Lending Club Charged $768.78 on a 15 day loan San Francisco, CA California

I completed an application online.  Unbeknownst to me when completing the application process, I was required to sign all the truth in lending documents prior to the loan approval.  When I got to the loan finance changes and APR after completing the loan, I decided the rate was too high.  The application was approved and the funds placed in my bank account on 5/16.  I received no e-mails (e-mails went to junk file, congratulating me on the loan) and no phone calls about the loan and the funds being placed in my account.  Upon notice of this fact, I called after going to Wells Fargo Bank, whom the bank showed the funds came from.  Wells Fargo traced the funds to Web Bank who traced the funds to Lending Club.  When speaking with lending club, they informed the 3 day cancellation was off; but they never made direct contact.

The problem with this process is:  1.  When filing for the loan prior to know the % rate, all documents were considered signed with the application process. 2. contact for the loan was not confirmed by myself, as the e-mails sent were not responded to as I did not receive them; even though they informed to contact them.  3.  The funds remained intact in my account as again I was unaware they had been transfered and from whom.  

The loan amount was $14,000.  The amount deposited in my bank was $13,300.00 The origination fee was $700 and the taxes on the loan was 68.78.  Therefore the payout on the loan was 14,768.78, which I will pay on 5/31/18.  

Do not use this company.