Consumer complaint received 2017-06-21
Company: QuickClick Loans of Illinois, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On Friday, XXXX XXXX, XXXX I submitted my loan application to Brookwood Loans. I was contacted several times that day by XXXX XXXX via telephone and email to submit documents to secure the loan including allowing the company access to my personal checking account by logging into my account through a website provided by the company. My loan was " approved '' and I was told it would be funded today if I completed all steps as advised before the end of the day. I completed the steps within minutes and did not receive any funding. On Monday, XXXX XXXX, XXXX XXXX . XXXX contacted me via telephone stating she did not have my full account number ( but she advised me on Friday XXXX XXXX, XXXX she had all the information she needed re : my account since I logged in to allow her access. ) and was attempting to fund my loan today. She also mentioned it may take up to 28 hours for my loan to be funded. I provided her my checking account number via email. I logged into the Brookwood Loans website and saw my loan had been processed any a payment plan had been set up to begin repaying the loan as of XXXX XXXX, XXXX. On Tuesday, XXXX XXXX, XXXX I did not have any funds and contacted the Brookwood Loans. I was advised the money has been sent to my bank and I need to contact my bank for processing times. I contacted my bank and was advised they did not see any transfers or pending activity on my account. I contacted Brookwood Loans and was advised by XXXX that it could take up to 3-5 business days because the money was sent via a " secure wire transfer '' which takes longer than other wire transfers. I explained this to my father who informed me that this does n't make any sense. I re-contacted Brookwood Loans and was told it could take up to 3-5 business days since it was being transferred to a pre-paid debit card linked to a checking account. My father interrupted the call and asked to speak with a Supervisor. XXXX refused and my father became upset and yelled at XXXX. XXXX hung up the phone. I re-contacted Brookwood Loans and specifically asked to speak with a supervisor. XXXX as the supervisor I was connected with. He informed my father he would only speak with me re : this issue. While trying to explain the type of transfer this is my father attempted to gain more clarity on the time frames and why I had been given different information by different people who work for the company. XXXX asked if I would like to cancel the loan and I stated I did not. XXXX refused to speak with my father or answer his questions and hung up on us. Two hours later I received an email from Brookwoood Loans stating " Applicant Decline Loan. '' Which I had not done. I contacted Brookwood Loans again and was told I can only speak with XXXX and he is out of the office for the rest of the day. I logged into my account and all of my account activity had been removed. I did not decline the loan and do not feel that it should have been declined falsely on my behalf. It is my understanding that once my loan has been funded I am the only one who can cancel the transaction. I have not been given the opportunity to discuss why my loan was terminated or the real reason it was terminated given I informed XXXX I would like to keep the loan during our final conversation. On Wednesday, XXXX XXXX, XXXX I contacted Brookwood Loans and was told I can not speak to XXXX unless I know what his last name is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation