Consumer complaint received 2023-07-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: WLCC (MI)

Let me first state that I have in no way applied for or authorized any loan application or activity with XXXX XXXX XXXX or XXXX XXXX XXXX and do not want to have any financial dealings with either organization. 

Beginning XX/XX/XXXX, I began receiving phone calls about an in process loan application and then received an alert from my XXXX that an alternative lending loan in the amount if {$600.00} had been opened by XXXX XXXX XXXX in my name. I received no emails whatsoever to any account that I monitor. No monies were deposited to any account that bears my name. I then began receiving calls from XXXX XXXX XXXX that a payment was scheduled to be taken from my accounts. On XX/XX/XXXX I opened a case with XXXX through my XXXX  account and placed fraud alert on my credit monitoring. 

I also called and spoke with XXXX, a call center XXXX at XXXX XXXX XXXX on XX/XX/XXXX. They gave me additional information as to an email associated with the account and limited banking information as to where the money was deposited. 

The email that previous communication was sent to is an old email belonging to my oldest child. He verified that the only communications to that account were emails after my complaint. Nothing regarding loan applications or loan agreements or payment arrangements. The original communication was found in a spam folder after I was told what email address was on file by XXXX. My oldest also shared that they have received other unsolicited and spam communications via the XXXX  email connected to my name. It would appear that while the email account is not mine and I have no means of monitoring it that hackers/spammers have connected my name to it. 

I do not have their money and have no way of assisting them in it being returned. I contacted XXXX XXXX regarding the account and they assured me that I have no accounts with XXXX XXXX under my name/social security number. Of course they would not share the name on that account, but stated that XXXX XXXX XXXX, should file a complaint with XXXX XXXX that the account is being used for fraudulent purposes. 

It began to appear to me that XXXX XXXX XXXX  and XXXX XXXX XXXX were connected in some way. XXXX confirmed this, but said no loans connected with XXXX XXXX XXXX should happen. Per the XXXX  they appear to have a history of dumping {$600.00} into a bank account without the person 's knowledge and then coming after them for the " loan '' with triple digit figures. I believe this is that what happened here. XXXX  reviews of National Nation Loans were not much better with mentions of triple digit lending rates. 

Bottom line I am a victim of fraud/scam in this situation. While I appreciate the what appears to be honest communication from XXXX, I believe it is XXXX XXXX XXXX engaging in fraud and identity theft. I was told that the " application '' came from a merchant with an electronic signature by clicking " I agree '' I received additional ID alerts today, XX/XX/XXXX that the loan is past due and in collections. I have spoken with XXXX XXXX XXXX again today, XX/XX/XXXX and was assured that in spite of alerts the account is on hold while being investigated. They are adamant in requiring a case filed which is why I am filing this complaint. 

Both XXXX XXXX XXXX and XXXX XXXX XXXX are XXXX lenders exempt from certain lending restrictions and have extremely negative reviews via XXXX