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Threatened or suggested your credit would be damaged. I entered into an online payday loan agreement with tribal lender XXXX XXXX XXXX XXXX in XXXX. I was never able to access or sent loan documents after signing. After realizing this lender is not authorized to lend in my state ( IOWA ), because they do not have a physical presence here ( and because of the extreme interest rates ) ; I closed the checking account associated with the loan, sent a notice of account revocation to this lender and informed them that according to the laws of Iowa, I was under no obligation to pay this back, as they knew they were lending to me illegally and were not authorized my state. They attempted to collect for a short time, emailed me to say they would be adding a {$250.00} fee to the next auto debit ( on