Consumer complaint received 2019-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CURO Intermediate Holdings (MO)

Complaint:
On XX/XX/19 Speedy Cash put an unauthorized payment withdrawal through my bank for my adult son 's payday loan he was late on. I had used my card before and issued one time payments each time to help him out through their Speedy Cash mobile app. I did not issue a payment to them on this occasion. On XX/XX/19 I called my bank to start the dispute process and I also sent an email to Speedy Cadh asking them to reverse the unauthorized charge. I also went onto their app to remove my card information, however their app does not give an option to delete or remove prior payment methods. I called my son and he told me that they had tried to take it out of hid bank account twice before they decided to take it from my card information. So I immediately called my bank, had my card stopped and replaced and sent both Speedy Cash and my bank the documentation proving the payday loan account was not mine and that they used the card without permission to ensure their loan payment got paid without regard to whether or not the account they were taking from was my son 's. My bank now tells me the dispute will be open until XX/XX/19, and they can't guarantee I will have my money returned. On XX/XX/19 I received an email back from Speedy Cash stating they could not discuss confidential information by email and to call them. So I responded back to them that I didn't have an account with them it was my son 's account and they had no right to take money out of my account just because I had used the card to help him out by physically entering the payment authorization myself. No response so I call the number they gave me but I was informed they couldn't speak to me about because it was someone else 's account. In the mean time this has left my account in a minus balance with no way to buy groceries for the week and take care of my own finances. I have sent both the bank and Speedy Cash the same documentation showing the loan account is not in my name and asking them to reverse their mistake but neither one wants to help or respond. And it is not right that I should have to wait for one more minute to get back a payment that was fraudulent and proved not to be my account. I want them to return my money immediately instead of giving me the run around that they can't speak with me because it's my account. And the documentation that I sent should be more than enough to close the dispute with my bank and have them return the money ... ... what does it take for them to look at the documents and right away straighten this all out immediately instead of waiting almost 3 full weeks ... what is Speedy Cash and my bank both holding out to return it? I want immediate answers and actions. I want the money back now ... ..I didn't physically authorize this payment, it should be considered fraud and theft. And Speedy Cash needs to seriously be looked into, why would they ever be allowed to get by with taking money that doesn't belong to them?

Company response to consumer: Closed with explanation