Consumer complaint received 2025-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: MI

Complaint narrative:
XX/XX/year> XXXX XXXX  text attempting to contact me about my XXXX  account. I responded with my attorneys information. 
XX/XX/year> XXXX from XXXX  wanted to offer me a settlement solution and I responded with Im filing XXXX  and the information I sent was my lawyers information. 
XX/XX/year> XXXX reached out again to offer me a discount if I paid XXXX XXXX that day and I responded with lawyers information again and said Im filing XXXX. 
XX/XX/year> XXXX texted again to offer me another special deal. I responded with you have been given my attorneys information I dont know why you keep contacting me. They asked for my XXXX  paperwork and I said my lawyer handles all of that. 
XX/XX/year> XXXX texted me for payment and I didnt respond. 
XX/XX/year> XXXX texted again to offer me a settlement and I said do not contact me again you are aware I have an attorney. She responded and asked me to submit my XXXX  paperwork and I said you have my lawyers information do not contact me again. She said I have escalated your account and attorneys information to the concerned team and she said that once my account was marked all future communication would be stopped. I responded with harassment. 
XX/XX/year> XXXX texted again offering a special to get me to pay but at the bottom of her text it said reply stop to opt out. I responded with stop and they responded with youre opted out of explore credit alerts. No more text messages sent. 
XX/XX/year> XXXX from XXXX  texted again to offer me a half off settlement. I responded with Im going to sue you. XXXX said that she was sorry but my attorney didnt share any XXXX  documents with them yet. To which I said she is on vacation until XX/XX/XXXX. I have asked you repeatedly to contact her and to stop contacting me. When shes back I am going to see what I can do about you harassing me. 
XX/XX/year> I received an email from XXXX at XXXX  to let me know that they have created a simple and stress free way to resolve my debt. I responded and said contact my lawyer not me and I also said have a great night. 
XX/XX/year> XXXX sent a follow up email to let me know that I had to submit all of my XXXX  information to them and to include them in my reply. To which I responded I have given you my XXXX  attorneys information numerous times. It is not my responsibility to do all of this for you. She has advised me to keep any and all communication from your company. I also said that I knew that once I told you I had a lawyer, which I had done numerous times, you need to contact her. I said do not contact me again your harassing me. He responded and asked me to confirm my attorneys details again so they could update their records and reach out to them directly. I didnt respond. 
XX/XX/year> XXXX from XXXX  texted to help me find the perfect payment plan. I said you keep harassing me and I have a lawyer. Harassment is illegal and I have asked you to stop and you havent. I followed that up with lawsuitshe replied this is for your active loan with explore credit and I said that I have a lawyer that is handling my XXXX. You havent stopped harassing me. I have sent my lawyers information and you keep harassing me. She asked me to submit my XXXX  paperwork and I told her to leave me alone. 
XX/XX/year> Text from XXXX  that said my ach was inactive but not to worry because they had flexible payment options to fit my needs. I responded with Im suing you for harassment. Dont XXXX contact me again. 
XX/XX/year> Another text to let me know my ach payments were no longer active but they had flexible payment plans. I said Im suing the XXXX XXXX XXXX out of you. 
XX/XX/year> XXXX from XXXX  wanted to discuss payment options with me because my ach was inactive. I asked her if there was a reason they kept harassing me. I have told you repeatedly I have filed for XXXX  and have given you the information and I sent stop to stop receiving texts then I get a message that they stopped and then you start texting me again. XXXX XXXX XXXX isnt a joke and Im suing you. Then she asked me to submit my XXXX  paperwork. I said again, contact my lawyer I have already shared the information with you. I am suing you. She then said until you share the documents we wont have your lawyers information. I said that is your fault. My lawyer has sent out all of the notifications. Again stop contacting me. They said they were currently waiting to receive my XXXX  documents and to have my attorney contact them or for me to upload my XXXX  paperwork. I said stop contacting me and received the text message core collections XXXX : you have opted out and will no longer receive messages. 
XX/XX/year> XXXX from XXXX  texted because my auto pay was inactive and to call them to discuss payment options. I said I love that I have saved all of these messages of your company harassing me. My lawyer had already contacted you. Ive already been to court for my XXXX  and you keep harassing me. Why do you keep harassing me? She said because they didnt get my XXXX  documents from my attorney. I said yes she has I have proof of all of that. You guys are XXXX. I have repeatedly asked you to leave me alone and you havent. Every text message is proof of harassment. You keep digging deeper. She asked if she could know when the XXXX  documents were shared and I told her to find it in XXXX  court under my XXXX  name and to leave me the XXXX XXXX XXXX alone. 
XX/XX/year> XXXX from XXXX  texted to let me know my auto pay was inactive and to contact them to discuss payment options. I didnt respond. 
XX/XX/year> I received a text that said my payments were inactive and a lower payment plan could put me back on track. I didnt respond. 
XX/XX/year> XXXX from XXXX  texted to let me know that they noticed I missed several payments and before it was reviewed by their legal team or possibly reported to the credit bureau he wanted to offer me a chance to settle with a special discount. I said that I have kept every piece of communication from you people and I want to pursue my own legal action and have asked my attorney if I can sue you for harassment. Please take me to court so you fools can look even more stupid. He then asked if I needed a copy of the loan for reference. I said no my attorney already has that and you have been harassing me for months knowing I filed XXXX  in XXXX. He then asked if I shared the documents with them and if I hadnt then he request that I do. Once they receive it they will mark my account accordingly. I said my lawyer actually sent out another correspondence XXXX XXXX  ago. You were already notified and given all of the information. I told her that you were harassing me and she sent out another letter. He asked me to confirm my attorneys email address so they could identify the documents that were shared and I told him to stop contacting me. To do your job and leave me alone. XXXX XXXX of harassment. I was clearly wrong when I said XXXX XXXX It goes back further than that. The response I received from them was core collections : you have opted out and will no longer receive messages. 
XX/XX/year> XXXX from XXXX  texted to let me know that he noticed I missed a few payments on my account and wanted to connect before it moves to the next stage .. he said lets take a moment to find a solution -Im confident we can sort this out. I didnt respond. 
XX/XX/year> XXXX texted again to see if I was interested in closing my XXXX  account and if so reply to learn about the available options. I said when your company is sued for harassment do they list everyone that keeps contacting them and the company or just the company? He said my account has been unpaid for a long time. He was trying to help me close the loan. Then I said I filed XXXX  and lawyer contacted you multiple times. He said we dont have any update regarding that, can you share the XXXX  document? I then said I am filing a complaint with the XXXX and my lawyer is going to the judge. He then said let me update this to our concern team. As we didnt receive any notification from your attorney. Our team will get in touch with your attorney.

Company response to consumer: Closed with explanation