Consumer complaint received 2023-09-01
Company: EIC Enterprises
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I first applied for. Financing for new tire replacement with an unknown financial company while I was at XXXX XXXX XXXX in XXXX XXXX Arizona after an evaluation of my tires needing to be replaced the employee referred me and handed me the application I filled out and he typed in the information using the XXXX XXXX  computer in which I was denied right away after leaving the XXXX XXXX it's worth noting I did not think about it then but it was near closing time around XXXX XXXX I drove about 2 miles and a add unlike Any I've ever seen on my phone it was a promotional add from XXXX XXXX  that said exactly what I needed and eligibily requirements fit me it was for {$3000.00} the amount range of the tire replacement quote I pulled my car off the side of the road and applied. In 3 minutes. And was approved for a much lesser amount {$500.00} yes it was called an installment loan the only available option to repay the loan was by auto payments to be withdrawn by the company I opted into auto pay and electronically signed a contract what was strange was the amount of payback was close to {$3000.00} and the financial institute went from XXXX XXXX XXXX  to first loan and I have applied with XXXXXXXX XXXX XXXX in the past prior months at a time I was denied the loan because I was not receiving direct deposits at the time and another time prior to that I was denied on account of my mobile service account was that of a textnow a free texting app I used in XXXX XXXX  Oops the XXXX XXXX XXXX claims agent employee who is a female who has the legal authority to access customers accounts when verifying identity of a caller for specific account owners personal contact information. And transaction history in which dirty employees use in XXXX scams just as the claims agent and first loan used to get credit from XXXX XXXX XXXXXXXX and later claiming the credit amount balance was that of a partial loan to be used for account verification demanding I send it back to them by XXXX  similar to information during accounts team scam similarity to XXXXXXXX XXXX XXXX agent and a XXXX XXXX XXXXXXXX representative in a three way call with me during account verification when the employee used my transaction history to answer questions from the lender. The history can only be accessed by a claims agent bam I just provided you your best lead to the XXXX scammers and more closer I'll giver you the claims agents id number I retrieved after my account was over taken by a multitude of 6 unauthorized high dollar charge claims in XXXX call pulled off by an unauthorized user alledgily by the bank a so called caller claiming to be me yeah sure the person called most likely another XXXX XXXX XXXXXXXX employee one male one female both voices have been recondnized by me to be the same voice of the same person on three different scammer events and the female on two scam events one when she used her employee provided authority and office to scam me while in a three way call with XXXX  who asked 25 questions pertaining to my past transactions and she provided the answers and after I discovered withdraws of payments that happened after charge claims and credit by bank were from two different numbers ach payments with phone numbers I called the number not provided on the website even though the same man answered who answers the other number I asked for the payment and billing saying that I wanted to pay by phone due to account issues and he transferred me to the woman it could be the same person but garuenteed he and or her work at XXXX XXXX XXXXXXXX after my account was closed more unauthorized claims were made for up to 3 months after and when the bank credited the account that first loan withdrew money sometimes double payments I have contacted you lots of times but my complaints were directed towards the bank because they closed my account after monitoring activies by the scammers. And failed to stop the scammers by freezing the account when questioned about there reason for monitoring rather than taking action it was stated by fraud team management to see where the money will go after finally figuring out what happen I reported fraud identity theft and unauthorized user and the XXXX scam. They showed no acknowledgment of my reports they had already without my ever knowing what was going on 8 days prior to me finding out took action against me closed my account took my direct deposited employment pay check and reported me to the credit buros and XXXX XXXX  I complained and went into litigation during a time when I took to illness and could not communicate at this time I need to get my money back and should be able to find a way through the governmental departments for resolution and needed relief that comes from a lawsuit. This is unresolved but closed by any department that matters at this time I have found information you must act on it has taken me 3 years to put all the information together to a point I understand what is going on and who is liable for the identity theft and fraud overtake my complaint includes other information but is directed towards first loan the lender deposited. A {$500.00} into my checking account on XXXX  and on XXXX  6 claims totaling almost {$3000.00} that targeted a title loan company by the name of fast title loan who filed a lawsuit after the bank reversed the credit back to the title loan company they already recieved there money back and still filed a lawsuit in a court who does not hear lawsuits and where I hold a case out of that is against me and the judge is a residing magistrate whom is under review after 5 complaints were excepted for a by the commission on judicial conduct on XXXX  the scammer contacted me on a secondary number that could have only been obtained from within my bank account al after causing the bank to add credit to the account without my ever knowing what was going on claiming to be from XXXX XXXX XXXXk to tell me I was approved for a {$3.00} loan from an application I previously submitted told me a partial payment has been deposited to my account for verification purposes and after my account is verified the total loan will be deposited he told me to go to XXXX type in {$1000.00} at XXXX and type in a number and told me to send how was I to know. The bank closed my account the bal was from the 6 claims. At that time I new nothing about my check was kept on XXXX XXXX and for three months first loan collected payments from credit added by the bank after continued fraudulent charge claims activity still happening after closure. I was unaware of XXXXXXXX XXXX XXXX XXXX  filed the suit then withdrew it giving a different reason other than resolved ( lack of services ) then immediately after withdrawing it from the XXXX XXXX XXXX where the XXXX shows misconduct and malicious foul treatment and harm towards me on XX/XX/XXXX the same day I made a payment in person and like I was followed not sure but most likely followed f through the rout I take home from XXXXXXXX XXXX through XXXX XXXX XXXX XXXX where I conduct business and then fast loans filed the suit in XXXX XXXX the same day and did not withdraw until the XXXX month of XXXX in which XXXX XXXX had illegally issued a rem/warrant to seize my car and I got arrested the rem/warrant was changed by XXXX but low and behold I was injured by the police XXXX for the rest of my life XXXX and XXXX XXXX both have a branch of fast loans I got my loan in XXXX I live in XXXX the same city where the XXXX XXXX XXXX rep has an office the suit was not filed in XXXX XXXX please track down who is responsible for what has happened to me I have reason to believe the XXXX  has something to do with the fraud on account of a separate fraud and theft of money in which an investigation is under way. It is a separate complaint but no department can except here is the claims agent employed with XXXX XXXX XXXX XXXX XXXXXXXX THE VOICES AND accent are all the same and match the first loan voice and accent of the person who answers the customer service line the scam caller XXXX scammers the XXXX XXXXXXXX XXXX  agent the woman 's answer the other number found on the ACH transaction who thought I wanted to make a payment her voce and slight accent was harsh and matches the voice and accent of the representative in the third-party call with XXXX XXXX get the two or one person they are responsible for the XXXX scams

Company response to consumer: Closed with explanation