Consumer complaint received 2017-12-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings (WI)

Actions : I closed my checking account. The payday loan companies will not provide me with a hard copy of the information and will not take a different form of payment other than ACH debit from checking account. 

I have just found this information out due to my checking account having many issues.I did not figure out the everything until XXXX the first week in XXXX. I had this happen with 3 other companies during the same time period. The companies deposited money into my account and it all originated through email. All four companies deposited money initially and made withdrawls from my checking account. I have received harassing phone calls on my cell phone as well as work. 

My checking accounts were closed after several hours at the bank on XXXX. A new checking account with a new number has been made my bank. 

This has caused a lot of issues. 

My checking account has had several issues and I learned it was fraud through my checking account. I have learned this originated through my email account. 

1. XX/XX/XXXX-Email stating an account has been created for me and to sign online using your email and password. ( THIS IS WHERE I THINK ALL THE FRAUD BEGAN ) Welcome to Speedy Cash Your Speedy Cash account has been created. You can now sign in to your online account using your email address and password 2. XX/XX/XXXX-Email from XXXX XXXX : XX/XX/XXXX stating the following : ( I did not request this loan ) Your loan request in the amount of {XXXX} is being processed. Your request was approved outside of today 's funding time. You should receive your funds within the next 2 banking business days, subject to financial institution funding times and system limitations. Funding times will vary by bank. 


2. Funds are in account -- XXXX in checking account 3. XXXX -email from Speedy Cash that loan is approaching and a link to sign in my account. See the following : Your payment is due XX/XX/XXXX As a reminder, the payment due date for your Speedy Cash loan is approaching. 
Payment Information Loan Number XXXXXX Amount Due $ XXXX Due Date XX/XX/XXXX If you already made the minimum payment due, please disregard this message. 
*Based on your loan payment schedule, we will attempt a payment of {XXXX}. Please note that the actual amount may differ based on account activity. 
If you elected to automatically make your loan payment per the optional loan payment authorization form, you dont need to take further action. 
If you would like to make a manual payment or change your payment information, please sign in to your account. 
Sign In To My Account 3. Email that money is being withdrawn from Checking Account being withdrawn on XXXX 4. Another email that account XXXX that a the same payment is due on XXXX for XXXX. 

5. XXXX email stating payment is dueXX/XX/XXXX for XXXX. 
- a reminder, the payment due date for your Speedy Cash loan is approaching. 

6. XXXX email stating payment is due XX/XX/XXXX for XXXX. 
- a reminder, the payment due date for your Speedy Cash loan is approaching. 

7. XXXXemail stating Loan Balance of XXXX. 


8. Several more emails continued through XXXX XXXX so far as well as debiting from my checking account.