Consumer complaint received 2021-10-26
Company: CURO Intermediate Holdings
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I received an email that I owed money to Speedy Cash but I did not apply for this loan. 

I have included the email below I received. 

Speedy Cash | Banks/Credit Unions | Lending - XXXX XXXX XXXX XXXX 
Speedy Cash Payday Loan XXXX  Case # XXXX OUTSTANDING AMOUNT- {$1300.00} LOAN COMPANY/LENDER Speedy Cash Payday Loan Services . 



Case Consult : Attorney XXXX XXXX. XXXX OH. 

Contact at : XXXX  : XXXX We are hereby to inform you that you are going to be legally prosecuted in the Court House within a couple of days. 

So, before something goes wrong, we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your Payday Services. At this point, you had made your intentions clear and leave us no choice but to protect our interest in this matter. 



XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER If we do not hear back from you within 24 hours of the date of this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court costs incurred. 



Basically all the loan companies working under Speedy cash are ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX, 100 Day Loan, XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX  XXXX  XXXX, XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX XXXX  XXXX  ). 



So, it doesnt matter from which website, or from which store you have taken out this loan main lender have rights that they can file a complaint and recover outstanding balance in the courthouse. 

WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD. 



As we have shared with you in previous letters, read your loan agreement ; the next step is clearly defined. It could cost us both a great deal of time and money ; you can avoid this by taking care of this now. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step, which is A lawsuit against you, but to do so you must take immediate action. 

If you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$3600.00} and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name. 



We have a settlement amount for you with easy Biweekly and onetime settlement amount option. 



1. If you can make onetime payment of {$750.00} ( same day payment ) we can close your case file with this amount only. 

2. If you are looking for bi-weekly payment then you have to pay a total amount of {$920.00} with payment arrangement and you can pay {$150.00} bi-weekly till paid in full. 



Kindly let us know what type of payment arrangement you are looking for at mailto : XXXX Do provide us with the date on which you can pay so that we can update your account. 



Kindly let us know are you willing to resolve this matter out of the courthouse, or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out. 

Note : This is your last and final chance to settle this case. 

Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your doorstep within 4-5 working days. Kindly hire an attorney. 

Do revert us ASAP to stop all legal consequences against your Name and SSN. 



NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS. 

Kindly let us know what type of payment arrangement you are looking for atmailto : XXXX Regards, XXXX XXXX XXXX XXXX XXXX. 

Copyright 2021 XXXX  XXXX  XXXX XXXX  XXXX  | Privacy | Terms of use | XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --

Company response to consumer: Closed with explanation