Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCF Intermediate Holdings LLC
State: OH

Complaint narrative:
I received an email on XX/XX/XXXX regarding an old debt ( I do not believe XXXX legally liable for anymore ) with very threatening verbiage such as contacting my employer and threatening to hurt my social status. 

Attention, XXXX XXXX : {$1900.00} We hope this message finds you well. We are writing to inform you about the proceedings issued on your Docket No : XXXX with SPEEDY CASH PAYDAY LOANS XXXX. Despite multiple attempts to reach you via your provided phone number, we regret to inform you that we have been unable to establish contact. As a result, the accounts department has classified this case as a flat refusal to communicate. Consequently, we are now prepared to initiate legal action. We urge you to contact us immediately to discuss this matter further and possibly resolve the situation without the need for legal proceedings. Your prompt attention to this issue is highly appreciated. 



Please be advised that a warning notification concerning these legal proceedings was sent to you on XX/XX/XXXX. As we have not received a timely response, it is imperative that you address this matter within the next XXXX hours. Failure to do so will result in the registration of this case in court. We urge you to take immediate action to avoid potential legal consequences. If you have any questions or need further information, please contact our office at your earliest convenience. Thank you for your prompt attention to this matter. 



This communication serves as a final warning. Additionally, we will be forwarding this issue to your current employer by Email/Fax to ensure they take appropriate actions. Please be aware that your salary and all wages will be subject to confiscation. We urge you to treat this matter with the utmost seriousness and respond promptly to avoid further complications. 



If you have any questions or need further clarification regarding this issue, do not hesitate to contact us immediately. We are available to assist you and provide any necessary information to resolve this matter swiftly. Your prompt attention to this is crucial. 



We regret to inform you that we are compelled to take legal action against you. Upon processing, the creditor retains full rights to notify your employer and your references concerning this matter. Subsequently, a lawsuit will be initiated, amounting to {$8600.00}, exclusive of your attorney fees. It is critical that you inform us of your intentions by the end of today so we may decide whether to hold the case. Failure to respond will result in us submitting the necessary paperwork to your XXXX XXXX sheriff 's department. Consequently, you will be served with a court summons at your residence. We urge you to address this matter promptly to avoid further complications. 

This correspondence serves as your final opportunity to resolve this matter amicably. We have made every effort to address this issue with you, and it is imperative that you now treat it with the seriousness it deserves. Should you fail to take appropriate action, we will be compelled to take stringent measures against your name and social standing, and you will bear full responsibility for any resulting legal consequences. It is in your best interest to address this matter promptly to avoid further complications. By electronically signing this XXXX XXXX through the " I AGREE '' button below, you affirm that you have thoroughly read and accepted the terms and conditions outlined in the XXXX. Additionally, you confirm that you have either downloaded or printed a copy of this XXXX for your records. We urge you to take this final opportunity seriously and act accordingly. 

We are pleased to offer you a settlement amount with flexible payment options to suit your needs. You have the choice between making a XXXXtime payment or opting for bi-weekly payments. 



If you can make a one-time payment of {$1300.00} on the same day, we can promptly close your case file with this amount alone. Alternatively, if you prefer to manage the payment over time, the total amount will be {$1900.00}, with bi-weekly payments of {$320.00} until the full amount is settled. 



We encourage you to contact our XXXX Department at mailto : XXXX you wish to resolve your case outside of court. We are here to assist you and ensure a smooth resolution process.

Company response to consumer: Closed with explanation