Consumer complaint received 2025-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
surname : XXXX, given name : XXXX. From here fourth ( XXXX XXXX XXXX XXXX XXXX XXXX 

Claimant states that TitleMax has failed to provide the original agreement in accordance with Georgia Code XXXX ( b ), and 12 CFR 202.4 ( d ) ( 2 ). TitleMax also failed to present the original agreement and validation in violation of 12 CFR 1006.34 ( a ) and 15 USC 1692g ( a ), which must be provided no more than five days after initial communication which took place on XX/XX/XXXX. 
TitleMax attempted to collect an unvalidated debt from the claimant on XX/XX/XXXX XXXX. Five days later the claimant did not receive validation of the debt which is again in violation of 12 CFR 1006.34 ( a ) and 15 USC 1692g ( a ). TitleMax Oral communications with the claimant failed to communicate their attempt to collect a debt in accordance with federal law in violation of 15 USC 1692e ( 11 ) and 12 CFR 1006.34 ( c ) ( 1 ) which are required statements. 
Between the initial communication on XX/XX/XXXX and the attempt to collect an unvalidated unverified debt on XX/XX/XXXX XXXX TITLEMAX never presented a physical original agreement, nor sent one to the claimant electronically. This violates 15 USC 7001 ( c ) in its entirety and 12 CFR 609.950 in its entirety. 
Claimant requested Debt validation from TITLEMAX via certified mail on XX/XX/XXXX XXXX. TitleMax responded via mail on postdate XX/XX/XXXX which was the first time the claimant received any documents from TitleMax at any time. 
Within TitleMaxs envelope for debt validation was, the initial letter of receipt of request for validation, and a digital print out of the original agreement. Nothing received validated or verified the debt in accordance with 15 USC 1692g ( a ) or 12 CFR 1006.34 ( a ). 
The claimant found an unidentified signature on the original agreement. Claimant states that this unidentified signature was added to the original Agreement after the fact, in violation of 18 USC 514.

TitleMax continued to attempt to collect an unvalidated debt in violation of the law.

TitleMax violated 15 USC 1692g ( b ) and 12 CFR 1006.34 ( b ) ( 5 ) by not allowing 30 days for claimant to respond. On XX/XX/XXXX TitleMax of XXXX XXXX. in partnership with TitleMax agent XXXX XXXX illegally obtained claimants automobile which is a violation of the validation period allowed and collecting on a disputed debt. 
Claimant only had the ability to read the original agreement after it was sent on XX/XX/XXXX. TitleMax never supplied a digital or physical copy of the agreement until XX/XX/XXXX. 
Claimant found within the original agreement and other forms used by TitleMax the following USC and CFR violations.

15 USC 1692 b ( 2 ) do not communicate to 3rd party persons that consumer ows a debt 15 USC 1692 b ( 5 ) do not use any language or symbols on envelope or in contents..

15 USC 1692 d ( 5 ) calling or causing phone to ring wi
th intent to annoy.

15 USC 1692 e ( 1The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, 15 USC 1692 e ( 4 ) unlawful seizure of property.

15 USC 1692 e ( 7 ) implication that consumer committed a crime or other conduct in order to disgrace the consumer 15 USC 1692 e ( 8 ) threatening to communicate credit information to any person with failure to communicate that the debt
is disputed.

15 USC 1692 e ( 9 ) use of any communication that falsely represents that it is State or Gov. authorized.

15 USC 1692 e ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

15 USC 1692 e ( 11 ) Failure to disclose in communications that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications 15 USC 1692 f ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property 15 USC 1692 g ( a ) ( 1 ) Within five days after the initial communication the amount of the debt ; 15 USC 1692 g ( a ) ( 2 ) Within five days after the initial communication the name of the creditor to whom the debt is owed ; 15 USC 1692 g ( a ) ( 3 ) Within five days after the initial communication a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

15 USC 1692 g ( a ) ( 4 ) Within five days after the initial communication a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector 15 USC 1692 g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment 15 USC 1692 j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection 15 USC 7001 c ( 1 ) ( A ) did not give to consumer in writing that this is interstate commerce.

15 USC 7001 c ( 1 ) ( B ) informing the consumer of ( I ) any right or option of the consumer to have the record provided or made available on paper or in nonelectronic form.

15 USC 7001 c ( 1 ) ( C ) prior to consenting, is provided with a statement of the hardware and software requirements for access to and retention of the electronic records ; 15 USC 7001 d ( 1 ) ( B ) If a statute, regulation, or other rule of law requires that a contract or other record relating to a transaction in or affecting interstate or foreign commerce remains accessible to all persons who are entitled to access by statute, regulation, or rule of law, 42 USC 408 ( a ) ( 8 ) discloses, uses, or compels the disclosure of the social security number of any person in violation of the laws of the United States ; 12 CFR 1006.18 ( a ) A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, 12 CFR 1006.18 ( b ) ( 1 ) ( i ) False, deceptive, or misleading representations that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including through the use of any badge, uniform, or facsimile thereof.

12 CFR 1006.18 ( b ) ( 1 ) ( iv ) False, deceptive, or misleading representations that The consumer committed any crime or other conduct in order to disgrace the consumer.

12 CFR 1006.18 ( b ) ( 3 ) A debt collector must not represent or imply that nonpayment of any debt will result in the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful 12 CFR 1006.18 ( c )
( 3 ) Use or distribute any written communication that simulates or that the debt collector falsely represents to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or that creates a false impression about its source, authorization, or approval.

12 CFR 1006.18 ( d ) A debt collector must not use any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

12 CFR 1006.18 ( e ) A debt collector must disclose in its initial communication with a consumer that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. If the debt collector 's initial communication with the consumer is oral, the debt collector must make the disclosure required by this paragraph again in its initial written communication with the consumer.

12 CFR 1006.18 ( e ) ( 2 ) Subsequent communications. In each communication with the consumer subsequent to the communications described in paragraph ( e ) ( 1 ) of this section, the debt collector must disclose that the communication is from a debt collector.

12 CFR 1006.18 ( f ) This section does not prohibit a debt collector 's employee from using an assumed name when communicating or attempting to communicate with a person, provided that the employee uses the assumed name consistently and that the debt collector can readily identify any employee using an assumed name.

12 CFR 1006.22 ( a ) A debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt, 12 CFR 1006.22 ( e ) A debt collector must not take or threaten to take any nonjudicial action to effect dispossession or disablement of property if there is no present right to possession of the property claimed as collateral through an enforceable security interest 12 CFR 1006.34 ( a ) Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information 12 CFR 1006.34 ( a ) ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : In general. A debt collector who s
ends disclosures required by the Act and this part in writing or electronically must do so in a manner that is reasonably expected to provide actual notice, and in a form that the consumer may keep and access later 12 CFR 1006.34 ( a ) ( i ) ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section ; or 12 CFR 1006.34 ( a ) ( i ) ( B ) Within five days of that initial communication ; or 12 CFR 1006.34 ( a ) ( ii ) By providing validation information orally in the initial communication.

12 CFR 1006.34 ( c ) ( 1 ) Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.

The statement required by 1006.18 ( e ). that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. If the debt collector 's initial communication with the consumer is oral, the debt collector must make the disclosure required by this paragraph again in its initial written communication with the consumer.

12 CFR 1006.34 ( c ) ( 2 ) ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to who
m the debt was owed on the itemization date 12 CFR 1006.34 ( c ) ( 2 ) ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.

12 CFR 1006.34 ( c ) ( 2 ) ( vi ) The itemization date.

12 CFR 1006.34 ( c ) ( 2 ) ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.

18 USC 514 ( a ) Whoever, with the intent to defraud 1. draws, prints, processes, produces, publishes, or otherwise makes, or attempts or causes the same, within the United States ; 2. passes, utters, presents, offers, brokers, issues, sells, or attempts or causes the same, or with like intent possesses, within the United States ; or 3. utilizes interstate or foreign commerce, including the use of the mails or wire, radio, or other electronic communication, to transmit, transport, ship, move, transfer, or attempts or causes the same, to, from, or through the United States, any false or fictitious instrument, document, or other item appearing, representing, purporting, or contriving through scheme or artifice, to be an actual security or other financial instrument issued under the authority of the United States, a foreign government, a State or other political subdivision of the United States, or an organization, shall be guilty of a class B felony.

15 USC 1644 Fraudulent use of credit card a ) Use, attempt or conspiracy to use card in transaction affecting interstate or foreign commerce b ) Transporting, attempting or conspiring to transport card in interstate commerce c ) Use of interstate commerce to sell or transport card d ) Receipt, concealment, etc., of goods obtained by use of card e ) Receipt, conceal
ment, etc., of tickets for interstate or foreign transportation obtained by use of card f ) Furnishing of money, etc., through use of card 42 USC 408 ( a ) ( 9 ) conspires to commit any offense described in any of paragraphs ( 1 ) through ( 4 ), shall be guilty of a felony.

( 2 ) makes or causes to be made any false statement or representation of a material fact in any application for any payment or for a XXXX determination under this subchapter; or ( XXXX ) at any time makes or causes to be made any false statement or representation of a material fact for use in determining rights to payment under this subchapter ; 12 CFR 202.4 ( d ) ( 2 ). Disclosures in electronic form. The disclosures required by this part that are required to be given in writing may be provided to the applicant in electronic form, subject to compliance with the consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act ( E-Sign Act ) ( 15 U.S.C. 7001 et seq. ). Where the disclosures under 202.5 ( b ) ( 1 ), 202.5 ( b ) ( 2 ), 202.5 ( d ) ( 1 ), 202.5 ( d ) ( 2 ), 202.13, and 202.14 ( a ) ( 2 ) ( i ) accompany an application accessed by the applicant in electronic form, these disclosures may be provided to the applicant in electronic form on or with the application form, without regard to the consumer consent or other provisions of the E-Sign Act. 

Georgia XXXX XXXX ( b ) Every pawnbroker in every pawn transaction shall present the pledgor or seller with a written disclosure ticket or statement in at least nine-point type, appropriately completed, with no other written or pictorial matter except as provided in subsection ( c ) Credit card is defined under 15 USC 1602 ( I ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

The claimant Conspiracy is an agreement between two or more people to commit an illegal act, along with an intent to achieve the agreement 's goal. 
Conspiracy applies to both civil and criminal offenses. 

Persons conspiring to commit or have committed fraud against claimant : XXXX. TitleMax of XXXX XXXX d/b/a TILEMAX EIN XXXX XXXX XXXX. TitleMax of XXXX, TX. 
XXXX. XXXX : XXXX XXXX XXXX. Unidentified signature added to the original Agreement after the fact in violation of 18 USC 514.

According to 18 USC 1961 ( 1 ) RICO / Racketeering is a set of illegal activities aimed at commercial profit that may be disguised as legitimate business deals. Racketeering is defined by a coordinated effort by multiple people to repeatedly earn a profit. Typically, by fraud, extortion, bribery, threats, violence, or other illegal means. ( See 18 U.S.C. 1961 ) section 1028 ( relating to fraud and related activity in connection with identification documents ) section XXXX ( relating to financial institution fraud ). 

Claimant gives TITLEMAX notice of intent to arbitrate for remedy.

Company response to consumer: Closed with explanation