Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: GVA Holdings, LLC
State: CA

Complaint narrative:
I am writing to report a suspicious and potentially fraudulent debt collection email I received, which appears to violate the Fair Debt Collection Practices Act ( XXXX  ). 

The sender claims to represent XXXX XXXX XXXX ( The XX/XX/XXXX ) and a law firm called XXXX and XXXX XXXX. The email includes threatening language about a lawsuit, employer notification, inflated fees, and demands for immediate payment within XXXX hours. It was sent from the email address XXXX. 

I also performed a background check and confirmed that the individual listed as " Attorney XXXX XXXX '' has not had an active legal license since 2018. This strongly indicates impersonation of a licensed attorney, which violates multiple laws. 

For your review, I am including the full content of the message below : " Dear Debtor, LAWSUIT COURT CASE FILE NO : XXXX # WA LAWSUIT COST - {$970.00} ( INCLUDING ATTORNEY FEE/COURT FEE/ALL TAXES ) LOAN SETTLEMENT AMOUNT- {$630.00} ( Todays Settlement Amount, 35 % waived off ) Please Contact : XXXX We are writing to inform you that your outstanding loan balance with our company is now {$970.00}. We appreciate your prompt attention to this matter and would like to discuss possible settlement options to resolve the debt amicably. 



As per our company 's policy, we are willing to consider settlement proposals that are in good faith and within acceptable parameters. We understand that unexpected financial situations may have arisen, and we are committed to finding a mutually beneficial solution. 

To facilitate this process, we are offering the following settlement options : One-time settlement : Pay a lump sum of {$630.00} to settle the outstanding balance. This will result in a forgiveness of the remaining balance, subject to approval. 

Installment Plan : Pay a reduced monthly installment of {$190.00} on bi-weekly basis to settle the outstanding balance in full. ( {$970.00} including Attorney fee, court fee, all taxes ) Negotiated Payment : We are open to discussing alternative payment arrangements that may better suit your current situation. Please email to XXXX Please note that we require : - A payment of {$970.00}, if opted for Payment plan to be made within [ XXXX weeks ] to secure the proposed settlement. 

- If One-time settlement is opted as a settlement option, then the payment of {$630.00} is required to be submitted within XXXX hours of the notice received. 

- Compliance with all relevant laws and regulations. 

If you are unable to settle the debt, we may be required to take further action to collect the outstanding balance. 

We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$2600.00} and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name. 

However, we prefer to resolve disputes amicably and would like to explore settlement options with you. 

If you wish to proceed with a settlement, please reply via email to the XXXX on an immediate basis as this is now a time sensitive matter. We will review your proposal and respond accordingly. 

If you have any questions or need assistance with the settlement process, please do not hesitate to contact at : XXXX Sincerely, XXXX XXXX. 

XXXX and XXXX XXXX. 

PLEASE NOTE : This notice does not constitute a formal agreement, and any proposed settlement will be subject to approval and verification by our company prior to acceptance. '' Thank you for your time and attention to this matter. Please let me know if you need any additional information from me.

Company response to consumer: Closed with explanation