Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Company Being Complained About Speedy Cash XXXX XXXX XXXX. 
Also operating as : Speedy Cash Legal Group of Attorneys What Best Describes Your Problem? 

Attempted to collect a debt I do not owe Threatened legal action Harassment and intimidation False or misleading statements Attempted wage garnishment without a judgment Threatened contact with employer Identity misuse / possible fraud What Happened? ( Primary Complaint Narrative ) I am submitting this complaint regarding a fraudulent and unlawful debt collection attempt by an entity identifying itself as Speedy Cash XXXX XXXX XXXX and Speedy Cash Legal Group of Attorneys. 

I have never applied for, authorized, received, or signed any loan with this company or any affiliated entity. No contractual relationship exists between myself and the alleged creditor. 

Despite this, I received a written communication asserting that : A legal case had already been filed against me with a docket number I had 12 hours to respond or face court action My employer would be contacted and my wages confiscated The local sheriffs department would serve me at my residence The alleged debt would escalate to {$8600.00} Failure to pay would result in legal and financial consequences These statements are entirely false, legally impossible, and intentionally misleading. 

The communication : Fails to identify any real court, jurisdiction, or licensed attorney Uses a generic XXXX address instead of a lawful business or legal domain Impersonates legal authority and law enforcement Threatens wage garnishment without a judgment Attempts to coerce immediate payment and electronic consent under duress At no time did this entity provide a lawful validation notice, proof of debt, or notice of dispute rights as required by federal law. 



Legal Violations This conduct constitutes serious violations of the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 15 U.S.C. 1692e False, deceptive, or misleading representations 15 U.S.C. 1692e ( 2 ) ( A ) False representation of the character or amount of a debt 15 U.S.C. 1692e ( 4 ) & ( 5 ) Threats of legal action, wage garnishment, or law enforcement involvement not lawful or intended 15 U.S.C. 1692c ( a ) ( 3 ) Threatening employer contact 15 U.S.C. 1692d Harassment and abuse 15 U.S.C. 1692g ( a ) Failure to provide validation of debt Additionally, this conduct may constitute : Impersonation of attorneys or a law firm Attempted fraud Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act Harm and Risk This communication was designed to cause fear, coerce payment of a non-existent debt, and pressure me into signing an electronic agreement under threat of legal and employment consequences. 

Had I complied, I would have been induced to pay money to an entity with no lawful claim. 

I requested written verification and validation of the alleged debt, including : Proof that any debt exists and that I am legally obligated for it The identity of the original creditor A copy of any signed loan agreement or application bearing my authorization An itemized accounting of the alleged amount claimed Documentation showing the companys legal authority to collect The name, address, and licensing information of any alleged law firm or attorney involved The court name, jurisdiction, and case details referenced in the alleged docket number I further requested confirmation that no employer contact, wage garnishment, or legal action would occur without a lawful court judgment. 

I dispute the alleged debt in its entirety, as I never applied for or authorized any loan with this company.

Company response to consumer: Closed with explanation