Payday loan, title loan, personal loan, or advance loan -- Problem with the payoff process at the end of the loan -- Complaint #13580086
Complaint Overview
Complaint ID: 13580086
Company: Ccf Intermediate Holdings LLC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Title loan
Issue: Problem with the payoff process at the end of the loan
State: Texas
ZIP Code: 75056
Date Received: 2025-05-18T12:00:00-05:00
Date Sent to Company: 2025-05-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I visited the XXXX store in XXXX, XXXX to renew my title loan under terms previously discussed with the store manager, XXXX, the evening before. She confirmed that I could use the same in-store refinance structure I had used before. However, when I arrived, I was told that option was no longer available and was forced into a renewal requiring full repayment of the entire loan every 30 days. I was not provided any explanation of this change, nor was I allowed to review the contract. I signed once on a digital signature pad, and the employee clicked through all remaining XXXX fields without my review or consent. When I asked if I could view the agreement online, I was told yes. As of todays date, no XX/XX/year> agreement is accessible in my XXXX account. I made a payment under protest to avoid repossession, but I am disputing the validity of the XX/XX/XXXX contract under both state and federal law. I have sent a formal dispute and demand for rescission to XXXX and plan to pursue legal resolution through XXXX small claims court if they do not respond in good faith. For awareness, loan number not accessible due to XXXX failure to provide contract documentation. I am requesting CFPB assistance to investigate this matter and ensure XXXX complies with federal consumer lending and electronic signature laws.
Frequently Asked Questions
What is Complaint #13580086 about?
Complaint #13580086 was filed against Ccf Intermediate Holdings LLC regarding Payday loan, title loan, personal loan, or advance loan specifically about Problem with the payoff process at the end of the loan. It was received by the CFPB on 2025-05-18T12:00:00-05:00.
How did Ccf Intermediate Holdings LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Payday loan, title loan, personal loan, or advance loan) and describe your issue in detail.
Can I see other complaints against Ccf Intermediate Holdings LLC?
Yes, visit the Ccf Intermediate Holdings LLC company profile at readthecomplaint.com/company/ccf-intermediate-holdings-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.