Speedy Cash Holdings Payday Loan Complaint

Speedy Cash Holdings Payday loan department,

Payday loan Charged bank acct wrong day or amt Charged bank acct wrong day or amt Idaho

I initially set up a " payday '' loan and the company converted it to a " flex line of credit '' loan. I used - bank account to create the loan and have the funds deposited. I made some payments out of this account. I then wanted to change the financial institution and account that the payments came out of. I was unable to remove the initial account but I was able to add a new account. My payments have been coming out of the new account without any issues. I changed jobs and needed to change my due date to line up with my new paydays. I emailed the company to ask how to do that. They said to send in new paystubs to verify my new pay dates. I did that only to have them come back with a " form letter '' email telling me that I could not change my due dates even though this loan was set up with payments to be when I got paid. The VERY NE-T payment after I requested a due date change did n't deduct from my account like it always did. The next day after the due date


looked to see what happened and this lender, who has been charging the " new '' account for MONTHS without incident, attempted to take my payment out of the " old '' account that I was no longer using. I called them immediately and advised them that they had no authorization to change my preferred payment account and that the only reason the old account was on there as because I could n't remove it. I asked why they had been taking all my payments with no issue from the new account then suddenly attempted to withdrawal from an account that was not being used. I advised them that they created an NSF Fee and that I needed this issue resolved ASAP and the NSF Fee covered by them. I was placed on hold to have them come back and say that they " had a system update '' on their end and it defaulted back to my original account. I advised them that I was given no notice from them that they were having system upgrades and that I needed to verify my preferred account was correct. I advised them that I was not responsible for that account even being on there since I had no ability to remove the account. I was told that they would NOT be crediting me back the NSF Fee because I had that account on there system. I advised them that I had proof that they had been taking the funds from another account and that there were no issues, I also could not remove the old account and that I was never notified that I needed to verify my account because of their system upgrade. I advised them that this was a violation of my consumer rights. I do not even want to have auto payments with them but they advise me that I can not pay via any other method, I am FORCED to use auto pay and they can take the money from any account they have on file. I advised them that I would be reporting this issue. I asked for written documentation of this incident and their stance. I was advised they can not provide any written information about any of this because of privacy laws. I said that was not correct. I was placed on hold again and then advised that if I did n't report this issue they would credit me back the $29.00 but I needed to send proof of the NSF Fee and that they were the cause of it. I obtained the NSF notice from the bank, the account ledger showing the fee and proof it was their company. I emailed it at instructed to have them reply stating that I had to have a FULL COPY of a 30 day bank statement with ALL pages attached and my account number, name, bank info, etc. All the info I provided them already but now they want to see a full copy of my 30 day statement ( that 's my personal info that does n't apply to them ) and I will have to wait 30+ days to get it. I sent ALL the same info already.