need advice

is PesoLoan app is legitimate and what I should do regarding my situation.

At first, I borrowed ₱2,000 and completed the payment successfully. After that, the app offered me a ₱20,000 loan. Because the interest was too high, I decided not to accept it.However, when I checked the app later, it showed that the ₱20,000 loan had already been disbursed, even though I did not intentionally take or confirm the loan. I also found that there was no option to cancel it.

I immediately emailed their customer support to explain what happened. Their response was that I still need to pay the principal amount plus interest. They are asking me to pay ₱29,700 in total, which includes ₱9,700 in interest. I do not have enough money to pay this amount. Has anyone experienced something similar with PesoLoan? Is this legal? What steps can I take to dispute the loan if I did not knowingly accept it?