Consumer complaint received 2016-12-03
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CURO Intermediate Holdings (CA)

On XXXX of XXXX I took out a payday loan with Speedy Cash. I was not able to pay the loan back as I moved to the state of California. Now that I am able to pay the loan a little at a time, I attempted to make payment arrangements. I agreed to pay about {$120.00} a month but realized my payment would be late. In XXXX XXXX, I made a {$100.00} payment on the Speedy cash website towards my owed balance with a credit card and that transaction was cleared. When I woke up on XXXX/XXXX/XXXX and looked at my account, I noticed the total due amount was being charged to my card. I called Speedy cash and they redirected me to XXXX XXXX XXXX XXXX because they said this agency was in charge of the account now. When I called XXXX XXXX, I was told that it was Speedy Cash that charged my card and they could not do anything about it. I asked XXXX XXXX to delete my card information as I was revoking any further transactions to be charged. I was told by them that they did not have any card information, that Speedy Cash was the one who had that information. I again called Speedy Cash and spoke to a third person who quickly transferred me to another male. This male proceeded to tell me I had a zero balance on my account. I let him know that they charged my card but that the balance would bounce because I did not have that amount of money. I asked to be put on a payment plan to avoid this from happening. He let me know there was nothing he could do because the account was at zero balance. He asked that I call in a few days to make payment arrangements. I let him know that by that time the account would be charged again since it did not go through the first time. He said there was nothing he could do. I informed him I wanted to revoke my permission to allow them to charge my card for debt collection. He refused and said that because I owed a debt to Speedy Cash they could continue to charge my card on file to collect the full amount. I informed him it was my right to revoke any future authorizations to go through to my account and he said " You 've made it known ma'am! CALL YOUR BANK AND HAVE THEM CANCEL THE TRANSACTIONS. '' At this point, this male was screaming at me on the phone and being extremely disrespectful. I tried to explain that the bank would charge me for bounced payments or even to stop payments so I wanted the transactions to be cancelled on their end. He again said there was nothing he could do. I asked that he delete my card information from their system as I did not want them to use my card for future transactions and he replied by saying that had the right to continue to try to collect the debt through my card so he would not delete it. I again said I wanted to make it clear that I revoked my permission for any further transactions to be charged on my account. At this point this male was screaming at me on the phone so I hung up the call. My understanding is that Speedy Cash must comply to my requests when I ask them to stop future transactions and they have refused to do so. I also want my complaint to be against this last male I spoke to who was rude, condescending, and ended up screaming at me on the phone when I just wanted to resolve an issue.