Consumer complaint received 2025-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: WLCC
State: OR

Complaint narrative:
On or about XX/XX/year> I applied for a loan through a website who then sends your application to other lenders, I don't remember the original website, I ended up getting a loan from a different lender. On XX/XX/year> {$750.00} was deposited in my account without any easily identifiable information but I didn't really think about it because I had been hoping to get a midmonth check for overtime from my employer. On XX/XX/year> Explore Credit attempted to withdraw {$49.00} and {$140.00} from my account and has tried to withdraw the same amounts on XXXX, XX/XX/year>, XX/XX/year>, XX/XX/year>, XXXX, XX/XX/year>. Some of the payments went through and some were returned due to non sufficient funds, or because I completed a stop payment request on XX/XX/year> with my bank. On XX/XX/year> they submitted fraudulent checks to my bank and received money, I did not authorize those checks. I reached out to the company via email on XX/XX/year> asking for copies of the loan agreement and any other correspondence between us as I had never talked to anyone prior with their company and didn't remember accepting this loan. I had found an email in Spam from them saying the money was on it's way and my loan was approved and if I didn't apply for this loan or needed to cancel it I needed to contact them within 3 days. That email was sent on XX/XX/year> the same day the loan was funded. The returned a copy of a loan agreement that was not signed by me and detailed a repayment schedule I wouldn't have agreed to because it was payments totalling {$5100.00} for a supposed {$750.00} loan to be paid biweekly when I'm paid monthly, which wouldn't have worked. I replied via email on XX/XX/year> that I didn't sign this agreement, I wouldn't have signed it because of the biweekly payments and because of the total cost of the loan being {$5100.00} which is ridiculous. I stated they had already created a financial hardship by already withdrawing payments and told them to not make any further withdrawals from my account. I pointed out that the timing of their deposit was just prior to a weekend, the deposit didn't show their name or any other identifiable information yet their withdrawals do which seems manipulative and misleading. I let them know that due to my pay schedule I wouldn't be able to pay back the remaining portion of the {$750.00} until the first and asked if they would offer a more reasonable agreement for me to pay them back and reiterated that they did not have permission for further withdrawals. On XX/XX/year> they responded stating they wanted a copy of a picture of me, my drivers license, an alternate payment method, and my checking amount information which clearly they already had somehow. I did not send them my drivers license or a selfie or any other information as it appeared to me that they conducted their business in an unethical if not illegal manner. They resumed withdrawing from my account without permission, I completed a stop payment request with my bank and then they submitted paper checks I did not authorize or sign. I've submitted a fraud report to my bank and I'm completing this complaint so someone else doesn't have the same proglems that I've had hopefully.

Company response to consumer: Closed with explanation