LightStream Customer Service Issues

I attempted to apply for a loan, but I encountered an issue with creating a user name. A message appeared stating: "We apologize for the inconvenience. Our user ID authorization system is temporarily down. Therefore, we will provide you with the user ID instead of the one you tried to create. Please keep this information safe as you will use it to Sign In to your account. If your application is approved, you can personalize your user ID later. Your password, security question, and answer are correct. Please click "Continue" after you have noted and secured the provided information."

I received approval for a loan which resulted in checks being sent to my bank. The checks were computer-generated and mistakenly considered fraudulent, causing my account to become overdrawn by $[redacted] and locked. I have been in contact with a gentleman named Max Morgan, who has stopped communicating with me. The process involved depositing the checks and then transferring funds via cash app, with an agreement to make monthly installments of $[redacted] towards the loan. I was informed that my funds would be sent via Western Union within an hour yesterday, but I have not received any further communication. I kindly request to receive the loan funds promptly.

I received a call from a man named Jason Smith indicating I was eligible for a loan. Everything seemed fine until I was referred to the Accounting Department and asked for my checking account password. I was informed my credit score was below [redacted]. They proposed depositing $3,[redacted] into my account to improve it, requesting that I send the money back to them. I declined the offer. Is this the regular procedure of your company? I am still interested in obtaining a loan. Please contact me, Don, at [redacted].

I received an email from John at Lightstream Loan Company informing me of my approval for an $8,[redacted] loan. The email included details about the interest rate, monthly payments, and the duration of the loan. They assured me there were no upfront fees required to process the loan. To proceed, they requested a copy of my driver's license. I am unsure if this email is genuine or a scam, as I have submitted multiple loan requests. I would appreciate any assistance in verifying the legitimacy of this loan approval email.