Consumer complaint received 2024-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Blake Enterprises, LLC
State: LA

Complaint narrative:
According to 12 CFR Part 1041, this payday lender violated multiple various payday loan regulations by participating in unfair and abusive practices, violated prohibitions on certain payment transfer attempts and failed to provide adequate disclosure of payment transfers, etc. 

According to 15 U.S. Code 1692k, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( XXXX ( a ) ) in the case of any action by an individual, such additional damages as the court may allow but not exceeding {$1000.00}. 

This payday lender failed to comply with the provisions of 15 U.S. Code 1692b ( 1 ) by communicating with multiple persons other than the consumer for purpose other than confirming or correcting location information concerning the consumer ; This payday lender failed to comply with the provisions of 15 U.S. Code 1692b ( 2 ) by communicating with multiple persons other than the consumer implying that the consumer owes a debt ; This payday lender failed to comply with the provisions of 15 U.S. Code 1692b ( 3 ) by communicating with multiple persons more than once against the will of those persons ; and without reasonable belief that such person was erroneous or incomplete in providing location information of the consumer ; This payday lender failed to comply with the provisions of 15 U.S. Code 1692b ( 4 ) by communicating multiple times by post card ; This payday lender severely violated my rights as a consumer with provisions of 12 CFR Part 1041.9 ( a ) ( 1 ) when it did not provide general form of disclosures in a clear and conspicuous way. 

This payday lender severely violated my rights as a consumer with provisions of 12 CFR Part 1041.9 ( b ) ( 2 ) ( i ) when it did not provide first payment withdrawal notice within the federal time limits by ( A ) mail no earlier than when the lender obtains payment authorization and no later than six business days prior to initiating the transfer ; ( B ) by electronic delivery no earlier than when the lender obtains payment authorization and no later than three business days prior to initiating the transfer. 

This payday lender severely violated my rights as a consumer with provisions of 12 CFR Part 1041.9 ( b ) ( 2 ) ( ii ) when it did not provide a notice with ( A ) identifying statements and ( B ) transfer terms content requirements. 

This payday lender severely violated my rights as a consumer with provisions of 12 CFR Part 1041.9 ( b ) ( 3 ) when it failed to provide unusual withdrawal notice This payday lender severely violated my rights as a consumer with provisions of 12 CFR Part 1041.9 ( c ) when after two or more failed payment transfers from a consumer 's account as described in 1041.8 ( b ) that a lender must not initiate a payment transferfrom a consumer 's account in connection with any covered loan that the consumer has with the lender after the lender has attempted to initiate two consecutive failed payment transfers from that account in connection with any covered loan that the consumer has with the lender. For purposes of this paragraph ( b ), a payment transfer is deemed to have failed when it results in a return indicating that the consumer 's account lacks sufficient funds or, if the lender is the consumer 's account-holding institution, it is for an amount that the account lacks sufficient funds to cover.

Company response to consumer: Closed with explanation