Four Directions Lending LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/07/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MD 21214	Web
On or about XX/XX/2021, I was standing in my vets office, faced with the news that my beloved cat was suffering from an XXXXXXXX XXXX and could only be saved with the initiation of emergency life-saving treatments. I was desperate to save her but did not have the funds readily available to be able to do so. The vet suggested I apply for an emergency same day loan, as the funds can usually be available within minutes or hours. When I tried to find such help, I came across a lender who seemed like they could help me right away, namely West Side Lending. The site said I could borrow up to {$5000.00} and could have the funds in my account within 24 hours. I immediately clicked the button to apply for a {$600.00} loan. After answering a few questions, a woman from West Side Lending phoned me. She said that I was approved and that I would receive the loan money that very same day so that I could save my cat! I thought this company, and their willingness to help me in my time of need, was an answer to my prayers! The woman also explained that, as a reward for being a new customer and given that my loan was under {$1000.00}, I would not be charged any interest, so long as I made my biweekly payments. She said only if I missed a payment would I be charged some interest. She NEVER disclosed fees or other costs. She NEVER disclosed the amount of interest I would be charged, and CERTAINLY NOT at a rate they are now claiming. I arranged for my bi-weekly loan payments to be made through automatic withdraws from my bank account, so that I would never miss a payment. I had already repaid the lender roughly {$1200.00} which, by my calculations, is repayment at an 88.3 % interest rate. ( Considering the interest rate cap in my State is about 36 %, I feel that I have more than repaid my debt to West Side Lending. ) This past week, however, the lender contacted me, claiming that I somehow missed a payment. They insist that my loan is now in default, and claim that I agreed, should that happen, that they be allowed to seize payment immediately IN FULL. They claim this amount to be nearly {$5000.00}, DUE IMMEDIATELY. I asked how this could be since : ( a ) they have been taking the payments out automatically ; and ( b ) I ONLY BORROWED {$600.00}. They are now alleging that I agreed to an interest rate of 777.74 %, which brought me to tears. This may have been the first loan I have ever taken out ( aside from student loans ), and I was dealing with an emergency at the time, but I WOULD NEVER HAVE AGREED to a 777.74 % interest rate in my life ( nearly {$5000.00} on a {$600.00} loan ). That is not only sickeningly absurd but should be criminal. I asked them to send me proof of this allegation, and they emailed me a 17-page document that I had never seen before or had the opportunity to review before taking out this loan. They claim I signed this document in several places. I understand that, with some sites, typing your name into a box can be deemed your electronic signature if the website or document so explains this. NONE of the boxes containing my alleged signature do so. And, if I were to have somehow allowed the computer program to document my alleged electronic signature, why is the signature wholly different in each of the boxes? Wouldnt a computerized electronic signature appear the same in each box to which it is applied? This is fraud! I never read nor signed these loan documents. I have never even seen these documents until now, and only AFTER they threatened me with a demand for payment-in-full at a 777.74 % interest rate. When faced with an emergency situation, I quickly searched my phone for recommended help and found West Side Lending. They promised FAST ACTION to help with loans to cover things like vet bills, hospital bills, car repair and utility bills ( it turns out, they make their money by preying on people faced with desperate emergency situations ). And they promised an interest-free loan for me, as a first-time borrower with a loan under {$1000.00}. I relied on this promise. They NEVER disclosed the exorbitant interest rate they were going to strap me with, nor did they disclose fees or other costs associated with the loan. They NEVER disclosed that they were a tribal nation/ tribal lender with alleged sovereign immunity, nor explained what that meant in terms of my business dealings with them. They NEVER provided me with copies of any loan documents they allege I signed until AFTER they threatened me with default action. They have been HARASSING ME by phone multiple times a day since claiming that my loan is in default, which is interfering with my work. During each of these calls, the lender reads aloud my full Social Security Number and asks me to confirm that it is accurate, before even asking my name. Each time, I tell them that it is illegal to do so by phone, especially not knowing who they are talking to. I ask them time and again to stop, but they do it every time. This could lead to my identity being stolen, should the lender mis-dial my phone number. They are FRAUDULENTLY claiming that I GAVE UP ALL OF MY LEGAL RIGHTS and am bound by the rulings of a tribal judiciary. They are engaging in THREATENING ACTS by claiming to have knowledge of every bank account I might own, despite the fact that only one bank account was ever disclosed to them. They FRAUDUENTLY claim that I agreed to allow them to IMMEDIATELY TAKE ALL OF THE MONEY THEY CLAIM THEY ARE OWED FROM MY BANK ACCOUNT IN ONE LUMP SUM once they unjustly claimed I was in default, and that I agreed to IMMEDIATELY ALLOW THEM TO GARNISH MY WAGES IF MY BANK ACCOUNT DOES NOT CONTAIN ENOUGH MONEY FOR THEM. I just discovered that one of their websites also states that loans are not available to residents of all States, including Maryland ( which is where I live ). So how was I eligible for a loan when my State is on West Side Lendings list of ineligible States? And why is my State ineligible? Whether sovereign immunity applies or not, I now believe that their actions constitute PREDATORY LENDING PRACTICES and violations of the FEDERAL TRUTH IN LENDING ACT. Among other things, West Side Lending, directly and through its agents, servants and/or employees, engaged in deceptive advertising to take advantage of borrowers situations, utilized rushed sales tactics, failed to provide proper loan disclosures, provided misleading information, perpetrated fraud, forged my alleged signature on loan documents, and failed to provide me with any online access to my account. They also failed to disclose that I had the option of paying off my principal balance early to avoid ongoing exorbitant fees and interest, as so many XXXX XXXX XXXX complainants allege would have been a borrowers right. In recent years, the Attorney Generals of many States have filed suit against tribal lenders engaging in these practices. A New York Federal Appeals Court held that consumer advocates could sue for injunctions barring officers of Native American tribes from engaging in alleged predatory-lending practices. A Michigan Attorney General filed suit against a tribal lender, alleging its actions violated the Federal Consumer Financial Protection Act and claimed the lender was using tribal status to circumvent state and federal laws. An attorney with Public Justice reported that an increasing number of online payday lenders have recently sought affiliations with Native American tribes in an effort to take advantage of the tribes special legal status as sovereign nations. Some of these payday lenders have even been convicted of Federal Racketeering charges. I understand that the federal government allows some of these businesses to engage with customers with little government oversight, so as to maintain good relationships with various tribes on American soil. However, it should never be done at the expense and detriment of American citizens and to such extremes. I am truly hopeful that, given the fraud being perpetrated by West Side Lending, that you will be able to step in and help me.
02/16/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	FL 33025	Web
Letter sent to the lender ; Dear Lender, It has come to my attention that payday/ lending are illegal in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing and have repaid the principal balance of the loan. I have been in contact with the XXXX XXXX XXXX XXXX XXXX XXXX and they have verified that your company is not governmentally regulated and is not valid to uphold. I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I have closed my account with XXXX to protect my interest in this matter, per instructions from The State of XXXX XXXX XXXX XXXX. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. I must also inform you that I will be filing complaints with the XXXX XXXX XXXX, the Federal Trade Commission, and Florida Attorney General 's Office. I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. Sincerely, CC : Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/13/2021	No	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	AZ 851XX	Web
I was told I was approved by this company then was taken to a secure site to verify banking info then the page just kept saying hold for over 20 minutes so I called them, the representative who answered said I was denied! I ask them why, he refused to tell me that i would find out later when they sent me a letter, i informed him no that it's the law to disclose that information to me, he still refused after arguing for over 15 minutes and asking for a supervisor on duty he still refused would not provide a supervisor and then i told him if the supervisor wasnt there I'd call the labor board!! He then said i was denied because i had no direct deposit shown in my account, now this really concerned me because 1 that dosent make sence and 2 there is a direct deposit! So i said i needed the supervisor immediately, he said they would call me back, I said no I will hold he refused said they would call me back, I told him I would hold let the supervisor no I'm holding to speak with them and the representative still refused said they would call me back and hung up! I then called back got a different representative and ask for a supervisor explained what the last gentleman did and said I needed the supervisor on the phone, this representative also refused! I explained if they didnt get a supervisor I would have to report this buisness for breaking labor laws, refusing to produce a supervisor as requested and proceed to investigate the legitimacy of this buisness and seek action against the argumentative employees as well as the fradulent actions of obtaining personal information from me as a consumer and not explaining the steps taken as to why a denial by a financial institution without legitimate reason! They still refused a supervisor, corporate phone number or contact, and hung up on me again!
09/30/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	ME 047XX	Web
Upon investigation of this company I found out that according to Maine law they were not allowed to charge me more than a 30 percent interest rate and a XXXX finance charge for the amount I borrowed. I emailed this company on XX/XX/2021 informing them of my findings and requested they return my overpayment. Up to that date I had paid XXXX payments of XXXX and XXXX payment of XXXX for a total of XXXX which resulted in an overpayment of XXXX after the deduction of XXXX for loan amount, XXXX in interest and XXXX finance charge. I received an email back indicating they had closed my account in good standing but would not return any money. I let them know that as far as I could see they had no license to due business in the state of Maine and regardless of their claim of tribal immunity they had to abide with state licensing laws. I have received no further responses from them. The fact that they closed my account so easily leads me to believe they are hiding something.
09/09/2021	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	WA 99212	Web
XX/XX/XXXX, XXXX received a {$1500.00} loan from this East Line Lending during a time where work was slow because of the pandemic. I was told I would not have an early off fee but the interest rate for the early pay off is higher for each day when you go to pay it off. I have paid this company well over {$1500.00} already and they are still trying to get me to pay more. They called my employer and stated they would be doing a garnishment and that I was aware of this. I have not received any court filings or any communication from East Line regarding a garnishment. When I spoke with East Line they told me I received something via email. I have searched my email and there is nothing in my email regarding a garnishment. I have asked for access to my contract and still don't have that. This company is taking advantage of people during the pandemic. I understand paying off my loan and within reasons but {$6000.00} or more for a {$1500.00} loan is insane.
10/30/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	IN 46241	Web
I had provided them with my personal information including my bank account information. As soon as I hit the submit button the website disappeared, I went to another tab and pulled the site back up, and tried to log into it. The login tab was nonfunctional, I attempted on two different computers. I called the number provided and I was refused access to the site and told that there was not an issue. I then told them I wanted my information deleted and that I wanted immediate confirmation. I was told it was sent but it would take a long time for the email to reach me since their emails too numerous. I have had to close out my bank account but I am still afraid that fraud will be committed since they have my social security number as well. everything that I was told on the phone was inaccurate as to the laws to protect consumers. I was previously a loan manager and how this company is handling my issue is alarming.
12/28/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	WA 99207	Web
In XXXX of 2021 I took a XXXX dollar loan from this company. I was told I would have XXXX payments of XXXX to pay it off. Which is what the first payment in XXXX was. They then began taking double the payment at every payday as opposed to to once a month. I called to try to pay it off and the interest has accrued at an insane amount. I would never agree to a XXXX XXXX percent loan. I have been out of work due to XXXX and called and asked to speak to a supervisor and each time they put me on hold and then said they would call back and never do. They are taking advantage of people amid the pandemic. I have already paid back XXXX times the amount of the original loan. What they are expecting is insane. The attached documents show the payments they doubled and started taking per biweekly which was never the agreement they told me on the phone.
09/07/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	ND 58078	Web
I received a loan from this lender on XX/XX/2021 for XXXX at a yearly interest rate of 773.47 %. I needed the loan to pay an urgent utility bill because my bank had held a check longer than expected. I intended to pay this loan back as soon as possible to avoid paying {$1500.00} over the full life of the loan. However, I am unable to contact this company to do this. I have sent two emails to the email address on their website and on the loan contract, XXXX, on XX/XX/2021 and XX/XX/2021 and both have come back as undeliverable. I have called both numbers on their website and on the loan contract, XXXX and XXXX, during the hours listed and I can not get through to a person. I have not received statements and there is no online account available to manage the loan. I have no idea what my payoff amount is and I have no way to make the payment.
08/05/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 94085	Web
I have gotten a loan with high interest rates, but they had told me I could pay it off in a week or month if i wanted, but they are refusing to take my calls, and their online website doesn't actually let you log in to an account to pay anything off. They won't give me information on my loan and by not responding to my attempts to pay off the loan to avoid interest rates, I'm being locked into a 777 % interest rate for a year and I can not financially afford this. I have been attempting to reach out to them to pay this off but they are using deceptive tactics to avoid this. The last phone call I had with them, I had asked them if I can pay off the loan, they replied to that with " sorry I can't hear you, and if I don't get a response, I am permitted to hang up '' and then my number seemed to have been blocked after that call.
02/24/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	IL 60827	Web
The company is : West Side Lending, LLC XXXX XXXX XXXX XXXX, WI XXXX Phone : XXXX westsidelend.com XXXX XXXX XXXX XXXX, WI XXXX ( Toll Free : XXXX ) ( Finance : XXXX ) ( Tribal Dispute : XXXX ) ( Fax : XXXX ) Loan # : XXXX Agreement Date : XXXX Effective Date : XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX Street City : XXXX State : IL, Zip : XXXX Phone : XXXX Email Address : XXXX Annual Percentage Rate : 772.19 % Finance Charged : {$2600.00} Amount Finance : {$400.00} Total of payments {$3000.00} I have made 10 payments of {$59.00} And ONE payment of {$25.00} ALL ON TIME NEVER LATE!!! THEY REFUSE TO CLOSE OUT THE ACCOUNT. SAYING I OWE UNTIL XXXX After they specifically said if I borrow XXXX. I would pay back XXXX. So far I paid XXXX for a XXXX Loan!!! Please HELP ME THIS SCAM IS DRAINING MY BANK ACCOUNT FAST.
12/04/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	SC 296XX	Web
The company sent a Loan agreement to be signed and I was told a different payment option could be selected. I was not able to select different payment options. Additionally, I have not been provided a payment schedule and the amount they stated in the call that would be due is significantly lower than they amount they are deducting from my account. I have attempted to contact them several times to request a payment scheduled complete with amounts to be deducted and have been unsuccessful. I also attempted to request a payoff on the loan and was told I would have to contact the company for that information. I wanted it in writing and was not provided this. I believe they are participating in predatory lending and not I. Compliance with the Fair Debt Collections Act.
03/19/2021	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OH 44108	Web
Due to unforeseen circumstances, I was behind in my loan of {$1200.00} that I received with West side Lending back in XXXX of XXXX. They reached out to me XX/XX/XXXX to make payments, I agreed initially ( Keep in mind, they never sent an agreement contract via emailno nothing! ) just word of mouth asking if Id start making payments of {$100.00} a week. But Im genuinely struggling!! So they werent successful that following week to pull a payment out of my account because I had other bills and whatnot coming out of my account. So as of today XX/XX/XXXX ... I check my account to se e that they pulled an UNAUTHORIZED random payment out of my XXXX account!!! Im extremely XXXX!!! And I want my money back in my account!!! ASAP!!!!
09/21/2021	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	MD 20721	Web
This is the second complaint I am issuing for the same company for the same reason ( Previous Complaint ID XXXX - attached ). The response submitted indicated the following : " We have also moved Ms. XXXX XXXX XXXX account to our safe queue and added her phone number to our Do Not Call list, and she has been opted out of further email communications. '' I still receive collection calls from WestSide Lending. Today, XX/XX/2021, I answered and reminded the company I sent a cease and desist letter. The representative claimed they never received the letter and accused me of lying. I confirmed the email address I used was correct and resent the letter via email this morning ( backup attached ).
12/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70056	Web
Hello, I am writing to investigate an email I received from a company called XXXX XXXX, stating that they denied my request I made for a loan with them, but I have never applied for a loan with this company ever. They also had an old address on the email that I had 11 years ago in Washington state. Is this a scam or has my credit report been accessed by this company without my consent? Please let me know if this company has really accessed my credit report. The company 's name is : XXXX XXXX, and they are based in XXXX, Wisconsin. I tried to call the number provided to inquire about this, but there was a strange recording that came on and I could not leave a message.
04/01/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	TX 77056	Web
I established a loan with West Side Lending XX/XX/2021 for {$200.00}. It was a payday loan. Their website offers a " Member '' selection option to login, make a payment, sign your agreement. However none of the options are working and haven't worked from the time the loan was approved. I was never sent the loan agreement or payment schedule and have no visibility into the status of my repayment. Their communication is lacking in that the phone number is not working and they are slow in responding to email communications. I believe I've repaid my loan in full but they are still withdrawing money from my account.
03/12/2021	No	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	TX 752XX	Web
Company sent me loan docs to sign. Saying loan was approved. Signed and called them back just to find out the docs they sent me was not legitimate. Apparently they have to wait for approval? Told the guy on the phone that what he did was illegal/fraud, and he needs to cancel everything right now. He proceeded to give an explanation. Scam company. I am changing my bank account information right now. I am letting y'all know about this company that is sending false loan docs, lying to people. Westside XXXX needs to close up shop.
04/20/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	OH 43235	Web
XX/XX/2022 I was approved for the loan of {$1400.00}. The interest rate is 740.62 % and as I pay, the loan amount continues to increase and is now totaling over {$3000.00} regardless of payments I have made. I am charged every pay day for this loan. When a missed payment occurs, they threaten to contact my employer for wage garnishment. I have XXXX small children that this is greatly effecting. I have contacted the company multiple times to see how to decrease the loan-and there are no options.
10/01/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Money was taken from your bank account on the wrong day or for the wrong amount	IL 60008	Web
West side lending a website lists an email for customer support that is not a valid email. They have a live chat option however no one responds to your chat. I have contacted this companys phone number numerous of times over the past 9 days at 2 different phone numbers listed on their website and each time I call I am unable to speak with a representative and have to leave a message. Today is day 10 and I am still unable to contact this company regarding postponing a payment.
05/09/2021	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	AZ 85711	Web
I have gotten repeated calls from 2 different numbers starting with XXXX. They have called me at XXXX XXXX. They have called me multiple times a day. Once they called right back after I denied the call at XXXX XXXX on XX/XX/21. They have called me on the weekends. Today, XX/XX/21, they called me at XXXX XXXX and it is Sunday! Here are the numbers that they have called from XXXX XXXX I also have a voicemail with them yelling in the background about something.
09/14/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	TX 75766	Web
Eastline Lending contacted my employer in XX/XX/2022 and sent a wage garnishment for an apparent debt. I contacted this company and was informed it was a mistake and I had no debt with them. Now another company... XXXX XXXX contacted my employer in XX/XX/2022 for Eastline Lending trying to garnish my wages again. My employer has already asked them to cease and decist again. I have also contacted them and nothing can be found.
02/25/2021	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	MD 20721	Web
Fell behind on payments in XX/XX/XXXX. Sent a " Cease and Desist '' email to West Side Lending on XX/XX/XXXX revoking ACH debit authorizations and stopping all phone calls. ACH debits stopped. I received calls from West Side Lending on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The rep acknowledged that they received the Cease and Desist email but wanted to keep talking to me " since [ she ] had me on the line. ''
01/18/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	IN 46804	Web
I never asked or received a loan from this company. They sent a wage assignment document to my workplace stating that they want to garnish my wages. Theres been no court case filed against me that XXXX aware of and they can not take my wages even if I dont dispute the validity of this loan. Please tell them to stop these illegal attempts to take money out of my wages or embarrass me through my workplace in the future.
04/06/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NV 89149	Web
I took out a loan with this company and decided to consolidate it and worked with a company called XXXX XXXX XXXX. XXXX XXXX XXXX sent out cease and desist letters and negotiated on my behalf. Yet, this company is still contacting me and threatening to garnish my wages. I will include attachments that show that I paid the entire program with XXXX XXXX XXXX and I should not owe West Side Lending anything.
02/13/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	MI 48227	Web
A form was faxed to a doctor office in the same building I work stating I owe for a loan I never applied for. The the has everything wrong except my name and job. A email listed job phone number and fax. My bank account was compromise a few ago when my purse was stolen so I closed the account and had to replace all my belongings that was in there. I did the company I was a victim of identity theft.
02/04/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	NV 89117	Web
I didn't get any information about garnishments before sending a letter to my prior employer for garnishment. I thought that the court handles garnishment and there is a third party XXXX XXXX in AZ that inform the prior employer company to garnish the wages. I've tried to call them to make a payment plan but decline to talk to me they rather deal with employer that I don't work for
05/14/2021	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MO 63301	Web
On XX/XX/ I agreed to a loan for {$900.00}. When I go back to look at the loan I noticed now the loan is saying multiple advance for {$1800.00}. I only received {$900.00}. The loan also states its from XXXX to XXXX. Intetest rate of 777.82 %. The finance charge is {$6000.00} the total if paid the length of loan is {$6900.00} and that's paying XXXX weekly until loan is paid.
10/25/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	KS 661XX	Web
On XX/XX/2022, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to West Side Lending. However, West Side Lending continues to debit my account. The most recent attempt was an ACH transaction. The date was XX/XX/2022 for the amount of {$640.00}. More than 60 days after I requested that West Side Lending stops debiting my account.
10/26/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	NV 89101	Web
On XX/XX/2022, I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to West Side Lending. However, West Side Lending continues to debit my account. The most recent attempt was an ACH transaction. The date was XX/XX/2022, for the amount of {$200.00}. More than 60 days after, I requested that West Side Lending stops debiting my account.
09/22/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	OH 44306	Web
I was speaking to a loan agent while on my break at work and they had to contact an agency to make sure they could finalize the loan and I told them to call me back so I could give them confirmation that I still wanted the loan. I was unable to answer the phone due to being at work and they went ahead and finalize the loan without my consent.
01/10/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	OH 430XX	Web
I applied for the loan, only needed {$200.00} but was given {$870.00}, there's no where to pay online, the email on their site does not work nor does their messaging service. I just want to pay back the {$870.00} as I don't need it anymore. If I want to the email I received says I have to pay the full {$15000.00} with finance charges.
10/31/2022	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	CA 934XX	Web
I did not receive the loan. Instead I am reporting this company as an Employer receiving fraudulent garnishment orders. My company continues to receive fraudulent garnishment orders from this company despite repeating requests that they do not as they do not have legal authority to compel a wage garnishment without a court order.
05/26/2021	No	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 91762	Web
filled out my information for a loan to consolidate my bills. received loan agreement to sign via e-sign. upon review they are trying to charge {$2300.00} on {$350.00} loan. that an apr of 700 %. if i hadnt been diligent about reading the loan documents i probably would be getting wallet XXXX right now.
11/10/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	MI 48146	Web
I applied for a loan with West Side Lending in XXXX or XXXX of this year. The payments are not what they said they would be. I contacted someone online to see about setting up a payment arrangement and to get the balance. They always say it changes everyday. And still to this day don't know what I owe
08/16/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 76105	Web
Asked customer service about log in portal to pay off loan and they claim they dont have a login or member log in to tell me how much I owe on {$600.00} loan also they are taking {$170.00} out of my count every paycheck until 2022. Company cant and wont provide details regarding my person information.
09/20/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OH 443XX	Web
I have emailed them to tell them that to close my bank account after they threatened to take out wages from my paycheck. Today 's date XX/XX/2021. They dont have a court order.
04/15/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 96080	Web
I agreed to a loan amount of XXXX $ on XX/XX/22. I did not realize the finance charge of XXXX $ I have made 4 payments of in the total XXXX as of XX/XX/22.
02/16/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	OR 973XX	Web
I had my wallet stolen and my identity was stolen. He has opened a number of loans and I am just trying to get it off my credit
02/04/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 92618	Web
Ive paid more than what I borrowed and want this loan to be closed and paid in full
03/27/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TN 37920	Web

03/01/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	MI 48227	Web

09/01/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OH 44281	Web

07/11/2022	Yes	Mortgage Conventional home mortgage	Trouble during payment process	WA 98033	Web Referral

06/02/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 95240	Web

05/27/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	NH 03303	Web

04/22/2022	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	MI 48051	Web

04/07/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	WA 99212	Postal mail

01/21/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	NH 03103	Web

12/10/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	FL 33137	Web

11/30/2021	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	SC 29681	Web

10/24/2021	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 32211	Web

10/20/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	FL 32937	Web	Servicemember

09/09/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TN 37122	Web

05/10/2021	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	IL 60827	Web

04/14/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 333XX	Web

02/19/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	OH 45342	Web