Question on Attorney General Complaint

**INSERT YOUR ADDRESS HERE**

**INSERT YOUR STATE ATTORNEY GENERALS ADDRESS HERE**

Dear Sir or Madam:

I am writing this letter regarding a service I received from SCUMBAG PDL COMPANY, an internet pay day loan provider.

My account number with SCUMBAG PDL COMPANY is #XXXXXXX, but perhaps they can also access it with my name and address, and the last 4 digits of my SS number, which is XXXX.

SCUMBAG PDL COMPANY is charging interest and fees on a short term advance that is well over the allowable XXX% in YOUR STATE, as per YOUR STATE's Usury Law. On XX/XX/XXXX, $XXX was deposited in my checking account. Every two weeks there after, $XX was debited from my account, using ACH transactions, until a total of $XXX was reached. It is then I learned that these interest rates could not legally be charged in YOUR STATE. However, despite the principle being paid back in full, plus $XXX, they insist on collecting on this, as I understand it, illegal loan.

$XXX has been sent to this company via ACH transactions.

I contacted Customer Service on XX/XX/XXXX, and explained that the service was unsatisfactory due to the exorbitant and illegal interest rates. They responded and asked if I were referring them to the Attorney General, to which I replied not unless they didn't close the account immediately, as the $XXX deposit was paid back, and the interest fees were null and void in YOUR STATE. They referred the account to a collection company in ANOTHER STATE, SCUMBAG COLLECTION AGENCY, which attempted to collect an additional $XXX to “close the account”. I responded that I considered the account closed, as over $XXX had already been paid, and that I was refusing to pay another dime. Failure to receive an appropriate response to this issue has prompted me to write to directly to you.

I would appreciate your assistance in resolving my complaint. What I would like is confirmation from this company that the account is paid in full, from SCUMBAG PDL COMPANY. The initial deposit of $XXX was made to me on XX/XX/XXXX, and $XXX payments to SCUMBAG PDL COMPANY were made on XX/XX, XX/XX, XX/XX, XX/XX, and XX/XX.

I look forward to hearing from you regarding this issue. If you have any questions, please I can be reached at the above address.