Consumer complaint received 2025-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC
State: IL

Complaint narrative:
On XX/XX/2025, I was informed that I had become a victim of identity theft and fraud. An {$800.00} loan was applied for and approved online through Speedy Cash without my knowledge or consent. 

On XX/XX/2025, I was contacted by Speedy Cashs Identity Theft Department, which requested the following documentation : A copy of a valid government-issued ID A notarized affidavit regarding the identity theft claim, or A police report related to the identity theft On XX/XX/2025, I submitted the following documents via email : A copy of my valid government-issued ID ( with my drivers license number redacted for privacy ) Police Report XXXX XXXXXXXX ( with my drivers license number redacted ) FTC Identity Theft Report # XXXX FTC Consumer Report XXXX XXXXXXXX Identity Theft Victims Complaint and Affidavit ( with both my Social Security number and drivers license number withheld for security reasons ) On XX/XX/2025, Speedy Cash responded, stating that the evidence provided was insufficient. Their reasoning included that the personal details used in the loan application ( name, phone number, and date of birth ) matched my own, that the IP address was within a 60-minute radius of my residence, and that the email address used was registered to a XXXX XXXX XXXX They also claimed the address used was associated with me and that a payment was made from the same bank account used to fund the loan. 

On that same day, I responded to challenge their claims and requested clarification on why the documentation I provided was deemed insufficient. I also inquired if there was a XXXX branch where I could resolve the matter in person. On XX/XX/2025, Speedy Cash did not answer my questions but instead suggested I obtain a letter from XXXXXXXX XXXX stating that no account exists in my name, in lieu of a bank statement. 

Between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I have communicated with XXXX XXXX XXXX representatives in person, over the phone, and by email. However, no representative has been willing to issue a statement confirming that I do not have an account with their bank, as I am not a customer. On XX/XX/2025, a CFPB agent named XXXX referred me to the Office of the Comptroller of the Currency ( OCC ) to file a formal complaint. An OCC contractor named XXXX confirmed that XXXX XXXXXXXX XXXX  would not provide a statement on my behalf regarding the absence of an account in my name. 

As a result, I am unable to comply with Speedy Cashs request for this specific document. 

Furthermore, I have reason to believe that the individual who stole my identity also attempted to apply for loans with XXXX XXXX XXXX XXXX. Fortunately, XXXX XXXX declined the application, and XXXX Identity Theft Department accepted my documentation ( valid government-issued ID and police report ) as sufficient evidence. 

It is also worth noting that there is no record of any Speedy Cash loan activity on any of my three credit reports. This discrepancy raises concerns about potential fraudulent behavior on the part of Speedy Cash.

Company response to consumer: Closed with explanation