Consumer complaint received 2022-09-29
Company: CCF Intermediate Holdings LLC
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I had entered into a open mind credit loan with speedy Cash back in XXXX. I ended up getting sick and my job or 10 years was not able to meet my accommodations and had to terminate at the end of XXXX  in XXXX. I ended up not being able to pay off the loan and my car got repossessed. The title loan was paid off but the open my credit was left open. Due to my situation at the time ( my boyfriend of 10 years ended up kicking me out of my house after I lost my job ), I wasnt able to maintain any contact or knowledge on what happened with this matter. He recently I did get a title loan with speedy Cash and it was never a problem mentioned with that open line of credit line still being shown in their system. I did pay off The title loan and had recently gotten in contact with him to try to do A payday loan with them. Well I was trying to gain access to my online account and still was not able to ever successfully do so they advised me that they werent able to approve me for a payday loan even if I were to submit an application form. They stated that third-party was handling the collections on it and when I was transferred over they said that the lawyer by the name of cars had been paying on the title loan and gave me a number here locally to get a hold of them. I ended up not needing to pay the loan back trying to get a hold of the lawyer without success. When I called back Payday loan company to get for your information on what was going on with that that I was told after being transferred over several times to different departments and again to the out of office collections third-party collections, I was asked if there was another person that was associated with my account which I advised them I did not know that individual nor was anyone else supposed to be associated with the account. When I tried to get more information on this I was put on hold for a long wait after being transferred back from the third party collection company ( seemed like only the third party collections told me anything and the payday loan company concealed this info from me ), I was told that a lawyer would be in contact with me. My problem is with this is that after going through extraordinary House traffic loss events and having gone through a lot of the necessary hardships if it wasnt for me going back and trying to clear up any past billing situation I would never be aware of this. Im still waiting to hear back from the lawyer but for now I am concerned about seven years of going on eight ears of a lawyer that was paying some amount that couldve been possibly not match after the same company repossessed my vehicle and didnt ever put it on my credit report and only put me in a worse situation where it is affecting my credit negatively. In addition to allowing other peopleThat I have no clue who they are were allowed access to my account and who knows what happened Ive been concealed for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation