Consumer complaint received 2020-05-08
Company: CURO Intermediate Holdings
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX I took out a {$400.00} loan from Speedy Cash. I made {$98.00} payments every two weeks until XXXX when I came into the store to retrieve my balance. I spoke to one of their representatives who notified me of my balance as {$1200.00}. I asked the representative for documentation prooving this balance and showing my account activity since the loan creation. The representative refused to give me any documentation. So I left and quit paying on the loan. They submitted the loan to collections through XXXX XXXX XXXX XXXX. I was harassed by XXXX XXXX since XXXX even after asking them to stop contacting me. I mailed a formal letter, signed and dated XX/XX/XXXX requesting documentation proving this debt. By law they had 30 days to provide the requested documentation or the account should of been removed. They did not respond at all, neither Speedy Cash or XXXX XXXX. The collection account fell off of my credit in XXXX of XXXX after 7 years. In XXXX of XXXX the exact debt was added back to my credit report but the dates from the account were changed. They reported that the loan account was created in XXXX and payments stopped in XXXX. If these dates were true then the original collection wouldn't have fallen off of my report after 7 years. I disputed the information with XXXX and XXXX  in XXXX of XXXX. XXXX confirmed that the information violated the Fair Credit Reporting Act and removed the collection account from me credit report. XXXX also removed the account from my credit report. When running my credit to obtain a home loan, the account was still showing. I contacted each credit bureau who continued to tell me that the dispute had been resolved and the account was removed from my credit reports. I then contacted the collections agency, who was very rude and ended up hanging up on me. They proceeded to tell me the information was correct and that they would continue reporting this debt. I asked them if they obtained the proof and were supposed to supply that information to me. They informed me that they sent me a " contract ''. I did not receive anything from them. I have now only spoke to them twice. Once to dispute the debt and once to ask why they were still reporting an item that had been removed because it violated the Fair Credit Reporting Act. The representative told me she would transfer me to someone who could help. The line rang and rang and rang and then hung up. I then contacted XXXX and was met by another representative, just as rude, who told me the information in the dispute was verified as correct but removed from my account. I asked her if it was correct then why was it removed? She said thats what I wanted right. So I asked how XXXX came to the conclusion the data was correct. She could not provide me with an answer and refused to let me speak with a supervisor when I requested. XXXX also stated the dispute and collection account had been removed. XXXX, does not have a working number that I can call and speak to an actual representative or get any help at all. This information is incorrect. I have seen no proof proving the information is correct and have been told by the credit bureaus the information has been removed but also by the collection agency that they're going to ignore the removal and continue reporting.

Company response to consumer: Closed with explanation