Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
These complaint are tie together to under the bigger picture of the criminal law being broken and causing years of damage. From XXXX XXXX XXXX and now into my XXXX threw XXXX  business. 
XXXX XXXX XXXX The truth is, the loan I agreed to was not the promissory note XXXX XXXX XXXX claims. I would have never accepted any loan that attempted to waive my rights or silence my voice with deceptive fine print or illegal clauses. What they are using is not just misleading its criminal. 

I reached out to my old bank to obtain original statements showing payment activity to disprove their version. In response, XXXX XXXX XXXX mailed me a packet of documents Ive never seen before including at least XXXX forged documents that falsely display my electronic signature. These include a promissory note I never signed. 

This appears to be a coordinated system between XXXX companies : Speedy Cash ( the originator ) XXXX  XXXX XXXX XXXX ( first collector ) XXXX XXXX XXXX ( current collector ) They are using fabricated records to report false information to all major credit bureaus. 

I still have the original XXXX one-sided promissory note sent to me by Speedy Cash when I defaulted. In contrast, XXXX version is double-sided, edited, and missing critical elements like : Time and date stamp IP address Document ID E-sign verification trail They also attempted to cut out COVID-19-related references from older records that prove I was current. Their altered documents contain mismatched payment terms, date manipulations, and omit key information. For example, I was paid weekly and that was our agreement but both new and old promissory notes say biweekly, which is false. 

To be clear : This is not a dispute over XXXX form This is a systematic effort to fabricate documents and misrepresent the debt Their mailings contain federally prosecutable offenses under the E-SIGN Act and FDCPA Ive attached : My original promissory note XXXX XXXX A sample of a proper e-signature for comparison The version sent by XXXX XXXX XXXX has multiple layout inconsistencies that confirm it was altered. In my original promissory note, the XXXX code is located at the top right, and the page numbers are properly placed in the bottom-left and increase consistently. 
In contrast, NCAs version moves the XXXX code to the bottom and changes the page numbering style and location. These markers are automatically placed by legitimate systems. Their misplacement is proof the document was manually reconstructed, making it unauthorized, unauthenticated, and legally invalid. 
The document sent by XXXX XXXX XXXX claims to be " XXXX XXXX of XXXX, '' but on the back of that same page, they included more content with no page number at all. The following sheet then starts again at " XXXX XXXX of XXXX. '' This gap in numbering shows that the document was either : Printed incorrectly ( unusual for loan servicers ), or Manually recompiled from multiple sources and not generated from the original digital loan system. 


My original copy is one-sided, clearly marked, and consistent. Their version includes a mismatched back page with no header, footer, or page ID. This inconsistency proves the document was altered or improperly assembled, and not a valid or original contract. 
Over the course of several years, the companies named in this complaint Speedy Cash, XXXX  XXXX XXXX XXXX, and XXXX XXXX XXXX have repeatedly engaged in document fabrication and deceptive debt collection practices. 

They have not only altered the original promissory note, but they have also attempted to use unrelated documents, such as an Open-End History statement, to artificially construct or replace the legal loan agreement. This is a clear pattern of forgery, document manipulation, and misrepresentation. 

These companies are abusing the legal framework designed to protect consumers and are using it instead to commit calculated fraud while hiding behind technicalities. This is not a one-off mistake it is an orchestrated effort to exploit low-income and working-class Americans, particularly through high-interest payday loans and falsified collection tactics. 

As a citizen, I view this as a direct threat to the integrity of the American financial and legal system. These practices erode trust in credit reporting, the courts, and the safeguards intended to protect consumers from exactly this kind of abuse. 

I urge the Consumer Financial Protection Bureau and all relevant agencies to investigate these companies for : Document tampering Forged electronic records Misreporting to credit bureaus FDCPA and E-SIGN Act violations I have submitted labeled evidence of the forged promissory notes, improper page sequences, lack of signature metadata, and a reference sample showing what a true electronic signature record should look like. 

The American people deserve protection from companies who exploit legal gray areas to create false debts, ruin credit, and silence consumers. I respectfully request immediate enforcement action. i am not playing around here.

Company response to consumer: Closed with explanation