Speedy Cash

May 8th gets here and I receive a notice that I will be sent to collections and my credit damaged if I do not pay, so I call speedy cash frantically trying to prevent this. I reference my emails, 11 emails that each detail that I cannot access to my account and that I cannot make payments but am trying, all while also begging, in all 11 emails, not to send me to collections because I am trying to pay. The customer service rep that I spoke to on May 8th gets all of my information and reviews my account. She advises me there is an issue with my login and it may be best to make my payment over the phone to avoid any confusion, then we could deal with the account after.

3 months I made contact 18 times. It took 3 months and 18 communications begging to be allowed to make payment for someone to finally tell me that I could pay over the phone. I had no clue this was an option as I would think that giving card numbers over the phone would be a security issue. KEEP READING, it somehow gets so much worse I promise.

On my 8th, the customer service rep and I agreed to do my payment over the phone and she got everything ready and was prepared to take my card number. I grab my wallet and open it, no debit card, I had left it sitting on my desk in my bedroom the night before. I explain to the customer service rep that I do not have my debit card as I thought but that I could call back on my lunch break sometime in the next 48 hours with that information, as I am not often available regularly to call during their normal business hours.

The customer service rep and me discuss everything and establish that i am off on Friday, May 12. She then tells me that what she is going to do is move my payment date to May 12 so that I could simply call on Friday and make my payment no problem. Fast forward again to Friday, May 12. I contact speedy cash and have my card in hand ready to pay off my loan and never look back.

The customer representative at speedy cash(a new individual that the 8th) reviews my account… and tells me… I cannot make debit card payments because my account is past due and my identity needs to be verified. So the only way I can pay is by cash. I explain to the representative that I am currently in college in North Carolina, a state that speedy cash does not have stores in. The normal speedy cash that is near my hometown is 7 hours from my college apartment and I am currently in finals. The closest store to me is 6 hours. I do not return home until June 17th for the summer and was told by the rep I would be sent to collections by then, but could not move the payment to avoid this even with a note on the account

This representative tells me she cannot help me and that she was sorry but that I should have paid from the start and I wouldn’t be in this situation. Told I should’ve made the payments. When I have sent 18 communications explaining that I could not possibly make payments because I could not get into my account.

I call three more times that evening trying to find someone who can offer help when I finally get someone who is willing to review my account. Rep reviews account for 10 minutes while I sit on hold. She returns, tells me the only other option would be submitting my license, SS card, a utility bill, and my past TWO MONTHS of bank statements to them. (This information is not needed to get the loan no, rather to simply make a payment). Because my identity needs to be verified (TO MAKE PAYMENTS).

I advise the representative that I could happily submit all of that, but that I lost my Social Security card two years prior in a small kitchen fire that occurred near the drawer that my entire family had their SS cards stored in. I even offered to submit my birth certificate instead. I am me, I can literally show them baby pictures and tell them every piece of confidential info I have all the way down to my social security number, and my mom's and dad's names and socials. I literally have my tax returns from the past 4 years and am employed.

So let me review everything here for a recap, so that it is easily to follow.

•Feb. take out loan. •March attempt to pay but cannot enter account because of error with both app and website on both computer and iPhone. •March-May sending 11 emails and making 7 calls trying to enter my account and make payment. Always just given dumb solutions or ignored, never once told I could pay via phone (mostly ignored to be honest) (only got replies to 5 of the emails.)

•Finally told May 8th I could pay over the phone by the first kind rep that I had gotten and this is verified by said rep. Who was ready to take my card number on the 8th. I realize I forgot my card and ask if I can call back when I have some free time. •The rep agrees to happily give me until my day off and just tells me to be sure I make my payment on that day.

•4 days go by and the 12th gets here. I call speedy cash ready to finally put this all behind me. It is 4pm in the evening so the day isn’t over and my payment isn’t “past due”. •I am very rudely informed by a speedy cash employee that I now can no longer make payments with my card and that I have to in store with cash. •I explain to rep that this wouldn’t be an option for me because I am away for college until June and have no stores even remotely close to me.

•Representative LITERALLY, not figuratively tells me that there is nothing that can be done for me AND that I caused this cause I didn’t “actually” want to pay after I had sent 11 emails and made 7 phone calls. Completely unaware that I could pay over the phone and believing that I needed into my account. •I again explain to rep that I cannot because of the distance and that I have wanted to make payments but that I can’t because I can’t get into my account.

•She asked when I return from college and I give her the date. •Explains to me I’ll be in collections by then and that she can’t move the date past May 12. Asked if moving it to May 12 was helpful (it was may 12… it was not being moved..). •Told I’ll be sent to collections if I don’t pay. But also told that I can’t pay. •Ask for an explanation of what changed between the 8th and the 12th that made it to where I am unable to make payment.

•Told by rep that it was random but that nobody could help and I should make the drive. •Also told by rep that the only person who could help me is account services, who wouldn’t be back until Monday. •Asked rep if I’d be sent to collections for waiting until Monday. Told maybe. So I am being told I am NOT ALLOWED TO MAKE PAYMENT; while also being told that I am going to have my credit destroyed because I’m not making payment.

SO I AM NOW OUT 700 and COUNTING. My loan was $1000, and in 2 months it has built $700 interest. The entire time this interest is building I am asking to pay my loan off and getting no help. My credit is going to be potentially damaged when I am literally begging speedy cash to let me pay. And on top of that it is not Saturday morning and I still have no way to pay, so I'm still at risk. Speedy Cash is deliberately not allowing me to pay and is instead allowing interest to build so that I can't pay it at once.

Speedy cash I invite you to reply to this message with a REAL response. Do not say something generic with your email, I used that 11 times and you couldn’t answer once. Let me know how what you’re doing is okay. I AM A COLLEGE STUDENT BEING VICTIMIZED BY A COMPANY. I have contacted the necessary authorities and am working through my options. But have still been begging speedy to help me. This company had a glowing review from me at first. It’s so disappointing to see their true colors.

I called customer service and the lady told me that all the payments I have made only 18$ counts towards my loan with every two weeks payment made, the rest has been counted towards the interest fees. I ask her to close my account, and she stated I have to pay the balance on my account before closing the account. Stay away from these people, they will mess up your credit and don’t give a damn about how you feel. This’s the most terrifying situation and company I have ever dealt with in my life time. Be warned, they’re very terrible, and I regret ever getting to know them.

I do as requested and I drive my hurting car to one of their stores to pick up my cash and they start the process all over wanting pay stubs, I didn't take any of this, so they reversed the loan. All that wasted time, I just can't believe how they had no intention of giving me a loan. If you only knew how much a list of phone and addresses go for, it's how telemarketers get leads. Using people who are having a low point in their lives and putting them lower, that's pretty low. Shame on them, karma is real. Just food for thought, scary thing is I hope they can stop at my number and address, because they get so much more. I'm changing banks because of it.

Additionally, the representative failed to walk me through explaining the lengthy contract, or the payment options or disclosing the details and consequences of adverse action should I fail to meet these obligations. The company in my option has committed fraud; in order to boost sales. They did not represent that the loan was to be paid bi-weekly although it does state as much within 1 of the papers I initialed in a long unread contract. They failed to disclose that no amount of the payment was to go towards the payment Over 260.00 a month paid to only interest on a 1750.00 loan. The loan is set for 7 years. They failed to disclose that whether the payment was made on time or otherwise the consumer is charged a never-ending 8.00 dollar a day interest. They never disclosed that they would essentially become a 2nd lien holder of my vehicle if the loan was defaulted.

They advertised affordable lending in which reasonable parties could utilize for life’s unexpected events. When truly it was misleading if your stating affordable payments, when none of the payments go towards the principal of the loan. A 1750.00 loan is automatically accessed 250.00 and continues to accrue interest daily for the life of the loan. The only way this loan is affordable is if you pay it off immediately the following pay cycle. The company offers a loan designed to fail, and further insults the consumer by asking once approved "if you need more” in a rouse to take a advantage and offer additional funds based on souped up banking and income they simply enter into the computer.

This is fraud, misleading and certainly a gimmick, they take full advantage. I should have known it was to good to be true. Where others in the past had only approved me for 300.00 I was approved there for 1750.00 no doubt to their shady business practices as no way my modest check would be approved for this pay schedule. While I was jumping around the office in excitement an giving the young lady a 50.00 tip out of my loan. I should have been running. I am so ashamed, I am so embarrassed I actually thought that my hard work and paying bills on time had improved my credit enough to get this type a loan at 132.00 a month. I didn’t even take the time to review, I happily signed no explanation needed. I want to warn all consumers. It shouldn’t have happened.

Once I realized after the 2nd payment in the same month came due to from my account. I called immediately and was informed If you fail to read the disclosures, they will not allow you to speak with anyone with merit to help resolve or rewrite the contract based on your correct income and circumstances. They have you and at some point your robbing Peter to pay pal, then you're barely breathing and they will not budge to correct their error.

They actually told me the only way to speak with consumer relations or corporate was to default, otherwise they could not give me that information. It’s fraud- it’s disgusting and it’s preying on people in their most vulnerable state. This is the practices of Speedy Cash and the store I personally dealt with. 1215 S Country Club Dr Mesa 480-844-2274. If you had asked me to rate their service on 10/08; 15 out of 10 stars. If you ask me about the service today I’d say 10 out of 10 as they did their job and what expected of them by their company. Although, they do not give a dang about what happens to you because of their actions, falsifying your income or the dangerous games they play. Beware- the contract as it is; is what it says it is. Read it. Everything is fact. Do you want that money now.