Consumer complaint received 2025-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC
State: OH

Complaint narrative:
On XX/XX/XXXX, I applied for a payday loan from Enable Loans, also know as Wakpamni Lake Community Corporation and several other names. I was improved for a loan for {$300.00}. I made the first XXXX payments out of XXXX payments. I began receiving messages from then stating that if I needed more money, I could apply for a new loan. On XX/XX/XXXX, I applied for a loan in the amount of {$600.00}. When funds were deposited into my account, it was only {$390.00}. 

I went to the Enable Loans website to access my account to get a copy of the agreement, but when I entered my login information, it stated it was invalid. I then tried to reset my password, but when I entered my email address to receive a link to reset my password, it said that there was no account associated with my email. After several attempts, I tried contacting Enable Loans by phone and no one returned my call, I then tried to reach them by email, and still received no reply, so I filed a complaint with the XXXX  on XX/XX/XXXX. On XX/XX/XXXX, I received a message from the XXXX  stating they accepted my complaint and would be contacting Enable Loans about my issue. 

By this time, since my payments are due the XXXX of each month, Enable Loans had processed the first XXXX draft in the amount of {$390.00}. I again tried to contact Enable Loans and to access my account, but was unsuccessful. I received a phone call a few days later from Enable Loans stating they were having issues with their email system ; they gave no reason why it took so long to respond to my voicemail I left them. The representative had me again attempt to access my online account, which I received the same messsages. She did something on their end and I finally was able to access my account. It had a notation of the new loan, but it stated that it was still processing and there was no agreement. My question to myself was if the loan had not yet been processed yet, how did they deposit funds into my account and take {$390.00} from my account? So I cancelled the ACH withrawals from my account and my bank reversed the {$390.00}. I had placed in my complaint with the XXXX  that I would be contacting my bank to do this and stated I needed a copy of the loan agreement to verify the amount taken was correct. 

On XX/XX/XXXX, I received a message fron the XXXX  stating they had a response back from Enable Loans. In their response to my complaint, Enable Loans stated that they processed the loan as a refinance of {$600.00}. Of that amount, they stated {$200.00} was applied to pay off my previous loan ( XXXX ), and {$390.00} was deposited into my. checking account. In addition, they stated first payment of {$390.00} was successfully processed on XX/XX/XXXX, not knowing yet that the payment was reversed. 

This explained why only {$300.00} was deposited into my account, but I still had no loan agreement verifyiing the amounts were true, so I was not going to accept their statement as being the true amount. I mentioned in my response back to the XXXX  on XX/XX/XXXX, that I told them if I made a payment and they could not find any record of receiving it, they would want me to provide proof that the payment made, so I was asking the same as them. 

Enable Loans finally sent me a copy of the agreement to confirm my payments and the due dates. Since {$390.00} is almost one-thrid of my income ( {$1400.00} from XXXX ), I had to determine how I was going to pay this large amount, as that would not leave me enough money to cover my monthly expenses. Enable Loans also began sending me text messages offering a payoff amount of {$720.00}, paid in XXXX payment. I ignored the first couple of messages. I finally responded to them stating that I was unable to accept the offer to payoff the loan at the reduced amount because I could not pay that large amount. I also stated if I had {$720.00}, I would not have needed to request a {$600.00} loan from them. I reported this offer to the XXXX on XX/XX/XXXX and let them know my response was to their offer, but I have yet to receive a response back from the XXXX  on Enable Loans response to my offer. I do not believe that the XXXX  was aware of the offer as nothing about the offer has been received by me from the XXXX. 

I received my payment for SSDI by direct deposit on the XXXX of each month, sometimes sooner if there is a holiday or if the bank makes funds available to me earlier. On XX/XX/XXXX, I received my direct deposit for XXXX and automatic payments and other payments began posting to my account on XX/XX/XXXX. On the morning of XX/XX/XXXX, my bank account was overdrawn. I looked through the transactions online and say that there was a check pending. I do not have checks for my account so I was puzzled on how a check was written on my account. Upon viewing the check, I say the check was made payable to Enableloans in the amount of {$190.00}. Enable Loans had created a check, made payable to themselves and submitted the check electronically to my bank. From what I see on the check, it doesn't contain a checking acount number or routing number. Also for the signature block, the placed the statement " Signature on file. This check has been authorized by your depositor. Enable Loans has created this check and sent it to my bank, since they knew I had stopped the XXXX withdrawals from them, so they are trying other ways to receive payments to bypass the XXXX withdrawals. 

I immediately contacted my bank on XX/XX/XXXX, when I saw the transaction, to let them know. Becasue the payment was in pending status, they would not allow me to file a dispute. On XX/XX/XXXX, the check cleared and is posted to my account, so I called the bank to dispute the transaction. My bank stated that it could take up to XXXX business days to process the dispute and approve it and to decide if they would reverse the payment then or wait until the investigation is concluded, which could take up to 90 days. She also stated since the check is fraud, their fraud department XXXX approve reversing the transaction sooner, but the bank could not give me a timeframe of when that might happen. Without those funds, there is not enough left in my bank account to pay my rent, which is due no later than tomorrow, XX/XX/XXXX. That means I will incur at least late fees, initial and daily late fees until the payment is received. If not received by the XX/XX/XXXX, my property XXXX will give me a notice to vacate the premises. Then if the rent is not paid by the date given on the notice, my property XXXX will start the eviction process and I will then have legal fees, in addition to my rent and late fees. 

I have attached a copy of both of the loan agreements. I've also attached screenshots I took of the check XXXX XXXX sent to my bank. There are front and back copies of the check, XXXX that XXXX be difficult to read because of the size and XXXX enlarged view. With the enlarge views, it has the large tab saying " XXXX back '' and " View front '' on the bottom, so I wanted to send the smaller view to show that there is nothing under the space with the yellow tab.

Company response to consumer: Closed with explanation