East Side Lenders - How to Proceed

I applied online for a loan from this company. The site never asked me what amount I needed. As SOON as I clicked 'Submit', and agent called me on the phone to 'complete the application.' I was reading the agreement as I was on the phone with her. When she got to the point where she asked for references, it was at the same time that I saw how high the fees were. I placed her on hold and did not pick back up. After reading the document that I'd signed (even though there's bolded text saying that your signature does not commit you to the loan), I IMMEDIATELY sent an email to them saying "Do not deposit any money into my account."

They called several times after that. I did not answer. I received an email telling me to complete my "loan documents." I took no action. A couple hours later, I received an email that my loan had been funded. That was followed by an email with my "loan documents" (which had my signature on them) and a promissory note for Lowondo financial.

Here's one of the kickers: The initial screen with the "agreement' that I DID sign was materially different than the final loan documents that they sent me. So how did my signature end up on a different document?

The reason I KNOW that the docs are different is because the initial screen with the "agreement" did NOT include the language that instructs you on how to opt out of arbitration. The final document that I absolutely did not sign DOES include that language.

So, I have sent my arbitration opt-out to them via First Class Mail and UPS Next Day (I have the delivery receipt).

What should I do? The money was deposited into my account. I am in Missouri.