Consumer complaint received 2026-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
This complaint is filed against Community Choice Financial Inc., operating as Check Into Cash, for intentional breach of contract, unauthorized electronic banking withdrawals during an active billing dispute, systemic record errors, and severe consumer harassment. I am the consumer holder of a XXXX Line of Credit originated at your retail branch in XXXX, Tennessee. On Saturday, XX/XX/2026, I contacted corporate account services to initiate a formal dispute regarding predatory fees, billing calculations, and non-compliant contact methods. Your specialists explicitly disclosed that your corporate turnaround policy for a formal review is 5 business days. Instead of freezing account activity during this investigation, Check Into Cash allowed its automated payment network to execute an unauthorized, recurring preauthorized auto-draft of {$690.00} from my checking account on Monday, XX/XX/2026, in direct violation of the EFTA and CFPB Regulation E.During my subsequent attempts to track this dispute, your administrative teams displayed massive record-keeping failures, mistakenly tying my XXXX loan file to an unfamiliar residential address at XXXX XXXX XXXX XXXX in XXXX XXXX TN. On XX/XX/2026, an internal administration and fraud agent named XXXX reviewed my profile notes on a recorded line and directly confirmed that the company 's billing system had failed to apply basic consumer safeguards during an active dispute. XXXX explicitly stated on the record : " So you're getting all these calls and everything... right, violating the TCPA and Tennessee law, correct? '' Between XX/XX/XXXX and XX/XX/XXXX, I issued five separate, absolute oral revocations of phone contact consent to agents XXXX, XXXXXXXX XXXX XXXX and Senior Customer Support DirectoXXXX XXXX. Director XXXX directly read this telephone block aloud from her screen and confirmed it was locked into your database. Despite this, agents have continued to use high-pressure tactics to extract callback phone numbers to bypass my legal revocation.Furthermore, my interactions with your staff have involved severe consumer abuse. An agent named XXXX screamed at me and chanted, " You're wrong, sir, '' before hanging up when I requested account info. Supervisors XXXX and XXXX fabricated attendance records and manager availability, and supervisor XXXX intentionally executed a deceptive drop transfer into a disabled voicemail queue. Later, agent XXXX flatly refused to provide her manager 's identity before executing a final bad-faith disconnection. This predatory stalling has directly caused severe physical and emotional distress while I am on a protected FMLA medical leave for XXXX XXXX XXXX related issues.I demand a full refund of the stolen {$690.00}, a complete written history of all employee account notes, and written confirmation that all telephone dialing and text mechanisms have been permanently suppressed.

Company response to consumer: Closed with explanation