Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GVA Holdings, LLC
State: MI

Complaint narrative:
I never received any money from Cash Advance Now they are saying they sent letters and calls. The debt occurred by another company and they are going after me not the right person. 
Show images Division of Cash Advance Inc. Debt Settlement XXXX  : XXXX Outstanding Balance {$1300.00} Offer In Compromise {$400.00} TODAY % Debt Reduction Scheme 70 % Waiver | % Saved {$940.00} Case Id : XXXX Dear XXXX XXXX You are hereby notified that a lawsuit has been filed against your name and social security for XXXX counts of allegations. 



The charges with XXXX XXXX XXXX, pressed on you are : XXXX ) Violation of Federal Banking Regulation XXXX XXXX Collateral check fraud XXXX ) Theft by Deception XXXX ) Breach of contract The affidavit states that XXXX XXXX was monitored online or offline using the e-mail address of XXXX to solicit funds which is owned and operated by " Cash Advance Inc '', who owns and operates more than XXXX online websites, XXXX offline cash store, web portals and all of the sub lenders. 



Basically all the loan companies working under Cash Advance Inc. are ( Cash XXXX XXXX, XXXX XXXX XXXX, Cash Advance, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Cash Advance, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So, it doesnt matter from which website or from which store the debtor took out the loan from, the loan main lender/creditor possesses the legal rights to file a complaint and recover the loan outstanding balance in the court house. 



The affidavit states the loan amount was electronically transferred into XXXX XXXX bank account. The debtor 's bank account used in receiving this loan is reported as XXXX XXXX XXXX At the time of repayment, when the creditor attempted to extract the funds back from your bank account, the XXXX was returned as a worthless electronic cheque. So, as of now rather than the creditor chasing you for the outstanding balance, the creditor has simply decided to write this debt as a loss, as well as declare the loan amount to be stolen, followed by pressing charges against you. 



In prior to filing charges, the creditor collection agency " XXXX XXXX Collections '' has claimed to deliver a letter of settlement to your address which is registered as XXXX XXXX XXXX XXXX MI XXXX as well made several calls to your registered number XXXX Now the affidavit is taken by FDCPA XXXX that means Fair Debt Collection Practices Act under Section XXXX XXXX XXXX. 



Now this means just XXXX things for you : XXXX. ) If you are on any state supervised probation on payroll, then you will need to intimate the officer about this case. 

XXXX. ) If you have any prior convictions including but not limited to worthless cheques, grand theft or money laundering, please be aware that they shall handle this case as a habitual offense as your state is a XXXX tolerance state. 



This is also to inform you that the creditor has all the rights and authorities to inform your current employer about this case and what will be the results and consequences once this case is downloaded and executed with the judgments against you, it is because you have kept your employers name as a security and also as an additional security XXXX more names were used. 



Finally, you have the right to hire an attorney, if you have XXXX or if you can not afford XXXX then one shall be appointed to you. But please make sure that you have someone to help you out regarding this case because once this case is downloaded and executed with judgments against you and if you are found guilty under the bench of jury then you have to bear the court charges as a penalty, and the Amount is {$18000.00} excluding your bail charges, your attorney charges and the due amount pending on your name. 



Finally, your name and Social Security Information would be reported to the XXXX major credit bureaus of USA such as XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ultimately, it would affect your FICO scores by XXXX negative points and your social security number would be blacklisted and you would also never be eligible for all the government benefits and entities. 

According to the orders of the court house the State Investigation Department Officers will deliver all the legal documents to your current employer and that can risk your current job and once the judge opens your case for execution legally tomorrow then these charges will be reflecting on your Credit Reports which will make it very difficult for you to get a new job in future. 



Finally, this case is going to be downloaded in your XXXX XXXX XXXX and your XXXX XXXX Sheriff department on Wednesday, XX/XX/year>, at XXXX pm as per your State Standard Time and after then you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges which is excluding the loan outstanding balance owed to the creditor. 



You can apply for an Offer In Compromise ( XXXX ) And May Choose Payment Arrangement Options Mentioned Below : i ) You can clear this debt in full by paying {$400.00} TODAY or before Wednesday, XX/XX/year> XXXX XXXX XXXX as ( XXXX ) Offer In Compromise to hold the WARRANT ). In this case, you have to send your payment to XXXX Your loan account number is " XXXX ''. You have to mention your loan account number in the email so that they would be able to identify the debt which is getting cleared. 



PAYMENT INSTRUCTIONS Due to so many reported failed attempts to debit this amount from your bank account, the creditor has closed this payment method for you. You will have to take care of this debt using a prepaid card. 

The list of accepted prepaid card are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have to purchase any of the above listed cards for an amount of {$400.00}. You can buy any of these cards in XXXX, XXXX, XXXX, XXXX or any similar stores around you. 

Scratch the card and take a clear picture of the front side of the card showing the card numbers or activation codes. Send the card pictures over to XXXX for processing. Mention Your loan account number " XXXX ''. 

If you do not have the full amount of {$400.00} but you have intentions to take care of this debt then we will suggest you to write an email to XXXX and request them to give you a few days extended time to take care of the debt in full. If the creditor is willing to work with you then your case would be kept on hold until they confirm you have cleared the debt in full or until they confirm you failed to make the payment Finally, Our firm will contact " XXXX XXXX XXXX '' by XXXX Wednesday, XX/XX/year> to confirm if you have settled this debt, if the debt has been paid off then the case will be dropped, if they claim they have not received any payments or heard a word from you, then the charges will be registered in court and you will be served with court papers without any further prior notifications. 








Regards Attorney XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX Debt Settlement | FDCPA | XXXX XXXXXXXX XXXX Statement & Notice : - This email is covered by the Electronic Communications Privacy Act, 18 U.S.C . 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re-transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation

Company response to consumer: Closed with explanation