Debt collection -- Took or threatened to take negative or legal action -- Complaint #7504699
Complaint Overview
Complaint ID: 7504699
Company: Ccf Intermediate Holdings LLC
Product: Debt collection
Sub-Product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened to sue you for very old debt
State: Texas
ZIP Code: 77024
Date Received: 2023-09-05T12:00:00-05:00
Date Sent to Company: 2023-09-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Consumer Financial Protection Bureau, On XX/XX/2023 I was contacted by an agency threatening to sue and garnish my wages. I am writing to file a formal complaint against the debt collection agency XXXX XXXX regarding their egregious violations of consumer protection laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), as outlined in Title 15 of the U.S. Code, Sections 1692e, 1692d ( 1 ), and 1692d ( 2 ). 1. False Representation of Debt ( FDCPA Section 1692e ) : I have been subjected to misleading and false statements by an employee of XXXX XXXX named XXXX. XXXX falsely claimed that my wages would be garnished, and additional actions would be taken against me if I did not immediately pay a debt. Such deceptive tactics directly contravene FDCPA Section 1692e, which prohibits false representation of debt. XXXX. Harassment and Unfair Practices ( FDCPA Sections 1692d ( 1 ) and 1692d ( 2 ) ) : Despite the debt in question being over XXXX years old, and thus outside the statute of limitations in the state of Texas, XXXX and XXXX XXXX have engaged in relentless and intimidating communication, amounting to harassment. This behavior is in direct violation of FDCPA Sections 1692d ( 1 ) and 1692d ( 2 ), which prohibit harassment and unfair practices. I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into the actions of XXXX XXXX and take appropriate measures to ensure they comply with the FDCPA and other relevant consumer protection laws. Furthermore, I urge you to take action to protect consumers from the deceptive and intimidating practices that I and potentially others have experienced at the hands of this agency. These actions not only harm individuals but also undermine the integrity of fair debt collection practices. Thank you for your prompt attention to this matter. I look forward to a resolution that upholds consumer rights and holds XXXX XXXX accountable for their violations.
Frequently Asked Questions
What is Complaint #7504699 about?
Complaint #7504699 was filed against Ccf Intermediate Holdings LLC regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2023-09-05T12:00:00-05:00.
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 (Debt collection) 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.