Consumer complaint received 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: MS

Complaint narrative:
I just seen where an attorney emailed me and was threatening me with an arrest warrant and etc and his name came back to a United States attorney. The email is as followed. Arrest warrant I'D- XXXX which is going to be released Friday This is about XXXX XXXX Debt Collection and payment not being received. This is the last and final Notice for you. You do not need to reply to this email. If you would like to make the payment then you would have to send an email to our email address at XXXX : XXXX This LegProceedingsing was issued on your Docket Number XXXX with one of XXXX XXXX XXXX Company to notify you that after making calls to you on your phone number we could not get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. CASE NO : XXXX Amount Pending : XXXX We sent you this warning notification about legal proceedings on XX/XX/XXXX, but you did not respond on time so now its high time if you fail to respond in the next 24 HOURS we will file this case in court. Consider this as a Last Notice. And we will be Emailing/Faxing this issue to your current employer to make sure they take strict action against you. Your salary wages will be garnished. Note : This notice is provided to you on behalf of XXXX XXXX XXXX and its parent company and their respective family of companies including XXXX XXXX, its parent company, XXXX XXXX XXXX XXXX XXXX, and all of their respective subsidiaries and affiliates, ( hereafter collectively referred to as the XXXX XXXX Related Companies, we, our, or XXXX ). The Cash Advance Related Companies include, but are not limited to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and all of their respective subsidiaries and affiliates, including those that operate under the trade names XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Check Smart, Check into Cash, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Speedy Cash, XXXX XXXX Rapid Cash, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or any company-owned XXXX XXXX XXXX locations. You or Your means you as a participant in or as a user of the products and/or services offered by a XXXX XXXX XXXX XXXX XXXX ( Choose whatever is appropriate ) Accept the amount of USD XXXX as full and final settlement of the debt if paid within 7 days ( or other appropriate period ) from the date of this letter. ( Or ) Accept installments of XXXX per ( week/Bi-Weekly ) until the debt is fully paid, the first installment to be paid today and thereafter on the first working day of every ( week/ Bi-Weekly ) until the debt is fully paid. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the debt without further notice to you and this letter may be tendered in court as evidence of your failure to pay. Legal action may result in you having to pay legal costs, a nd interest and could impact your credit history. XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX, XXXX Also the other one I got is as followed. NOTICE OF LEGAL PROCEEDINGS Case Number : XXXX Outstanding Balance : {$2400.00} Creditor : XXXX XXXX Time Remaining to Respond : 24 Hours Contact : Click Here Attention : This formal notice is issued on behalf of the Consumer Financial Protection Bureau ( CFPB ) regarding your unresolved debt with Speedy Cash XXXX XXXX now referred for legal processing under Case Number XXXX You are currently in violation of federal consumer lending obligations, and failure to address this matter will result in immediate legal escalation under the jurisdiction of the Fair Debt Collection Practices Act ( FDCPA ) and other governing statutes. If payment is not received or a resolution is not initiated within 24 hours, you may be subject to the following actions : Formal court filing under Section 19 ( A ), Clause 21 ( US ) Reporting to XXXX XXXX XXXX XXXX can severely impact your credit score Employer and bank notification Wage garnishment proceedings Asset tracing and seizure in accordance with FDCPA provisions Civil litigation for the total amount of {$4500.00} ( excluding legal fees ) It is important to note that SPEEDY CASH XXXX, the parent company, assumes responsibility for all outstanding debts. Regardless of the subsidiary through which the loan was acquired, such as ( Speedy Cash XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Check Into Cash, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Rapid Cash, XXXX XXXX Speedy Cash, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Check into CashXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the main lender retains the right to lodge a complaint and pursue legal action through appropriate channels, including the court. To avoid further legal actions, please consider the following payment options : 1. One-time settlement of {$1000.00} Full resolution of debt. ( Savings of {$1300.00} ) 2. Two payments of {$590.00} Total repayment of {$1100.00} ( Additional cost of {$140.00} ) 3. Biweekly payments of {$260.00} Total repayment of {$2100.00} ( Additional cost of {$1000.00} ) 4. Monthly payments of {$300.00} Total repayment of {$2700.00} ( Additional cost of {$1600.00} ) Please note : The chosen payment plan can not be modified once confirmed. No payment plan adjustments will be permitted after confirmation. Failure to respond to this notice will result in the immediate initiation of formal legal proceedings. In accordance with Title 15 U.S. Code 1692, we are authorized to pursue collection through legal means. This is your final opportunity to resolve the matter amicably before it escalates further. Note : Please be advised that we are currently in the process of blocking your Social Security number and notifying all Major Credit Bureaus. This action has been taken in response to the recent security breach that has occurred. We recommend that you monitor your credit reports closely and report any suspicious activity to us immediately. We apologize for any inconvenience this may cause and assure you that we are committed to protecting your personal information Note : Section 19 ( A ), Clause 21 ( US ) contains the legal charges against you. Immediate action is necessary to prevent any further legal proceedings from our department. We demand that you take this matter seriously and address it promptly. Failure to do so will result in severe consequences. Failure to act within the next five hours will result in : Formal case filing in your local courthouse Notification to your employer, bank, and personal references Wage garnishment Initiation of a lawsuit for a total of {$4500.00} ( excluding attorney fees ) Reporting to all three major credit bureaus ( XXXX XXXX XXXX XXXX ), will significantly impact your credit score. We urge you to take immediate action to avoid further legal escalation. If you wish to resolve this matter promptly, please reply using the " Reply All '' option or by reaching out to us at XXXX for an out-of-court settlement. We strongly emphasize against underestimating the urgency and potential consequences of this situation. Failing to act promptly will lead to the swift commencement of severe legal actions against you. We recommend seeking legal advice to fully grasp the implications and potential consequences of your decisions. For further clarification or inquiries, please do not hesitate to contact our office. Regards, Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Privacy | Terms of use | XXXX CONTACT US XXXX Copyright XXXX XXXX XXXX XXXX XXXX | Privacy | Terms of use | XXXX Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 56891-140 I did reach out to them and sent the following trying to come to some sort of agreement but has not been successful. Hello, I am writing regarding my account with your company. I am currently experiencing financial hardship and want to resolve my debt responsibly. At this time, I am unable to pay the full balance or any large payment amounts. However, I can afford to pay {$30.00} per month consistently. I am requesting that you please : Set my account up on a hardship payment plan for {$30.00} per month Freeze or reduce any additional fees and interest if possible Confirm that this arrangement will keep the account in good standing while payments are being made Please send written confirmation of the payment arrangement and instructions on how to proceed. I am committed to resolving this debt and appreciate your cooperation in working with my current financial situation. Thank you, XXXX XXXX Loan number XXXX

Company response to consumer: Closed with explanation