Consumer complaint received 2023-11-02
Company: CCF Intermediate Holdings LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
SPEEDY CASH EXPRESS Dear Sir/Madam, We wish to bring to your attention that a lawsuit has been filed against you with the following details : LAWSUIT COURT CASE FILES NO : XXXX XXXX LAWSUIT COST - {$2400.00} ( INCLUDING ATTORNEY FEE/COURT FEE/ALL TAXES ) SETTLEMENT AMOUNT - {$1100.00} SUBJECT : LOAN Settlement AMOUNT- {$1100.00} Contact AT : XXXX We would like to bring to your attention that legal action is currently being pursued against you at the Court House. We felt it necessary to notify you of this development before any complications arise. It has come to our attention that you have disregarded our previous attempts to reach out to you regarding your debt to XXXX XXXX. Your intentions in this matter are quite apparent, and we are left with no choice but to defend our interests. 

XXXX XXXX XXXX XXXX HAS STATED XXXX SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE XXXX. VIOLATION OF FEDERAL XXXX. COLLATERAL CHECK XXXX. THEFT BY DECEPTION BANKING REGULATION FRAUD Section 19 ( A ), Clause 21 ( US ) contains the legal charges against you. Immediate action is necessary to prevent any further legal proceedings from our department. We demand that you take this matter seriously and address it promptly. Failure to do so will result in severe consequences.

Note : Please be advised that we are currently in the process of blocking your Social Security number and notifying all XXXX Credit Bureaus. This action has been taken in response to the recent security breach that has occurred. We recommend that you monitor your credit reports closely and report any suspicious activity to us immediately. 
We apologize for any inconvenience this may cause and assure you that we are committed to protecting your personal information Note : Section 19 ( A ), Clause 21 ( US ) contains the legal charges against you. Immediate action is necessary to prevent any further legal proceedings from our department. We demand that you take this matter seriously and address it promptly. Failure to do so will result in severe consequences. 

A response from you is required within 24 hours of receiving this letter. Failure to comply will result in legal action pursued by our in-house attorney. We hold the right to pursue legal action for wire fraud committed through the refusal to repay a debt incurred over the Internet. Furthermore, we will seek to recover the outstanding balance in addition to any legal fees or court costs pertaining to this matter. 


We regret to inform you that due to suspected fraudulent activity, it may be necessary for us to notify the appropriate authorities, including the FTC, your employer, and bank. We take the integrity of all transactions very seriously and must hold those accountable who may attempt to engage in deceptive practices. 


We have come to a settlement agreement with XXXX Weekly and biweekly. You are presented with XXXX payment options and must choose promptly. 

XXXX : You can immediately settle this case outside of court by paying {$1100.00} in full. Alternatively, you can pay {$590.00} twice with weekly installments, which will also settle the case. 

XXXX : You can put this case on hold outside of the courthouse by paying {$260.00} today. You will then need to pay the remaining balance of {$1800.00} in weekly and biweekly installments until the loan amount is paid in full. Your final decision must be communicated to us as soon as possible. 

We would appreciate a timely response from you before any legal action is pursued against you. 

Please provide your definitive response to this email, as I require this information to proceed with further actions. Please direct your reply to mailto : XXXX It is imperative for individuals who have utilized the products and services offered by XXXX XXXX to be aware that the company serves as the parent entity for over XXXX payday loan websites. Included in this expansive network are well-known entities such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Rapid Cash, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If any of these aforementioned websites were utilized to obtain a loan, then one has engaged with a cash-related company under the purview of XXXX XXXX. 

Otherwise, if the necessary action is not taken, your file will be referred to our legal department, which will proceed to download the case against you. Subsequently, you will receive a court summons at your doorstep within XXXX working days. It is recommended that you consider engaging the services of an attorney to assist you in this matter. 


Note : It is important to note that the major credit bureaus are currently conducting an investigation into this case. 

Please kindly let us know how you would prefer to make payment for mailto : XXXX We value your preferences and want to ensure a seamless transaction process for you. 

Thank you for your cooperation. 


Regards, XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation