Consumer complaint received 2025-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Consumer Financial Protection Bureau XXXXXXXX XXXX XXXXXXXX Washington , DC XXXX Date Submitted : XX/XX/XXXX 1. Consumer Information Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX Phone : ( XXXX ) XXXX E-mail : XXXX 2. Company Information Creditor : XXXX XXXX XXXX XXXX XXXX 
Branch : XXXX XXXX XXXX, XXXX, TX XXXX Representative Involved : XXXX XXXX 3. Product or Service Vehicle Loan/Lease ( XXXX XXXX XXXX , VIN ending XXXX ; License Plate XXXX ) 4. Issue ( s ) Unauthorized Account Debits Improper Repossession Practices Potential Unlawful Use of GPS Tracking 5. Requested Resolution Refund the {$720.00} of unauthorized debits ( three {$240.00} withdrawals ) plus any related bank fees or interest. 

Return or Reinstatement of my XXXX XXXX XXXX, or establishment of a fair cure-period plan to satisfy the remaining {$500.00} balance without additional fees. 

Waiver/Cancellation of all repossession-related charges ( towing, storage, late fees ). 

Compensation for lost wages, transportation costs, and emotional distress ( suggested {$1000.00} ). 

Correction of Credit Reporting to remove any adverse marks related to these events.

Written Confirmation from XXXX  acknowledging errors and detailing corrective steps taken. 

6. Narrative of Complaint Unauthorized Debits : On XX/XX/XXXX, I met with XXXX XXXX at the XXXX branch to arrange payment and vehicle release terms. He asked for my XXXX XXXX  login credentials to process the payment. The following day, XX/XX/XXXX, my account was debited three unauthorized payments of {$240.00} each ( total {$720.00} ) by an entity called XXXX SMStransactions I never approved or recognized. When I reported this immediately to XXXX XXXX, he refused to document the fraud or escalate the matter to his supervisors. 

Improper Repossession : In XX/XX/XXXX, after signing a release agreement and submitting partial payments, I was unabledue to indigenceto tender the final {$500.00} by XX/XX/XXXX. Despite my good-faith efforts, XXXX  repossessed my XXXX on XX/XX/XXXX, without providing any additional notice or opportunity to cure. 

Unlawful GPS Tracking ( Suspected ) : I have reason to believe a GPS tracking device was installed on my vehicle without my consent, facilitating its repossession without new notice. This covert tracking and subsequent repossession appear to violate Texas law governing notice, consent, and fair-practice obligations. 

These combined actions demonstrate a breach of duty of care, potential data-security violations, and predatory repossession practices. 

7. Attachments Screenshots of the three unauthorized XXXX XXXX  debits Photograph of the repossessed vehicles location Copy of my signed release agreement with XXXX  Pending XXXX Police Report ( Tracking ID : XXXX ) I respectfully request CFPB investigation into these practices and relief as outlined above. Please confirm receipt of this complaint and advise of any additional information or documentation needed. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation