Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CURO Intermediate Holdings
State: FL

Complaint narrative:
I received two email from two separate people with two different amounts saying that I owe a payday loan company money. The only payday company Ive ever used is XXXX and I currently have a up to date payday loan with them. Theres no way I could even have another loan out right now or for that amount they are demanding I pay even with the state of Floridas laws. They have advised that they have filed two separate cases against me in court, however I have gone to the courts website and looked up all court cases in the entire US with my name or even a variation of my name and nothing is there. The companies are claiming to be with XXXX XXXX XXXX XXXX, but there is no evidence of such law firm anywhere nor have they provided any business location or phone number other than a total of three extremely fake email addresses. This is a scam. 

Here is the first email. 


RECOVERY DEPARTMENT XX/XX/XXXX Account Identification Docket Number : XXXX Invoice : XXXX Balance : {$920.00} contact : mailto :  XXXX Dear, This letter confirms that XXXX XXXX XXXX   is dully authorized to accept {$920.00} in full settlement of the above referenced account. 

If you are not able to submit that amount then settlement amount due is as follows. 

First Installment for Today to stop the warrant and initiate your settlement option. 

Date : XX/XX/XXXX Payment for Today : {$120.00} ( Rest of XX/XX/XXXX installments for {$180.00} will be scheduled for every other week ) OR You are still applicable for OIC policy by submitting {$740.00} in full before XX/XX/XXXX. 
Your payment must be submitted before due date otherwise this will be considered as a flat refusal. 

Reply of this e-mail chain conversation is must as per bureau 's norms as a proof that you have received the communiqu from the accounts department regarding your payment registry in terms of settlement options, to resolve this case outside of court without any disputes. 

So kindly respond to this email on mailto : XXXX to resolve this matter. 

Regards, XXXX XXXX Accounts Department Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your co-operation. 


Here is the second email. 





Image CREDITOR : SPEEDY CASH SERVICES CASE NO : - XXXX OUTSTANDING AMOUNT : {$920.00} Todays Settlement Amount : {$650.00} CONTACT AT : mailto : XXXX This Proceeding issued on you Docket No : - XXXX with one of Speedy Cash Services Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of XXXX XXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 

We have sent you this warning notification about legal proceedings on XX/XX/XXXX, but you failed to respond on time now its high time if you failed to respond, we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 

We will be forced to proceed legally against you and once it is processed 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 {$14000.00} and will be totally levied upon you and that would be excluding your attorney charges. 

Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep. 

This is your last and final chance to settle this case if you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. By electronically signing this Loan Agreement by clicking the " I AGREE '' the button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.

IF YOU WANT TO RESOLVE THIS CASE OUTSIDE OF THE COURTHOUSE CONTACT TO RESTITUTION DEPARTMENT AT : mailto :  XXXX Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX At Speedy Cash, the privacy and security of your personal and financial information is our top priority. Since our doors first opened in XX/XX/XXXX, we have been continually innovating and implementing advanced technologies and techniques to ensure the safety and privacy of your information. We deeply value the trust you place in us and we are committed to providing you a safe and secure loan experience regardless of the method you decide to use to apply for credit with us.

Company response to consumer: Closed with explanation