Consumer complaint received 2022-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CURO Intermediate Holdings
State: FL

Complaint narrative:
THIS ORIGINAL COMPLAINT # XXXX WAS RESPONDED TO THIS WAY. 

I AM A XXXX. THERE WAS NO XXXX XXXX AT THAT TIME. THE PERSON WHO THEY SPOKE TO WAS ME. THEY ADMIT I THOUGHT IT WAS A PAYDAY LOAN. I THOUGHT IT WAS DONE BY MY XXXX. WHOM HAS NEVER BEEN TO XXXX. SO HOW CAN THIS BE A XXXX THAT DOESNT EXIST. THEY ARE SAYING WHAT IS THEIR BELIEF TO BE TRUE. BUT THE OWNER OF THE VEHICLE WAS AND STILL IS XXXX XXXX  A MAN. THAT BEING THE CASE... .MY CONVERSATIONS WITH THEM AT THE TIME... WAS IN BELIEF THAT THIS WAS AN " ONLINE PAYDAY ADVANCE LOAN ''. WHICH THEY ALSO CONFIRM. I BEGAN COMPLAINTS WHEN I FOUND OUT IT WAS A TITLE LOAN. THEIR RESPONSES TO A " XXXX XXXX ''. THAT DOESNT EXIST... AND NEVER COULD HAVE GOTTEN A TITLE LOAN. MY SOCIAL SECURITY NUMBER IS THAT OF A XXXX THEM SAYING " SHE WENT INTO STORE AND OPENED LOAN ''. VALIDATES MY CLAIMS. THEY ARE FRAUDULENTLY REPLYING WITH STATEMENTS THAT CAN NOT BE TRUE OR PROVEN AS I AM A MAN. NO GENDER RE-ASSIGNNENT. SO HOW CAN ANY OF " XXXX XXXXXXXX 'S RESEARCH '' BE VALID THEY SAY SO THROUGHOUT THEIR ENTIRE RESPONSE WHEN I CALLED ... .THEY SPOKE WITH ME. THE TERMS I AGREED TO WERE WHEN I THOUGHT IT WAS A PAYDAY LOAN. I EVEN FILED A COMPLAINT AGAINST THEM INTITALLY. THEIR RESPONSE IS WHEN I FOUND OUT ABOUT THE WAY LOAN WAS OBTAINED. 

SO " A WOMAN ''. ENTERED STORE ''. A WOMAN CALLED THEM ... .A WOMAN MADE ARRAINGEMENTS. A WOMAN CALLED AGAIN ... AND A WOMAN OWNED CAR. THEY DID RESEARCH THAT VALIDATES I AM A WOMAN AND DID THESE THINGS IF THEY CAN PROVE THEIR RESEARCH ... .ILL PAY IT JUST ON THAT. ID LOVE TO SEE WHAT THEY HAVE THAT VALIDATES THEIR CLAIMS. I HAVE PROOF IM A XXXX. SO ... ON THAT ALONE WE ARE LOOKING AT SOME TYPE OF FRAUD. THE VIN # XXXX WAS REGISTERED TO A XXXX IN XXXX. NOT A XXXX... .I WAS XXXX AND THE VEHICLE WAS XXXXXXXX XXXX  DURING THAT TIME. 

THEY EVEN THINK THAT " XXXX XXXX XXXX IS FILING THESE COMPLAINTS. SO BASED ON THAT ALONE ... WHAT RESEARCH COULD HAVE BEEN DONE TO VALIDATE THEIR CLAIMS OF THIS BEING MY LOAN. 

THEY ALSO VALIDATE MY CLAIM OF NOT KNOWING ABOUT THIS LOAN THEY STATE " XXXX XXXXXXXX THOUGHT THIS WAS A PAYDAY LOAN... WAS INFORMED IT WAS A TITLE LOAN ''. 

I DONT KNOW THIS LOAN. IM A XXXX.

THEY SAY IT IS MINE AND IM A XXXX AND THEY HAVE RESEARCHED IT AND IT TRUE CANT BE BOTH. I HAVE PROOF. SHOW ME IM XXXX XXXX AND I WALKED INTO STORE. SHOW ME A XXXX XXXX OWNING THAT VEHICLE. MY SOCIAL SECURITY NUMBER VALIDATES THAT IN ITS OWN. 


ITS COST ME OVER THE LAST XXXX PLUS YEARS. 

AND STILL IS NOW. 

SPEEDY CASH GAVE THEM THIS. THEY ARE SAYING XXXX XXXX CAME IN THEIR. HOW.. IM A XXXX ... .THAT IN AND OF ITSELF IS NOT RIGHT... .SO WHAT ELSE ISNT. 




STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation XXXX 's Response Speedy Cash is in receipt of the complaint filed with the Consumer Financial Protection Bureau ( CFPB ) by XXXX XXXX XXXX. Speedy Cash understands that XXXX XXXX CFPB complaint relates to debt collection practices. Speedy Cashs records reflect that XXXX XXXX visited a Speedy Cash located in XXXX, XXXX and applied for and obtained an installment title loan on XX/XX/XXXX in the principal amount of {$990.00}. It is important to note that XXXX XXXX did not obtain a payday loan. She obtained a title loan where she provided the vehicle registration for her XXXX XXXX XXXX as security interest. The loan was obtained at XXXX XXXX XXXX XXXX dba A Speedy Cash Car Title Loans and not at a payday loan company. Speedy Cash does not operate as a payday loan lender in Arizona. XXXX XXXX loan is valid and legal. The loan was contracted to be repaid in XXXX monthly payments of {$140.00} and a final payment of {$140.00} due on XX/XX/XXXX. Records show that XXXX XXXX did not make any payments on the loan and the account went into past due status on XX/XX/XXXX. Thereafter, collection activities commenced as allowed by law. Speedy Cash attempted to contact XXXX XXXX in in an effort to assist with repayment but were unsuccessful. The outstanding loan account was placed with a third-party debt collection agency, Ad Astra Recovery Services , Inc. XXXX Ad Astra ) XXXX on XX/XX/XXXX as a result of its delinquent status. Upon receiving the account, Ad Astra sent a validation letter to XXXX XXXX. When XXXX XXXX did not dispute the validity of the debt within XXXX days of receiving the letter, the debt was assumed to be valid. Ad Astra also attempted to contact XXXX XXXX to offer repayment options, however, when they were unsuccessful, they began reporting the collection status of the delinquent loan account to credit reporting agencies ( XXXX  ) on XX/XX/XXXX as allowed by contract. Ad Astra spoke with XXXX XXXX on XX/XX/XXXX and offered her a settlement of XXXX and agreed to waive the remaining balance of {$500.00} ; however, XXXX XXXX did not make the payoff. The same settlement was offered in XX/XX/XXXX and payoff was not made then either. XXXX XXXX has submitted several disputes in accordance with her rights under the Fair Credit Reporting Act ( XXXX  ). Ad Astra has investigated the dispute and responded appropriately. After a thorough investigation, Speedy Cash believes Ad Astra faithfully complied with its obligations under the XXXX XXXX  and applicable state laws and there is no basis in which to conclude that the information reported to the XXXX is inaccurate. XXXX XXXX is encouraged to contact Ad Astra at XXXX to make arrangements to satisfy the outstanding debt, or with any further questions regarding her loan account.

Company response to consumer: Closed with explanation