XXXX XXXX, social security # XXXX, am REVOKING THE ACH PRIVILEGES OF the company Arrowhead Advance. Arrowhead XXXX XXXX <XXXX> XXXX XXXX ( 7 hours ago ) to Arrowheadadvance.com, bcc : me Again. This is my third written notice to your company to stop ACH payments. My payment is due on XX/XX/XXXX and todays date is XX/XX/XXXX. I am required to give you 3 days notice as you said on the phone. I have done that with the below prior statements and verbally via telephone call today. A know my rights, if you need more information on this please see this link https : //www.consumerfinance.gov/ask-cfpb/how-can-i-stop-a-payday-lender-from-electronically-taking-money-out-of-my-bank-or-credit-union-account-en-1605/ I am not refusing to pay, I am simply revoking automatic payment. Any attempt to debit my account will result in a report to to the Federal Consumer Protection agency. Please confirm that you have received this email, and that you understand that you have no legal right to charge my bank account. 

Sent from my XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX <XXXX> wrote : To Whom it may concern, I XXXX XXXX XXXX , social security # XXXX, am REVOKING THE ACH PRIVILEGES OF the company Arrowhead Advance . Arrowhead Advance as well as any other businesses, persons, or entities, DO NOT HAVE PERMISSION to debit or charge any of my bank accounts or to write checks on my behalf, electronic or otherwise. Please regard this email as an official and legally binding record of my withdrawal from automatic payments and electronic check payments of any kind. 

Sent from my XXXX On XX/XX/XXXX, at XXXX XXXX, Arrowhead Advance <XXXX> wrote : Dear XXXX : Your loan has been processed. 
Your confirmation number is : XXXX. 
Depending on your bank, funds should be available on Thu XX/XX/XXXX. The due date for your first payment is Fri XX/XX/XXXX. 
You can view your account information, loan balances and payment options by visiting www.ArrowheadAdvance.com and logging in by clicking on " SIGN IN ''. 
Thank you for choosing Arrowhead Advance. We appreciate your business. 
The Arrowhead Advance Team XXXX XXXX XXXX FAX http : //www.ArrowheadAdvance.com CALL OUR TOLL FREE NUMBERS above or login in to our website to check your balance. 
Our business hours of operation are currently : Monday through Thursday XXXX XXXX  until XXXX XXXX  Eastern Friday XXXX XXXX  until XXXX XXXX  Eastern Saturday and Sunday XXXX XXXX  until XXXX XXXX  Eastern This email was sent by : Arrowhead Advance PO Box XXXX XXXX XXXX, South Dakota, XXXX Update Your Profile : http : //click.email.arrowheadadvance.com/profile_center.aspx?  XXXX Reply Forward Page 1 of 5

Company response to consumer: Closed with explanation