Consumer complaint received 2025-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I went to California Check Cashing located at XXXX XXXX XXXX, XXXX, CA XXXX, On or about XX/XX/XXXX ( it was a Saturday ) and obtained a payday loan in the amount of {$250.00}. The cancellation portion of the contract states that you are able to cancel the loan without having to pay the interest if you return the cash in the office within 24hrs or the next business day that the loan was originated. On the next business day ( on or about XX/XX/XXXX ) I went into the same location with the total amount of {$250.00} in cash attempting to resend/ cancel the loan. I was denied the ability to resend the loan. I requested that uper management be called as it was in writing via the contract. They refused to take the money and give me a receipt. I expressed several times over a extended period of time that I was in the store front, that I was cancelling the loan. I even expressed that if they would NOT take it and giver proof of payment that I in fact did not owe the money. After what seemed like hours in the store front in effort to resolve the issue. I was denied me ability do so. I requested correspondence from higher ups prior to retreating from my efforts to get them to fix the issue. 
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Fast forward... Towards the end of XXXX XXXX XXXX emailed me letting me know there were changes to my credit. California Check Cashing reported to credit agencies that I owed {$310.00}. I contacted them filed a complaint as this information was not correct and waited for them to reach out after having one of their customer service reps yell at me being very disrespectful upon a call back after pervious who was helping was disconnected. I received no correspondence ; not by email, XXXX or phone. 
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I reached out again after allowing a reasonable amount of time ( well over a month ) due to the rising of more undue hardships because of the situation on XX/XX/XXXX. I was informed that the ticket was closed without anyone contacting in any form still ( not by email, XXXX or phone ) even though I was requested to provide all forms of contact while filing the complaint. They stated they had the wrong number on file and a ticket would have to be reopened. I requested that the person helping me to review notes. He did, stating that I took the loan out on the XXXX of of XX/XX/XXXX. Their notes reflected that ( exactly as transcribed from audio recording ) on the XXXX you came in to pay off and resend loan for {$250.00} and that they explained that the contract she has 24hrs on the next business day to pay it. End of note on record... The individual that read me the notes said which makes no sense because the next business day would have been the XXXX. My response was exactly. That was my point! ( I have a recording of that actual call ) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 
Baffled by the fact that the record reflects those very facts that it wasn't corrected despite their supposed efforts to reach out only by phone to a number that was non existent, I had been a customer for many many years and they never had an issue calling to get me to take out a new loan. 
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At this point I need the issue resolved as I was due to purchase a new vehicle due to the lack of transportation while my mother is fighting stage XXXX XXXX so that I can help her fight it, instead I have been force to rent a vehicle for over a month costing me undue hardship that has extended to my family. Since the original contact effort to correct the issue my medical health has declined bringing about the possibility of life threatening circumstances and excruciating pain physically as I have not been able to seek treatment due to the lack of ability to qualify for financing for service because of the false information that has been reported on my credit, along with other undue hardships. I explained this to the gentleman helping me on XX/XX/XXXX that I would have to reach out to consumers because of all the hardships. He asked me to hang tight... Today is XX/XX/XXXX and I still have not heard anything from them ... causing more suffering and undue hardship so I am filling this complaint.

Company response to consumer: Closed with explanation