Consumer complaint received 2024-11-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: AmeriCash Holding LLC
State: SC

Complaint narrative:
NOTICE OF LEGAL PROCEEDINGS Case Number : XXXX Outstanding Amount : {$1500.00} Lender : Speedy XXXX XXXX Time Left : 5 hours. 

Contact : XXXX We are writing to address a matter of significant concern regarding an unresolved outstanding debt in the amount of {$1500.00}, associated with your account under Case Number : XXXX. This communication marks your final opportunity to resolve this matter outside of court. You are required to take immediate action within the next five hours upon receipt of this notice. Failure to do so will result in serious consequences. 

Our attention has been drawn to the fact that the XXXX XXXX XXXX XXXX has levied four serious allegations against you, each carrying substantial legal implications : 1. Violation of Federal Banking Regulation 2. Collateral Check Fraud 3. Theft by Deception 4. Electronic Fund Transfer It is important to note that SPEEDY XXXX XXXX, the parent company, assumes responsibility for all outstanding debts. Regardless of the subsidiary through which the loan was acquired, such as ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Speedy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the main lender retains the right to lodge a complaint and pursue legal action through appropriate channels, including the court. 



To prevent further legal actions, we present the following payment options requiring your immediate attention : 1.A one-time settlement of {$780.00}, leading to a complete resolution of the debt within the next five hours.

2.Weekly or biweekly payments of {$260.00} until the debt of {$1500.00} is fully settled, commencing today within the next five hours. 



We urge you to comprehend the gravity of this situation and take swift action to address it. Failure to do so within the specified time frame will lead to the following severe consequences : Formal filing of the case at the local courthouse. 
Notification of this matter to your employer, bank, and references. 
Garnishment of your wages. 
Initiation of a lawsuit demanding a total of {$8500.00}, not inclusive of attorney fees and any outstanding balance associated with your name. 
Reporting to all 3 major credit bureaus ( XXXX, XXXX and XXXX ), significantly impacting your credit score. 


Our investigations have indicated potential fraud, including unauthorized electronic funds transfers, linked to your IP address. 

By electronically signing the payday loan agreement, you legally agreed to the terms and conditions. Should the court issue a judgment against you, we may seek orders for the seizure and sale of your non-essential assets by a County Court Bailiff or Sheriff Officer.

Time is of the essence, and you have four hours to comply with this final opportunity for an out-of-court settlement. Please respond immediately to this matter by reaching out to us at XXXX, where we can discuss suitable payment arrangements. 



We strongly emphasize against underestimating the urgency and potential consequences of this situation. Failing to act promptly will lead to the swift commencement of severe legal actions against you. 



We recommend seeking legal advice to fully grasp the implications and potential consequences of your decisions. For further clarification or inquiries, please do not hesitate to contact our office. 

Contact us via email at : XXXX your earliest convenience to discuss how we can assist you in resolving this debt. 



Regards, Restitution Head Department of l Debt Settlement Contact : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX. Copyright | Privacy | Terms of use | Carrier Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 56891-140 Copyright 2024 Speedy XXXX loan services| Privacy |Terms of use | Carrier

Company response to consumer: Closed with explanation