Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/17/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had a loan which I paid in full. The next week they withdrew 3 of my weekly payments on one day and I have called them 3 times to get my money refunded and they keep saying that they need 24 hours. I have also repeatedly asked them for a document stating that it is paid off and they are refusing to provide that to me.

  Business Response

  Date: 04/23/2025

  **** Lending JEM DBA Explore Credit (Company) has completed its review of Aymen Ouerfellis concerns. Customer satisfaction is our top priority, and we want each customer to know how much we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond to you regarding Aymen Ouerfellis concerns. Be advised, nothing in this communication should be construed as a waiver of the Tribes or the Companys sovereign immunity, all of which are expressly preserved.
  Regarding Aymen Ouerfellis concerns about repaying the loan in full and then having additional payments withdrawn,***** ********* did attempt to settle the account with the Company. The settlement payment was to be paid via a debit card, which when we attempted to charge the card was unsuccessful.  The system then processed that payment via an ACH, which was successful, however due the initial payment not being successful, the account did not update a settlement.
  Due to the system not being updated to a settled status, the regularly scheduled payments processed in error.  The Company has since updated the account to reflect paid off as settled, and initiated the refund to ***** ********* in the about of $246.75 on April 18, 2025.
  ***** ********* can contact the Company at ************** or via email at ********************************** should he have any additional concerns.
  
  Sincerely,
  Compliance Department

• Initial Complaint

  Date:04/14/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have received threatening texts, email and phone calls from this business. I replied to their email on April 1 asking me for the $1,000 to settle this account. I never received another email in reply. I received a threatening text today threatening to pursue legal action if I don't comply. I am in the middle of a cross country move and will not be able to make any payments until July. I am asking for this company to work with me as the phone people are money hungry and will not work with me.

  Business Response

  Date: 04/17/2025

  **** Lending JEM DBA Explore Credit (Company) has completed its review of ********* ******* concerns. Customer satisfaction is our top priority, and we want each customer to know how much we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond to you regarding Ms. ****** concerns. Be advised, nothing in this communication should be construed as a waiver of the Tribes or the Companys sovereign immunity, all of which are expressly preserved.
  Regarding Ms. ****** concerns about the treatment she received regarding her outstanding loan with us, Ms. ****** received a loan from us in March 2022. In August 2022 Ms. ****** replied stopto a text message, and all communication from the Company stopped at that point until April 1, 2025, when we emailed her a settlement offer for $1000. This offer was declined by Ms. ****** as she was seeking a lesser settlement amount.The next day we proposed a different settlement amount was sent, and no response was received until April 14. At that time the $1000 was agreed to,broken up into $20 monthly payments until ******************** adamantly denies threatening any type of legal action against Ms. ************** ****** can contact the Company at ************** or via email at ********************************** should he have any additional concerns, or if she wishes to pay the account off prior to the original date scheduled.
  
  Sincerely,
  Compliance Department

• Initial Complaint

  Date:04/02/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hi I got a loan through explore credit I believe it was last year and they told me I was denied but out of no where they decided to put the money in my account now I'm stuck . My loan was ****************************************** even halfway down but now they have my loan up to ****** and that's impossible when I have been paying on time . I want far away from this company .

  Business Response

  Date: 04/10/2025

  April 10, 2025
  ********* ****** Complaint
  23153337
   
  RE: ********* Bruon
   
  WLCC Lending JEM DBA Explore Credit (Company) has completed its review of ********* ******* concerns. Customer satisfaction is our top priority, and we want each customer to know how much we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond to you regarding Ms. ****** concerns. Be advised, nothing in this communication should be construed as a waiver of the Tribes or the Companys sovereign immunity, all of which are expressly preserved. 
  Regarding Ms. ******* concerns about being denied for the loan and then having funds deposited into her account, on Nov. 12, 2024 Ms. ****** completed the loan application and was approved for the loan, which was deposited the next day into the checking account provided in the application.
  The loan application states that interest is accrued daily, and In December, Ms. ****** requested to skip a payment, which was honored by the Company. All loans can be repaid early to avoid additional interest being added to the account, without any penalty.
  The Company is willing to assist Ms. ****** by offering a lower payment arrangement or by settling the account; however, the Company would need to speak to Ms. ****** to make those arrangements.
  Ms. ****** can contact the Company at ************** or via email at ********************************** (mailto:**********************************) should he have any additional concerns, or to discuss repayment of the account.
  
   
  Sincerely,
  Compliance Department

• Initial Complaint

  Date:03/25/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  According to my records with Explore Credit, I received funding for $2000 around 6/9/22. According to my records, I payed a total amount of $1248.98 on 8/19/25 and 9/16/25. I cannot find the bank statement but I do have copies of the email sent from Explore to confirm such transaction. Over the past years, I became ill and was not able to fulfill a full years work, my health took precedence leaving me to delay payment. Around last year, I became to communicate with them in finding a lump sum to close the account. At the time, my account was totaling $6800 and was going to close it but I would get a different offer every time from different reps. ****** did I know that I had made those mentioned payments, I was going to offer them $2800. I currently looked at my account and the balance lies at $15,605. A $2000 loan in which I payed $2500 continues to have a balance of $15,600. How can this be allowed by state and federal laws? I did business with ****** for $1000 and it has remained the same considering it was taken about the same time. I would like Explorer account to reach out to me by a supervisor or higher level person to settle this account. I would like for them to consider my original proposal. A 100+ ROI should suffice. The stated amount has been fraudulently breached. This account should have been closed and charged off.

  Business Response

  Date: 04/02/2025

  April 2, 2025
  ********* ***** Complaint
  23115077
  
  RE:        ********* Perez                            
  
  WLCC Lending JEM DBA Explore Credit (Company) has completed its review of ********* ****** concerns. Customer satisfaction is our top priority, and we want each customer to know how much we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond to you regarding Mr. ****** concerns. Be advised,nothing in this communication should be construed as a waiver of the Tribes or the Companys sovereign immunity, all of which are expressly preserved.
  

  Regarding Mr. ****** concerns about the balance of the account, as per Mr. ****** complaint, he unfortunately was unable to make the agreed upon payments.  When that occurs,interest does continue to accumulate as well as fees for not making the payments. The Company is willing to settle with Mr. ***** and are attempting to communicate with him directly to arrange a settlement. Mr. ****** can contact the Company at ************** or via email at ********************************** should he have any additional concerns, or to discuss settling his account.
  
  Sincerely,
  Compliance Department

  
  

• Initial Complaint

  Date:03/16/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The minute I signed the loan papers the blocked me from logging into my account to check the status of my funds because I still have yet to recieve them. I tried calling n the number as well. Go figure. It isnt a working number. Think I have totally been scammed. Ive contacted my bank an let them know all of this. The better not try to take a dime from me when they have not given me any money at all. NONE. Cant log in to my account so therefore I can get my account number. Never once sent me an email. They just sent text. Which by far screams scam/fraudulent an I should have took that sign to run.

  Business Response

  Date: 03/21/2025

  **** Lending JEM DBA Explore Credit (Company) has completed its review of ***** ******* concerns. Customer satisfaction is our top priority, and we want each customer to know how much we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond to you regarding Ms. ******* concerns. Be advised, nothing in this communication should be construed as a waiver of the Tribes or the Companys sovereign immunity, all of which are expressly preserved. 
  Regarding Ms. ******* concerns about applying for a loan with the Company and not having money deposited, the Company is in receipt of two applications from Ms. ******* The first application was submitted in February ********************************************* *******  The second application was signed March 14, 2025, and this application was declined and an email was sent to Ms. ****** on March 15, 2025 indicating such.
  There have been no funds deposited into Ms. ******* account since the application was declined, and since no account exists, no payments will be withdrawn from Ms. ******* checking account.
  Ms. ****** can contact the Company at ************** or via email at ********************************** should she have any additional concerns.
  
  Sincerely,
  Compliance Department
  
  

• Initial Complaint

  Date:03/14/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  EXPLORE CREDIT CONTINUES TO HARASS ME BY TEXT DEMANDING ****** THEM A LOAN I NEVER SIGNED FOR. I REQUESTED DOCUMENTATION IN THE PAST AND NEVER GOT A RESPONSE I AM A SENIOR CITIZEN WITH MULTIPLE SERIOUS MEDICAL PROBLEMS I WANT THEM TO CEASE AND DESIST IMMEDIATELY THE FREQUENCY OF TEXTS I AM GETTING FROM THEM HAS INCREASED IN THE PAST WEEK I DO NOT OWE THEM AND I AM TIRED OF THIS COMPANIES ATTEMPT TO TRY TO DEFRAUD A SENIOR CITIZEN I AM A MASTERS PREPARED GERIATRIC SOCIAL WORKER OUT OF *********** ALSO A BS IN NURSING I HAVE NO ABSOLUTELY NO DEMENTIA OR LOSS OF ANY OF MY MENTAL FUNCTIONS WHAT THEY ARE ATTEMPTING TO DO IS STEAL AND THAT CARRIES SEVERE CRIMINAL AND CIVIL PENALTIES ESPECIALLY WHEN IT INVOLVES THE SPECIAL CLASS OF CITIZENS KNOWN AS ELDERS IT IS CALLED FIDUCIARY ABUSE

  Business Response

  Date: 03/24/2025

  **** Lending JEM DBA Explore Credit (Company) has completed its review of ******* Lindners concerns. Customer satisfaction is our top priority, and we want each customer to know how much we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond to you regarding Ms. ******* s concerns. Be advised, nothing in this communication should be construed as a waiver of the Tribes or the Companys sovereign immunity, all of which are expressly preserved. 
  Regarding Ms. ******* s concerns about receiving texts from the Company for a loan that she never took out, the loan was funded to Ms. ******* in February 2022.  All payments regarding the loan have been returned to the Company by ********************************* has marked the account to cease all communication with Ms. ******** including text messages, emails, and telephone calls.  
  Ms. ******* can contact the Company at ************** or via email at ********************************** should she have any additional concerns.
  
  Sincerely,
  Compliance Department
  
  

• Initial Complaint

  Date:02/25/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I applied for a line of credit with Explore Credit *****, someone from ************* tried to go into my checking account and take ****** on Thanksgiving, so I had to get a new checking account. I told **********************, they told me to send both my checking account information into them, and I did. I explained to them I have a new checking account and why. They tried to take funds from my old checking account and for the life of me I didn't understand because I explained everything to them in the beginning, but then the turned around and withdrew the funds from my new checking account and tried to take an additional ***** because they said I was late on a payment when they automatically take the funds out of my account. I refused to pay the ***** because I wasn't late, they made the mistake and I refuse to be held accountable for their mistake. I have been harassed with text messages saying my account is closed, I should pay my bills, and all kinds of rude things. I just received a text message yesterday about payment, I texted back letting them know my payments are taken out automatically, then they text back apologizing, then I received another text message today about payment, so I'm being harassed by this company, and I want to seek a lawyer, so I can take legal action!!!! I'm tired, my nerves are bad, my anxiety is high, I'm being bullied, I can't think straight, and I don't deserve this kind of treatment!!!

  Business Response

  Date: 03/04/2025

  **** Lending JEM DBA Explore Credit (Company) has completed its review of ******** ********* concerns. Customer satisfaction is our top priority, and we want each customer to know how much we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond to you regarding Ms. ********* concerns. Be advised, nothing in this communication should be construed as a waiver of the Tribes or the Companys sovereign immunity, all of which are expressly preserved. 
  Regarding Ms. ********* concerns about payments being withdrawn from the wrong account, there was confusion regarding the timing of providing the updated checking account information and the date the payments entered the banking process. To resolve this issue, the Company is waiving any late fees associated with these payments.  Additionally, the remaining payments are scheduled to process through the bank account ending 3891.
  Ms. ******** can contact the Company at ************** or via email at ********************************** should he have any additional concerns.
  
  Sincerely,
  Compliance Department
  
  

• Initial Complaint

  Date:02/22/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I pulled my 401k in July so I had 40 k in my account my bank wasn't set up to let me know transactions. it is now february and my bank lets me know transactions. I had money pulled out a little over 200 dollars didn't know what for. I had to track it down through bank and found out it is this explore credit. I have never done business with this place or applied a loan through this place nothing with this business. I contacted them and they say I did I have been paying over 400 a month since July for a loan I didnt take and then when I contact them they took another 500 to pay off loan I didnt take they will not correct it. I contacted them and argued and they will not do anything. I tried to get info for owner of company and they will not give me a number for any one to contact. I spoke with ******* **** who is supposed to be the boss I guess. and she will not give me any one to contact that can help. this place is a fraud and took over 4500 dollars from me on a loan I did not take. why would I take a loan when I have 40 k in my account and pay over 4 k in interest when I had money. I wouldn't. this company needs shut down sounds like there is a lot of fraud with this company and nothing is getting done. you can't even leave a review on there website to warn others. all I want is refunded my money back for a loan I didn't take. I wish I would of caught all these transactions sooner to fix it sooner. but now that I have caught it and found out what is going on i'm super angry they have taken so much from me for something I never applied for. I don't know how they got my info. or how any of this has happened. I hope you can do something to get this business to correct there bad transactions. it's scary that a company can do all of this and get away with it. I agree with what others are saying this company is criminal and fraudulent. please make them stop and prevent them from doing this to others.

  Business Response

  Date: 02/27/2025

  **** Lending JEM DBA Explore Credit (Company) has completed its review of **** ***** concerns. Customer satisfaction is our top priority, and we want each customer to know how much we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond to you regarding Mr. ***** concerns. Be advised, nothing in this communication should be construed as a waiver of the Tribes or the Companys sovereign immunity, all of which are expressly preserved. 
  Regarding Mr. ***** concerns about not applying for the loan and having payments withdrawn from his checking account, the Company was in receipt of a loan application which was approved for funding in July 2024.  As part of the loan agreement, payments were automatically withdrawn from the account provided in the application.  
  In February 2025, Mr. **** contacted us regarding the account and the representative provided the details of the loan and offered a settlement of $500 to close the account. Mr. **** agreed to the settlement and the payment was processed.  The account currently is closed as Paid of Settlement. 
  Regarding the funding of the loan and the payments, the loan was funded to the same bank account the payments were withdrawn from.  *************** wish to continue disputing the account, the Company would need bank from June and July 2024, to further investigate this matter.
  Mr. **** can contact the Company at ************** or via email at ********************************** should he have any additional concerns.
  
  Sincerely,
  Compliance Department
  
  

  Customer Answer

  Date: 03/05/2025

   
  Complaint: 22977328
  
  I am rejecting this response because: I did not apply for the loan. I understand it's all my information but i did not apply for it. So i paid for something i didn't apply for. i have looked for loans in past but have used maxlend or river valley. Never did i use you guys. I don't know if doing loans through them you got my info. Used my info for a loan so you can profit off somebody.  This was 100 % scammed I have lost so much money to you guys. Reading reviews i'm not the only one this has happened to. I should atleast be compensated for all the interest etc. keep your loan ammount i supposedly took and give me the rest of my money back atleast 2/3 of it if anything. You used my info did a loan and then charged me when i NEVER applied for a loan through you. I tried to contact you and you wouldn't even let me talk to some one higher then ******* to fix this. That proves to me that there is scandalous stuff going on. 
  
  Sincerely,
  
  **** ****

  Business Response

  Date: 03/17/2025

  **** Lending JEM DBA Explore Credit (Company) has completed its review of **** ***** concerns. Customer satisfaction is our top priority, and we want each customer to know how much we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond to you regarding Mr. ***** concerns. Be advised, nothing in this communication should be construed as a waiver of the Tribes or the Companys sovereign immunity, all of which are expressly preserved. 
  Regarding Mr. ***** concerns about not applying for the loan, our initial response is still our position regarding the loan.  The loan was funded to a bank account, and in accordance with the loan agreement the authorized payments were withdrawn from the same bank account.
  To close this complaint, the Company is closing the account and will not attempt any additional payments or communications with ************************ states that he normally gets his loans from MaxLend and *************  Neither of these lenders are affiliated with the Company.
  Mr. **** can contact the Company at ************** or via email at ********************************** should he have any additional concerns.
  
  Sincerely,
  Compliance Department
  
  

• Initial Complaint

  Date:02/21/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On 21 February 2025, withdrawals of $168.20 and $56.20 were deducted from my checking account. I have not authorized any transactions nor received any funds or loan amounts from this company. I have received numerous emails regarding preauthorization and need to complete signature/authority of amount(s) available. This was during a research of available loan companies and rates available to me. At no point did I authorize Explore Credit to deposit nor deduct funds. Attempted calls to customer service were fruitless as the number listed is invalid. I am requesting a full refund and an additional $68 for overdraft fees incurred.

  Business Response

  Date: 03/04/2025

  **** Lending JEM DBA Explore Credit (Company) has completed its review of ***** ****** concerns. Customer satisfaction is our top priority, and we want each customer to know how much we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond to you regarding Mr. ****** concerns. Be advised, nothing in this communication should be construed as a waiver of the Tribes or the Companys sovereign immunity, all of which are expressly preserved. 
  Regarding Mr. ****** concerns about having payments withdrawn from his checking account that were not authorized, the Company is in receipt of a signed loan application which was approved by Mr. ***** that was approved for funding.  The loan application was funded on Jan. 21, 2025, for $900.  Mr. ***** did contact us the following day to cancel the loan, and per that request the Company attempted to withdraw the proceeds from the loan at no cost to Mr. ****** The withdrawal of the funds was made in two payments, one for $675 and one for $275.  The $675 return of the loan proceeds was returned.
  Since the loan was not returned, the payments authorized in the loan agreement were then initiated to repay the loan, however that payment too was returned. We are willing to work with Mr. ***** regarding the $675 that is still outstanding.
  Mr. ***** can contact the Company at ************** or via email at ********************************** should he have any additional concerns and to make arrangements to return the remaining balance of the account.
  
  Sincerely,
  Compliance Department
  
  

• Initial Complaint

  Date:02/21/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I took out a loan for $500, but due to some unforeseeable circumstances, I've been unable to pay them back with the payment that Explire Credit wanted me to pay. I tried working with a negotiating company to get my bills on track, without the results I come to expect, so I decided to save the money and pay one creditor off at a time so that I know things were being paid off. So my loan with Explore Credit was initially for only $500, which turned into a bill for $2365.65 as of 2.20.25, and they want to cut that in half and charge me $1000 in payments to pay it all off. I get that I borrowed money from them, but no matter what kind of a loan this is, or how stupid I was to do business with them in the first place, no company should be charging a person that kind of interest or fees. Legally, I have been making payments as they have continually hit my bank account every month for pennies on the dollar, thus they have been receiving a payment from me via my bank. Pennies are legal tender, and they have accepted those payments, sometimes taking payments out in pennies up to five times a month by placing a prepay note on the account. If I'm legally paying them, even if its pennies per month, that means they are accepting those funds. They should not be adding interest and fees to the total amount I borrowed. They are acting illegally against me by now sending my bill to collections when they have accepted my payments the entire time with them. I fail to understand the justification of so many fees and interest from them.

  Business Response

  Date: 03/04/2025

  **** Lending JEM DBA Explore Credit (Company) has completed its review of ******** ******* concerns. Customer satisfaction is our top priority, and we want each customer to know how much we value them. The Company takes these types of inquiries very seriously and appreciates the opportunity to respond to you regarding Ms. ******* concerns. Be advised, nothing in this communication should be construed as a waiver of the Tribes or the Companys sovereign immunity, all of which are expressly preserved. 
  Regarding Ms. ******* concerns about the balance of the account, Ms. ****** received a loan in April 2024, for $500, and to date has made a total of $150.00 in payments.  As per the loan agreement, the account is charged daily interest, and some of the payments have been returned by her bank, so the balance will accumulate interest and late fees.
  Regarding the account going into collections, the loan agreement established the payment dates and minimum payment amount due on those dates.  When full payments are not made, or payments are not made on time, the account moves to a collection status.  Ms. ****** has stated that she was not making full payments, so the account did move to a collection status.
  We were contacted in December 2024, and Ms. ****** stated she was currently working with ******************************. To date we have not received any communications from them; nor have we received the *** to work with Lighthouse.  The Company is willing to work directly with Ms. ****** to establish a lower payment plan or possibly to settle the remaining balance.
  Ms. ****** can contact the Company at ************** or via email at ********************************** should he have any additional concerns.
  
  Sincerely,
  Compliance Department