Loan company wanting me to pay for a loan I never received
Hello I’m in Alabama and I applied for a loan through a company that I’ve used a few times before. I had an old debit card account linked to the loan profile I have and they refused to let me take it off. The bank account connected to the debit card had been closed for almost a year, but they said the only thing I could do was add a new debit card for the funds to be sent to. So I did, and I chose the new debit card when applying for the loan but they sent it to the old debit card. I called them and they say if it was sent to a closed account then the funds would have been sent back but they weren’t so I needed to contact the bank. I did that and the bank said they see no transactions going to my closed account at all and that if they did the funds would have been immediately sent back. So I call the loan company yet again and they said they needed proof of my account closure so I had to go to the bank and get proof of when my account was closed etc and take it to the loan office. And I did that..and then they tell me “well this isn’t enough, there’s nothing we can do until the funds are sent back to us by your old bank. They gave me all these reference ID numbers and authorization codes etc for me to go to the bank and have them track the funds. And send me some type of receipt showing that the funds were sent to my debit card but only showed the last 4 numbers. So I go to the bank and show them this and they said the bank code and branch code on the “proof of sent funds” wasn’t even their codes and they don’t have ID numbers and authorization codes so they don’t know where the loan company got any of this. They told me I needed to get in touch with the loan company and make them give me the full old debit card number that they have on file for me so I can cross check it with my info. I did that and they’re saying they can’t see the full number on their end only the 4 last. So no one can even confirm anything. The bank says they never received the money and the loan company says it’s the banks fault and I still have to pay the loan until the funds are sent back to them and there’s nothing more they can do for me and they’re going no further to help me. My question is what do I do here legally? I don’t want to pay for funds I never received but they take auto pay out of my new bank every 2 weeks. I provided the proof that I never received the funds and they don’t care. Any advice is appreciated.