Speedy Cash Holdings Payday Loan Complaint

Speedy Cash Holdings Payday loan department,

Payday loan Received a loan I didn't apply for Received a loan I didn't apply for Nevada

On - -, I applied for a $270.00 loan from Rapid Cash ( Speedy Cash ). It was approved and the confirmation stated that funds would be deposited in my bank account early the next morning, - -. I meant to check at work but I became extremely busy. Since I do not have Internet access at home, I visited the local library to check my bank account. The bank showed that I was overdrawn and no deposit. I visited the website and checked the funding date. It was after -. PST and it still stated that funds would be deposited Thursday, - -. There was a link to change the funding option. I debated this option and since I did not want to incur a return or overdraft charge with my bank, I changed the funding option to " pick up at store '' but sent a message to the company telling them of my annoyance with the situation.


the website and then waited. I asked if I could put part of the money on my existing loan balance of $87.00 then they asked if I wanted to take out another loan. I said no, all I wanted to do was get the money that was supposed to be put in my bank account this morning but was n't and that I was going to use a portion of the $270.00 on the $87.00 existing loan. They said that I could n't do that. I said never mind. I can do it online at another time. I just wanted the money and I wanted if before my bus came because I would have to wait another half-hour for the next one. I was also concerned about defraying the overdraft charge because the funds were not in my account when promised. I deposited the funds they gave me that night, - -, and kept in mind that they had told me there was a hold on a portion of the funds. I figured that when it cleared, I would be able to pay a portion of the existing loan. I called to check my bank account and since I had an automatic payment of $120.00, I did n't think anything was wrong. My bank also made a few automatic withdrawals to cover fees on another account so I could n't tell that anything was wrong. I was going to go to the library after work on Friday - - but it was - that day and my bus was late. The heat was getting to me so I went straight home. I went to the library on Saturday, - - to make a payment on the $87.00 loan with Rapid Cash. It was then that I found that I had another $200.00 loan on my account with a due date of - -. I changed the due date of both loans to reflect - - and - - respectively so that I would n't get an automatic withdrawal for the full amount because I need to make a rent payment. I sent them a note explaining that I could n't pay $400.00 on that date because I needed to make a $300.00 payment on my rent or else I would be homeless. I also need to make a - dollar payment on my electric and I have some other bills to pay. My issue is this : I did n't ask for a second loan. I thought the money I got on the night of -/-/- was the money from the loan I applied for. After all, when asked if I wanted another loan I said no. I wanted the money that was supposed to be deposited in my account this morning which was not. One of the clerks said she would make a note of the confusion. I did n't get either of their names, they were not wearing them or they were not visible and I was in a hurry. I will pay back the money but I would like some leniency on the part of Rapid Cash because I had not intended to take that second $200.00 loan. I had only wanted the money that I had initially applied for. The error was clearly not on my part. The money was not there when it should have been. I also do not feel that I should pay any fees.