Consumer complaint received 2025-07-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
# FORMAL COMPLAINT FOR PREDATORY LENDING VIOLATIONS # # XXXX  Lending Act Breach and Consumer Protection Violations # # # COMPLAINANT BACKGROUND AND PROTECTED STATUS This complaint is filed on behalf of a XXXX  XXXX  whose parent served as a XXXX during the XXXX XXXX era. This protected status under the XXXX XXXX XXXX provides specific safeguards against predatory lending practices, which the subject title lending company has systematically violated through deliberate deception and exploitation. 

# # # CIRCUMSTANCES LEADING TO LOAN ORIGINATION In early 2023, the complainant 's family experienced sudden financial devastation when their employer furloughed all employees prior to business closure, leaving them without income for an extended period. Facing imminent eviction and lacking resources for basic necessities, they sought emergency funding to prevent homelessness and maintain essential living requirements. 

The collateral vehicle holds profound personal significance beyond its monetary value. This vehicle was purchased outright several years prior by the complainant 's deceased mother as a gift to ensure transportation security. Following the mother 's death, this vehicle represents not merely an asset, but the mother 's lasting provision for the family 's welfare and independence. 

# # # SYSTEMATIC DECEPTION AND CONTRACTUAL MANIPULATION Despite the vehicle 's assessed value of approximately XXXX XXXX XXXX  in XXXX  company representatives insisted that the original loan amount of XXXX XXXX XXXX  could help out financial hardship if we increased our outstanding title loan balance to XXXX XXXX This forced minimum effectively doubled the required debt burden beyond what the collateral could reasonably secure. Then title XXXX proceeded to inform us after this loan increased by a XXXX XXXX  that our payoff amount has increased to XXXX XXXX and at XXXX XXXX and XXXX XXXX percent XXXX the outstanding balance to this day would be about XXXX XXXX XXXX XXXX XXXX  to XXXX XXXX XXXX XXXX  depending on interest. 

The lender concealed the true cost structure through deceptive representations, including explicit promises that the loan would be completely resolved within XXXX months and that no payments would be required during an initial grace period. These assurances created false expectations that the debt would be manageable and short-term, when the company 's actual business model depends on preventing loan resolution. 

Most critically, the lender concealed the XXXX XXXX and XXXX XXXX percent annual percentage rate until after contract execution, representing a clear violation of truth-in-lending requirements and XXXX XXXX XXXX protections that specifically limit interest rates for XXXX  families. 

# # # MATHEMATICAL IMPOSSIBILITY OF LOAN REPAYMENT The payment structure reveals intentional design to prevent debt resolution. Each monthly payment of approximately XXXX XXXX and XXXX XXXX  was allocated with only XXXX applied to principal reduction while XXXX XXXX XXXX was directed to interest and fees. This allocation made loan completion mathematically impossible within the promised timeframe, regardless of payment consistency. 

When the initial term expired with the balance largely intact due to this manipulated payment structure, company representatives recommended increasing the debt to XXXX XXXX XXXX  through additional borrowing, claiming this would prevent vehicle repossession. By using the extra money borrowed to make the monthly payment which in total was XXXX XXXX dollars however if a XXXX XXXX and XXXX dollar monthly payment only pays XXXX dollars towards the loan and XXXX XXXX and XXXX towards interest then a XXXX dollars only would initially pay about XXXX XXXX and XXXX dollars towards the loan. This recommendation directly contradicted their initial promises while deepening the financial entrapment. 

# # # DOCUMENTED FINANCIAL HARM AND XXXX  LENDING ACT VIOLATIONS Over approximately XXXX months of perfect payment compliance, the family paid approximately XXXX XXXX XXXX XXXX dollars on what originated as a XXXX XXXX dollar emergency loan. With their combined household income below XXXX XXXX dollars annually, these payments consumed a substantial portion of their resources while providing no path to debt resolution. 

As military dependents, they are specifically protected by the XXXX XXXX XXXX 's 36 % interest rate cap and disclosure requirements. The company 's 126 % rate represents a flagrant violation exceeding the legal limit by 250 %. Additionally, the company 's failure to provide clear, upfront disclosure of the true cost structure violates federal truth-in-lending protections designed to prevent exactly this type of exploitation. 

# # # PATTERN OF PREDATORY TARGETING The evidence demonstrates that this title lending company systematically targets financially vulnerable families through emergency marketing, then employs deceptive practices to create perpetual debt cycles. The company 's business model depends not on successful loan completion, but on borrower entrapment through payment structures that prevent debt resolution. 

The targeting of XXXX  families through misleading representations while violating XXXX XXXX XXXX protections represents particularly egregious conduct given the specific legal safeguards established to prevent such exploitation.

Company response to consumer: Closed with explanation