Consumer complaint received 2022-06-04
Company: Deinde Online Services, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Was not provided the contract which i can prove. However my name appears on this contract with IP address which i did not put there and can also prove. The IP address was scoured from where i applied for the loan online on their site. 
I was misled on the frequency of the loan payments. 
I have been contacted about late payments and spoke to collectors in which each communication did not include the mini miranda required by law and the FDCPA. Some did some did not. 
I tried to work this out i was told they werent considered a pay day loan service exactly. From what Indiana law states then they have way overcharged for interest for this loan which is well over 150 %. If they are not a pay day loan service then they are capped on what interest is allowed. That cap also comes with a felony charge of anything of over a certain percentage which they have grossly went over. 
I gave in writing and 4 days in advance of the payment being due a notice to terminate any ACH payments auto withdrawn from the bank. They returned a confirmation they had received this and took care of it. The very next day the account was debited with a pre payment which stayed on the account the entire week which usually turns into the amount the have actually charged. A day after the due date that pre note fell off the account. I did not know if this would be for the payment or the loan amount in full so i waited to see causing me to miss the payment. This seemed unethical to me and may have broken laws as they had not ever auto debited the account that early before but the day after i send a request to cancel all ach and get a confirmation that they had they then initiated an ach payment the next morning. 3 days in advance of the due date. Not something they had done previously. 
I received an email to reach out and work out the differences. I called them and while on the call I explained my issues. My biggest issue was i was misled on the frequency of payment. That i had not been given this contract. They had in one email not long after the loan had to describe to me how to go on their site and find the contract. That is how I found my signature Typed at the bottom with a IP address i assume is mine from when i applied for the loan. I had not done this. I was told that it auto populates that when you click boxes. Boxes that would say you agreed to this or that. I have proof i did not click anything or ever see this document. I know that many people may say that and as crazy as this sounds I really did not sign this or click any boxes and i can prove that. The lady on the phone stated well someone did it may have not been you but someone did. That someone was not me nor anyone i know whatsoever because this was never done unless they done it. This i can actually prove. After speaking with the company for 45 minutes on the phone in an attempt for them to work this out and collect payment i had still not been read the mini miranda telling me i was talking to someone acting as a debt collector per the law. I brought this up. I had once had another few calls with them where they had failed to do this also. I have several emails which also forgo this. I made them aware of this. 
I tried to call the company and pay in lump payments and at one point in fill to avoid the interest and be done with it. Several times i was told the representatives that initially answered couldnt take my payment i had to be transferred to a collector or escalations. I tested that theiry and waited a bit and called back and the same customer service representative when they didnt know my name were able to receive payments. They just refused to take mine and wanted me to be forwarded to a different dept which was extremely uncomfortable for me as i just wanted to pay this thing off fast and get out of it and then seek legal action for what they have done. 
Eventually i got to talk to a collector who didnt read a mini miranda. She had actually agreed the debt wasnt valid due to the not signing of the contract. I recorded my calls and have this on recording. At that point i let it be. Then they wanted to negotiate. I tried for 45 minutes i was extremely nice. I made sure to be very cordial to them. I never raised my voice. I even offered to oay them and accepted the same interest and everything but not the frequency of payments which was every other week. I was led to believe it was monthly and wasnt corrected on that. This wasnt acceptable to them. The lady hung up on me as i was talking with her. I hadnt ever had someone hang up on me when i had been this nice ever before. I have this recording as well. This is the call she told me they werent a pay day loan service. She also didnt read me the mini miranda. I later looked back at the contract i had printed off after they told me how to do so via email. I found proof that i did not check boxes. I did not type my name or see this contract at any point. I do have that proof. 
Everything i have said here is true and can be proven without any doubt. I didnt think id actually be able to prove it for sure but i have found proof. Absolute Proof. I ket them know this and the laws which where broken and screen shots of those Indiana laws per email. This was the last attempt to still rectify this situation. They asked me to call them. I dont really want to at this point. They can email me in writing. They hung up on me when i was being extremely nice. Never even called back or said why. I couldnt believe it as to how nice i was being and she actually hung up. Again i can prove this. 
These are the issues i have experienced but from reviewing their XXXX  file and other reviews this seems to be a common practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation