FSM Processing sent me a letter

Account#
Re: Your complaint
Miss ME,
We received and reviewed your correspondence regarding your complaint with the company.
While the information that you have collected may apply to companies that have physical locations in your state, it is our opinion that it does not apply to our internet business model. This is based on sound advice from our legal department.
The money was lent to you in good faith with the understanding that you would abide by the terms detailed in your loan contract. We upheld our end of the agreement by crediting the funds to your account in a timely manner. The Loan Note and Disclosure that you signed and thereby agreed to, is very detailed and clear so as not to cause any confusion to the borrower, and meets all the Truth In Lending and Reg Z requirements as prescribed by Federal statute.
Upon review of your account history, you clearly knew all of the terms and conditions of your loan as you have been approved for loans in the past.
In the interest of compromise, FSM has agreed to place your account as Paid in Full, however, there will be no refund to you from FSM. FSM also will not lend to you in the future due to the fact that the last deduction from your account was rejected as "Authorization Revoked" and you have failed to follow the terms of the loan contract.
Respectfully,
FSM Compliance Department