Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CBC Companies, Inc.
State: VA

Complaint narrative:
I never took out this loan. It was done fraudulently. I filed identity theft froze my credit and had numerous disputes over the last few years. They keep sending me these treating emails. See below. 

EMAIL : XXXX XXXX From : XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX 

CASE NO : XXXX AMOUNT OUTSTANDING : {$2400.00} Re : Legal Notice - Warrant Issued for Search and Seizure Attention, Despite our repeated efforts to contact you regarding your severely overdue account, we have received neither payment nor any response to our inquiries. This continued silence is unacceptable and suggests a deliberate attempt to evade your financial obligations, much like your prior conduct with the loan company. Be advised that we take such matters very seriously, and your lack of cooperation is escalating the situation. 



Failure to address this matter immediately will leave us no choice but to pursue all available legal and collection actions to recover the outstanding amount. This could result in significant consequences, including damage to your credit rating, additional fees, and potential legal proceedings. We strongly urge you to make the necessary payment or contact us within 24 hours to discuss resolution options. Ignoring this notice will only worsen the repercussions. 



We have made every effort to assist you and resolve this issue amicably, but it appears you are not addressing this matter with the necessary urgency. It is imperative that you respond promptly to avoid further complications. 



Immediate Action Required : Search and Seizure Warrant Issued for Severe Violations of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g, Sec. 809 ( b ) ) and Defamation of Character - Authorized Law Enforcement Declares You Guilty, Seizure Imminent Unless expressly authorized herein, the executing officer is mandated to deliver a copy of this warrant, accompanied by a receipt for any property seized, to the individual from whom, or from whose premises, said property was taken, or to deposit said copy and receipt at the location from which the property was removed. 

The officer executing this warrant, or any officer present during its execution, is required by law to prepare and promptly return this warrant as prescribed. Pursuant to 18 U.S.C. 3103a ( b ), I hereby determine that immediate notification may result in adverse consequences as delineated in 18 U.S.C. 2705 ( excluding delay of trial ). Accordingly, I authorize the officer executing this warrant to withhold notification to the person whose property is subject to search or seizure, as specified herein. 



XXXX XXXXXXXX XXXX XXXX Department has decided to close this account and officially declare it as GUILTY. Should you fail to respond promptly, you will bear full responsibility for any resulting consequences. 



IMPORTANT : You still have an opportunity to resolve this matter outside of court. Kindly follow the resolution procedure outlined below : By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent. Please ensure you have downloaded or printed a copy of this Consent for your records. 



To resolve this case outside of court, we strongly encourage you to contact the Restitution Department at mailto : XXXX as soon as possible. Your prompt attention to this matter can prevent further complications and allow for a swift resolution. 



CREDITOR : XXXX XXXX XXXX 

Regards, Restitution Head Department of Debt Settlement Confidentiality Statement & Notice : This email and any attachments are protected under the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521, and are intended solely for the designated recipient. Unauthorized review, retransmission, dissemination, or any other use of this message and its attachments is strictly prohibited. If you have received this email in error, please notify the sender immediately and permanently delete the message. Please be aware that any unauthorized use or distribution of this email and its contents may result in legal action. We appreciate your understanding and cooperation in maintaining the confidentiality of this communication. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief