Payday loan, title loan, personal loan, or advance loan -- Can't contact lender or servicer -- Complaint #18663223
Complaint Overview
Complaint ID: 18663223
Company: Benht: Economic Development Corporation
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Payday loan
Issue: Can't contact lender or servicer
State: Florida
ZIP Code: 33901
Date Received: 2025-12-03T12:00:00-05:00
Date Sent to Company: 2026-01-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX regarding a payday-style loan with predatory repayment terms, refusal to provide documentation, and inability to access my online account. I borrowed approximately {$700.00} ( later stated as {$690.00} principal ). I have paid around {$800.00} through XXXX debits from my XXXX XXXX XXXXXXXX XXXX account. On XX/XX/year>, a representative told me that : If I followed their XXXX repayment schedule, my total repayment would be approximately {$4000.00}. Most of my payments so far have gone toward interest, not principal. When I requested a copy of my loan agreement, TILA disclosures, APR, and payment ledger, the representative said they could not email it and instructed me to access it through their website. However, despite repeated attempts, password reset emails to my verified email address never arrive. I confirmed with the representative that my email was correct. When I informed her that no reset emails were arriving, she hung up on me. As of today, I still have : No loan agreement No TILA disclosures No APR or fee schedule No payment history No access to my online account The repayment structure appears predatory and excessive, and the inability to obtain documentation prevents me from understanding or verifying the debt. I have now : Revoked ACH authorization Prepared to close the affected bank account Requested documentation in writing Begun regulatory escalation I am requesting that the CFPB : 1. Investigate XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Require them to provide my loan agreement and TILA disclosures 3. Provide a payment ledger and proof of how a {$700.00} loan becomes a {$4000.00} repayment 4. Stop unauthorized ACH activity 5. Ensure no adverse action is taken during the dispute I am attaching screenshots and documentation of failed password resets, ACH payments, and call logs.
Frequently Asked Questions
What is Complaint #18663223 about?
Complaint #18663223 was filed against Benht: Economic Development Corporation regarding Payday loan, title loan, personal loan, or advance loan specifically about Can't contact lender or servicer. It was received by the CFPB on 2025-12-03T12:00:00-05:00.
How did Benht: Economic Development Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Payday loan, title loan, personal loan, or advance loan) and describe your issue in detail.
Can I see other complaints against Benht: Economic Development Corporation?
Yes, visit the Benht: Economic Development Corporation company profile at readthecomplaint.com/company/benht-economic-development-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.