Consumer complaint received 2022-03-02
Company: CURO Intermediate Holdings
State: AR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have previously requested more information about the debt specified- more specifically debt validation.. The company keep sending the same information over and over. The debt collectors failed doing the following : Collector failed to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ). Collector failed to provide a valid basis for the debt, such as the original contract/agreement, promissory note between Consumer and original creditor, bearing Consumer wet-ink signature. 3 ) Collector failed to provide proof when the original creditor claims this debt became due and when it became delinquent. ) Collector failed to provide a valid basis for the debt, such as the original contract/agreement, promissory note between Consumer and Collector, bearing Consumer wet-ink signature. 5 ) Collector failed to provide a copy of the last billing statement sent to Consumer by the original creditor. ) Collector failed to provide late payment notice and/or account closing notice provided by the original creditor ) Collector failed to provide Bill/Summary of Consumer Rights. ) Collector failed to provide me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above-alleged account. ) Collector failed to provide me a verified certificate of authority, and/or proof that your company are licensed to collect in my State. ) Collector failed to provide general ledger statement showing the full accounting of the alleged obligation you are attempting to collect, accompanied by a commercial affidavit by the original custodian of the books and records. ) Collector failed to provide the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as FR 2046 balance sheet ( OMB # 's 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S, and RC-B call schedules. ) Collector failed to provide verification and/or copy of any judgment if applicable. ) Collector failed to provide proof of any interest, fees or other charges expressly authorized by the agreement. ) Collector failed to provide a certified copy of all Public Hazard Bond ( XXXX ) and Liability Insurance Policy ( XXXX ) and accounting demonstrating the financial capability of Collector. ) Collector failed to provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector. XXXX ) Collector failed to provide a Statute of Limitations expressly authorized by the agreement. Thus, Collector cant validate Statute of Limitations debt starting and expiration date. XXXX ) Finally, the Collector failed to provide an affidavit signed under Penalty of Perjury that Collector or any agent ( XXXX ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act. 


This is currently showing on my credit reports with account number XXXX. This company is also not legally authorized to collect debt in my state of residence Arkansas.

Company response to consumer: Closed with explanation