Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CURO Intermediate Holdings
State: NH

Complaint narrative:
b'This company has been calling me non stop every day for weeks and Ive had enough. Today they left a message I was in default for my original bill with Uown. They leave a message from one number and tell me to call another. They told me Im in default and they are sending it back to the creditor and they may pursue legal action. I called them back cuz enough is enough. They know a bunch of info about me, but they never answer any of the numbers by saying hello, they just say , hi this is Jen from XXXX, your on a recorded line how can I help u and when they have to refer me to an underwriter they put me on hold and it just beeps,no music or anything. They sent me a suooosed lproof of the payment plan I left and I wish I could attach it. But Ill do my best copy and paste\n\nDate XXXXBalance $XXXXXXXX Acct# XXXXOriginal Creditor Uown Leasing\nOriginal Creditor Acct# XXXXNXXXX XXXX XXXX XXXXNH XXXX XXXX XXXX XXXX XXXX NY XXXXPayment Processed By: XXXXDear XXXX XXXXPursuant to our discussion and our clients approval this letter will serve as official notification that this office is auth orized to\naccept the sum of $XXXX as payment in full on the outstanding balance for the above referenced account on the conditions\noutlined below. Upon receipt of cleared funds, your account will be considered paid in full. Each payment should be received in\nour office no later than the close of business on the date indicated below. If payments are not received in the indicated\namounts and on or before the date due, this offer is hereby revoked and XXXX is under no further obligation to honor the terms\nof this offer.XXXX XXXX XXXX XXXX XXXX XXXXQuestions can be directed to our Administration Department at: XXXX Monday Friday from XXXX XXXX XXXX XXXX Eastern\nTime.\nThis communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be\nused for that purpose.\nPLEASE SEE ADDITIONAL NOTICES AND DISCLOSURES ON THE REVERSE SIDE OF THIS LETTER.\nXXXXnPhone: XXXXnPlease be advised that the following state and municipal disclaimers are only applicable to consumers living in those states or\nmunicipalities.\nNOTICE OF IMPORTANT RIGHTS: California - The state Rosenthal Fair Debt Collection Practices Act, and the federal Fair\nDebt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX XXXX. or after XXXX They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use fa lse or\nmisleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work . For\nthe most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may n ot contact\nanother person to confirm your location or enforce a judgment. For more information about debt collection activities, you ma y contact\nthe Federal Trade Commission at XXXX or www.ftc.gov. Colorado - FOR INFORMATION ABOUT THE COLORADO\nFAIR DEBT COLLECTION PRACTICES ACT, SEE XXXXXXXX XXXX XXXX A consumer has the right to request in\nwriting that a debt collector or collection agency cease further communication with the consumer. A written request to cease\ncommunication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the\ndebt. This agencys Colorado resident office is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX which has a phon e\nnumber oXXXX XXXX Utah - As required by Utah law, you are hereby notified that a negative credit report reflecting on your\ncredit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. West Virginia -\nThe law limits how long you can be sued on a debt. Because of the age of your debt, XXXX cannot sue you for it. If you do not pay\nthe debt, XXXX may report or continue to report it to the credit reporting agencies as unpaid. The law limits how long you can be\nsued on a debt. Because of the age of your debt, XXXX cannot sue you for it and XXXX cannot report it to any credit reporting\nagencies.\nPRIVACY STATEMENT: Our Agency wants to inform you of how we will handle confidential information we obtain about you.\nInformation we collect We may collect nonpublic personal information about you from the original creditor, consumer reporting\nagencies, and other parties for the purposes of acquiring location information as provided for by the Fair Debt Collection Practices\nAct, 15 USC 1692 et seq. Information we disclose We do not disclose any nonpublic personal information about you to anyone,\nexcept as provided for by the Fair Debt Collection Practices Act, 15 USC 1692 and the Fair Credit Reporting Act, 15 USC 1 681 et\nseq. Security - Our Agency restricts access to nonpublic personal information about you to those employees who need to know that\ninformation to process this account. Our Agency maintains physical, electronic, and procedural safeguards that comply with f ederal\nregulations to guard your nonpublic personal information.\nAdditional Rights - If your states privacy laws provide for different rights, require a different procedure to exercise\nyour privacy rights under those laws or you need additional explanations, we will explain your rights.\nNew Mexico\nWe are required by New Mexico Attorney General Rule to notify you of the following information. This information is not legal\nadvice: This debt may be too old for you to be sued on it in court. If it is too old, you cant be required to pay it through a lawsuit. You\ncan renew the debt and start the time for the filing of a lawsuit against you to collect the debt if you do any of the following: make any\npayment of the debt; sign a paper in which you admit that you owe the debt or in which you make a new promise to pay; sign a paper\nin which you give up (waive) your right to stop the debt collector from suing you in court to collect the debt.\nNew York State\nWe are required by regulation of the New York State Department of Financial Services to notify you of the following information.\nThis information is NOT legal advice:\nYour creditor or debt collector believes that the legal time limit (statute of limitations) for suing you to collect this deb t may have\nexpired. It is a violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., to sue to collect on a debt f or which the\nstatute of limitations has expired. However, if the creditor sues you to collect on this debt, you may be able to prevent the creditor\nfrom obtaining a judgment against you. To do so, you must tell the court that the statute of limitations has expired.\nEven if the statute of limitations has expired, you may choose to make payments on the debt. However, be aware: if you make a\npayment on the debt, admit to owing the debt, promise to pay the debt, or waive the statute of limitations on the debt, the t ime in\nwhich the debt is enforceable in court may start again. If you would like to learn more about your legal rights and options, you can\nconsult an attorney or a legal assistance or legal aid organization.\nNorth Carolina-\nThis collection agency is licensed by the North Carolina Department of Insurance. NC Company Number XXXX XXXXnThe law limits how long you can be sued on a debt. Because of the age of your debt, Our Agency cannot sue you for it. If you do not\npay the debt, Our Agency may report or continue to report it to the credit reporting agencies as unpaid.\nOR\nThe law limits how long you can be sued on a debt. Because of the age of your debt, Our Agency cannot sue you for it and cannot\nreport it to any credit reporting agencies.\n\nThat is what was in this letter\n\nThey sent another email that was supposedly from the original creditor and again, no label no branding. The email has a XXXX that I think they created using pdc flow and the payment link goes to XXXX the link for the complete payment button is as followsXXXX XXXX XXXX XXXX XXXX NY XXXX the address on the paperwork they sent me and if doesnt appear to be real but it could be. They tell people to send mail to that address. I asked several times for something in the mail saying the original creditors letter, and if they sold the debt to XXXX basically anything she said to me I wanted in writing on paper. Every time I asked she said , we have no way to email you, but we sent u a link to your email you can get it right away. If you dont have a printer go to a print shop and they will print it for you. \n\nSome other numbers they called from\nXXXX (claimed it was her direct number but different people answer all the time. \XXXX called and left several messages XXXX these two dont even ring when u call\nXXXXSome times they repeat one of these numbers but they call all the time. Enough is enough. Please help me'

Company response to consumer: Closed with explanation