Consumer complaint received 2020-02-06
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CURO Intermediate Holdings (CA)

The following was received on XX/XX/XXXX, at XXXX PST Speedy cash Service Department of payday Loan DUE AMOUNT- {$890.00} LOAN COMPANY/LENDER Speedy cash Payday Loan XXXX XXXX XXXX # XXXX Case Consult Operator : Attorney XXXX XXXX XXXX XXXX XXXX TX XXXX 
Contact at : mailto : 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.

UNITED LEGAL INVESTIGATION BUREAU 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 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 Inc. are ( XXXX XXXXt USA, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX USA, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX USA, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, PXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Speedy Cash, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX USA, 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 took out this loan main lender have a rights that they can file complaints 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 settlement amount for you with easy Biweekly and onetime settlement amount option.

1. If you can make a one-time 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 the total amount of {$890.00} 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 2-3 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 at XXXX : XXXX Regards, XXXX XXXX XXXX XXXX XXXX. 
Copyright XXXX XXXXXXXX XXXX XXXX XXXX XXXX | Privacy | Terms of use | Carrier Speedy cash Service Department of payday Loan DUE AMOUNT- {$890.00} LOAN COMPANY/LENDER Speedy cash Payday Loan Services Case Number # XXXX Case Consult Operator : Attorney XXXX XXXX XXXX , XXXX TX XXXX 
Contact at : mailto : XXXX XXXX Case XXXX Your case is under XXXX XXXX XXXX XXXX and your NAME and SSN are listed as a primary subject of defaulter list, so at this time we are not able to speak over the phone, if you want to resolve this case then you need to just email us back. 

Regards. 

Their response : Kindly provide us with the details of your Debit/Credit card so Accounting Department will charge your card on XX/XX/XXXX. 

Amount - {$150.00} Kindly send above details : - Name on Card - Billing Address - Card No. - Expiration Date - CVV - Phone number - Regards. 


My response : Im just trying to verify if this is legit, or a scam. Im not going to just give out my debit card to a random stranger via email. 
Can you please verify the authentic of the claim and the collection agency? 

XXXX XXXX XXXX from my iPhone Their response : Alright please co-operate with your local authorities within the next 2 hrs. with this email, we are stating that your outside of court, resolvement option has been canceled and we are charging you under the following allegations, a ) Violation of federal banking regulation b ) Collateral check fraud c ) Theft by deception NOTE : YOUR WARRANT HAS BEEN ACTIVATED. 

Regards.