Consumer complaint received 2019-08-24
Company: CURO Intermediate Holdings
State: HI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I spoke with the agent ( XXXX XXXX ) whom he said that I qualified for the loan and that he would deposit it into my account and I would have to pay {$230.00} each month for 12 months. The next day it was not credited and he advised me that I would need to pay {$75.00} for insurance that is required for an unsecured loan. He said I would need to get an XXXX gift card because they were not allowed to deduct it from the balance. So I did just that. Then he advised me later on that day, that the FTC would need me to make the first month installment payment because of my low credit score and that to assure them that I am capable of making payments. Once again he advised me to get an XXXX gift card. I was hesitant and told him that I dont feel comfortable doing that because why am I paying money to get money? However, he convinced me that he doesn't make the rules and am just following procedure and if I want my loan, I would need to comply. I also did as he asked and got another XXXX gift card for that and he said that it would be in my account within the hour. Unfortunately, it did not happen. So I called back and they said duet to the time difference, there in Illinois and me being in Hawaii it would be there the next morning. This did not happen, so I called and now the agent is not answering his phone. I got the phone number to the other agent ( XXXX XXXX ) whom also assured me that XXXX is working on it. Now its mid afternoon and I kept calling them back to find out what the problem is and XXXX said because there in Illinois and I'm in Hawaii, now I would have to pay the taxes on this funds that is being sent to me and asked me if I have another account that I can deposit the money into, due to some rules again. Now I am questioning him about this whole scenario and I feel like there just big con artist and scammed me out {$300.00}. He said I did not understand what he was saying about the rules and/or laws that they have to abide by. 
He said he would call me back, which he never did. In the meantime I am trying to get a hold of the first agent and he's not answering me. So I call XXXX back and he starts getting strange on me and saying that I am not listening to what he is telling me and making remarks like blah, blah, blah and that I am ignorant to what he is telling me. I got upset and again reminded him that this is a scam and how they have falsely taken me for a fool, as I was talking he hung up on me. Tried calling him back and now now answer from him. These are the numbers that they call from XXXX - XXXX ( e ) XXXX XXXXXXXX / XXXX - XXXX XXXX . 

Here is the email he sent me. 
From : XXXX XXXX XXXX XXXX.XXXX Subject : Personal Loan Date : XX/XX/2019 at XXXX XXXX To : XXXX Hello Ma'am, This is XXXX XXXX from Speedy Cash Services. This email regarding your loan application which amount is {$5000.00}. Your loan application number is XXXX. This letter is notified you that due to your low credit scores the funds {$5000.00} has been block from Federal Trade Commission. And you are going to show your eligibility by showing your first installment to them. Your monthly installment is {$220.00}. Mr. XXXX XXXX is the person who will verified that funds from the FTC Side. As soon as you show your eligibility they will release the funds into your account. Kindly check the below details. 

First Name : XXXXXXX ( I blocked out the personal information ) Last Name : XXXXXXX Loan Code : XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Routing Number : XXXX Account Number : XXXXXXX Since : 3 Years Thank you Regards - XXXX XXXX

Company response to consumer: Closed with explanation