Consumer complaint received 2024-02-22
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (AZ)

XXXX of XXXX Explore Credit Support Inbox XXXX XXXX XXXX Attachments XXXX ( XXXX minutes ago ) to Helpdesk, me XXXX do not deduct anything ever from my XXXX XXXX XXXX account XXXX XXXX XXXX for sure delete the {$97.00} first payment on this loan XXXX XXXX XXXX this friday XXXX do not deduct if we do we will have to bring in the Consumer Financial Protection Bureau to investigate myloans an all others there your choice.Write off the {$1100.00} as of today do not do these loans your competitors got fined $ XXXX and {$20.00} mil and I've called 5 times and you hung up blew me off and are stealing my interest illegal to charge 500 % I need verification nothing within dome out my account tomorrow or ever in the future XXXX XXXX XXXX {$97.00} is due on XX/XX/XXXX Your recurring payment is all set. 

View Loan Details Loan ID XXXX | Current as of XX/XX/XXXX Original Loan {$1000.00} Applied XX/XX/XXXX Original Term 13 months View Agreement # Payments XXXX View Schedule Payment Amount {$97.00} XXXX XXXX XXXX XXXX Payoff Amount {$1100.00} Pay Off Loan -- -- -- -- -- Forwarded message -- -- -- -- - From : Explore Credit XXXX Date : Wed, XX/XX/XXXX at XXXX Subject : Explore Credit Support To : XXXX XXXX Balance {$1100.00} Welcome, XXXX, you're enrolled in our Loyalty Program where you can earn exciting awards! 
{$97.00} is due on XX/XX/XXXX Your recurring payment is all set. 

View Loan Details Loan ID XXXX | Current as of XX/XX/XXXX Original Loan {$1000.00} Applied XX/XX/XXXX Original Term 13 months View Agreement # Payments XXXX View Schedule Payment Amount {$97.00} XXXX XXXX XXXX XXXX Payoff Amount {$1100.00} Pay Off Loan Make an Early Payment Pay your upcoming payment earlier than scheduled. This will satisfy your upcoming scheduled payment, and we will not pull another payment until the next payment cycle. 

XXXX XXXX XXXX XXXX an XXXX XXXX XXXX payments will lower the overall balance due on your account. This payment will be applied to your account, and we will still continue to pull your scheduled upcoming payment as well. 

Make Extra Payment Pay Off Your Loan This option will satisfy your loan in full. 

As of today, your loan payoff is {$1100.00} Pay Off Loan Payment Options Self service payment options available XXXX XXXX XXXX XXXX Account XXXX XXXX your info My Profile My XXXX XXXX XXXX Explore Credit XXXX XXXX, As discussed, please see the attached loan agreement. If you have questions, please call us. 

Thanks Explore Credit XXXX XXXX, The Explore Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Call Us Today! 
XXXX Home Firm Overview Class Notices Attorneys Practice Areas Resources Blog Contact Us En XXXX XXXX XXXX PROTECTING THE RIGHTS OF CONSUMERS FOR OVER 25 YEARS XX/XX/XXXX | By XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Please contact us if you are in Illinois or Indiana and obtained a loan from WLCC XXXX XXXX XXXX Explore Credit. 
Categories : High interest loans Share To : XXXX XXXX NEXT POST Related Posts XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX as alleged assignee of XXXX Bank loan XX/XX/XXXX Accelerated Inventory Management attempting to collect XXXX loans XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contact XXXX XXXX Address XXXX XXXX XXXX XXXX Suite XXXX XXXX, IL XXXX Map & Directions Links Home Firm Overview Class Notices Attorneys Resources Contact Us En XXXX Follow Us The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. 
This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship. 
XXXX XXXX Rights XXXX. 

Site Map Privacy Policy Login EXPLORE CREDIT | Client Support Team Office : XXXX Email : XXXX Thank you so much for choosing Explore Credit as your loan provider. If you have any questions, please contact our representatives at XXXX XXXX AM EST XXXX PM EST ( Every Day ). 

Explore Credit XXXX Department, XXXX XXXX XXXX, XXXX, GA XXXX XXXX WLCC Lending JEM dba Explore Credit. All Rights Reserved Confidentiality Notice : This e-mail and any attachment ( XXXX ) are for the sole use of the intended recipient ( XXXX ) and XXXX be confidential and/or privileged. Any unauthorized use, disclosure or copying is strictly prohibited, and XXXX be unlawful. If you have received this communication in error, please immediately notify the sender by return e-mail, and delete the message. 

Privacy Policy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Explore Credit Unsecured Personal Installment Loan by WLCC Lending JEM dba Explore Credit PLEASE TAKE A MOMENT TO REVIEW THIS LOAN AGREEMENT CAREFULLY. YOU WILL BE REQUIRED TO ELECTRONICALLY SIGN IT. YOU WILL ALSO ELECTRONICALLY SIGN THE PAYMENT CHOICE AUTHORIZATION. 

We can not commit to make a loan to you unless your completed application is approved by our underwriting department, located on the XXXX 's Reservation. 



TRUTH IN LENDING DISCLOSURES ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
488.32 % FINANCE CHARGES The dollar amount the credit will cost you {$4000.00} AMOUNT FINANCED The amount of credit provided to you or on your behalf {$1000.00} TOTAL OF PAYMENTS The amount you will have paid after you have made all payments as scheduled. 
{$5000.00} Your Payment Schedule will be : Payment Amount of Payments When Payments Are Due XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Charge : If a payment is 7 days or more late, you XXXX be charged a late payment fee of {$25.00}. 

Prepayment : If you pay off early, you will not have to pay a penalty. 
See this XXXX XXXX for any additional information about nonpayment, default, any required repayment in full before the scheduled date. 

All numerical disclosures except the Late Charge are estimates ITEMIZATION OF AMOUNT FINANCED XXXX. Amount given directly to you : {$1000.00} ( the " XXXX XXXX '' ) XXXX. XXXX XXXX paid on my loan account : {$0.00} XXXX. Equal Amount Financed : {$1000.00} SPECIAL NOTICES : THIS IS AN EXPENSIVE FORM OF BORROWING. 
YOU CAN SAVE FINANCE CHARGES BY PAYING OFF YOUR LOAN EARLY EITHER IN PART OR IN FULL. 
YOUR LOAN IS DESIGNED TO ASSIST YOU IN MEETING YOUR SHORT-TERM CASH NEEDS. IT IS NOT A SOLUTION FOR LONGER TERM FINANCIAL PROBLEMS. 
NON-PROFIT CREDIT COUNSELING SERVICES ARE AVAILABLE IN YOUR COMMUNITY FOR CONSUMERS EXPERIENCING FINANCIAL PROBLEMS. 







WLCC XXXX LOAN AGREEMENT Lender : Borrower : Name : WLCC XXXX XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX, GA XXXX XXXX b XXXX XXXX XXXX, XXXX CA XXXX Disbursement Date : XX/XX/XXXX Effective XXXX This is our Agreement with you regarding your loan. It contains important terms and conditions. You should read it carefully before you electronically sign it. 
In this XXXX XXXX ( the " XXXX '' ) the words " you '' and " your '' mean the borrower who has electronically signed it. The words " XXXX '', " we '', " us '' and " our '' mean WLCC XXXX XXXX. We are a sovereign enterprise, an economic development arm and instrumentality of, and wholly owned and controlled by, the XXXX XXXX XXXX ( the " Community '' ), a political subdivision of the XXXX XXXX XXXX ( the " Tribe '' ), a federally-recognized sovereign American XXXX Tribe. This means that your loan is provided by a sovereign government and the proceeds of our business fund governmental services for XXXX citizens. All disclosures in this Agreement are also terms and conditions of this XXXX. 

You must electronically sign this XXXX XXXX and submit it to us with your application. We will then approve or deny your application. If we approve it, the proceeds of your loan will disbursed to you and this XXXX will be in full effect. 

VERIFICATION. We reserve the right to verify the accuracy of all information you provide and to deny your loan application in case of any inaccuracy or omission in your loan application, or any other violation of this XXXX. We reserve the right to verify any information you submit through the production of appropriate documentation, and also reserve the right to conduct such verification through a third party. You hereby authorize us to request and obtain data from a third party to verify any information you provide us in connection with your application. 

RIGHT TO CANCEL. You have the right to cancel this Agreement without cost within XXXX ( XXXX ) business days from the date we notify you that your application has been approved by XXXX. If you decide to cancel this Agreement you must send us your notice of cancellation by email to XXXX or by phone to XXXX no later than midnight XXXX time on the second business day after the Disbursement Date ( the " Midnight Deadline '' ). You must also return all proceeds of your loan that you received by the Midnight Deadline. To return those amounts to us, your notice of cancellation must also include your authorization for us to use XXXX of the payment methods you selected on your Disbursement and Payment Choice. If we timely receive your written notice of cancellation on or before the Midnight Deadline but before the loan proceeds have been deposited into Your Bank Account, then we will not debit XXXX Bank Account and both your and our obligations under this Loan Agreement will be rescinded. However, if we timely receive your written notice of cancellation on or before the Midnight Deadline but after the loan proceeds have been deposited into Your Bank Account, then you authorize us to effect a debit to Your Bank Account or your debit card as you selected in your Disbursement and XXXX XXXX XXXX for the principal amount of this Loan Agreement. If we receive payment of the principal amount via thedebit by the Midnight Deadline, then both your and our obligations under this XXXX XXXX are immediately rescinded. If we do not receive payment of the principal amount by debit to Your Bank Account or your debit card, then this XXXX XXXX remains in fullforce and effect. 

TRUTH IN LENDING DISCLOSURES : The Truth-in-Lending Disclosures above are provided to you so that you XXXX compare the cost of this loan to other loan products you might obtain in the United States. Our inclusion of these disclosures does not mean that we or any subsequent holder of this XXXX consents to the application of state law to us, to the loan, or this XXXX. 

YOUR PROMISE TO PAY. You promise to pay to the order of Lender or any assignee of this Agreement from the Disbursement Date above the principal sum of {$1000.00} ( Principal ) plus interest ( and any applicable fees ) on the unpaid principal balance of the loan until the amount you owe under this Agreement is repaid in full ( the Loan ). You promise to repay this amount in installments in the amounts and on the dates set forth above in the Payment Schedule section of the XXXX XXXX in XXXX XXXX. You agree to make your payments using the method or methods you selected in your Disbursement and Payment Choice Authorization. 

YOUR INTEREST CHARGES. You agree to pay interest on the outstanding Principal at a rate of 495.00 % per annum ( the XXXX XXXX ) from the loan date until paid in full. To figure interest, we divide the XXXX XXXX by XXXX, which equals a daily rate of 1.36 % ( XXXX XXXX ). We then multiply the XXXX XXXX by the outstanding principal balance. This gives us a daily interest charge. We then multiply the daily interest charge by the number of days the principal balance is outstanding. Interest accrues from the Effective Date to the date your loan is paid in-full. Late payments made after the due date will result in additional interest charges. 

APPLICATION OF PAYMENTS. We will apply all payment we receive in the following order : ( XXXX ) fees ; ( XXXX ) accrued and unpaid interest; and ( XXXX ) Principal. If you make an extra payment ( in addition to your regularly scheduled installment payment ) and you are not in default, we will apply the extra payment according to the order described in this section. 







ESTIMATES. All numerical disclosures in the Truth-in-Lending Disclosures are estimates made assuming the Disbursement Date is the business day after your loan is approved. 

REPAYMENT SCHEDULE. You must repay this XXXX in payments according to the Payment Schedule set forth above in the XXXX XXXX XXXX. Your payment is made up of principal and interest repayments. The Truth-in-Lending Disclosures are calculated based on the assumption that you will make each payment on the date it is due. If any payment falls on a weekend, bank holiday or a day that your bank is not open, then such payment shall be due on the prior business day upon which your bank is open. 

PREPAYMENT. You XXXX prepay all or part of the amount that you owe under this XXXX at any time without having to pay a penalty. Since finance charges are not precomputed, you will not be entitled to a prepayment refund. To arrange to prepay your loan in whole or in part, you must go online at https : //login.explorecredit.com or call us at ( XXXX ) XXXX to alert us of your intention to make a prepayment and then follow our instructions. Partial prepayments will not change the amount or due date of your remaining payments until your Loan is paid in full. Instead, the prepaid principal will be deducted from the end of your payment schedule. A customer service representative can provide you with more detailed information based on your individual repayment history. 

DISBURSEMENT. If your XXXX is approved, we will disburse your loan proceeds within XXXX ( XXXX ) Business Days. A XXXX XXXX is a regular workday and does not include Saturday, Sunday or banking holidays or on that same day. You authorize us to use commercially reasonable efforts to initiate a credit entry by depositing the proceeds of your XXXX into the bank account or onto the payment instrument that you first authorized in your Disbursement and Payment Choice Authorization. The date that your loan proceeds are deposited to Your Bank Account or onto your payment instrument is the " Effective Date '', which is set out above. Unavoidable delays such as bank holidays, the processing schedule of your individual bank, inadvertent processing errors, " acts of XXXX '' or " acts of terror '' XXXX extend the time for the deposit. 

DEFAULT : You will have broken your promise to pay in this loan agreement if : ( a ) you provide false or misleading information about yourself, your source of income, or your financial condition prior to entering into this loan agreement; or ( b ) if you fail to pay us a scheduled payment or any other amounts you owe us when due or your chosen payment method is stopped, denied or otherwise dishonored. 
CONSEQUENCES OF DEFAULT : Should you default on any of your obligations under this loan agreement, we XXXX, at our option, do any XXXX or more of the following : ( a ) we can choose to declare all principal, earned finance charges, and other amounts that you owe to us to be immediately due and payable in full ; ( b ) if you authorized debits from either your Bank Account or your debit card in your Disbursement and Payment Choice Authorization, you agree that, without further notice, we can debit your bank account or debit card, as applicable, for the full amount that you owe us ; ( c ) submit your name to a collection agency ; ( d ) report the incident to a consumer reporting agency database, which XXXX negatively impact your ability to receive loans or advances from other companies ; and ( XXXX ) pursue all legally available means to collect what you owe us. By choosing any XXXX or more of the above options, we do not waive our rights to use any alternative methods available to usto collectthe money you owe us. 

LATE PAYMENT FEE. If your payment is XXXX or more days late we XXXX charge you a late payment fee of {$25.00}. 

RETURNED PAYMENT CHARGE. If your payment method is stopped, denied or otherwise dishonored, then you XXXX be assessed a returned payment fee of {$25.00}. Your returned payment XXXX also cause your payment to be late which could result in you also having to pay a late charge. Your bank XXXX also charge you a fee. 

CONSUMER REPORTS. You authorize us to obtain consumer reports about you now or in the future as long as you owe us money under this XXXX. We XXXX use the consumer report for any purpose authorized by applicable law in connection with a credit transaction involving you and involving the extension of credit to you or review collection of your account, including but not limited to ( i ) for authentication purposes, to make sure you are who you say you are, ( ii ) to make credit decisions ; ( iii ) to determine how much debt you currently have, in order to determine your debt-to- income ratio, and ( iv ) to obtain information and characteristics from your credit report from XXXX or more consumer credit reporting agencies. We XXXX report information about your performance under this Agreement to credit reporting agencies. Late payments, missed payments and defaults XXXX be reported. This XXXX negatively impact your ability to receive loans or advances from other companies or to write checks. 

CREDIT DISPUTES ; IDENTITY THEFT. If you believe that any information about your loan that we have furnished to a consumer reporting agency is inaccurate, or if you believe that you have been the victim of identity theft in connection with any loan made by XXXX, write to us at PO XXXX XXXX, GA XXXX. In your letter ( i ) provide your name and loan number, ( ii ) identify the specific information that is being disputed, ( iii ) explain the basis for the dispute and ( iv ) provide any supporting documentation you have that substantiates the basis of the dispute. If You believe that you have been the victim of identity theft, you must submit an identity theft affidavit and a police report documenting the theft along with your letter to us so that we XXXX document your account as fraud. 

ENTIRE AGREEMENT. This Agreement contains the entire agreement between you and XXXX relating to it. Any change to this Agreement must be in writing signed by us. No oral changes are binding. 

OTHER RIGHTS. We XXXX delay enforcing any of our rights without losing them. We can enforce this Agreement against your heirs and legal representatives. We XXXX assign this XXXX and our rights under it without notice to you and without your consent. 

ASSIGNMENT. We XXXX assign or transfer this XXXX or any of our rights under this XXXX. 







ATTORNEY FEES AND COLLECTION COSTS. If the XXXX is in default as described above, and we XXXX pursue collection efforts against you, subject to applicable law. You agree to pay all reasonable collection agency fees, court costs and other collection costs actually incurred by XXXX and our agents, successors and assigns in the collection of any amount you owe us. If we refer your XXXX to an attorney who is not our salaried employee for collection, you agree that we XXXX charge and collect from you reasonable attorney fees incurred by us. 

XXXX XXXX CLAUSE. Not withstanding any other provision herein, the aggregate interest rate of the XXXX ( including all charges or fees in connection with this XXXX that are deemed in the nature of interest under applicable law ) shall not exceed the highest lawful interest rate. If XXXX contracts for, charges, or receives any consideration which constitutes interest in excess of the highest lawful rate, then any such excess shall be cancelled automatically and, if previously paid, shall at such Lenders option be applied to the outstanding amount of the XXXX made hereunder or be refunded to you. 

GOVERNING LAW. This Agreement is governed by the laws of the XXXX XXXX XXXX of the XXXX XXXX Reservation ( " Tribal Law '' ), a federally recognized XXXX Tribe and the XXXX Commerce Clause of the United States XXXX and XXXX XXXX XXXX, and the Arbitration Agreement below is additionally governed by the XXXX XXXX XXXX ( XXXX ) and the decisions of the United States Supreme Court interpreting the XXXX. We do not have a presence in South Dakota or any other State of the United States of America. Neither this XXXX nor the XXXX is subject to the laws of any State of the United States. You agree to be bound by XXXX XXXX and all applicable federal law and in the event of a bona fide dispute between you and XXXX, XXXX XXXX and applicable federal law shall exclusively apply to such dispute. 

SOVEREIGN IMMUNITY. This Agreement together with any related documents are being submitted by you to us as a sovereign enterprise, an economic development arm and instrumentality of the XXXX which shares in the governmental sovereign immunity of the XXXX. Because we and the XXXX are entitled to sovereign immunity, you will be limited as to what claims, if any, you XXXX be able to assert against us. To encourage resolution of consumer complaints, any complaint XXXX be submitted by you or on your behalf to arbitration as described below. 

PRESERVATION OF SOVEREIGN IMMUNITY It is the express intention of the Community and XXXX operating as an economic arm of the Community, to fully preserve, and not waive other than as expressly provided in this Agreement, our sovereign governmental immunity from suit, and any other rights, titles, privileges, and immunities, to which we or the Community are entitled. To protect and preserve the rights of the parties, no person XXXX assume a waiver of sovereign immunity. No waiver is or can be made except by express written declaration of the XXXX 's governing XXXX specifically authorizing a waiver for the matter in question. Except as pertaining to a single, potential arbitration between you, as an individual consumer, and XXXX, no such waiver has been made with respect to this XXXX, your Disbursement and XXXX XXXX XXXX or any other related document.