Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
FINAL NOTICE OF LEGAL ACTION Case File Number : # XXXX XXXXXXXX Lawsuit Amount : {$9600.00} ( including attorney fees, court fees, and all applicable taxes ) Outstanding Balance : {$1700.00} Settlement Offer : {$770.00} Attorney Contact : XXXX XXXX Email : XXXX Dear Debtor, This letter serves as your FINAL NOTICE regarding the outstanding debt totaling {$1700.00} with SPEEDY CASH SERVICE ( XXXX XXXX XXXX XXXX ). Be advised that SPEEDY CASH XXXX, the parent entity, holds full rights to this debt, regardless of the subsidiary involved. Whether acquired through XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Cash Central Loans, or any other affiliate, the obligation to repay remains, and the primary lender is prepared to pursue legal proceedings through all appropriate legal channels, including the court system. 

Repeated attempts to contact you have gone unaddressed, leading to the accumulation of attorney fees, court costs, taxes, and late charges. As of this notice, should litigation commence, your total outstanding balance will amount to {$9600.00}, inclusive of all legal and administrative fees. This breach of contract leaves us no alternative but to initiate legal proceedings to recover the debt in full. 

To prevent the escalation of this case to court, we are offering a final opportunity to resolve this matter by accepting a settlement of {$770.00} if paid in full immediately, we are prepared to settle this account and close the case. 

Settlement Options : Full Payment : Pay {$770.00} in full to immediately close the case.

Payment Plan : Choose to settle the balance of {$1700.00} via bi-weekly payments of {$250.00} until paid in full. A good faith payment of {$250.00} is required today to begin this arrangement.

Payment Plan : Choose to settle the balance of {$1700.00} via bi-

weekly payments of {$200.00} until paid in full. A good faith payment of {$150.00} is required today to begin this arrangement.

Legal Consequences : Failure to respond within 24 hours of this notice will result in the initiation of legal proceedings, which will include, but are not limited to : Court filing for debt recovery.

Additional penalties and legal fees. 
In addition, please be advised of the following serious allegations under investigation : Violation of federal banking regulations ( XXXX, C ). 
Examination of collateral linked to fraudulent activity. 
Cases of theft through deception under ACC Law 21A. 
Electronic fund transfer violations. 
Failure to comply with this notice could result in the inclusion of your immediate social connections in our legal actions and further investigation into your financial records. For your protection, we are currently safeguarding your sensitive data, including your Social Security Number ; however, continued non-compliance may result in its use in further legal actions. 

To prevent further escalation, you must contact Attorney XXXX XXXX at XXXX immediately to arrange payment. 

This is your final opportunity to resolve this matter voluntarily. Failure to act will result in swift legal proceedings. 

XXXX Sincerely, XXXX XXXX Attorney for Payday Services Speedy Cash XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX, TX XXXX XXXX : XXXX Account Settlement | FDCPA | Sterling Repayments Services XXXX Copyright XXXX Speedy Cash Legal Group of Attorneys | Privacy | Terms of use | Carrier -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX Speedy Cash. All Rights Reserved. This email was delivered by Speedy Cash as a confirmation of your account activity.We respect your right to privacy .This email message contains information from Speedy Cash and is confidential. The included information is intended only for the use of the individual or entity named above. If you are not the intended recipient, be aware that any disclosure, copying, distribution, or use of the contents of this message is prohibited. Speedy Cash operates as a Registered Credit Access Business ( CAB ). The actual lender is an unaffiliated third party. 

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Company response to consumer: Closed with explanation