Consumer complaint received 2022-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
This company is stating that I took out a loan in 2015 and not providing proof of the loan, interest rate, fees, and payments without providing the following : A copy of the last billing statement sent to me by the original creditor. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

If there have been any payments and/or other reductions since the last billing statement from the original creditor ; with an itemization showing the dates and amount of each of them. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 

State the amount of the debt when it was obtained, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 

If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

Tell me when the creditor claims this debt became due and when it became delinquent. 

Identify the date of the last payment made on this account. 

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 

Details about the authority to collect this debt. 

I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

If they are contacting me from a place outside my state, does the firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

It is my belief that the third-party debt collector is reporting false information to all credit bureaus and they need to cease and desist all collection efforts immediately. 

I have made every attempt to resolve this debt legally and the collection agency is not clear about the debt collector 's authority to collect money from me regarding this debt. 

Based on the last response from the debt collector, the debt collector is attempting to collect outside of the California statute of limitations.

Company response to consumer: Closed with explanation