Select Management Resources, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
04/08/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TX 75248	Web
On XX/XX/2023, I took out a loan with LoanStar Title company in XXXX, TX for {$2500.00}. Upon receiving the check from LoanStar, I attempted to cash the check at their bank, XXXX XXXX, in which the bank stated that they could not cash the check due to insufficient funds. I then called LoanStar to inform them that I was having difficulty cashing the check, they proceeded to tell me to try a different bank. Upon doing so I received the same result from a different XXXX XXXX. I then proceeded to deposit it into my bank account with XXXX via the mobile app due to it was XXXX XXXX and the banks close at XXXX XXXX, and it was accepted and then later denied and placed on an administrative hold. I called my banks customer service number only to find out that my account was immediately placed on hold and was frozen due to the system could not verify the validity of the check from LoanStar. The customer service rep with XXXX then proceeded to inform me that more than likely the check will be returned and they would not be able to process it. I called LoanStar back and spoke with XXXX and XXXX to explain to them what happened and XXXX suggested that I should just cash the check at a regular check cashing place and that no one has experienced issues with cashing their checks in the past. By this time, 3 banks, including my bank had rejected the check and I needed the funds to cover funeral expenses. I didn't know what to do next, so I decided to wait to see what will process overnight. The next day, XX/XX/XXXX, I attempted to use my debit card and it declined and said invalid account on the POS system. I called my bank to see why my debit card declined and I was informed that my account was still frozen and the rep proceeded to tell me that my account had been closed due a fraudulent check that was deposited the day before. The fraud department was closed and would not open again until Tuesday, XX/XX/XXXX due to the XXXX was XXXX 's XXXX. I proceeded to go to XXXX XXXX XXXX XXXX in XXXX on XXXX since it was the closest location to where I was at the time and explained to the teller my situation. She asked me if I had already cashed the check at another check cashing location and I answered, no. She proceeded to submit the check to her corporate office and it came back approved to proceed with the cashing process. Fast forward to XX/XX/2023 and I received a called from XXXX XXXX XXXX XXXX corporate office and XXXX proceeded to inform me that the check that I'd cashed from LoanStar ( Wellshire Financing ) was returned as already being cashed. My account with XXXX was still frozen and the check had not cleared my account and again I was informed that it was on an administrative hold due to the check was not verifiable. XXXX 's is asking for their money back and nothing had cleared with my bank, and it looks as though I would be out of pocket {$2500.00} with a closed account and not able to access any of my payroll or deposited funds. I had kept in touch with LoanStar throughout this ordeal and there wasn't much help provided other than XXXX forwarding me a copy of what appeared to be a cleared check from his bank. I thought the cleared check was from XXXX XXXX XXXX XXXX due to this was the only place that successfully cashed the check. In mid XXXX, my XXXX account was finally restored and they manually released the {$2500.00} check that was submitted via mobile deposit. I then contacted XXXX on the XXXX to setup with XXXX XXXX XXXX XXXX to set up a time for me to come by and disburse the released funds. She'd informed me that it would be an additional {$30.00} for the returned check. On XX/XX/XXXX, for no reason and without any explanation, LoanStar towed my car away. I thought it had been stolen so I reported it as such. Upon speaking to LoanStar, they towed it because they said I was extremely late on my payment, which the payment was just due on Sunday, XX/XX/XXXX. I called into their office on XX/XX/XXXX and informed XXXX that my payment would be a little late on the XXXX due to I had just recently regained access to my banking account again and she stated that my account would be notated and that there would be a late fee accessed, and I stated that this would not be a problem. By this time, I did not have transportation and I had been in constant communication with LoanStar 's travelling Supervisor in which she proceeded to inform me that their legal office actually towed my vehicle due to the check being cashed at XXXX 's and that they had to pay XXXX 's check themselves. I had been in contact with XXXX at XXXX 's and she informed me that this was not the case. On XX/XX/XXXX, I went into LoanStar and paid the entire balance off and was handed my title to the vehicle and XXXX informed me that her supervisor would contact the towing company with the lien release for me to be able to pick up my vehicle. I proceeded to the towing company, XXXX XXXX in XXXX XXXX, TX, only to be informed that LoanStar had in fact ordered my car to be auctioned off on XX/XX/XXXX ; less than 7 days after towing my vehicle. I called LoanStar back and spoke with XXXX again and she then proceeded to tell me that " Oh yeah, we ordered this yesterday, " I'm sorry, my system didn't update while you were here ''. I called the auction location and they informed me that LoanStar needed to release the vehicle, in which LoanStar refused to do so even after I paid the account in full.
11/15/2017	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	IN 46226	Web
Hello, I will keep this short and sweet. XXXX XXXX in XXXX XXXX is where I unfortunately had to take out a loan. There was an emergency and I had no other option. I asked for {$2000.00} but really needed {$2500.00}. I was given {$2500.00} to my surprise. Now XXXX is who I worked with and she was acting so weird towards me that she made me uncomfortable, like she was nervous about me being XXXX. Sometimes, you can just tell. I even had to ask her if the area was friendly because I needed gas and she said " Before dark '' ... Really?! Anyway, she told me about the repayment plan. She wants me to pay {$640.00} per month for 2 years so by the end I would have paid back over {$15000.00}!! The interest is 304 % which I believe is illegal in XXXX according to the lending laws. I live in XXXX and I know that XXXX has been trying to implement new laws that prevent XXXX from advertising to its residents, luring them over the state lines and then charging outrageous and unethical amounts of interest but using XXXX to do their dirty work. They use XXXX tow trucks for repos and XXXX auctions to sell the cars for them and they get the money for it ... smh. Well I had no choice. But since then I separated from my job through no fault of my own. Federal organizations are involved to seek justice for me. So I have no income to make any payments. This is COMPLETELY unexpected. I am kinda freakin out because I have several job leads and I will definitely need my car to get to the jobs. Plus, I have some XXXX XXXX and the shock and stress of potentially losing my car to those sharks is harming me physically. I have been in the XXXX XXXX XXXX XXXX in bed XXXX Now, I am not saying that I wo n't ever pay them, but I did explain this to their corporate manager, a nasty, rude man named XXXX XXXX I offered a compromise. It 's almost tax season, I 'll be getting my tax refund in less than 90 days which will FLY by and I am willing to pay a settlement of a reasonable {$2800.00}. I think that is more than fair. BUT, here 's the kicker that may prove the contract null and void. According to the XXXX laws, they can not charge me more than 36 % of my monthly income. I wondered how in the world they came up with {$640.00}, then I realized that XXXX manipulated the numbers. I was asked if I worked 40 hrs/week. I put down 40 on the app but explained that it is not a guaranteed 40. I had my paystubs with me that would prove this and asked if she wanted to see them and she declined. Hmm weird. To get a monthly payment of {$640.00} I would have to make $ XXXX. 36 % of that is {$640.00}. According to my paystubs I definitely did n't make that. It 's actually closer to {$1400.00} which would make my payments $ XXXX which is a reasonable amount. But since she was demanding {$640.00} from {$1400.00}, she was demanding 62 % of my monthly income which in NO way, shape or form is legal. She guestimated that if I worked a full 40 work week and brought home an even $ XXXX she could charge me $ XXXX. THAT is sooooo not the case. She lied on the documents to get me approved for a loan I clearly should n't have qualified for. No one in their right mind would grant me a {$2500.00} loan on a monthly salary of {$1400.00}. They are sharks. Horrible people who pay their bills by preying upon low income minorities like myself. The whole system is a sham and they should be put out of business. They have SOOOOO many complaints on them including the BBB. Honestly based on this info our contract is void and they need to return my title asap. They forced me to sign an arbitration document so I ca n't take them to court, then XXXX claimed I signed a Privacy agreement stating that they did not have to disclose their business practice policies to me. Umm where is it because I do n't have that document. Please see this from my point of view. They set me up for failure from the jump. XXXX was so rude to me on the phone and XXXX so off-putting that I believe they have issues with minorities and deliberately trapped me because of their own prejudices which is also illegal. They want me to pay them $ XXXX for 2 yrs on a car that I own with a value of only {$1100.00} ... XXXXThe Fraud! Please get me out of this. My only two options I am willing to agree to is A ) They accept my {$2800.00} offer that I will pay with my tax refund or B ) The contract be voided out due to their breach of overcharge and XXXX discrimination. They are going to try and deny all of this because that 's what they do, they are professional liars. Therefore, I want NO contact with XXXXt at all. All communication can be through your office. Thank you!
12/07/2022	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 76028	Web
I lost a job due to covid and was forced to start my own small business as a XXXX XXXX I decided to change my life and be a part of my community` and employ fellow XXXX and teach them a trade at the same time that I was providing a service to my neighbors. The biggest asset to my company was my vehicle. My truck gave me the ability to get to jobs carry needed material, pick up my help. I made a simple mistake that was do to a pushy overwhelming process when i walked into LoneStar title loans. I asked for XXXX and she kept insisting i take the XXXX amount of almost XXXX dollars. When the representative was on the phone trying to get more money, she kept telling the lady that it was a XXXX XXXX and kept laughing. I know now what they were laughing at. It was the XXXX that was going to sign away his life line. I was under the impression that I was paying XXXX back in finance charges because she kept saying that it was XXXX or XXXX XXXX percent interest rate. That in fact was true however the amount that I am supposed to pay back totaled XXXX at XXXX a month. She gave me a contract that i barley could read due to the printer that was running ink and was not formated or aligned correctly. I signed and wouldn't you know it, a few days later i was in the hospital. I had to have my XXXX removed and could not heal from the XXXX It took me at least a month the get to a point I could actually get some physical work done. I contacted them and they did not care. All i got from them was threats of coming to get my truck. The preyed upon my bad situation and bullied me into taking a loan that no one in their right mind could pay back at XXXX plus a month. I did a little research and found out the bank did have the lower apr but the XXXX party Lone Star title Loans was charging all the money as i guess finders fee. When I asked them about the high amount she laughed at me at told me her company was big enough to either get away with the charge do to their ability to know the law and being a large corporate company they knew the laws and what exactly they can and can not due. My only option was to trade in my truck to get them paid off and maybe have some equity in the truck to be able to finance another one. Between my bad credit due to covid and hard times. I could not get another financed. On top of everything LoanStar title loans kept harassing the dealership that I was trying to trade in and finance another vehicle from. I was embarrassed to say the least and it had to look bad. I never gave them permission to discuss any of our business with what I hoped was going to take my truck as a trade in. I finally went and brought my truck back to my house and I guarantee that tonight a tow truck will pull up and complete the nail in my coffin. I understand why they were laughing on the phone when she was talking about how nice the truck was. I made a single mistake because I was mislead and Exploited by the very essence of the word. I am lost and need help and do not know what to do. All my hard work was for nothing. I feel like a failure to my family to my son to everyone due to a company set up to kick people when they are down. I thought that me providing a service to our community was the way our country was founded. I thought I was the backbone of America but that is not so. The hard working american men and women are nothing but expendable poor struggling have nots that can be taken advantage of. Sad, during scary hard times we were there to do our part. XXXX XXXX XXXX XXXX that didn't stay home when the entire world was scared of covid. We were told we are a essential part of our economy and if we do not risk our health and go out and work our economy would collapse. So my fellow XXXX did exactly what we always do, we put our heads down and did our part to help our economy and our country. The first responders get the credit as they deserve what do we get as XXXX XXXX XXXX XXXX XXXX owners we get Exploited and bullied into signing bogus confusing papers with misleading information. I need help to keep my truck and my ability to do my part in the pursuit of happiness and provide for my family. I am ashamed of my mistake and only write to you so that it might help someone else down the road that is in the same situation that I am in, so they do not ruin everything they have worked so hard for as well. Please not only help me help my neighbors and american people. Stop these people that exploit and profit off of peoples misfortunes.
07/28/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	IL 60016	Web
Hello : I took out a Mid-West Title Loan on my car XXXX XXXX, XXXX, for {$600.00}. I have paid {$1000.00} + {$95.00} to the State of IL at application. My payment was XXXX for 24 months at an interest rate over 300 %. I was to keep the loan for one month until I received my commission from the sale of insurance. I was to pay the car title loan off, about {$700.00} plus, which I explained to the Store Mgr. & his trainee. I did not get my commission, but only a very small percentage of it. I was told that I would receive the balance in XXXX, XXXX. I made my XXXX, XXXX payment on time but from XXXX, I made it on the XXXX through XXXX XXXX. I requested a new due date from the XXXX, to the XXXX of each month because, my social security retirement funds do not come until around that time of the month. The store manager repeatedly said NO! So, I just paid on the XXXX each month, XXXX, XXXX on the XXXX of through XXXX monthly. I escalated my request to talk with a higher-level mgr., a XXXX XXXX XXXX I offered to pay an extra monthly payment over three months. After I thought about it, it did not make sense. Because only an amount less than a dollar would go toward the principal, the rest of the payment would go to interest. When the XXXX XXXX payment came due, I wrote First Mid-West Title Loans, via text, offering my car to pay off the balance. I sent three text messages to the office on XXXX XXXX, Mid West-Title Loans and my message was not acknowledged. I only got a message asking how much time I needed to make my monthly payment. My text message about payoff with my car as collateral was totally ignored. Their text response stated sarcastically that they were not in the business of picking cars up. So I texted XXXX, the sr. manager, and have yet to hear anything from him. However today, I find out that they have been harrassing my sister, a reference I gave on my application. I believe that Mid-West Title Loans are probably harrassing other references, defaming my name to try and pressure me to continue making monthly payments which I can not do. I have to provide food, shelter and other basic needs for myself. But I do want to settle the pay off by GIVING THEM MY CAR ( THEIR COLLATERAL ), When I first got the loan, I had just made my first sale and was looking forward to the commission. I mentioned this several times to the store store manager and his trainee, that I would pay it off in 30 days with my commission I 'd be receiving by the end of XXXX, XXXX. I again, explained this to the sr. mgr., to the store manager & his trainee & when I had requested a due date change. I know that any contract can be amended if both parties agree - Mid-West Title Loan, aka XXXX XXXX XXXX, where the text messages originate from and they are also XXXX XXXX Bank. ( It is public knowledge that this bank was involved in laundering drug money like XXXX bank did ). I have endured harrassment for six months. On the XXXX and XXXX and XXXX of each month, I get a call asking for payment, before the payment is even due. On the XXXX XXXX, I received a text message stating the payment woul be {$270.00} and that the pay off for XXXX will be " around '' {$860.00}. The female person who called me on XXXX/XXXX/XXXX was angry, raising her voice throughout the call, speaking to me as if I were XXXX XXXX XXXX with a learning XXXX. And in the text message that I received from Mid-West Title Loan, she and her colleague XXXX speak to me this way. It took the Store Manager and his female trainee 3 months to connect me to their manager, after repeated requests. He is XXXX XXXX, XXXX, in XXXX. I received the loan at the store on XXXX XXXX XXXX, XXXX, or XXXX XXXX, IL. On XXXX/XXXX/XXXX, the pay off is now {$980.00}. They refuse my repeated requests to show me how interest is calculated. Pls. expedite pay off as of XXXX/XXXX/XXXX.
07/29/2016	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	KS 666XX	Web
I tried to contact Loan Max after receiving a letter of sale of my vehicle one day before the sale takes place by law they are supposed to give me 10 days before the sale notice of sale I asked him how I could reinstate my loan since I could n't do the Redemption process and they said it 's not available they ca n't reinstate my loan and I have to pay the full amount {$3500.00} then I look up other ways to get help as far as are my rights and the contract they charge 270 % interest which is against Kansas state law where they can only charge 37 % interest then an additional 3 % interest if the loan is renewed or rolled over each time they are not trying to work with me the manager would n't really help me that much and I 'm pretty depressed because I could n't pay the payments because they knew I was on XXXX receiving {$740.00} a month to take care of me and my XXXX kids reason I took out the loan in the first place was to pay bills and to get tires for the car they told me I could come in and renew the loan and they could give me some more money the following month and I needed to do that and so I did but they told me that I had you know I could pay it off in a long. Of time after looking at the laws they are only allowed I think 3 months to pay it I did not know that I did not know it needed to be paid back in 30 days I had ended up going to have emergency XXXX for an XXXX with XXXX and so I fell into XXXX as well as being poor already stressed out and the Repo Man showed up to my house beating on the door and threatening us and then he communicated by text that I need to surrender the vehicle then surely got the vehicles gave to them and then afterwards as he drove off he sent me text how cute I was and then if I needed a ride I ca n't get a ride then next day he said how am I doing everything else he kept trying to contact me it really stresses me out because I 've been under a lot of stress already and I 'm kind of upset they told me they could n't guarantee that my car would n't be sold and I 'm really upset about this because I 've been trying everything that I can do to work with these people they 're quick to give me a loan but they 're not quick to follow the law they are not quick to follow their own guidelines the Kansas law states I have the contract needs to be in at least XXXX font minimum and print then it 's not where you can barely read half of it like I said they just did n't give me proper notice is by mail before the repossession started dating give me noticed it 's just been a big mess I really need some help and I mean I really already have nothing I was willing to try to give them money soon as my student loan stopping or excess funds came in and I would be paying them some extra money I have been able to get my car back but they wo n't hold it for me and they 've also broke the law with the contract by being unfair and using their own guidelines instead of following Kansas guidelines I tried to contact long loan max after receiving a letter of sale of my vehicle XXXX day before the sale takes place by law they are so post to give me 10 days before the sale notice of sale I asked him how I could reinstate my loan since I could n't do the Redemption process and they said its not a able the ca n't reinstate my loan and I have to pay the full amount {$3500.00} then I looked up other ways to get help as far as or my rights and the contract they charge XXXX percent interest which is against Kansas State LA were they can only charged 37 % interest then and additional 3 % interest if the loan is renewed or old over each time they are not trying to work with me the manager would n't really help me that much and I 'm pretty depressed because I could n't pay the payments because they knew I was on XXXX receiving the {$740.00} a month to take care of me and my XXXX kids.
10/08/2017	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	OH 453XX	Web
I borrowed a title loan of {$1500.00} in XXXX of XXXX, The process was confusing. Not Explained correctly. When it came time for the 1st payment of {$400.00} XXXX XXXX, I called many times to see how I could avoid paying back a high amount. No one would return my CALLS, I made my first payment, I tried calling to make arrangments and to see how I could pay at the lowest amount possible to get my title back and car paid off? Again no one returned my calls. On XXXX/XXXX/XXXX they repoed my car. I called to see how I can get my car back so they do n't sell it? I spoke to XXXX she told me I had only TWO options to Pay {$1300.00} that included cash payment to repo company or pay the loan in full {$2800.00}. Those was my only 2 OPTIONS I had no other choice. I had to borrow money on XXXX/XXXX/XXXX I went in to Loan XXXX XXXX XXXX and paid $ XXXX amount applied to fees {$350.00} amount applied to interest {$120.00} amount to principal {$880.00}. It was then explain to me I had to start the loan process over with a new contract. The money and amount I paid this far of {$1700.00} is just gone. That was the only way to get my car back! That was n't one of the 2 options given to me on the phone XXXX/XXXX/XXXX when I called to see what I needed to do too get my car back! They want me to make 4 payments of {$400.00} and 5th payment of either {$400.00} or {$1900.00} once again they could n't explain the process. I did n't have a choice they would n't give me my car without sign a new loan agreement and I have to call on XXXX/XXXX/XXXX to set a appointment to get my car back and miss a another day of work. When I returned home My wife Called questioning why they are making us start completely over they could n't explain. Then she ask What is the payoff amount in 30days XXXX XXXX her XXXX which is basically almost the same amount of the 5th payment. It did n't make since he could n't explain it. So the new terms they Are trying to force on us is 4 payments {$400.00} due XXXX and a 5th payment on XXXX/XXXX/XXXX not really sure of that right amount no one could give me the right answer to payment back the lowest amount possible, and to avoid it going past the 5th payment and paying back {$3500.00}. This is a scam they have people not explaining it right or how it works your never given the same information, I should n't have to start the entire process over cause now I had to borrow money again on top of the {$1500.00} I borrowed from loan max I borrowed {$1300.00}. so Now I am paying back twice as much again already and they are trying to get me to pay them 3times the amount. My orginal loan documents our in my car that I ca n't pick up until Monday. I only have the new documents they are trying to force me to start over with now. I do Not want to be robbed any more. I should n't have to start completely over again I want to keep my orginal agreement, and 5 payments of pay off amount {$1900.00} this is what XXXX explained the day XXXX got the loan. When My wife called on XXXX/XXXX/XXXX he basically said the same. So far I have paid them {$1700.00}. My orginal terms was first payment XXXX then XXXX, XXXX XXXX and XXXX and I would have been done paid off got my title back according to XXXX XXXX So I paid {$1700.00} I completely want to settle with a final payment of {$140.00} on XXXX/XXXX/XXXX get my clear title back. For the violation of R.C 1321.10 on top of the 3 days of work I have missed and now I have to drive 2 hours away to pick my car up on top of it! I just want this over with loan max so I can start paying back on the loan of {$1300.00}! I just want this nightmare over! Moving forward I give everyone permission to discuss everything with my wife XXXX XXXX,
11/11/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Struggling to pay your loan	MN 550XX	Web
XXXX i was contacted by loanmax in XXXX XXXX and asked to convey a message on their behalf to someone who i know that put me down as a reference and an authorized payee. i contacted XXXX XXXX who the loan belonged to. on XXXX loanmax called me asking to either contact XXXX XXXX on their behalf and tell him he needs to call them. loanmax also asked me to make a payment on his behalf which i told them that the only way i would is if they turned over possession of the vehicle with a free and clear title in my name with no additional surcharges, fees, or tow bills. i gave them 13 days to respond in which they didnt. XXXX i called loanmax and asked them to produce XXXX XXXX truck, or a cashiers check in which they refused, the branch manger informed me that the manger from the XXXX was no longer with them. then i attempted to make a partial payment on my fiances loan as well which they denied payment for by phone in which the branch manager proceeded to threaten to call me every day to harass me for payment in which they denied. then the manager hung up on me. i called the following agencies for assistance. 1 ) XXXX XXXX XXXX XXXX. was given this website and told to fill out the complaint forum against loanmax agency. was also told to file a complaint through their website as well. 2 ) XXXX XXXX XXXX XXXXwas refered to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX was refered/ transfered to... 4 ) XXXX XXXX XXXX XXXX XXXX XXXX i explained to them what happened and they told me to fill out their complaint forum because what loanmax did was unlawful to ask payment of me for XXXX XXXX vehicle, and that it is also illegal for them to deny payment even if its only for a dollar XXXX vehicle that im cosigner on. and that the threats of daily calls and harassment are illegal by XXXX law. XXXX loanmax sent a text message with threats of escalating XXXX account if we did not contact them i called loanmax again at XXXX. and asked for the branch manager who hung up on me before. i informed her of this information in which her responses were they could remove me from XXXX conacts as they refuse my terms and conditions of payment, which was notated in the account from XXXX, but never denied until today. she was also informed that it is illegal for her to deny any payment i tried to make as cosigner on XXXX account in which she claims we can not take them to court according to the contract they had us sign with them and denied that the text message was not retaliatory and that it was a part of their normal process. i asked her if they sent the same messages and phone calls to XXXX XXXX account, the manager declined to respond or comment on that question. and stated if i knew what i was talking about legally that i would obey their policies, even after being informed of their unlawful activities and documents, then again hung up the phone on me. i submitted my complaint with the XXXX XXXX XXXX XXXX XXXX, im sending this compaint to you the consumer financial protection bureau, and i will have submitted my complaint with the XXXX XXXX XXXX XXXX XXXX by tomorrow morning at the latest. i also am in possession of some documents as well as recordings with this agancy and its branch manager from both phone calls along with the text message attempting to escalate the account. tried contacting both the XXXX and XXXX attorney generals neither of which have currently responded yet.
01/06/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	MD 20854	Web
I obtained a {$1500.00}, loan from XXXX XXXX XXXX, on XX/XX/XXXX. The loan processed was hastily done, as I had arrived less that ten minutes to the location closing time, that was XXXX XXXX. Also the loan processor was pregnant almost due and was overwhelmed with fatigue. Little did I know or did she explained that said loan maturity date was XX/XX/XXXX of the next month meaning I had 30 days to payoff the loan plus the interest, she basically mention the monthly payment of approximately {$620.00}. Upon my arrival home from the loan location, and carefully reviewing the contract I was gravely shock on the interest rates, including the amount of payment and the time. I called back the next day, hoping to work out a longer time and a better interest rate, on the loan. I was advised it would n't matter I will still have to pay the designated amount. I thought to just pay it off. After almost completing the amount I borrowed I then requested account balance, then I was informed all the payment made thus far was interest the loan itself is still outstanding. I was shocked we had couple of arguments over the phone, and I requested another option of settling the loan, an option XXXX rejected. My husband was never part of the loan, neither was his information or place of work used on the application. On XX/XX/XXXX, my husband used my vehicle a XXXX XXXX, the vehicle title I had used on the loan transaction and parked at the XXXX XXXX XXXX XXXX parking. This is a secure parking with guarded gate, fence and you also have to have been cleared with an airport badge, to access said facility. A specific towing company called " XXXX XXXX '' operates the parking in collaboration with XXXX XXXX police, if necessary to have an unauthorized vehicle towed the police will issue a permit & warrant to have XXXX XXXX tow a vehicle from the parking. However, this was not the case, XXXX used an unauthorized towing company to infiltrate the parking facility and stole my vehicle. Police at the airport confirmed there was n't any request or permission to have this vehicle towed. They also stressed how the company actually had total disregard for the rule of law, by engaging in such act, it also demonstrate a lapse in security at such a highly sensitive location. The police had to painstakingly go through security camera to investigate and provide information on the vehicle location disappearance. I reached out to XXXX XXXX XXXX, after the police informed us of the illegal repossession of the vehicle. Their response was you owe us {$5300.00}. you 'll have to pay that amount before getting your vehicle. There was a serious breach of the peace in seizing my vehicle. A breach of peace that constitute a gross violation of a creditor seizing a property from an alleged debtor. XXXX action in accessing the vehicle, including the interest rates, time & terms of said loan clearly in-act a deficiency judgment. I am submitting said complain to your kind offices for proper redress/adjudication, as I currently do n't have a vehicle and facing numerous challenges in getting around. Ive also attached the contract, my FTC complaint receipt, and contact for the police officer that handled the case. Please feel free to contact me with any questions or comments. Best Regards, Complainant
09/25/2021	Yes	Payday loan, title loan, or personal loan Title loan	Received a loan you didn't apply for	PA 190XX	Web
On Thursday, XX/XX/XXXX of XXXX, I saw my XXXX XXXX XXXX XXXX missing from my driveway. I contacted XXXX and the dispatcher notified me it was listed as being repossessed. Dispatcher instructed me to call XXXX XXXX XXXX XXXX, at XXXX. I explained I own vehicle outright, never had a loan on it so it isn't possible it was repossessed. I called number given, it was disconnected. Called back XXXX and they put in for XXXX XXXX Police to call me. Officer XXXX contacted me about an hour later. Provided him the information. He called me back 15 minutes later with correct number to XXXX who confirmed having my XXXX I called XXXX immediately after at XXXX. Had to select 2 to speak to operator. She confirmed they have my XXXX, that I needed to call XXXX XXXX XXXX since they ordered repossession. I called XXXX at XXXX and spoke to XXXX. I explained I owned the XXXX, never a loan on it. Plus I advised her I filed Bankruptcy XXXXXX/XX/XXXX of XXXX as advised by my attorney at XXXX XXXX XXXX. After 15 minutes on hold, XXXX stated they were looking into this " mistake '' and she will call me back. XXXX called me 40 minutes later at stated they contacted XXXX and completed the paperwork to have my " unit '' returned to me. I contacted XXXX and they confirmed they would return my XXXX back in a few hours. I contacted XXXX as advised by my attorney to see what reason was for taking my vehicle since there is nothing listed on my credit report regarding this. XXXX from XXXX referred me to their client, Select Management Resources Bank. I called Select at XXXX. Select referred me to their client, Northeastern Title Loans at XXXX. I spoke to XXXX at Northeastern. XXXX searched the account information by me XXXX Vin number ( which was same way other creditors above had to search it by since not under my name ). The Vin number is attached to account number XXXX in the amount of {$8800.00} for a loan opened in XXXX. I bought my XXXX outright from a local dealership in XXXX by cashier check from bank. I have Title and proof of purchase with pink slip. No notices or any attempts to collect a debt regarding this vehicle were ever sent to me or reported to me and first brought to my attention after many phone calls to find my XXXX XXXX XXXX when it went missing on XX/XX/XXXX of XXXX. I fear this loan is going to be attempted to be put on me for owning it even though I never had a loan for it. I was a victim of identity theft which I reported to the FTC earlier this month in XXXX of XXXX since someone tried to open bank accounts under my previous married last name which I had changed since XXXX. Not sure if because my Bankruptcy is publicly filed or if scam to collect under my bankruptcy. My vehicle was returned by XXXX on XX/XX/XXXX but there is damage on front from being pulled from my driveway without the keys. XXXX was nice but they falsely reported damages being listed on all sides of my vehicle when there is not ( as you can see in photo ). This loan is false and needs to be removed from my vehicle and myself since I never had one or received any notices of one prior to my vehiclebeing illegally repossessed.
10/18/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	KS 66212	Web
This is the attached letter sent to XXXX XXXX, Attorney for Anderson Financial DBA Loan Max. Loan Max did not clearly disclose to me and here is her reponse to me.. XX/XX/XXXX Anderson Financial Servicers Attn. Attorney XXXX XXXX On XX/XX/XXXX, per our phone conversation, I stated I would respond to you my position concerning your proposal. Your proposal for each vehicle you are proposing a {$75.00} payment per month beginning XX/XX/XXXX and ending XX/XX/XXXX, with a lump sum payment of {$970.00} on XX/XX/XXXX, for the XXXX. As you know there was a payment submitted XX/XX/XXXX of {$220.00}. This should have brought the principle amount to {$740.00}. Concerning the XXXX vehicle, you are requesting the same {$75.00} per month payment for the next three months with a full payment due {$1800.00} due XX/XX/XXXX. The original principle amount was {$1500.00}. As you know, in my complaint listed with the XXXX, there is not enough disclosure concerning the details of the loan. With that said, I would like to propose a monthly {$100.00} per month for the entire balance including interest for next 24 months. Please let me of your response. Truly Yours, XXXX XXXX XXXX Here is Attoney XXXX XXXX 's response. She is not willing to accept my latest proprosal which would be much more affordable to me. Instead she is making a demand that I accept her proprosal and issue a payment for both vehicles by XX/XX/XXXX. I need something that is more affordable than what she is proposing. Dear XXXX XXXX, The company operates in strict compliance with state and federal laws and has committed no wrongdoing. The terms, conditions and cost of the loans were fully explained to you by the company 's personnel, as well as on the loan documents in compliance with the Federal Truth in Lending Act. Based on the monthly income and expense information that you entered on your applications, the loans ' schedule monthly payments were within your ability to repay. At no time did you indicate that you were confused or did not understand the terms of your loans. On XX/XX/XXXX, you borrowed {$1000.00} using your XXXX XXXX as collateral for the loan and to date, have submitted one payment of {$260.00}. Also, on XX/XX/XXXX, you borrowed {$1500.00} using his XXXX XXXX as collateral for the loan and to date, have not submitted any payments. Despite your contentions, the company has made every effort to work with you ; however, he have been uncooperative. Notwithstanding the above, the company is a consumer focused lender and is always willing to attempt to work with customers as opposed to repossessing a vehicle. Thus, in a good faith effort to assist you, the company is willing to settle your accounts for reduced rates as set forth in the attached agreements. If you are interested, you will need to sign both agreements and submit your first payments by XX/XX/XXXX. If you have any questions or concerns, please feel free to contact me. XXXX XXXX Assistant General Counsel Select Management Resources , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Tel : XXXX Fax : XXXX Cell : XXXX
05/04/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	OH 44720	Web
On XX/XX/2018 I was a victim of predatory lending. I cant work due to medical issues and at the time my boyfriend had been out of work for 8 months but had just been hired a few days prior with a company as an outside sales rep. My boyfriend asked that we go get information on a title loan because my car was the only car with a clear title. We were desperate because our electric was off and we were in the process of being court ordered evicted by the town house company that we paid rent to. We were 60 days late and our rent is XXXX per month. We would have the money soon but not in time to not have to deal with being kicked out and have nowhere to go. Anyways I was lied to by a LOAN MAX TITLE LOAN employee, and rushed to sign all the paperwork without going over all of it. I was honest with the employee XXXX. From the beginning and told her I did not have an income other than my cash assistance I recieved which was only XXXX per month. She said I would not be able to get the amount I needed based on my income but than she asked my boyfriend his income. He told her about just getting hired and what he would be making and with out asking us she went ahead and used my boyfriends income but the loan was in my name because I was the one with the clear title. Then she went over paper work as fast as she could and I asked if she would at least make my boyfriend co-signer so I would not get stuck having to pay it all if he decides not to help me with payments. She told me she did not make him the co-signer because we lived together and living together made him just as liable for the loan as making him co-signer. I told her I wasnt comfortable with the loan being taken out in my name using his income because I did not want to get stuck owing all the money because he was not added as co-signer. She took none of my boyfriends info, just used his income as if it was my income for the loan writers. I asked her to make him co-signer and she told me that we did not need to do that. Then I was talked into signing and I did not want to be homeless so I went with what she said about us living together and signed. A month later XX/XX/18, the loan was due and my boyfriend said it was not his loan becasue only my name was on it. I called loan max and explained everything and they told me I was liable fo the loan. I said I was a victim and they said well if you lived together she was allowed to use his income. so ever since XX/XX/2018 I recieve daily calls, voicemails and texts. The voicemails is the woman that did the loan for me and she demands that I call her back today, almost every day and says that as long as I still have a past due balance I am going to hear from her every day and my car is no longer secure. I have tried to work with them by paying a much lower monthly payment but they refuse to budge on what is currently owed and refuses any other kind of repayment plan and each day my loan increases in interest because they wont let me pay much smaller amounts each month. I was honest with them about not working and they dont care.
03/23/2023	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	NV XXXXX	Web
In late XXXX I applied for a title loan with loanmax in XXXX XXXX Nevada. On the first day I was told that I was approved for the requested amount that I requested in which was XXXX and that I would have to make necessary changes to my title which was a not an the state of Nevada was still titled in Maryland so I would have to go to be given the Nevada and have it titled and bought I would be able to move forward with the receiving of the money so she went ahead and told me that my monthly payments would be and gave me the in the print out for everything that I needed to do at the DMV, I went to the DMV the next day the deadline on I went back to the Lomax location the very next day I believe I provided all the necessary documentation and then on course I was surprised at the loan amount when the payment amount was there at XXXX but I thought it was a mistake and I was just going to read it through later because I was in a rush and I was going on a group trip and I was already late so I was just going to read it through and just know you make that correction and look to it later so I further look through it and and and saw that that wasn't a correction and really true in these two aspect that I was being brought through with this loan and I'm being taken advantage of my whole income is basically {$2000.00} and they're basically saying that my loan amount payment is {$2000.00} so how would I afford to pay my car insurance my health insurance my other utilities with pain this loan and everything else so it didn't make any sense how what I agreed to that so I don't understand why I would agree to that before I would fit in yesterday and I would read that before I would sit in VA and why would I accept those terms so I was over I felt like I was over burdened with you know a chance with the get approved with no money and that I desperately needed and if you know what to necessarily do and I attempted to call the try to explain the situation to them what they did to me and they blew me off and said that I signed a contract and I knew what I was doing and I signed the contract when I knew I came in the first time when I told them I did not find the contract because nothing was written down when I came in the first time because if I knew when I came in the first time I would've known what I was getting into the first time they visit clear understanding so I do believe that there is some taking advantage of and I do have a XXXX XXXX with math so I I do XXXX there is some some some fraudulent taking advantage of with my income and saying it only being XXXX and them saying that I have to pay basically XXXX as it is as it is in a car payment every month how my supposed to survive I'm not sure and they don't care though I'm asking for some type of help in some type of solution trying to get back to hopefully a sphericity 's original sin of the original plan of what we had with me know that XXXX dollars and XXXX different XXXX dollars and you know go from there at least I can agree with that XXXX
04/20/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	OH 44312	Web	Servicemember
I am a XXXX XXXX XXXX XXXX who fell on hard times. In XX/XX/XXXX I took out a title loan from XXXX on my XX/XX/XXXX XXXX XXXX XXXX to help with bills after my wife had to stop working due medical issues. I defaulted on the loan and my car was repossessed in XX/XX/XXXX. I'm not disputing the fact that they have the right to take and sell my car. My car was sold at auction on XX/XX/XXXX. I didn't receive a letter until XX/XX/XXXX saying when and where my car would be auctioned. I also have never received information on where my personal belongings from my car where. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX dba XXXX. The letter was dated XX/XX/XXXX. In the letter it said my car had been sold for just under {$10000.00} ( XXXX placed the low end of private sale of my car at {$13000.00} but I know they often sell well under value ). After the loan amount due, plus towing/storage and auction fees I was owed a refund of {$6700.00}. There was a number I was to call to " claim '' this money. I called on XX/XX/XXXX and was told the check could take up to 90 days to reach me. The number was for Select Management Recourses that shares a suite with XXXX at their headquarters in GA. I called at the 45 day mark to get an update and was told they had yet to receive the funds to cut me a check. I asked who had the funds and they refused to tell me. I asked to speak to a supervisor and was told that he was out of the office at the moment and would call me back. I never received a call back. I called on XX/XX/XXXX ( 83 days since the claim ) to make sure they had my new address. Was told I would have the check by the end of the month. Called on XX/XX/XXXX ( 90 day mark ) to get a tracking number for the check. I had been told previously it would be sent USPS with delivery confirmation and signature required. Was told the check had not been sent yet but should be received early the following week. Called back XX/XX/XXXX ( 99 day mark ) Asked for tracking number again, was told the check still had not bee cut, but that the appropriate department would be notified and it would go out the following day. Called back XX/XX/XXXX ( 103 day mark ) Told the same story as XX/XX/XXXX. When I informed I had been told that story the previous time she said she would look into it. She called back and said her supervisor would make sure the appropriate department cut the check. It would take a few days for the check to reach her department then a few more days for it to be verified and then finally mailed to me. I was also asked to stop calling so much. It has now been 114 days and I still have not received a check. Because of this I have been unable to register for a 6 month program I need to attend to help with my XXXX. I had to get a car with a high interest rate because I had no down payment. I have missed Doctors appointments because my wife needed the car for work ( her car died at the 40 day mark and we are forced to wait for this money to get a second car ).
02/01/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	MA 01902	Web
I applied for and received a title loan on XX/XX/XXXX from XXXX in XXXX, NH. I had to give them the title to my XXXX XXXX XXXX in order to receive the loan. I got {$800.00} loan at 200 % interest. We made the following 3 payments, {$280.00} on XX/XX/XXXX, {$260.00} on XX/XX/XXXX, and {$240.00} on XX/XX/XXXX. Unfortunately the transmission on my car died and I can't afford to fix it or buy a new car, which caused me to lose my job. My fiance, who consigned, was hit by a XXXX XXXX yesterday, causing serious injuries that will put him out of work for at least a month. I called XXXX today to explain my situation as well as give them the location of the vehicle so they can repossess it. I spoke to a woman named XXXX who told me they weren't going to pick up the vehicle and that I still needed to resume payments. I told them that due to unforeseen circumstances I'm unable to make the payments, which is why I called them prior to the next payment being due and that's why I'm telling them where to pick up the vehicle. XXXX told me that's " not their problem and the money is still due ''. She then said collection calls to me, my fiance, and our friends that we listed as references will continue to resume. I told her XXXX is not to call our friends under any circumstances, and since they don't want to work with us they can stop collection calls to us. XXXX said " that's not up to you, collection calls will resume '' and she hung up. I immediately called back and spoke to a woman who said her name was XXXX. When I asked how to spell her name she asked me why and I told her it was because I wanted to know who I was speaking with she repeated her name and when I told her I needed the spelling she then said okay then my name is XXXX. I proceeded to explain our situation to her and she cut me off by telling me that all collection calls will resume to both me my fiance and all three references on the application. When I told her to cease and desist all communication with me my fiance and anybody listed on the application she told me I can't make that request and collection calls will resume and hung up. At this point I was outraged and called back again, except this time they picked up and hung up three times. They must have called ID. I tried one more time and XXXX answered the phone, so I told her I was recording the call. She said " that's fine, pay your bill '' and hung up. I've already paid {$780.00} of the {$800.00} principal balance. I had no idea I'd lose my job because my car died andi had no transportation, or that my fiance would get hit by a car and be forced to miss work as well. I really thought by calling them, prior to the next payment being due, and being honest instead of ignoring their calls like most people do would be received in the unprofessional manner it was. I worked in XXXX for years and if I ever spoke to a consumer in the manner they did, or lie about my name especially I would've been fired and surely reported to the FTC or FDCPA.
11/15/2019	No	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	UT 84065	Web
My family members and I were constantly harrassed by the local Utah branch while I was hospitalized. I took out a title loan of {$1700.00} with the Loanmax of XXXX Utah in XXXX. My first payment was due early XX/XX/XXXXXXXX but in late XX/XX/XXXXXXXX I was hospitalized with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Loanmax representatives began calling my home and leaving several messages that violated third party disclosure. A family member informed loanmax of my hospitalization but they continued to call and violate third party disclosure. When I was discharged from the hospital in late XX/XX/XXXXXXXX, several family members approached me about the numerous messages left on my answering machine by loanmax representatives threatening to repossess my vehicle and damage my credit. I still have these messages saved and will be forwarding them along for proof. I requested that the state manager, XXXX, contact me to discuss the account but I only received one message from her to contact the local branch and work out arrangements with them. I made several attempts to reach her again but never received another call all while the local representative continued to leave illegal answering machine messages. In middle ofXX/XX/XXXX I'd finally had enough and threatened to turn over the recorded messages and family statements of harrassment to the local Consumer Protection Offices, State Consumer Protection Offices and Utah Office of the Attorney General. After playing all the messages that violated third party disclosure to local management I was told that due to the several violations and medical conditions I'd had brought on me that the loan would show paid in full and no other collection or contact by Loanmax would be made. I did not receive any other calls or contact until my mother contacted me on XXXX stating someone was just at her house threatening to repossess the collateral from her. She told them I did not live there, which I do not. I called the repo representative and told him the loanmax decision from XXXX and he said he'd contact Loanmax. Then on XX/XX/XXXX the repo company visited my mothers house again. I again called the repossession company and told them never to visit and harass my parents again. Then on XX/XX/XXXX after XXXX they harassed my parents again. Then on XX/XX/XXXX they visited my in laws threatening to repossess the van from their address where again I do not reside. They were told not to return but they did again on XX/XX/XXXX. Loanmax then sent a different repossession company back to my parents home onXX/XX/XXXX. I filed a complaint with the XXXX XXXX XXXX in early XX/XX/XXXX but loanmax claims no wrongdoing and their legal representation stated on XX/XX/XXXX that my account was properly notated and no further calls have been made or will be made to any of the telephone numbers I provided. The local branch then attempted to call me on XX/XX/XXXX at XXXX MST.
02/27/2019	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	MD 21157	Web	Servicemember
On XX/XX/XXXX this company XXXX XXXX XXXX XXXX repossed my vehicle as I have been working with them to repay my loan and they told me no actions would be taken as they were understanding of the situation on XX/XX/XXXX I tried to contact them and no one would answer the phones this went on for about 10 days then I received a letter on XX/XX/XXXX stating I had until XX/XX/XXXX to come up with over 12,000.00 dollars and I truly do not owe that much as the loan amount was only {$3000.00} and they want four times as much yes my truck is fairly new and I have only had for about a year and have worked very hard to get this truck when I finally was able to contact someone at this office I was told that they could not help and would not tell me any information about my truck where it was they only told me that i had to pay the full amount by the 28th or else and it has been impossible to try to talk with company as no one answers the phone and will not tell me anything about my truck the auction is to happen on XX/XX/XXXX however I feel I don't owe the XXXX only the amount I borrowed and for them to charge this much to a military personal and go against the military lending act of 2006 they really can't hold the title for extending credit to someone this company is impossible to deal with and only want money if you don't have the money they want they refuse to talk to you first they told me that my truck would not repossessed as i was working with and keeping in touch with them and making my payments and I was reassured by several people that my truck would not be repossessed and one week later they took my truck leaving me to find a ride home as I was out at a meeting and the hardship they have placed on me being a XXXX veteran recently XXXX from the XXXX XXXX this whole issue has caused many problems for me and has taken away my vehicle that I need to get my VA appointments and to school among all the emotional distress and the constant hardship and trying to reach out to these people is impossible and is truly making my life very difficult I know that I'm asking alot for you to do something today as the auction is tomorrow and I don't have {$12000.00} I have {$3000.00} that I borrowed please help as I stated I am a XXXX veteran and served 14 1/2 years in the XXXX XXXX XXXX but due to injuries sustained at XXXX XXXX XXXXXXXX after 2 deployments I truly don't have the means to get {$12000.00} like i said i have the {$3000.00} that i originally borrowed and am willing to paying some of the interest but not at 42 % please help as time of the essence and this company has done this many other soldiers and civilians as well this needs to stop as they are truly a con scheme and they truly don't want to work with you on anything and they are not honest as they lied to me about repossessing my truck please this is my only means of transportation and I can't miss my VA appoints or school
10/27/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Struggling to pay your loan	IL 60629	Web	Servicemember
I am writing to express my concerns about potential violations of consumer protection regulations by XXXX XXXX XXXX, a title loan company operating in Wisconsin. I am also seeking protection due, the company insensitivity to my hardship and I believe I am being taking advantage of due my novice information on how this industry operate. Based on information I have gathered, I believe there may be instances where XXXX XXXX XXXX is not fully compliant with the rules and regulations governing the title loan industry, and this could be detrimental to the welfare of consumers. Specifically, my concerns are in line with the common violations associated with title loan companies that have been documented in the past. These concerns include : High Interest Rates : XXXX XXXX XXXX appears to charge extremely high interest rates, which could result in financial hardship for borrowers. Misleading Advertising : There may be instances where XXXX XXXX XXXX engages in misleading or deceptive advertising practices to lure borrowers into loans with unfavorable terms. Unfair Repossession Practices : Reports suggest that XXXX XXXX XXXX might engage in aggressive or unfair repossession practices. Hidden Fees and Charges : Concerns have been raised about hidden fees or charges within XXXX XXXX XXXX 's loan agreements. Lack of Transparency : There may be instances where XXXX XXXX XXXX fails to provide clear and comprehensive information about loan terms to borrowers. Targeting Vulnerable Populations : Concerns exist about XXXX XXXX XXXX targeting vulnerable individuals who may be in financial distress. Potential Violation of State Regulations : There could be instances where XXXX XXXX XXXX operates in violation of state-specific regulations governing title loans. Inadequate Loan Assessment : Reports indicate that XXXX XXXX XXXX XXXX not adequately assess borrowers ' ability to repay loans. Harassment and Collection Practices : There are concerns about aggressive and harassing debt collection practices employed by XXXX XXXX XXXX. I believe it is crucial for the Consumer Financial Protection Bureau to investigate these concerns and ensure that XXXX XXXX XXXX complies with all applicable consumer protection laws and regulations. Protecting consumers from predatory lending practices is paramount, and acting against any violations is essential to uphold consumer rights. I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into XXXX XXXX XXXXXXXX 's operations in Wisconsin, and if any violations are found, takes appropriate measures to rectify the situation and protect the interests of consumers. Thank you for your attention to this matter. I trust in the Consumer Financial Protection Bureau 's commitment to safeguarding consumer rights, and I hope for a swift and effective resolution to these concerns.
10/07/2021	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	GA 302XX	Web
This is a violation of privacy policy situation, and I need help, please! I've exhausted all options, I am seeking legal representation. Here are the details. I have documents and photos to support this situation. I had obtained a title loan with Atlanta Title Loans in XXXX, 2021 due to financial strain. I have been in a XXXX XXXX situation for quite some time and was trying to pay off bills so I could relocate myself and children, or at least start the process. My ex ( XXXX ) stole my phone and Atlanta Title Loans called about my payment XX/XX/2021. He disclosed that he was my boyfriend/husband ( lied ) and inquired about the nature of the call. The initial point of contact just stated that he needed to speak with me. My ex then called the company back, and requested details of why they were trying to reach me. At that point, another representative named XXXX gave him my information, and advised him that I had an open loan with their company. He requested she text pictures of whatever information she had about me and my loan. She agreed and text him pictures of my drivers license, my signature, and loan application details, from her PERSONAL cell phone, which compromised my personal data even further. There were NO authorized indiviuals names that were allowed to access any of that info. He became furious and was violent toward me. This triggered my XXXX XXXX and XXXX issues. I have a history of XXXX XXXX XXXX, and this had caused me to become unable to return to work for fear he will show up. Ive since lost my job because of this. This company violated every protocol in their privacy policy and put me in harms way. I am a single mom, now without a job, money and potentially at risk of losing the only vehicle I have. This is such a horrible situation, and I dont know what I can do. I have copies of the texts sent to him, and also texts between myself and the employee in regard to this issue. I have not received any feedback from management, I have since received a late payment letter stating they can repossess my vehicle anytime they want.. Please, if there is anything you can do to help, I really really need it. I have since had to petition for a family XXXX XXXX order, but I am in constant fear, and all due to this discrepancy. This company did not care enough to make a simple effort to just protect my personal information, makes me very concerned where else they are lacking and how this could effect more clients, I do not have a working phone number at the moment but I can be reached via email anytime. Please help! I feel like this is something that needs immediate attention or could be detrimental. Thanks in advance for any help you might be able to offer.
11/21/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Vehicle was damaged or destroyed the vehicle	TX XXXXX	Web
On XX/XX/XXXX Loan Star Title/Wellshire financial Services llc sent XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX to pick up my car after they made a mistake on legal contract and had the wrong name XXXX XXXX before making a correction to the documents and contract they sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX to pick my vehicle up on XX/XX/XXXX I spoke with the president of Loan Star Title Wellshire financial Services llc / XXXX manager of store and XXXX the president and she acknowledged that they made an error on XXXX XXXX but on XXXX the XXXX I paid what Lone Star asked me to pay {$2200.00} in order to get my car along with a {$650.00} repo fee after I paid they sent me to a location where my car can be picked up meanwhile I had trouble when calling a rep getting my car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX she denied me access to my car I had to return back to Loan Star/ Wellshire financial Services llc and speak to a manager by the name of XXXX, she intervened and call them and inform them that they had to give me my car although they refuse to in the beginning nevertheless XXXX instructed me in order to get my car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will have to give them an additional {$100.00} in addition to the {$650.00} I had paid them she informed me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX will send me a text of what location to pick up my car and they required a money order form with receipt only and they have to keep the receipt of purchase, I disagree but because I was up under the stress, and my car so I abide .... I believe Loan Star Wellshire financial Services llc/ have failed me as a consumer and they participated in an unfair trade practice, they also have cosigned with being a part of a deceptive trade Practice Act with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and it's not fair to any and all Consumers, anytime that you purchase a money order it shouldn't be required that you turn in the money order along with your actual receipt of purchase to any recipient, But XXXX at Loan Star title /Wellshire financial Services llc informed me that will be the only way to get my car, Finally, my car was return with the drivers side head rest tv monitor damage with no remote control, and a XXXX XXXX XXXX XXXX with a {$200.00} gift card inside also missing i awaiting on supervisor to get back with me, as of XX/XX/XXXX but no follow up ye and I think they have accountability and liable as a whole, unfair practices, for their errors on a legal contact, the repo fees, my losses and damages, in which I occurred on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX since the sent them out to pick my car up
09/07/2021	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	TX 78251	Web	Servicemember
This loan originated in early XXXX, around XXXX of XXXX and has since been refinanced like 4 times, and none of my payment were ever applied to the loan, payments were interest only payments, and they went out of their way to make it difficult to pay extra or even to pay loan off. If a payment was made online, it could only be for the amount due, the monthly6 interest payment. no extra. If i made it through XXXX XXXX, the payment incurred late fees, like they would intentionally take longer just to incur fees, and it seemed that XXXX didnt want to pay them, just how it seemed. If you went in, you could pay with debit, but in no way credit card, I think due to it being easier to get you money back from the CC.If you wanted to pay extra, only cash, the debit card used for the payment, was now not good enough for extra payment. The reason i had to get a loan is the VA mistakenly started garnishing my XXXX because they said i owed them money, but i dint, and i had been homeless just a few months earlier so i wasnt very stable yet. They didnt realize that in my previous life i was employed as an XXXX XXXX, i have my XXXX but got XXXX in XXXX and couldnt work, i got my 100 % service-connected decision in late XXXX, but lost everything in early XXXX, My house, my brand-new XXXX, all my belongings in the house, and was left homeless with what fit in my backpack. And now since i have paid almost XXXX on a XXXX loan, i must move at the end of this month on the verge again of homelessness. I found out about the local ordinances last week that they have been violating, intentionally, and they do not give a damn, they call me multiple times a day and Im scared they are going to repo my car. Not scared in the traditional sense, i have a weapon and TX just passed a no-license carry law and i will not tolerate anyone of these XXXX coming near me or my car. I sent them messages that Im not paying any more payments, i want my money back and my title, and they do not care, they just called and tct, and left messages, and Im getting to the point that enough is enough. they are making my life XXXX by what feels like taunting. I told them to jus stop! but they refuse., the main coorporation even went so far as to get a XXXX dollar low interest loan recently. The company is Loan Star title, or " Loanmax '' and the i dont remember offhand the big corporation but its in XXXX GA. BTW, my car need work, it hasnt run right almost all year, and isnt registered because it wont pass inspection, because I have no money to fix it.
02/02/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	OH 44143	Web	Servicemember
On XX/XX/2017 I was in a financial bind and I went to loan max for help. They went outside looked at my car and told me I could get approved for {$2000.00} based on the car and my XXXX income, I then explained to the loan processor that I get paid on the first of every month and he said that that was ok. The way he ( the loan processor ) explained the loan was that the quicker I paid it off the less interest I would occur so if I paid it back in two months I would only be paying back around $ XXXX {$2800.00} Im not exactly sure of the amount but I remember it be close to {$3000.00} because I thought that was fine it wouldnt totally wipe out my income on the second month to pay it off. But on XX/XX/2017 they wanted me to make a payment I tried explaining to them at that time that I only get paid on the first of the month and I could come in that following week. On the first of XXXX I paid {$1000.00} towards the loan at that point they refinanced the loan for {$1800.00} because I paid more than the actual principle on the loan. I then asked them at that point why does the remaining principle balance say {$3500.00} it was a young lady I was dealing with this time she then stated that the remaining balance was based on me paying it off in three months with the interest that would calculate but if I paid it off the next month it would be less, o.k. On XX/XX/2017 I wasnt able to pay off the loan but I took in {$500.00} to apply to it and when she gave me my receipt I could not believe what I was seeing for my remaining principle balance it showed {$3500.00} so XXXX left trying to figure out if only {$27.00} was applied to my loan. The payment at the end on XXXX came from my XXXX check my next payment was due XX/XX/2017 but my check was less because two of my children had turned XXXX and I was no longer receiving income for them and I tried calling them to work something out but they said at that time that my loan was not in default there wasnt anything they could do, they told me to try back once it went into default and I did and they said that I had to wait until integrity ( the lien holder ) released the loan and then they would be able to work something out. We touched base a few times they called me I asked them was there an amount that I could pay to pay it off and be done no more payment plans because I couldnt afford to pay like that but they said no. And on XXXX XXXX they came and took the car, So I asked them to give me a receipt showing that they are paid because they have the car, still no.
09/03/2016	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	MD 20747	Web
I went to LoanMax in XXXX Va. I was in great need because I was facing eviction. When I arrived I went to the wrong title loan company because there are two title loans on XXXX XXXX in XXXX. I walked in the first title loan place the gentleman took me through the application process and then he asked me for my title. When I gave him my XXXX title he said " Sorry Maam we dont take XXXX titles ''? So I walked across the street to LoanMAX. I gave my title to the employee and she told me the same thing that they couldnt take XXXX titles. As I was walking away in frustration I stated noone told me this over the phone. The employee begin to explain that it wasnt her that I spoke too. She then said if I could provide her a XXXX address she could give me a loan. I gave her an address in XXXX and then she asked how much I made a month. I told her my monthly income. She said let me call my supervisor. She told the supervisor that i had a XXXX title but the car was housed in XXXX. The supervisor gave her the ok. So she approved me for {$1400.00}. I agreed to pay {$320.00} a month. I making the monthly payments and thinking that paying monthly would lower my balance. But I was totally unaware of the interest and how it worked. So it seemed as though my balance was never going down. My car is a XXXX XXXX XXXX XXXX. It wasnt worth the payments. But I continued to pay monrhly and questioned the interest. They just kept telling me it was explained to me when I took out the loan. I told her i couldnt afford to pay a loan that never ended. I paid them a total of {$1300.00}. Then I started doing my research and found out that it was true that they couldnt do loans with XXXX titles and that XXXX had stipulations but they would honor XXXX titles ..but not XXXX!! When I questioned them about how was I able to recieve a loan if I have a XXXX title ... I was told that they couldnt control the address that people provided. I even had people call to ask if they had a XXXX title and lived in XXXX could they recieve a loan? There answer everytime was no! I told them that I couldnt continue to pay this high interest loan. So within 3 months of non payment they came and repossed my XXXX but they hired a XXXX party company to say they repossed my XXXX. When I called to get my belongings out of the XXXX they told me they never took my XXXX. I went to the police and the police clerk provided me the information that they did have my XXXX repossed.
04/10/2019	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	WV 260XX	Web
We had went to XXXX XXXX XXXX in XXXX Oh, On XX/XX/XXXX. We received a XXXX dollar loan from them and signed to make 11 payments of XXXX starting on XX/XX/XXXX. We have paid them XXXX all the way up until XX/XX/XXXX. On XX/XX/XXXX I called to make the XXXX payment, I asked them how much I would owe on the loan to pay it completely off at the end of the month after making the payment of XXXX and the lady had told me XXXX. On XX/XX/XXXX I had called to pay the XXXX to close the account, that is when the lady said XXXX was due on the account now. I asked how that was because I just paid them 2 weeks ago and I told her that the lady I spoke to said there was XXXX left on the account. She asked how much I had and I said I have XXXX. They said they would take them but I would have to send in money orders because they couldnt take it from a credit card. So I went to XXXX I got a XXXX dollar money order, a XXXX dollar money order and then another XXXX dollar money order. I sent them in. After a month past we figured that they had received the money and the account was closed because they didnt call and say other wise. Now that a month has past they called two ago and said that they didnt receive the second XXXX dollar money order and now the account is past due but XXXX and is going to go up everyday. While on the phone with XXXX she started screaming and cussing at me. Her exact words were Well when you want to let me XXXX talk then you XXXX call me back mind you I had my phone on speaker with my XXXX XXXX XXXX beside because she cant understand whats going on but she sure heard that. Then she said we had until Friday to pay her the money on the account. Every time I would call and ask them how much was due even if I called the day before they would always say there was more money on the account and not by a couple dollar, by a couple XXXX dollars. We just keep dealing with it and paying them more money but now it at the point where we have paid them XXXX dollars and they keep hurrasing us for more money. The loan says that if we didnt pay them a single dime for a full year that we would owe them XXXX and which we have made every payment and then payed them XXXX dollars, which adds up to XXXX dollars and they still want XXXX and more everyday then we would basically pay them back XXXX like we have never made them a payment for the past year.
05/25/2019	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TX 77627	Web
I received a title loan in XXXX which was paid for, so I thought. I received something in the mail that says release of lien which is signed and dated as well as a power of attorney from a place called XXXX XXXX. I assumed this was the papers that were filed with the XXXX so that they could mail me my title back. I put them away forgetting about them eventually until an emergency arose about 3 weeks ago and I needed money quickly. I then realized that they never filed the proper paperwork with the XXXX so I spend 8 hours that day getting the correct forms needed for the XXXX to remove the lien. The XXXX called to verify everything and had them send her another release of lien and power of attorney to ensure they were legitament. they were so we removed the lien and then the new lienholder was assigned. Well, on XX/XX/XXXX I was in a shopping mall about 30 minutes away from my home, and realized there was a tow truck pulling up to my vehicle. i quickly ran outside to see what was going on. he advised me that he had an order to pick up my car. I called the police and they were very nice but advised me to let him take the car and to get with XXXX XXXX as they were the only ones showing as lienholder on my title. I quickly called XXXX XXXX, the new lienholder who assured me that they didn't order this. My first payment was not even due yet. I have since gotten the run around by this company who has given me 100 numbers to call and no one could help me. I finally was able to get a name of a company called select management group, who still as of today has my car. They are claiming that i fraudulently had their lien removed from my title, which is definately not true, so I sent them what they gave me. Not even 5 minutes after I sent them what XXXX XXXX had given me initially they called me asking to workout a deal. This time from a local branch called XXXX XXXX XXXX XXXX. They are claiming that I still owe them money and if I can give them {$1600.00} by next friday, then two more payments of {$1600.00} twice after that within a month, then they will give me back my car. The problem is they are no longer a lien on my car so how can they steal my car from me and not give it back? They are doing it and I feel helpless as though there is nothing I can do please help
03/17/2021	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	WI 54302	Web
I have a owe amount in loanmax title loan. I reported my car was damage in XXXX and for that reasons I cant continue to do a payments. We tried to setup payments plans in the past and they are not agree with that they want the full amount of {$2000.00}. Monday, XXXX, XXXX XXXX I received text to inform me I can pay {$1800.00} to setup my account with the XXXX stimulus payment. Message say LoanMax : Let us help! Take advantage of XXXX XXXX deal now! Call XXXX XXXX XXXX XXXX pay only {$1800.00} to get your title back! They don't say how long can I have to deal this amount. But the XXXX XXXX is for this XXXX stimulus started this week. I was agree to pay that amount and more because is less and I am going to resolve this situation. But for my surprise when I was shopping thing for my baby they reposed a car XXXX XXXX XXXXXX/XX/XXXX without notification. I was XXXX XXXX XXXX, with a XXXX XXXX in my hands and with all items of my baby in the car ( XXXX XXXX ). Now they said I cant receive my items until after 4 days, I have items in the car was cost money also my breast feed pump for my baby and all her clothing. I was in XXXX, I from XXXX XXXX without a car and in the street. Just they took advantage with all of this situation they offer me settle the account for {$1800.00} and no past XXXX hours they reposed a car. They said they send a letter on XX/XX/XXXX and I never received that letters. I contact XX/XX/XXXX to corporate office and they said they have XXXX different letters on the mail with XXXX different amount but I did not received nothing until now. They lied and took advantage to me because they don't give me a chance to deal with the XXXX stimulus payment. About XXXX year ago when I lost everything and start my XXXX I said to them you can come to pick up a car and they said is not like that you need to pay a money we don't want your car back. They discriminated me because they don't believe they left without transportation XXXX hours from my house, without my baby items and with a XXXX XXXX and a XXXX XXXX on XXXX XXXX. Just I am agree to pay what they offered {$1800.00} and they give me my car back. I never received a letter from them and I dont sign any certificate letter to reposed a car.
08/11/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	KS 66604	Web
I am not completely certain of the amounts but I known it was less than {$2000.00} taken out in XXXX. I had been sick with c-diff and had to have a fecal transplant. I did not qualify for short term XXXX so I received no compensation for my time contagious and very ill. I was XXXX XXXX XXXX and XXXX XXXX. I needed help getting back on my feet. I was very timely with payment and offered a larger credit line. Shortly after this time I fell even more XXXX XXXX. Ive been diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As you can imagine I not only struggle most days to function on a basic level let alone the ability to hold a job. My car was repossessed on XX/XX/XXXX. They are claiming I owe {$10000.00} to regain possession of my car when the car itself holds a XXXX value of {$1000.00}. I spoke with the company in XXXX and they explained due to the pandemic they were forgiving my loan. I put this in the back of my mind as I was barely functioning in daily life. Ive been trying to regain my life and independence back after several XXXX XXXX XXXX that triggered these XXXX XXXX in the first place. I have struggled and remained as optimistic as possible but this situation stands to ruin my life. It is my belief that this company takes advantage of individuals in extenuating situations beyond the borrowers control with the expectation to gain extreme financial wealth at the expense of individuals who are so to say down on their luck, scared, sick, and not completely aware or competent enough to understand the risks associated and the financial ruin they impose. *The company that holds the title to my car and has repossessed it, holding it at a rate of 9 times greater than the value of the car in question after stating they were forgiving the loan due to a worldwide epidemic and current economic crisis : Loan Max XXXX XXXX XXXX XXXX. XXXX, KS XXXX ( XXXX ) XXXX
10/24/2017	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	WV 256XX	Web
I took out a title loan on my truck. I was told I would pay a monthly payment and pay the remaining balance owed in 5 months. When I went to pay my last payment I was told I still owed over {$2000.00}. I paid about {$560.00} each month on time for 5 months. They did not tell me I was just paying a monthly payment for them to keep my loan. I 'm on a fixed income and its hard for me to pay that amount that is more than I draw a month. I tried to save my money this month and did not pay the monthly payment trying to get out of this mess and when I called to get the payoff I was told now I owe more than XXXX they are charging me XXXX for late fees. How is anyone suppose to get out from under this when they do n't disclose the proper info. The girl that did not tell me that the payment I was making each month was just to keep the loan she said it was a monthly payment they were making it easier for people to pay off the loans. I talked to the manager in XXXX XXXX when I went to what I was thinking making my last payment on the loan to find out I still owed over {$2000.00}. I informed her that was not how the loan was described to me and what I was told was very misleading. The girl was talking small talk to keep me from asking other questions. I had just done a 60 day loan and was refinancing it and she told me they had a new loan you just paid off in 5 months it was a lot better and easier for people to pay off would I like to chose that route and I said yes that would make it a lot easier on me. But never did I think I was paying that much each month for them just to keep my loan and still owe them the balance. I 've paid them over {$4000.00} and still owe them now {$33000.00} on a {$2000.00} loan. How is anyone suppose to get under this type of loan with all these fees. That is more than I draw a month I 'm a XXXX worker.
03/22/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	NY 10312	Web
I had taken out a title loan in Ohio against my XXXX XXXX XXXX with the intent to use it travel back to XXXX XXXX XXXX regarding my reestablishing my residency for the XXXX XXXX area. I had payment 's to make by XX/XX/XXXX paid that and XX/XX/XXXX a few days later on each because of my pay date but they were find with that. I lost my employment temporarily in early XX/XX/XXXX then finally in late XX/XX/XXXX/ early XX/XX/XXXX making payment. On XX/XX/XXXX I made a payment of XXXX which I was told by XXXX that was ok by that following Thursday I would have to pay XXXX. I called to pay XXXX. my payment was refused and I was told be XXXX that I had to pay XXXX my loan was for XXXX with a pay back set at XXXX I have paid off XXXX so far. This would leave XXXX they told me I need to come in person to refinance the loan and or pay off the loan ( two different things ) I was confused. I was to pay this last payment of XXXX on XX/XX/XXXX getting paid weekly for now would help me pay off the loan while I could they are refusing to take my money so I get my car taken. I live out of my car while I stay temporarily with a friend and wait for housing. That would have brought it down to XXXX. Then paying another XXXX this week would bring it to XXXX only because my pay is less I missed a day due to housing appt. I was late yes but I was on Now I am another week behind. but if I have so far paid on this loan XXXX I should not have to pay an additional XXXX if what is left is XXXX. I am being scammed and I was told I will loose my title after this Thursday XX/XX/XXXX if I don't pay the XXXX then come back to XXXX to refinance. Even if I owe now for the remaining balance they are trying to get beyond the loan.
12/08/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	WI 54302	Web
Notice of Fault and Opportunity to Cure and to Contest Acceptance To : XXXX RE : DEMAND IMMEDIATE RELEASE OF MY PROPERTY on Loan Number : XXXX Payoff Amount : {$1700.00} Collateral : XXXX XXXX XXXX XXXX Mileage : XXXX miles Value ( XXXX XXXX XXXX ) : {$1700.00} Respondent Dear Mr. / Ms. XXXX : 1. On XX/XX/XXXX, the undersigned Secured Party caused to be sent to you a SETTLEMENT PAYMENT which arrived to you on Date XX/XX/XXXX. This notice was sent by Certified Mail # XXXX and was delivered on XX/XX/XXXX. Per USPS XXXX Return Receipt in the possession of the Libellant, you did not respond with proof of claim. 2. On XX/XX/XXXX, you were sent a Notice of Fault and Notice to Validate Debt Claim for the alleged creditors in dispute. This notice was sent by Certified Mail # XXXX. You did not respond accordingly. You illegally stolen my property and failed to perform after receiving these presentments, and you failed to perform by providing the requested and necessary PROOFS OF CLAIM after receiving the said FULL SETTLEMENT PAYMENT and Notice to Validate Debt claim from the undersigned. As the Respondent, you are now in fault, and you are in agreement and have stipulated to the terms of the undersigneds dated presentment through your dishonor. You have the right to cure this fault and perform according to said terms within the ten ( 10 ) days from the receipt of this Notice of Fault. Should you fail to cure your fault, I will establish an Affidavit of Default solidifying your agreement and failure to contest acceptance, and I will obtain a CERTIFICATE OF NON-RESPONSE pursuant to and relative to the UCC, state statute, and otherwise. Thank you for your prompt attention to this matter.
02/21/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 76014	Web
I received a XXXX title loan for my XXXX XXXX. One of my family members was XXXX and I took out the loan to help that family member get out of XXXX. My family member got out of jail and didn't pay me back the funds that he assured me that he would return. These same funds were supposed to pay my title loan back. My loan was due on XX/XX/XXXX. ( Today is XX/XX/XXXX ) I've recently been terminated from my job further preventing me from paying my loan. I advised the title loan company that I'd like to just voluntarily surrender my vehicle ( which still runs ) and allow them to redeem the vehicle for whatever it is valued at. My vehicle is currently valued at around {$1200.00} at this point. XXXX XXXX XXXX advised me that they didn't want the vehicle and advised me that if I returned the vehicle then they'd just let it sit in front of the store. I advised the representative that I understood the process and that if there was a remaining balance that I'd try to settle it once the vehicle was sold at auction. The representative confirmed that they didn't want the vehicle because it's in their best interests to allow interest to build up on my account. I advised the representative that once I surrendered my vehicle then the interest should stop accruing to which the rep responded that that's not always true. I advised representative that these are predatory practices. Representative told me that he didn't have anything else to say. Advised representative to cease and desist with calls. Representative told me that Cease and Desist laws doesn't apply to my loan. Representative 's name is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX
08/06/2021	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	KS 67218	Web
I borrowed several loans from this company and paid them ALL off. I went in another time to borrow some money and I remember not borrowing the full amount of my approval because I wanted to be able to pay it back. I borrowed about a XXXX dollars. Well, something happened and I had to go inpatient for 90 days. When I came back home my car was gone, everything I had was gone, someone I trusted robbed my whole life. So ofcourse I filed a police report, etc. Well, I got a call from the loan company and I explained to her how I had just got back and where I had been and that my car was gone. They said they needed a police report. But when I called back and gave her the police report information she then said that wasnt enough! Now in order to stop the interest, they said, they needed the car. I said I dont have the car cause if I did i would turn it in! I didn't have it! Period. How am I supposed to pay this off if the interest is so high already and now I can not stop it and im just coming back with nothing. Oh well she said. Well, I tried to get ahold of someone else in corporate office but they are not reachable. They have no way to talk to someone in the upper levels. I tried. I found some corporate office in Georgia but there is no number to call. I called the local office and asked for this information and they said they couldn't give it to me. With no luck there, I gave up. So now they send me letters every month. I borrowed a XXXX dollars and I owe XXXX dollars?! This is purely insane, purely interest too. I do not know what else to do so hoping that CFPB can help me to rectify this.
08/04/2017	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	SC 29223	Web	Servicemember
North American Title Loan had a loan on a XXXX XXXX XXXX, North American Title Loan, and their contractor XXXX XXXX XXXX XXXX did repossession illegally a XXXX XXXX XXXX on XXXX XXXX, 2017 from my home. The vehicle repossessed was n't the vehicle that the loan was taken out on. In somehow realizing by XXXX XXXX XXXX XXXX that they repossessed the wrong vehicle, they unloaded the vehicle on the side of the road without notification. On XXXX XXXX, 2017 as found by XXXX County Sheriff Department, the vehicle was found, surveillance video from entrance and exit in plain view and clear picture captured the truck name, and drivers face of XXXX XXXX XXXX XXXX. On XXXX XXXX, 2017, a representative from XXXX XXXX XXXX XXXX showed back at my home, and requested information about the right vehicle, when advised of the occurrence on XXXX XXXX, 2017, the representative acknowledged that she had previously informed the driver at some point in the past, that the vehicle taken was n't the vehicle sought, she immediately advised her home office of the error and left my property immediately. On XXXX XXXX, 2017 in conversation with the Home office of North American Title Loan LLC, they of course denied any involvement, and denied their agent did the act, then stated that their agent returned the contract as unfounded on XXXX XXXX, 2017, until I advised that they further attempted collection, on XXXX XXXX, 2017. On XXXX XXXX, 2017 I had the vehicle evaluated by XXXX XXXX XXXX, in XXXX, SC at which the damages was assessed at {$13000.00}, torn transmission, bent right rim, and body damage repair.
04/06/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IN 46360	Web
From XX/XX/2017 until XX/XX/2017, I have received several texts and phone calls on my mobile cell phone from Midwest Title Loans ( XXXX area, www.midwesttitleloans.net ), asking to speak with a person named XXXX who was apparently delinquent on a loan. I called back at that number, informing the agent that they had a wrong number, I do not know this XXXX person. Midwest Title Loans initially acknowledged my request, and said they would update their files. Despite those assurances, the lending company continued to call and send texts on my mobile phone. Since then, I have informed this company no less than 5 times ( either via phone or text ) that they had the wrong number and that they had to update their file information accordingly. On today XX/XX/2017, I received another collection text and called back ( again ) the company : I informed them that they have to update their information, failing which I will file a complaint. The lady on the phone explained to me that there is nothing they can do to stop the texts because those are " generated by a machine '' (!! ). I asked if I could talk to their legal department to get that straightened out. She said that their contact information is on their website ( which I could n't find on the website ). Therefore, I have no choice but to file this complaint to ensure that Midwest Title Loans takes its obligations under the FDCPA seriously, since I am unable to get any traction with Midwest Title Loans directly.
09/22/2019	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TX 77627	Web
I was desperate due to an emergency so immediate after paying off a title loan I obtained another. The whole thing was flaky and I pretty much never received what the company says that I did and the lady that had me sign the paperwork and follow her to the bank afterward doesnt work there anymore conveniently. She led me to believe that she needed to cash the check to give me the money but really once I got to the bank she came up to my car and asked me to go in. So being the desperate nieve individual at that time I did. Once inside the bank she straight up just left me in the line leaving me with no choice but to cash this check. I assumed I could keep the {$3500.00}. She quickly snatched the cash from my hand and said she needed to count it to drive and follow her back to the store again. She ended up only giving me XXXX. I never got a copy of the contract she made me signed contract or anything from these people. I received a release of lien letter by mail one day so I assumed that this meant the employee stole that money or something. Wasnt sure what had happened since again Ive never recieved a call or letter or anything. I went and got my title back at the XXXX and about a month later in XX/XX/2019 it was repossessed. I finally was directed to a lady who says shes the attorney and that she is putting me in prison for forgery!!!! Is this okay? They arent listed on the title and to date still have my car!
05/26/2016	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	SC 29625	Web
I have a loan with North American Title Loans in XXXX SC. At the beginning when I applied for the loan all of my proof of income was an initial determination of XXXX benefits, I had yet to receive the amount of XXXX weekly. North American stated I didnt have enough income to get the XXXX loan i applied for so I would need to add my spouse for her income as well. My spouse was not added as a co-signer only listed her income which i didnt have proof of. The company gave me the loan off of this information knowing I did not have the financial ability to pay this back. On XXXX after I tried to make several unsuccessful arrangements to keep the vehicle they repossessed it causing a strain on my ability to attend my newly found job. The lack of respect for dent to income ration, the deceptive income listed as well as the payoff balances changing daily needs to be investigated. This branch of this company charges XXXX % and has no respect for the customers ability to repay by income. The right to cure process is also questionable as I requested one to which they said they sent but they sent it to the wrong address as the manager listed a complptely different address than i supplied for proof, they stated they sent another but i never received it as well. I feel this company should return my vehicle as the contract is unenforceable as well as stop interest on the account.
08/06/2020	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	OH 43201	Web
In XXXX of XXXX I took out a Title Loan on my XXXX XXXX XXXX. After failing to make payments, my car was repossessed. I paid nearly XXXX and my car was returned to me. I again fell behind in payments in early XXXX and attempted to make a deal with the Title Loan Company, LoanMax. They agreed to a {$500.00} settlement. I told them I would need at least until XXXX to make this payment. Halfway through XXXX my car was repossessed. I called LoanMax and was told it would cost {$900.00} to get my car back and was provided a number where the vehicle was being held. I called that number but was unable to get any information. Then, the pandemic hit. I called both LoanMax and the number they provided for days on end and no response. Fast forward to yesterday XX/XX/XXXX. I received a letter in the mail stating that my vehicle had been sold and I was due the overage amount as a refund, {$2200.00}. I contacted the company, Select Resource Management as they letter stated and was told it will take 120 days for me to get my refund via certified mail. This is outlandish and unacceptable. Reviews of the company via XXXX show that many consumers don't get their refund in that 120-day window and some have never gotten it. I don't want to experience a similar situation. The vehicle was sold at auction on XX/XX/XXXX, Select Management Resources was paid and now I want my refund.
12/01/2015	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 75052	Web
My husband took out a title loan with this company. They repeatedly harassed him at work on his cell and office number when he told them not to call his cell or work number. He got laid off in XX/XX/XXXX and totaled the truck in XX/XX/XXXX. They are the title holder and was notified by the toll truck company and me. They put insurance on these vehicles in case something happens. After the vehicle was totaled they repeatedly called harassing him. They were informed 2 weeks ago that he died on XXXX/XXXX/2015. Today XXXX/XXXX/15 they texted his phone. Quote " Good afternoon this is XXXX mgr at Lone Star Title Loans it is important for you to call me at XXXX before XXXX XXXX or you may text back '' sent XXXX XXXX. How is a deceased person suppose to call or text, really you idiots. I used to work for a company like this one they can verify date of death at XXXX or the funeral homes website. I provided this info the them today. by responding to the text message. They were told not to call the cell number I know they did not have permission to text. What happened to the cell phone consent policy.Then they called his phone from the same number at XXXX XXXX today and did not leave a message. My grandson started asking questions again about his papas death and started crying because they were trying to contact a dead person. Really you dummies this is borderline harass.
05/22/2021	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	MS 39532	Web
I went into loan max XXXX XXXX XXXX XXXX MS XXXX. Once inside I spoke to a woman named XXXX who said she was the manager and been there 9 years. At the time I was dating a woman named XXXX XXXX. Who told me her title pawn was do no later than XXXX on XX/XX/2021. So we agreed that I pay on or off the car and I get the title. Which XXXX stated she can not accept payment without consent adding me to the account XXXX. Which at that time the payoff was XXXX so paid XXXX towards the loan giving me a balance of XXXX to be paid off by XX/XX/2021. However after taking payment from me Ten days later XXXX demands I give her the car back without paying me the XXXX back. I told her she needed to fulfill her obligations. She called XXXX police department and placed Grand larceny charges on me. The officers came out and decided this was now a civil matter case number XXXX. I explained all of this to XXXX who then stated she would not refund my money and I was no longer on the account.This is a very deceptive trade matter. As XXXX took money and will provide no further help. My complaint is she never should have received my funds without grounds of fulfillment. Also the receipt that she provided and said I was on account reflects only my signature in the extended loan section. Please help me get my money fully refunded or the right to payoff and title.
02/19/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	TX XXXXX	Web
Due to the Hurricane Harvey damages and FEMA denied my application for assistance, I needed to get the remainder of the repairs done. I'd depleted my savings and repairs were really needed to live in the home. So on XX/XX/, I went into the XXXX XXXX XXXX location completed the Title loan application and she had me to sign the documents. The strange thing I was told they could not give me the funds at their location and needed to go to the XXXX XXXX XXXX location to pick up the funds. So they faxed my application and a copy of my vehicle title to the other location. The representative gave me a check for {$1500.00} and told me my 1st payment would be due XX/XX/. The Hurricane damages, no savings and one check coming after 2 -3 months caused a financial hardship. I decided to do a Debt Consolidation in which they wanted to pay off the Lone Star Title Loans. We called XXXX XXXX to let them know we were paying off the Title Loan but the company was paying with a check from XXXX XXXX. We told the paying company knew they do not accept their checks and I was floored. My loan proceeds for paying off other creditors would be processed after the payoff of the XXXX XXXX XXXX XXXX. I don't understand why they would not accept the payment from another financial institution. Now I can not get the loan.
06/12/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	OH 43209	Web
I am reaching out for assistance with a lingering matter with XXXX XXXX XXXX XXXX doing business at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. In XX/XX/XXXX I filed a complaint regarding excessive text messages and collection calls received from XXXX employees. At that time I communicated employees actively texted my cellular number of XXXX after I communicated I did not wish to receive electronic communications from the lender. Today, XX/XX/XXXX, I phone XXXX to request lien releases on my XXXX XXXX XXXX as well as my XXXX XXXX XXXX. The individual advised my request would be forwarded to upper management which lead to me being contact by XXXX legal counsel. During my conversation with XXXX attorney I was advised I filed a complaint with the CFPB and did not respond and I could receive a release on my title if I paid an outstanding in 2 payments. Upon hearing this information I advised the attorney I did not owe any money to XXXX and in XX/XX/XXXX she advised the company would not reimburse me for expenses and fees incurred as a result of the repossession but my account would be closed and noted as paid in full. Attached are my phone records XX/XX/XXXX through XX/XX/XXXX showing phone calls between XXXX XXXX Ohio location as well as the XXXX legal counsel.
09/16/2018	Yes	Payday loan, title loan, or personal loan Title loan	Received a loan you didn't apply for	AZ 85122	Web	Older American
Was overcharged on interest from the beginning, XX/XX/XXXX. Was never given any type of repayment schedule at all. A {$500.00} loan was taken out XX/XX/XXXX which I never received. Another {$500.00} loan was taken out in XX/XX/XXXX which I never received. And another {$300.00} loan was done inXX/XX/XXXX to which I never received nor authorized. I spoke to the manager, XXXX XXXX and to the district manager, XXXX. They both treated me like I was stupid .I asked for all my copies they had. It took me 5 days to receive them. My copies and their copies some to not match as far as initials on some and signatures are either missing or have been whited out. The times and dates on one contract are stamped way after XXXX. The store closes at XXXX XXXX sharp. I have checked The ARS STATUTES here in Arizona which they have violated. ARS 44-291, ARS-44, TRADE AND COMMERCE, STATUTE OF FRAUD, along with the U.S. code 's. I have all this documented neatly in folders. It very lengthy, but if you would like to collaborate further I'd be more than happy to to show you or a judge. Please feel free to communicate as I am also writing to the Attorney General, the Governor, the news media until someone stands up to the plate and help me hit a home run. Thank you .... XXXX XXXX
11/19/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	TX 770XX	Web	Older American
XXXX XXXX and I agreed for me to make 9 payments to payoff the loan and my title would be returned. I called XXXX XXXX XXXX XX/XX/18 stating I would be paying the loan off but would like my title to be available at that time. XXXX told me the title was in a location here in XXXX so it would take 3 days to get to them. A representative from phone XXXX called to tell me the title was mailed to the location on XX/XX/18. On this phone call the representative says the Title takes 7 days to get to the location instead of 3 days. This has been more frustrating and confusing getting my Title than XXXX XXXX sending it to the DMV. I assume the Attorney agreed because she did not call to let me know. I wanted to make one trip to payoff and get title. I started calling the XXXX XXXX location on XX/XX/18 - XX/XX/18 to check if title had arrived so I could take care of everything. I received several time frames and contradictory answers for the store. Since I felt the location was holding the title until I made the payment, I decided to payoff the loan today ( XX/XX/18 ). It was an issue to make the final payment with Debit Card so XXXX called someone to get an OK for me to pay with that method. Then later told the title wasn't there
03/03/2021	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TX 79707	Web	Servicemember
Obtained a title loan on my vehicle in 2020 when I found myself in a tight financial position. My situation deteriorated and, ultimately, the vehicle was repossessed I contacted the lender several times after they took the vehicle to work out a resolution and possible get the vehicle back. No one would return my call and was even told on one call that if there was a surplus after the vehicle was sold I " might '' get it unless " we decide to give it to someone else '' ( her exact words ). Several personal items were in the vehicle and was not given an opportunity to retrieve them before they sold the vehicle at auction. A few weeks after they took the vehicle and no return calls to work something out I received a letter in the mail from the lender ( which I am now unable to find ) stating that there was a surplus left and I was going to be getting approximately {$1800.00} +- back and to contact them. When I contacted them, I believe in XXXX of last year ( 2020 ), they stated it would take them 90-120 days to process the refund check to me. I've been a lender and have not heard of it taking that long to get the surplus funds to a borrower. As of today, XX/XX/XXXX, I have not received anything from the lender.
12/22/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	OH 457XX	Web
On XX/XX/XXXX I received a Credit Monitoring Alert that a Collection Agency called XXXX XXXX XXXX in violation of FDCPA I had not received a letter or attempt to contact me allowing me 30 Days to Dispute. On XX/XX/XXXX I received a letter in the mail offering to settle for a discount at {$6000.00}. This Title Loan through Loanmax in XXXX, Ohio was settled in full on XX/XX/XXXX with the return of the Vehicle and sold for settlement. I spoke to XXXX XXXX employee XXXX at XXXX XXXX XXXX and explained to him that this had been resolved over 2 years earlier and I had an outstanding Credit Report that has never had a derogatory remark. He informed me that he was putting in a immediate delete with all 3 Credit Bureaus. I followed up by sending in proof that Debt was paid in full and this was settled. The emails were sent the same day to the Compliance Officer. I have been checking my Credit Report and it still has not been removed. I filled disputes with all 3 agencies on XX/XX/XXXX. This company has been sued in multiple class action lawsuits and has more negative reviews with the XXXX. The agent was polite on the phone but the company did not follow through. Please get this off my Credit Reports!!
05/08/2020	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	WV 25404	Web
On XX/XX/XXXX, I secured a title loan through Anderson Financial Services , LLC, d/b/a LoanMax. Monthly payments of {$430.00} began on XX/XX/XXXX. Due to COVID-19, I was temporarily laid off on XX/XX/XXXX and for this reason, was unable to make my XX/XX/XXXX payment. I contacted LoanMax to apprise them of this situation and was told to let them know when unemployment started and I could make my payment. Imagine my surprise when I logged in to my account and found that I had over an additional {$500.00} added to my account! After making a call I found out that this was daily interest and late fees! I requested a detailed account statement and was advised that they " don't do this. '' I have also received a NOTICE OF DEFAULT & NOTICE OF LENDER 'S INTENT TO REPOSSESS ITS COLLATERAL letter from LoanMax. I understand that interest accrues when a payment is late, and under normal circumstances, this makes sense. However, mandatory business shutdowns during a nationwide pandemic, thus resulting in late payments, etc, is unusual to say the least. I don't feel exorbitant fees should be charged during this unprecedented time. LoanMax has been less than understanding and has refused to waive these fees.
06/07/2021	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	KS 660XX	Web
I took out a {$150.00} title loan years ago. I paid {$100.00} the following month leaving a {$50.00} balance. The transmission went out and was towed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They informed me the bill was {$350.00} plus {$75.00} per day for storage. I only paid {$200.00} for the XXXX XXXX. Im on XXXX XXXX XXXXXXXX and could not afford that. Only oweing {$50.00} to the title place I called them to inform them of my unfortunate situation, they got really rude! Their response was THEY DONT CARE! 6 Months ago they tracked down my phone number. For 6 months straight 3 to 4 times a day they call and threaten me saying I owe them close to {$1900.00}! I asked please stop jamming up my phone like that. Their response was, we are not going to stop until you pay us money!! My XXXX phone bill shows every call, and now they are using a software on me disguising their number! I am so tired and sick of it. I do not want to change my number and feel I shouldn't have to. I took some legal advice and found out they can be fined up to {$500.00} for each time they called me. That would be my last straw! I wish they would please just stop!! It is Loanmax Title Loans in XXXX Kansas
07/11/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	OH 44129	Web
In XX/XX/XXXX-XX/XX/XXXX I entered into an agreement with XXXX XXXX XXXX loans located at XXXX XXXX XXXX, XXXX, Ohio ( I had successful in the past so I used them again ) this tine due to financial reasons I was unable to pay my loan back, so after making the minimal payment several times then refinancing ( which I ended up paying way more than the loan and repayment amount ) my expedition was taken from my driveway and sold. I called to get the sell amount etc. Because the car was worth so much more than the loan amount, but was given no information and no chance to retain prior to sell. I was given the run around to multiple people. XXXX XXXX saying they could do nothing and to contact the lender and the lender saying call the auction, auction denied having info. Eventually I gave up. I had no money for counsel and I think that these companies play by their own rules, because they know if you need a title loan than you probably can not afford legal help. It has been years but this has never sat well with me, finally I was told about consumer reporting so I just wanted to follow up to see what my rights are. I did not know who to contact at the time. Thank you
03/18/2019	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	OH 43232	Web
Last year I had to move. I didnt have the money to move so I went to the title loan company. I got {$1500.00} from them. I ran into issues and was having problems paying so I had to refinance. Which of course they screwed me over even more. They told me on a {$1500.00} loan that it would cost {$6000.00} to pay them back. Fast forward to now. They repossessed my only vehicle Saturday XX/XX/2019. Without warning. I also havent recieved a phone call from them in over a month. Nor have a I revived a call about them wanting to repossess my vehicle. The vehicle is my only mode of transportation. It has all of my tools and work material in it. They are refusing to tell me where the truck is so I can get all of my tools. And they are refusing to work with me. Saying they need a minimum of {$1200.00} up front just to release the truck. I have worked less than 40 hours this year and have no way to pay that kind of money. I cant even pay rent this month let alone pay {$1200.00} to a company that is in it to XXXX people over. I need my vehicle back as soon as possible so I can start to pay them back. I cant pay them back without the vehicle because I can not get to work.
10/24/2018	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OH 454XX	Web
I owe XXXX to XXXX XXXX for a title loan. I took out a loan for XXXX I have been paying on for almost 2 years. I have paid almost XXXX for a XXXX loan. I valled in XX/XX/2018 to pay off the loan and they would not accept my payoff stating that i could not pay off over the phone however, i had been making payment for the last 2 years over the phone. XXXX XXXX has my correct address, phone number, sovial security number and drivers liscense however, they continuiously contact my family members and attempt to collect thos debt after i already tried to pay ot off. Just today at XXXX. They contacted my mother and father who are both elderly and fighting XXXX and attempted to get information about me from them even though they know exactly where i live and they have my contact phone number. They call me several times a day and send several text messages. I asked them to please stop calling my family and they stated that they would continue to call until the remIning amount of XXXX was paid. They have contacted both my daughters, my daughter in law and my mother asking for information evennthiugh i have been in contact with them via phone and text message.
04/10/2015	No	Consumer Loan Vehicle loan	Problems when you are unable to pay	LA 710XX	Web
Hello my name is XXXX XXXX I took out a title loan on my car XXXX XXXX I borrowed! XXXX dollars I have been paying XXXX a month for past XXXX months. That 's almost XXXX dollars. My father was diagnosed with XXXX. I have been off work trying to help him and my mother. Then XXXX XXXX XX/XX/XXXX I became ill with XXXX. These people called me in hospital they call while I am at doctor with my dad getting his XXXX. I feel like I have paid them XXXX dollars interest. I borrowed XXXX now they want me to walk back in with XXXX plus what I have already paid.. I ca n't do this. I have NEVER seen anything like this. This is NOT right and SHOULD be against the LAW. They ca n't even explain to me how they are coming up with almost XXXX dollars then they want me to sign another contract which is about XXXX pages long plus add another XXXX plus XXXX a day for every day that it 's not paid in full. That would be almost XXXX dollars I do n't have that kind of money.. Please help me. I do n't know what to do. Lone Star Title loans SHOULD NOT be aloud to take advantage of poor people. Thank you for your time.
02/12/2018	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	OH XXXXX	Web	Servicemember
I am contesting, in part or wholly, a debt with XXXX XXXX XXXX XXXX XXXX dba XXXX. The company has been locally notified as such both verbally and in writing yet they still contact myself and/or my family members daily. On XXXX XX/XX/2018, a Cease and Desist Letter, asserting my rights under the Fair Debt Collection Practices Act, 15 USC 1692c ; Section 805 ( c ) was delivered by US Mail, Certified Mail, Return Receipt was delivered and signed for. The XXXX staff have continued daily calls to me and/or my family. On a recent call, a XXXX staff member XXXX?, acknowledged she received the letter and related that the XXXX legal department instructed her to ignore the Cease and Desist Letter because it was not from another legal department or legal professional and was therefore, not valid. I simply request that any communication regarding the debt be in writing, on letterhead, and be signed by an authorized company representative. I provided a mailing address of : XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX and an Email address of : XXXX, both suitable for this communication.
12/14/2017	No	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	IN 46226	Web
The original complaint is XXXX about XXXX XXXX XXXX, XXXX..You may look there for reference. You will that the company offered a settlement of {$3000.00} for 5 months at {$600.00} per month beginning tomorrow. I was told by their attorney that I would be receiving a document with the terms outlined and she wanted me to sign it and send it back. I have waited at least 3 weeks or so for the document. It never arrived. Therefore I am taking this as the company pulling it 's settlement offer. Which is fine, I am now placing a new settlement. This is not an offer. I gave them the opportunity and responded by toying with me. I will not be a part of such a farce. I will draw up my own non-negotiable settlement and send it to the company. I will pay {$2800.00} on or before XXXX XXXX XXXX. PERIOD! Any and all collections attempts will cease immediately, if not I will begin the Administrative Procedure starting with an XXXX. This is not up for negotiation, I was not given any warning of their change of plan. This is what it will be. Period.
03/25/2019	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	OH 444XX	Web	Servicemember
While I couldn't make any payments on my vehicle for a title loan because of medical issues, the title company ended up sending out a repossession company. This company had to open up the door to see the vin.nunber and in doing so that person had to be able to see my my medication which is life saving. At that point they should have either stopped and knocked on my door and given me my medication or at least contacted me the next day so I could pick it up. It has been over 10 days and I had to go to the doctor 's office for another prescription because this medication is supposed to be around me at all times that's why I kept one in the vehicle. Just taking a vehicle without care of anyone 's possessions inside shouldn't be tolerated because it could cause a life threatening situation. What if this was my only one? I live in a small village and we have a small fire department, who is then responsible? Please don't me because everyone forgets once and a while that's why I had in the vehicle and they took it.
12/06/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Struggling to pay your loan	TX 78245	Web
I AM LOOKING FOR ASSISTANCE WITH A TITLE LOAN. MY TITLE LOAN. LOAN ORIGINATION DATE XX/XX/XXXXXXXX {$1000.00} AGAINST MY XXXX XXXX XXXX. AFTER SEVERAL PAYMENTS, THE TITLE COMPANY SUGGESTED REFINANCING FOR MORE TIME TO PAY. XX/XX/XXXXXXXX MY BALANCE IS OVER {$1500.00} DESPITE MAKING HIGHER $ ON-TIME PAYMENTS EACH MONTH. TOTAL PAYMENTS I HAVE MADE AS OF XX/XX/XXXXXXXX IS {$4500.00}. XX/XX/XXXXXXXX MY OUTSTANDING BALANCE REMAINS AT {$1700.00} ON A $ XXXX.I KNEW THE RISK OF OBTAINING A TITLE LOAN. HOWEVER MY INCOME IS NO LONGER WHAT IT WAS. I HAVE SINCE HAD TO FILE BANKRUPTCY. I HAVE MANAGED TO KEEP THIS LOAN OUT OF DEFAULT. I CAN NO LONGER MANAGE THIS. MY XXXX XXXX XXXX VEHICLE IS ALL I HAVE. MY XXXX INCOME IS NOT ENOUGH TO LIVE ON. I HAVE CALLED AND EMAILED THE COMPANY 'S CORPORATE OFFICES, THE OWNER, THE LOCAL OFFICE. NO ONE WILL RESPOND. TOTAL AMOUNT OF PAYMENTS MADE TOWARDS THE PRINCIPAL BALANCE PLUS INTEREST ARE 3 TIMES THE AMOUNT OF THE LOAN. I NEED HELP. I CAN NOT LOSE MY VEHICLE.
09/05/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	NM 87107	Web	Older American
On signing a contract on XX/XX/2023 ( Loan Max Title Loan in XXXX, NM ) for a loan using my automobile as collateral I was not told in explanation that {$100.00} per month extra would be added to cost to insure the vehicle, this above and beyond the interest charge. At no point did the agent ask for any proof of vehicle insurance of any kind, nor was the extra charge for further insurance stressed verbally. The clause covering this was not pointed out on signing. Not only is this an unexpected extra charge but it is also outrageously overpriced. Signing was performed on a computer screen, not on a drawn- up paper contract, and the process was somewhat hurried due to the number of pages to be signed/initialed. It was done 'sign here/initial here '. I've no problem with paying the interest charge, that was expected. I do, however, feel 'blind-sided ' by the extra monthly {$100.00} charge for insurance on the vehicle. If I had been aware of the extra cost I would NOT have taken out the loan.
12/15/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MN 566XX	Web
Harassing phone calls XX/XX/XXXX @ XXXX Missed call XX/XX/XXXX @ XXXX Called wife and asked me to call back. XX/XX/XXXX @ XXXX Called and she asked about my loan. Then told me I was paid, then apologized for calling XX/XX/XXXX @ XXXX Another female called and said the first female was wrong and I owed over XXXX. I informed them that I needed to buy propane for the house and was unable to make the payment. She proceeded to pry and ask how much money I made, how much my check is and when I get paid. Accused me of fraudulently reporting my income. XX/XX/XXXX @ XXXX Called and accused me of refusing to pay debt, then called me a 5 year old. Stated you better find a way to pay by XXXX. She continued to ask about how often I am paid. Told me to sell my vehicle and give them the money. XX/XX/XXXX @ XXXX Called me and I couldnt answer because I am at work. XX/XX/XXXX @ XXXX Then XXXX called work, refused to tell me who she was and why she was calling. Called within seconds of each other.
09/13/2021	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MN 55124	Web
I took out a title loan with LoanMax in XXXX WI. My payment was 7 days past due and I had previously spoken to one of their Representatives ( last week ) about the fact my payment was going to be late. I received a call from them XX/XX/XXXX at XXXX. from their number XXXX and was on another call so I was unable to answer. Within 5 minutes I received a text from my son in CA whom I had put down as a reference when taking out the loan that he had just received a call from a XXXX about my car and they are looking for me. No more than his text came in and my other son whom I also put down as a reference ( they required 4 references and my boss 's name and phone number as part of the application ) and he stated the same thing that someone is trying to get a hold of me about my car. I find this collection practice extremely predatory and intimidating as it is designed to embarrass you if you are a miniscule late with your payment or not immediately available to answer their phone calls.
07/24/2017	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	KS 672XX	Web
i got title loan on my XXXX XXXX XXXX, valued at XXXX for XXXX/XXXX! from the jump i had problems with the almost XXXX XXXX payment but i tried! the first time i had a check for XXXX mailed, thats when i learned they dont take checks! then i tried to bring in XXXX cash and expained i had to wait for the rest of the cash from the check! thats when they stated they did not take partial payments! at this point im behind and can never catch up cause they dont take partial payments. so the van got repo and im not fighting it! my problem is i owe more with them having my car then where i started! my van was valued at XXXX and they only sold it for XXXX XXXX leaving me a balance of XXXX.. which mean i just gave them my car and owe more for the car!!! thats some bull ... and doesnt even make sense or like they was really trying 2 recover this money cause they knew they would continue to collect from me! they could have let me keep my van if selling it was going to keep me in debt!
04/11/2017	Yes	Consumer Loan Title loan	Can't contact lender	OH 43209	Web
I applied for a loan with Loan Max in XX/XX/XXXX At which time I opted out of receiving text messages and electronic communications. During XX/XX/XXXX a representative began texting repeatedly and stated she could and would continue to text and there was nothing I could do about. The representative of Loan Max stated as long as I owed money she could do what she wanted. In addition to texting the representative would place calls to me from her personal cell phone. I repeatedly requested to speak to the management team and was told they did not have the managers phone number nor the number to the corporate office. I request and will allow Loan Max to forward all electronic text messages that took place between myself and the representatives of Loan Max. My car has been repose and the value far exceeds the balance of r he loan. My vehicle is a XX/XX/XXXX XXXX and the balance of my loan is XXXX and the low end XXXX value is {$16000.00}
12/07/2021	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	TX 75115	Web
I took out a title loan XXXX XXXX, 2021 at Loan Star Title Loan XXXX XXXX XXXX XXXX for XXXX. My loan payment was due XX/XX/2021. I called to make the payment XX/XX/2021. Unfortunately, my car was hit by another car and totaled on XX/XX/2021. I notified the XXXX XXXXompany. The XXXX company sent a payoff request to Loan Star title XXXX and Loan Star title requested XXXX to payoff a XXXX loan less than 60 days. I called and spoke to XXXX at XXXX. I advised her this is considered predatory lending. She stated Loan Star Title would refund me the over stated interest shown on the pay off. I can not get her or anyone in her office to answer or return my calls regarding my refund check. I was charged ~ {$1700.00} in fees for a loan less than 10 days past the due date due a car accident that wasnt my fault. I am requesting your assistance to help protect people needing this type of service against senseless predatory lending in Texas.
05/03/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NV 89122	Web
I defaulted on a title loan in the beginning of XXXX they repossessed my car. I owed {$1700.00} at the time of repossession. They informed me that to get my car back I have 7 days to pay {$3400.00}. They were charging me {$1700.00} for repossession fees, storage fees for 7 days and towing fees. Which seems excessive. Well on the 8th day they auctioned my car. They sold it for roughly {$6900.00}. I received a letter from the company stating the overage. Letting me know I was owed {$3500.00}. I called the company to receive my money I was told a check would be issued in 30 days. Its been almost 120 days and no payment from them. Every time I call the tell me there is no updates or scheduled date for my payment to be mailed. Ive been calling for over 90 days. They gave me 7 days to pay them but they can not give me a check for what Im owed almost 120 days later. I should not have to wait any longer to be paid whats mine.
03/13/2020	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	NC 28334	Web
We took a title loan on our XXXX XXXX last year. We were toldat the time of the sale we would receive any overage within 30 days. The car was autioned XX/XX/2019. Time went by and we heard nothing from LoanMax/XXXXXXXX XXXX. Not a phone call, letter, emailb text message. We called for information and were told we did not receive our overage because we did not request it. We owed money and our car was sold per the terms of the loan. Fair enough. We needed less than 1 week and {$200.00} to pay the loan in full. LM would not accept partial payment nor hold the car for 5 days. We are now due in excess of {$9000.00} and have not received a response even close to acceptable. My husband left 3 messages for a supervisor with no response. He called again last week and was told we had to wait another 120 days for the check to be issued from XXXX to LM and another 60 days for LM to issue the overage to us. Unacceptable.
11/02/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AZ 85364	Web	Servicemember
I took a title loan out Loan Max XX/XX/19 for XXXX dollars, with due date XX/XX/2019 but because I made a payment earlier ( XX/XX/XXXX ) to avoid the interest rate they change my due XX/XX/XXXX Instead of XX/XX/2019 They said I was manipulating the situation, that not manipulating that is business and I know from past experience with loans because I pay earlier my due date never changed This is Loan Max attempt to penalize me for paying earlier so they can gain interest and profit unlawfully .They also it is stated in the contract if you pay earlier you change the due date so you really being manipulating, penalize by loan max so they can collect more interest making less of your payment go on the principle. Also because it is the contract does mean it is legal, I have the right to pay earlier without being penalized by loan max to prevent me from doing so by changing my due date
06/06/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	KS 67204	Web
Loan max will not close account so my credit has been deemed poor i have been unable to even get a XXXX loan of {$2.00} When i placed the title loan as debtor with Loanmax as creditor i gave the XXXX to the driver after he lured me into the cab of his truck we talked for over an hour he asked me alot of questions about me personally then i gave him the keys and he lied on the report saying it didnt runbut i received a letter stating the XXXX XXXX sold and they applied that amount to my loan tjat that loan was then satisfied. I needed a title loan anf tjey denied me because of the error in my customer file XXXX needs closed and discajrged for full settlement of accounting / accounts of the XXXX XXXX XXXX account asap and i need compensated in tender and the tender tp be returned to me and the original securities/bond including interest/dividend payments
12/04/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	MO 64131	Web
I had a previous loan, but with your help, I was able to make it the installment loan it was supposed to be in the first place. With it almost paid off, I was given the opportunity to add another loan. Come to find out later, that it would no longer be an installment loan, but the entire amount would be due and payable in 30 days. It was not necessarily the amount to pay back, but I thought it would continue as an installment loan. Upon trying to remedy the situation, I was told that as long as the balance remained above {$500.00}, it would be due and payable in 30 days after that I could make it an installment loan. I 'm willing to keep doing business with them, but I do n't consider this rule fair. Help! Now I 'm worried of what might happen to my car. I just had it serviced at XXXX XXXX XXXX for {$1800.00} and I ca n't pay that entire amount.
03/17/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 77450	Web	Servicemember
Ok I had taken out a Title loan for my paid off vehicle, However back on XXXX 2015 I had needed extension for a week, A gentlemen by the name of XXXX told me I could n't get an extension but I qualify to get an additional {$500.00}, IF I bring them {$340.00}, and he sold me on the Idea, when I get my taxes just paid it off. ( But I have n't receive taxes yet ) SO I took the additional {$500.00}, which was only {$160.00} difference. Now I am stuck paying {$410.00} a month just on interest alone. Now I ASKED FOR AND EXTENSION FOR FEBURARY AND THEY HAD GAVE ME 30 DAYS. I feel like if he would allowed me to get the extension in XX/XX/XXXX I WOULDNT BE IN THIS MESS, I AM SPENDING MY WHEELS JUST PAYING ON THE HIGH INTEREST RATE ... ... ..IN XX/XX/XXXX MY LOAN WAS DOWN TO {$800.00} NOW ITS {$2100.00} WITH {$410.00} INTEREST RATE ...
10/19/2022	Yes	Payday loan, title loan, or personal loan Title loan	Improper use of your report Report provided to employer without your written authorization	MS 392XX	Web
On XX/XX/XXXX, I asked my brother to take a payment to the title loan company and the representative XXXX XXXX XXXX at the counter disclosed my entire account information with him even though he is not on any loan contract which I have with them. I have made calls to the corporare office to lodge a complaint and I was told that I had to speak with someone at the office where the offense occurred. The store manager said that " I told her not to talk to the relative but she did it anyway '' as a store manager she should have stopped this immediately. They are not taking responsibility for the error in judgment. I want the satisfaction of knowing that no other customer has to endure this unethical behavior. I take pride in my privacy and they have completely violated that by disclosure of financial information to a third party.
05/19/2016	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	VA 232XX	Web
I Took a loan {$1200.00} from Moneymax title loans and after my car got some problems that need to be fixed called them to let them know that the car need to be fixed so want to see if we can have settlement. they refused and told me that they will settled for {$1300.00}. That is not a settlement in anyway since the amount we are talking about is {$1200.00}. So when I realized that they have no intention of settling I told them okay you can take the car let me know when you want to and they refused to let me know. They just show and took the cars with my valueable in its. Now they are telling me to walk over XXXX miles distance to retrieve my valuable. I told them I do not have a car because you took the car in the first place. you should have told me what time you were coming so I could have take everything out of my car.
04/09/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	OH 44446	Web
On XX/XX/2019, the company Select Management Resources attempted to contact me at my place of employment. The representative who called was advised that my work was not a an option to contact me as it is a place of business and to not contact again. The represent XXXX XXXX, a title loan company in XXXX, Ohio. XXXX XXXX was already informed prior to this communication that I had an attorney retain for Chapter XXXX bankruptcy. Select management has continued to contact my work phone number daily and has been told each time to stop calling that number and yet they continue to contact. The phone number that comes up on the caller id do not work to call back. So, they are contacting me after they were told to stop by my employer and after they were provided with valid attorney information regarding bankruptcy.
12/05/2017	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	MO 64804	Web
I filed bankruptcy last year and the debt has been discharged since around XXXX, yet the title loan comapny continue to call and threaten and send letters. My lawyer has talked to them and explained that I have filed and that the debt has been discharged, they already knew but tried to lie and say the case was closed not discharged. My lawyers office also faxed them papers ( again ) proving that they debt was discharged in the bankruptcy. They took the car, finally like they should have done months ago, but now are sending letters that I have to pay them whats left on the loan once its sold. They would n't take the car until my lawyer had to contact them, they had been trying to threaten me with a tow charge whether I dropped it off or not. The company is mid american title loans in XXXX mo.
03/29/2023	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	OH 45840	Web	Older American
THE COMPANY LOAN MAX LEFT TOWN I LOST MY JOB IN XX/XX/2019 THEY LEFT TOWN CLOSED UP AND I HAVE NO TITLE TO MY CAR THE XXXX XXXX XXXX ATTEMPTED TO REACH THEM IN AN OFFICE XXXX OHIO THEY REFUSED TO SPEAK WITH THEM THERE IS NO RECORD OF THE LOAN OR ANY OTHER INFORMATION ON ANY OF MY CREDIT FILES NOR ANY LISTED INQUIRIES AT THE TIME THE LOAN WAS ISSUSED THEY DEMANDED CASH AS PAYMENT AND NEVER ISSUESED ANY RECEIPTES I NEED THE CAR I AM OVER XXXX AND I NEED TO GET TO WORK AND THE DOCTOR AFTER MY XXXX THE STATE OF MICHIGAN REFUSED AFTER INFORMED OF THE ABOVE TO EVEN ISSUE A LIEN TITLE SO I COULD GET PLATES THEY NEVER TRIED OR TOLD ME THEY WOULD REPOSS THE CAR I NEED A TITLE, MICHIGAN SAID THEY WOULD 'MAIL " THEM A TITLE MAIL WHO? I PAID THE LOAN I NEED THE TITLE NOW
05/26/2020	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	VA 23608	Web
In XXXX of 2019 I took out a title loan from loan max in XXXX XXXX va to help my daughter with her mortgage. The original loan amount was {$710.00}. Since XXXX she has paid XXXX, today she called to inquire about a payoff expecting ot to be about half of the amount borrowed ( because XXXX has already been paid on the account ) and she was told that the payoff on XX/XX/XXXX would be {$890.00} which is greater than the original loan amount. I feel that this was an opportunistic loan that preyed on people in a tough spot. By the time we are finished paying this loan off for {$710.00}, we would have paid back over 3 times thay amount. How can this be legal? How can you pay on a loan for half of a year and the amount you owe is greater than the original amount?
04/15/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	NM 87121	Web
My grandma was sick and I needed money for the bills so I took out a title loan for XXXX $ ( @ 175 % APR ) in XXXX of XXXX now. on XX/XX/XXXX my grandma passed away and I'm left with all the bills, I'm a XXXX XXXX XXXX XXXX that was hit hard by COVID and I explained this to the title loan company but they towed my car when I was visiting my friends apartment after 2 missed payments that is XXXX total but when I called them they are trying to charge me XXXX to get it back and that's not paying the tow fees and if the car gets sent to auction they said there will be more fees. I got a letter in the mail saying my car would be sent to auction after XXXX but when I called them to retrieve my belongings on XXXX they said my car was sent to auction already..
07/28/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 770XX	Web
XX/XX/2019 I reached out to Loan Star Title Loan to request and a final payment agreement, and the manager explain that they would agree to wouldn't negotiate with me paying the money I borrow. They would like for me to bring into the office {$750.00} toward the loan and for me to continue with monthly payments. I've reached out on several occasion hopeful that they will agree to allow me to pay what I borrow. In regards of this matter. I reached out to thirds parties to see if I could receive help, only to find myself of having my propert destroyed do to towing companies, vandalised my lawn and flowers. XXXX Police has came out on several occasion for their hired towing companies making verbal threats. I have proof if needed.
10/13/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	NC 28214	Web
Yes I have been with LOAN MAX for 2 years and I have paid them over {$8000.00}. I have been paying {$630.00} a month for the last 12 mnths and that total 's - {$7600.00}. Now this is just so wrong for this company to treat and do people this way when they are down and need help. I understand that I have signed a contract but at some point this is REALLY BAD BUSINESS AND NEEDS TO BE ADDRESSED!!!!!!!!!!!. I HAVE BANK STATEMENTS THAT WILL SHOW EVERY MONTH WHAT I PAID TO THEM LATE OR NOT IT IS STILL MONEY GIVEN TO THIS SCAM COMPANY. I WILL NOT STOP ADDRESSING THIS COMPANY UNTIL SOMETHING IS DONE THIS IS SO WRONG ON SO MANY LEVELS. PLEASE SOMEONE HELP ME ADDRESS THIS MATTER. LOAN MAX XXXX XXXX SC XXXX XXXX XXXXFRAUD!!!!!!
01/15/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX XXXXX	Web
This is my third attempt in trying to resolve a car title loan issue. In speaking with XXXX back in XXXX about the loss of my job, they modified the loan only I as I told them on the phone, I had no income and but was asked to pay {$1200.00} more dollars anyway. I have now paid a total of {$1800.00} on this loan and I can not come up with the remaining {$400.00}. Im asking XXXX to please forgive the remaining {$400.00} and allow me to have my car title returned as this is our only form of transportation. I paid {$800.00} of what they were asking. I am still unemployed and on welfare right now. I need this car to find work and get my kids around. I had no idea I would lose my job and it put me in this situation
08/30/2017	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 763XX	Web
I made the mistake of going to Lonestar Title for a title loan, little did I realize how much higher their interest rate was from others. My payments are double from what they would be. In trying to find someone to refinance the loan, no one can because Lonestar sends the car titles off to their home office which in return keeps any other title loan company from being able to buy out that loan. I think this is deceptive business practice and a racket to keep customers from being able to get a much lower interest rate and payment with someone else. They are the only title company I have found out in our city that does this and now I know why. It 's wrong! Because I struggle to pay such outrageous payments.
04/11/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX XXXXX	Web
I made one payment to this company and maintained constant contact. They have been very rude since Ive been unable to make payments and have told them repeatedly that I am voluntarily surrendering the vehicle. In order to charge more interest, they keep stating they arent in the car selling business and keep my loan open. Loan start was XX/XX/XXXX with a 700 % interest rate. They stated that if I paid only interest at {$780.00} a month, I could renew my loan after 5 months, still not paying down the initial principal of {$2800.00}. I told them in XXXX of XXXX that I was unable to continue to make payments because I was unemployed. This was when they responded with they couldnt take possession of the car.
02/22/2022	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	PR 00623	Web	Servicemember
As well all know, Borinquen Title Loans ( BTS ) is a company that provides secured loans where borrowers can use their vehicle title as collateral. Borrowers who get title loans must temporarily surrender the hard copy of their vehicle title, in exchange for a loan amount. When the loan is repaid the vehicle title must be returned to its owner. At the time I signed the contract, I was told that mailing the vehicle title would be option for me to get back said title. For my surprise, once I repaid the loan, I called BTS and I was told that I no longer have the option to get the vehicle title back by mail. As a result, I am prevented or, at minimum, limited in obtaining my vehicle title in return.
11/18/2015	Yes	Consumer Loan Title loan	Payment to acct not credited	OH 454XX	Web
On XXXX/XXXX/2013 I took out a {$3000.00} Title Loan from Drummond Financial Services, LLC dba Loanmax located at XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX. My first payment was due on XXXX/XXXX/2013 in the amount of {$1000.00}, due to payment being late 11 days LoanMax took my cash payment of {$1100.00} then advised me that due to the late payment my loan had to be refinanced. My payment that was made on XXXX/XXXX/2013 of {$1100.00} did not apply to either loan. At this time LoanMax still has a lean on my vehicle and due to the fact that this company refuses to work with me I have not made another payment since XXXX/XXXX/2013. Supporting documentation can be supplied when needed.
02/03/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AZ 85041	Web
On the morning of XX/XX/2021 while getting in my car, I was approached by a neighbor in my apartment complex who informed me that a tow driver from LoanMax had come into our parking lot and began snapping pictures of my license plate and car. When the driver saw the neighbor, the driver informed the neighbor that the neighbor 's car would not be towed and proceeded to tell the neighbor that he was only seeking photos of my car and that my car was currently on " hold '' pending loan payment. He also showed the neighbor " proof '' that my car title loan was on hold. I did not authorize LoanMax to communicate with anyone other than myself. This is a direct violation of the FDCPA.
10/17/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	KS 666XX	Web
I asked several employees from this company if I pay off my principal, will I still be charged interest on the balance. I was told no by every employee I encountered. In fact, they tried to make me feel XXXX for asking such a question. My purpose for paying just the principle at the time was to stop the high interest I was accumulating. Once I paid the principal, I would then just focus on the balance without having to worry about interest. Once the principal was paid which was XXXX dollars, about a week or XXXX later, I received a letter in the mail stating my balance plus INTEREST! The interest was approximately the same amount as it was before I paid off my principal.
02/08/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	WI 53143	Web
I have been receiving phone calls and texts on a daily basis. Sometimes numerous times a day. I explained that I am laid off and receiving unemployment benefits that barely pay my rent. I have also asked them to stop contacting me. They have stated that I have received unemployment for a number of weeks and that I should be able to pay the loan. Which, as stated, is not possible since my benefits barely cover my rent. It's my belief that under federal law that when told to stop the contact, they must stop. However, they have continued to do so. I have blocked the calls and texts from being received from my phone. I have told them that I would pay once I return to work.
02/10/2023	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 76028	Web
While I was in default of my title loan I decided to trade in my truck to have. It paid off and use the left over equity for down payment on another vehicle. The in house loan depart and I on speaker phone called to get the 10 day payoff amount. While looking for and deciding what to get along with finance options the title loan company continued to call the dealership days after harassing them about the truck also. This happened more than once. Discussing my account with the owner of the dealership. In return I did not get the loan. Imagine how hard it is to recieve a auto loan when a title loan company continuing to call the dealership about a default auto account.
08/26/2020	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	NH 03060	Web
I took a title loan on my car last year I have not heard from them in a year in a half time no email no mail they came Sunday and repoed my XXXX. I'm out of work because of covid no money they wanted XXXX to get my XXXX back I tried to work with them with no luck they kept saying I needed to have the money. it would have been nice if they would have contacted me they said they tried calling they read off the phone number it wasn't my number and I sent them that they took my real number and they said they tried calling they don't send emails they don't send anything in the mail but all the sudden I got a letter in the mail stating that my car was picked up.
06/20/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	PA 16101	Web
I contacted Loan Max XX/XX/2016 to ask about a title loan. I was only looking for {$1200.00} and I asked the lady on the phone what the interest rate was and she proceeded to tell me it was 24 %. So I drove 45 minutes to get this loan and after I signed everything was then told that it is only a 60 day loan at an interest rate of 324 % APR. This is predatory lending at its best, this is a classic bait and switch get you in the store and tell you everything is great and easy and then proceed to " XXXX '' you of all your hard earned money. Even though I only make about {$1200.00} a month they still did n't care and went ahead with everything anyways.
05/11/2017	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	KS 66441	Web	Servicemember
Hello I am a XXXX XXXX XXXX wife and mother. On XXXX I took out a loan for {$600.00}. Then another on XXXX for an additional {$700.00}. I paid on my loan monthly while I was working at XXXX . When I lost my job in XXXX of XXXX I fell behind on my payments, I paid when I could. Later I found out none of my payments were going to principal. They were only being applied to interest. When I originally found out about the Title Loan company it was from a commercial. The commercial did not say if the loan is not paid off in 30 days that your repayment amount basically doubles and triples over time.
04/25/2020	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	TX 76240	Web
Lonestar Title Loans forged a signature on a second loan to void out my sell of the vehicle. They only said they would buyout his loan at XXXX XXXX XXXX not put the car back in my name. I thought it was strange they had me signing paperwork. Then they continued to harass me after telling them the car was totaled and sending proof, and talking to regional dmv office receiving proof of forgery. To this day they are texting and leaving voice-mails with personal and threatening information not knowing who's phone they are actually calling. This all occurred between XX/XX/2019 to present.
06/15/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	WI 53546	Web
I made all XXXX payments - some were late, some on time. The contract did n't state anything about an amount for late fees. I am now being told that I have two additional payments left to pay. I feel that I have made the contracted payments and their website shows only a maximum of 5 % for a late fee, yet nothing is stated in my contract. The maturity date on my contract is XXXX / XXXX / XXXX - and now as of XXXX / XXXX / XXXX they are telling me I owe more. I have attached my contract along with a payment statement from their website and their disclosure from their website.
06/18/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 77044	Web
Lender Fees are Usury and its lending practices are predatory. Texas law allows only a 10 % annual interest rate on a secured loan I borrowed XXXX dollars against the Title of my XXXX XXXX XXXX. I was told it a was only a 30 day loan. I was told the interest would only cost me XXXX. dollars if paid within 30 days. .The contact terms the company set was a six month payment term with interest fees that the total would be. {$8600.00} for a 30 day loan of XXXX I bring home XXXX a month before expenses. I was not told I could have opted out of the contract in three days.
10/21/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	NC 28214	Web
Please investigate this company Loan Max XXXX XXXX SC. This company is scaming on people who are in need of help. I got a title loan for {$1200.00} in XXXX incriments and now they saying I owe almont XXXX this is n't fair they have a 300 % interest on their loans at the time of signing contract your thinking OK am going to pay this off real soon but what they feel to disclose is the daily interest on the money is what kills people and make it to where they ca n't afford to ever pay off the title loan. PLEASE HELP THIS IS CRAZY AND NEEDS TO BE ADDRESSED ASAP!!!!!!
02/14/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	TX 77379	Web	Servicemember
I have asked these people to stop calling me around 5 times already. There has been times when they call daily 2-3 times a day. They said that because I signed a contract with them, that they can call me as much as they want. I stated to them that by law they have to stop calling me and they say that they do n't care and that they are going to keep on. Also they threatened me to reposes my car. According to the contract I signed on paragraph XXXX it states that if I want for them to stop the calls, for me to let them know, which I have and they refuse to do so.
01/18/2021	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	FL 32073	Web
I have been paying this loan for 9 months and still owe more than I borrowed which was only {$300.00}, this is outrageous. Also, I called to payoff the moan and the wouldnt take my final payment over the phone, only the interest payment and I told then I moved out of state. This is a horrible practice, are they trying to charge more money with this final payment process? They said I would have to go in for final payment or western union only and western union charges fees. I asked to speak with a district manager and one never called back and it's been weeks!
08/07/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30134	Web
Well when were staying in XXXX MO. I took out a title loan to help me pay bills, and I feel that the company Mid America title loan was taken advantage of those who are struggling to pay bills. They have a high interest rate of 680 % which means that they were getting triple the amount of the loan that you applied for and I figured that it was wrong at the time and i needed someone to really look into it to see why the interest rate is so high and had those that are poor and barely making it paying a high interest rate in order to get the car title back. XXXX
08/28/2015	Yes	Consumer Loan Title loan	Payment to acct not credited	MD 20745	Web
I have applied for loan max title loan and I have been paying on this account since XXXX/XXXX/2014 I received the loan on XXXX/XXXX/2014. now I have been paying {$210.00} every month to find that because i was late the money paid every month for almost 1 year will not count against the principal or the loan only interest which i totally do n't get. so these people are telling me that i have still have an almost {$11000.00} balance and the loan was for {$850.00} i have already paid {$1200.00} This is robbery as well as unfair business. I need assistance ASAP
02/09/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 76028	Web
The truck was illegal repossed they are trying to say I surrender the truck but I told them no refused. They do not even have valid XXXX. I went and tried to refinance again with then and was told it 2000 but I have to physically meet a rep at the XXXX stand in line with their manager and sign over my title before the would release the truck and before they would refinance my truck. If I paid for the lot and towing fees from them illegal repossession of my truck. They damaged it when doing so and will not let me see the damages either. Help please
02/09/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	WV 254XX	Web
loan max in XXXX has been calling me and my finances phone two to three times a day. we told them I will be making a payment this week and the lady called me today and said she needed to know what day I was making payment. I told her I would told them this week I was going to go get my check and I told her I did n't like that they where calling me many times a day and the lady yelled at me and said you made the loan so pay it. I think it 's really disrespectful and not appropriate to talk to your customers like that.
12/29/2016	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	OH 43402	Web
Thr lender keeps contacklting me about a vehicle that I have n't had in my possession since XXXX of 2015. I was assuming that they were the ones who repossed my vechile since I didnt have anything else on it. I want the calls to stop while I 'm at work! I 've mentioned several times to contact me when I 'm not working, however, the company refuses to contact me within those time frames, not to mention its probably illegal for the representives to call me from their personal cell phones which actually did happen!
11/16/2018	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30083	Web	Servicemember
I have asked them to stop calling because I am working with my attorney to file bankruptcy due to me being ill and almost XXXX and now being behind on all my debts. I told them I am not working and living with family. I asked on 3 different occasions to stop calling and the told me no and said they can call and harass me as much as they want because I owe them money because its their rights. Not only that but they are harassing my family members that are even asking them to stop but they will not.
04/11/2020	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	TX XXXXX	Web
I opened a loan using my car as collateral on XX/XX/2019. I made one payment that only covered interest. In XXXX I communicated with the company that I would not be able to make payment and that I was voluntarily surrendering the vehicle. They refused to pick it up and continue to harass me and my references after Ive communicated with them. They call me multiple times a day through different sources and contact my family members with false information about the reason they are calling.
12/14/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	MD 20744	Web
I took out a loan for {$1300.00} from them in XXXX. As of today, there is {$1500.00} left and they have the nerve to tell me I already paid {$1500.00} of just interest. Are you serious!!??? This is highway robbery and they are seriously taking advantage of people. I told them today was my last payment to them because there is no way someone and morally justify to me that it is right for me to pay {$1500.00} worth of interest on a {$1300.00} loan. Thats more that was the loan is!!!!
10/27/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Struggling to pay your loan	KS 673XX	Web
I took out a title loan on my car and defaulted. I sent them a cease and decisit letter and they stopped contacting me and my references. The car was assigned for repossession and the man that was assigned called my father in law on his personal cell phone disclosing information that is protected under the fair debt collection practices act he asked if I was hiding the vehicle and where I kept it and what my schedule was and that he was hires to pick it uo
01/25/2019	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	PA 164XX	Web
I lost my job and needed to get some money to pay rent. I got a title loan from Ohio and they are very shady. I never should have done this. I am behind on the loan because I lost my job and am facing eviction. They REFUSE to give me their corporate office phone number!!! And are very vague about a possible threat of re-posession. Their manager said they could " cap '' the loan so when I pay the full amount, it would be settled, now they say " no ''.
10/14/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 76706	Web
Lonestar title loans keeps harrasing us and calling our references and harrasing them after I have told them multiple times we are not able to pay back the loan due to loss of employment. I've advised them on XX/XX/2019 at XXXX for the 20th time they can come get the car and where it is located and they stated they don't want the car and they are gon na continue to call and harrasing until we pay and that the calls will not stop to us or the refs.
10/26/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	VA 22602	Web
XXXX XXXX XXXX XXXX in XXXX vs give me a loan back in XXXX for {$820.00} dollars with in a month and half, I give them XXXX dollars but they say the daily fees make the to over 1000 dollars and I miss month and half with our paying but {$900.00} should pay for 5 months and is not even 5 month since I talked that loan please help i have XXXX kids and having big problem taking my kids to the doctor.my number is XXXX XXXX XXXX or email XXXX XXXX
05/26/2021	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 78666	Web
On XX/XX/2021, I called the Loan Star Title Loans in XXXX, TX to pay {$100.00} on an existing title loan. However, XXXX processed the payment as {$400.00} without my authorization. I called back, but XXXX refuses to provide me with her Area Manager 's phone number. XXXX can't cancel the payment either. XXXX committed fraud here, and I want justice. I can't afford groceries now that XXXX processed this payment without my permission.
06/05/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	MS 395XX	Web
They have been contacting me and relatives and my relatives told them to stop all calls and they still call. I made two payments and lost my job tried to make arrangements with them and they were not trying to work with me. The car was damaged in an accident and the tow truck company refused to give the car back because the person that hit the car did not have insurance and I was unable to get the car out
11/30/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	OK 74133	Web
I was paying my loan. I was sometimes late but, was faithful. I paid for the month of XXXX, XXXX and I received a receipt with balance of XXXX and some change. Well I was late paying XXXX and I was going to pay it until they told me that I owe XXXX. I was concerned about this issue and I decided to send in a complaint to find out if you can assist me in this matter. Thanks for Your Attentiveness XXXX XXXX
11/08/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Struggling to pay your loan	TX 79927	Web
I never finish pay the loan because the interest, I pay XXXX a month, buet is just the interest. I do not want to lose my car because of this, I think I pay the loan XXXX times. I need help please with this issue. I have health problems and I can not make payments. I borrowed XXXX but the interest is a lot. Loan Star Title Loans on XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. Please I need help.
10/24/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	NH 037XX	Web
On XX/XX/2016 I took out a title loan on my car for XXXX . I was suppose to repay the loan by XX/XX/XXXX. I lost my job during that time and my apartment. I did n't get to pay the loan on time. I recently got a new job and contacted Loan max to start taking care of the loan but the minimum payment they need me from is basically the entire loan amount. Please help.
10/15/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	OH 44135	Web
XX/XX/XXXX18 title loan taken out. person had XXXX XXXX and was under the influence of XXXX XXXX XXXX with no memory of this day! {$500.00} loan at 416 % with repayment of {$2600.00}!! How is this legal?? we went into XXXX XXXX to renegotiate terms and they didn't care! Said person was fine when they came in! well doctor and warnings on med bottle say otherwise!
10/07/2019	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	WI 54401	Web
XX/XX/19 XXXX XXXX I sent a text message stating I had no money to pay. XXXX XXXX they called and I spoke to a rep explaining the same. XXXX XXXX they called again and left a voicemail about the debt. this is violation of the fair debt collection act as it's a repeated call after I'd already spoken with someone earlier in the same day. This is harrassment.
09/15/2017	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	PA 19027	Web
On XX/XX/XXXX I went to NTL in Delaware for a loan, desperate because I had to move on XX/XX/XXXX and did n't have all the money to do so. I received XXXX on that day, not realizing the interest was at 300 %. I am a PA resident. and do n't think my interest should be this high. I am now struggling to pay XXXX a month just in interest and not towards the loan.
05/17/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	WI 53143	Web
I have had a XXXX loan out for a year and they have never explained to me the interest I was struggling like now and making payments when could had I been told anything about how that it was only interest accumulating beyond the amount I have out no one reports to credit bureau and I feel like I have been and am being taking advantage of
04/12/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	OH 447XX	Web
You didn't have an option for my problem but here it is. XXXX XXXX keeps calling my cell phone from XXXX and XXXX. I do not have a loan with them or know anyone that does. They asked me if I knew somebody named XXXX and I do not. I have asked them not to call and they do it anyway on my pay by the minute phone that is for emergencies.
03/16/2017	Yes	Consumer Loan Title loan	Can't contact lender	TX 78589	Web
I completed and paid off my loan in XXXX XXXX and have not received my title back now being XXXX XXXX. I contacted the company and they do not take responsibility for the issue and blame the issue on a particular employee that took my payment and are extremely unprofessional when I attempt to speak with someone about a resolution.
05/14/2015	No	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 75228	Web
making car the car was sold a letter was sent to the title loan company telling them the car going to auction off they never came to get it now they are calling me this loan was made harrssing XXXX XXXX XXXX XXXX XXXX XXXX lone star title loans XXXX XXXX XXXX also XXXX XXXX they call you about XXXX XXXX time per day
07/25/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	OH 45044	Web
I got the loan payed down to XXXX had to refinance it went up to XXXX after paying 4 payments of XXXX I owe XXXX it seems like every time I get it payed down I have to start over I have been paying on this well over a year I can keep doing this its like I am fighting a losing battle I would take any help out there
04/07/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 777XX	Web
Explained to company going through divorce and did not have enough money to pay remaing XXXX dollars and asked if company could pick up vehicle XX/XX/2018 instead company has repeatedly called my employer when asked to stop because my job uses phones and can not have lines tied up all day with creditor
05/29/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 77449	Web	Servicemember
I was given a title loan of XXXX on a cash car that is valued at XXXX. The intrest rate, which was not discussed with me at the time I signed the loan is 400 % which makes the loan amount I must payback 3 times as much as the car. This is a subprime loan and they are trying to steal my car by proxy.
06/21/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	OH 452XX	Web
This company refuses to work with me by lowering the monthly payments to something I can afford as I do not have a full time job any more. They continue to harrass me with phone calls and text messages. Also the interest is outrageous and causes the payback cost to increase exponentially daily.
10/19/2018	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	AZ 85048	Web
The company has been calling my phone daily for nearly two weeks now. NO PAYMENT IS DUE UNTIL XX/XX/XXXX. Today, they began calling my sister. They ( XXXX XXXX ) have no fax number OR email to send a cease and desist. I have significant health problems and they are making me much worse.
12/08/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	VA 232XX	Web
took a {$1500.00} loan from XXXX loan and after I continuously paid them they still say owed them almost {$1900.00} regardless of the fact that I paid them {$340.00} ( {$3400.00} total ) since XXXX 2015. This is beyond usury and I need my title back. I paid more then twice what I owed them.
01/30/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	VA 232XX	Web
My complaint with XXXX is usury high interest rate that was n't on what I agreed with the officer did informed about the loan would be XXXX $ but when the loan was typed it was a totally different number at XXXX I never agree to this until after I realised this loan will never be paid off
01/30/2020	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	KS 67217	Web
the title loan company is harassing me at work calling my work all time of the day 5 to 6 times a day my cell phone 5 or 6 times a day. I have ask them not to call my job 3 times and the calls continue they told my coworkers who they were and so all my coworkers know my personal info.
06/27/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	VA 20110	Web
XXXX XXXX XXXX XXXX XXXX Virginia charges a XXXX XXXX interest rate on my title loan. This is insane! I've had the loan only 2 months. The principle amount is only {$2000.00}. I will NEVER pay this off at XXXX XXXX. Consumers need to be protected. Shut down XXXX XXXX XXXX.
06/26/2018	Yes	Payday loan, title loan, or personal loan Title loan	Received a loan you didn't apply for	CA 95829	Web
XX/XX/2014 a title loan was taken out in my name, but it wasnt me. They have filed criminal charges against me. I just found out last week. I called XXXX and all the information I. Their system is wrong about me. They wont release my account information to me.
04/04/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	OH 43207	Web
I got a title loan with loanmax in XXXX Ohio on my Scion tC, they called and told my husbands boss that our car was going to be repoed when I was unable to make the payment, they did n't verify who they were speaking to before telling our personal information.
12/15/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Problem with the payoff process at the end of the loan	TX 79927	Web
On XXXX I called the office requesting to extended my pay day due to I have a XXXX, the person answer me in a bad actitude and told me they are going to repose my car, I never say im not going to pay, im only ask if i can send my payment the XXXX.
09/23/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX 77657	Web	Older American
I got a title loan XX/XX/XXXX for XXXX they told me the payment would be XXXX a month for six months. XX/XX/XXXX they told me all I had paid was the interest. I have paid XXXX on that loan and they still want more. I ca n't get my title back
08/17/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	MO 65802	Web
This is my work number and they are calling this and my personal cell more than 5 times in an 8 hour period I have received calls as early as XXXX and after XXXX. They have also called my son and sister repeatedly as well as my landlord.
10/18/2016	Yes	Consumer Loan Title loan	Can't contact lender	OH 44224	Web
loan max of XXXX ohio has been told not to contact me at work ( DNC ) per my manager per myself. They have called me at work twice now after the DNC was requested and to my knowledge its against the law.
03/02/2020	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	IL 619XX	Web
Midwest title loans is calling me at my place of employment I have asked them to stop calling my place of employment and they continue for late payment and calls me 3 to 5 times a day
03/31/2023	Yes	Payday loan, title loan, or personal loan Title loan	Improper use of your report Report provided to employer without your written authorization	AZ 851XX	Web
This was a cease and desist violation. Lender has contacted third parties and disclosed debts. Lender has refused to discontinue contacting third parties after multiple requests.
08/18/2023	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	SC 291XX	Web
The loan was paid off and they are still texting and calling me after I have told them not to call or text anymore. I also sent verification of my receipt where it was paid off.
07/13/2016	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	KS 66441	Web	Servicemember
I have been in the hospital for a while and have been unable to mke payments for my loan. They reposessed my car last night. I was in the hospital after i got am XXXX from XXXX
11/10/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Problem with the payoff process at the end of the loan	TX 79927	Web
I do not understand how to pay XXXX by XX/XX/XXXX I need help, the personal does not help me at all They say You have to pay That money, period. I do not want to lose my car
07/21/2017	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	VA 232XX	Web
I have given this company my money they still have my title saying I owe XXXX $ when I finish paying off this loan in XXXX 2017
08/03/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	MS 39503	Web
I've tried to dispute the contract through the administrative process but the company refused to let the process take place
08/27/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30331	Web
Excessive contacts daily, including calling references regarding my account. Threatened to repossess my vehicle.
04/09/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	KS 66801	Web
Contacted nearly everyday including my references. Not completely sure how to solve this when unable to pay
07/21/2017	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	VA 232XX	Web
I have paid this loan they will not release my title saying I owe XXXX $
12/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	OH 44004	Web
The debt collectors are calling back to back at least XXXX times a day
11/09/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Loan payment wasn't credited to your account	TX 79927	Web
I need help please I pay and pay and pay and I can not finish pay
12/04/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Problem with the payoff process at the end of the loan	GA 30122	Phone

11/28/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	AZ 85013	Web

11/09/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Struggling to pay your loan	TX 79927	Web

10/01/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Struggling to pay your loan	PR 00617	Web

09/18/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Problem with the payoff process at the end of the loan	TX 76133	Phone

08/16/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NM 87114	Web	Older American

01/13/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	KS 67601	Phone

11/11/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	FL 34209	Referral

11/10/2021	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	KS 67214	Phone	Servicemember

09/11/2021	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	KS 67207	Web

06/22/2021	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	OK 73932	Web	Older American

04/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	MN 55409	Phone

12/29/2020	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	OH 44903	Web

10/06/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	MN XXXXX	Web

09/02/2020	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 76305	Phone	Older American, Servicemember

04/03/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	PR 00617	Web

03/16/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	PR 00617	Web

03/05/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	KS 67204	Web

02/13/2020	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	NE 68107	Phone

01/09/2020	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 77084	Web

12/06/2019	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	TX 78362	Web

11/08/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	NH XXXXX	Web	Older American, Servicemember

10/04/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 77093	Phone

09/21/2019	No	Payday loan, title loan, or personal loan Title loan	Received a loan you didn't apply for	TX 78114	Web

07/11/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	OH 44512	Postal mail	Older American

07/10/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	OH 44133	Phone

06/04/2019	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	IL 60707	Phone

05/28/2019	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TX 77627	Web

03/28/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 76574	Web

03/20/2019	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	TX 75247	Phone	Servicemember

03/15/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan		Referral

03/14/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 76574	Web

02/18/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	PA 19111	Web

12/13/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	VA 22602	Web

11/10/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	SC 29607	Web

10/26/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	IN 47025	Web

10/25/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	OH 45406	Web

10/13/2018	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 77014	Web

10/01/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	OH 44115	Phone

09/11/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan		Fax	Servicemember

09/05/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	TX 77082	Web	Older American

08/21/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	OH 44143	Web	Servicemember

07/19/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	IL 61104	Web

07/06/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	OH 43302	Fax	Servicemember

06/27/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	WV 25832	Web

04/23/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	OH 44705	Fax	Servicemember

04/16/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	OH 44035	Web

04/05/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	OH 44311	Fax	Servicemember

03/29/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 75238	Phone

03/28/2018	No	Debt collection Other debt	Communication tactics Frequent or repeated calls	VA 23224	Referral

03/09/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	MI 48235	Phone

01/31/2018	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 22191	Web

12/01/2017	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	MA 01852	Web

11/30/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	DE 19940	Fax

11/16/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AL 35209	Web	Older American, Servicemember

11/15/2017	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan		Phone

11/07/2017	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	OH 43206	Phone

11/07/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	OH 44224	Fax	Servicemember

10/24/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	OH 43227	Phone

09/15/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	PA 18102	Phone

09/12/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	OH 45011	Web

09/02/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	MS 38701	Web	Servicemember

07/12/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	NV 89509	Fax

06/16/2017	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	OH 44310	Fax	Servicemember

04/26/2017	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	PA 15145	Web

03/17/2017	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 794XX	Web

02/15/2017	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	OH 43224	Web

02/15/2017	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	VA 22901	Postal mail

02/08/2017	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	KS 66204	Phone

02/06/2017	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	KS 66204	Phone

01/26/2017	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	OH 43512	Web

01/25/2017	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	OH 44224	Web	Servicemember

01/23/2017	Yes	Consumer Loan Title loan	Payment to acct not credited	TX 75021	Fax

01/17/2017	Yes	Debt collection Auto	Taking/threatening an illegal action Threatened arrest/jail if do not pay	IL 60202	Web

12/31/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	WI 53713	Web

12/26/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	NM 87417	Web

12/13/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	MO 64131	Fax

11/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	TX 78410	Web

11/09/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	KS 66212	Phone

10/18/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 45406	Web

10/13/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OH 44706	Postal mail	Servicemember

10/02/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 78410	Web

09/28/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	IL 60016	Referral

09/23/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	KS 66062	Phone

09/15/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 75243	Phone

09/06/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 77084	Fax

08/08/2016	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	VA 23462	Phone

07/06/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	OH 44262	Web	Servicemember

07/05/2016	Yes	Consumer Loan Title loan	Payment to acct not credited		Phone

05/24/2016	Yes	Consumer Loan Title loan	Lender damaged or destroyed vehicle	MI 49418	Web

05/23/2016	Yes	Consumer Loan Title loan	Can't contact lender	WI 54241	Web

03/21/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 76825	Phone

02/16/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 75604	Phone

01/27/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 767XX	Web

01/08/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OH 43950	Phone

01/08/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OH 43950	Phone

01/07/2016	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	NC 28216	Web

01/06/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 77082	Web	Older American

11/17/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	OH 45103	Web

11/16/2015	Yes	Payday loan	Received a loan I didn't apply for	TX 761XX	Web

11/09/2015	Yes	Consumer Loan Title loan	Applied for loan/did not receive money	VA 24541	Web

10/15/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 76301	Web	Older American

08/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	AL 35234	Phone	Servicemember

08/11/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 77598	Phone

08/03/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 76133	Web	Older American

06/01/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OH 43215	Postal mail

05/20/2015	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	MN 55945	Web

04/07/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IN 47441	Postal mail	Older American

03/19/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA 24531	Phone

03/19/2015	Yes	Payday loan	Charged fees or interest I didn't expect	TX 77477	Web

03/17/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 77099	Web

03/11/2015	Yes	Payday loan	Charged fees or interest I didn't expect	VA 24482	Phone

02/28/2015	No	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 79605	Web

02/23/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	OH 43209	Web

02/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	MS 39501	Web

02/06/2015	Yes	Consumer Loan Title loan	Payment to acct not credited	TX 76014	Web	Servicemember

01/29/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	VA 23219	Web

01/28/2015	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	NV 89509	Web

12/31/2014	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	SD 57702	Web

12/26/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	OH 44053	Web	Older American

11/20/2014	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	GA 30080	Phone

11/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 76006	Web

11/10/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	VA 24639	Web

11/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OR 97015	Web

10/27/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	OH 44203	Web

10/23/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95758	Web	Servicemember

09/29/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 44624	Web	Older American

09/28/2014	No	Consumer Loan Title loan	Charged fees or interest I didn't expect	OK 74155	Web

09/24/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	OH 45403	Web

09/21/2014	No	Consumer Loan Vehicle lease	Problems when you are unable to pay	VA 23974	Web

09/12/2014	Yes	Consumer Loan Title loan	Can't contact lender	TX 75492	Phone

09/10/2014	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	OH 45237	Web

08/25/2014	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 75074	Phone

08/21/2014	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	NC 27055	Referral

08/04/2014	Yes	Debt collection Auto	Communication tactics Threatened to take legal action	OH 45014	Web

07/28/2014	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	NC 27215	Phone

07/24/2014	Yes	Consumer Loan Title loan	Payment to acct not credited	NC 28379	Web

07/24/2014	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	OH 43614	Web

07/22/2014	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	PA 15214	Web	Servicemember

06/03/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	DE 19801	Phone

05/22/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	MO 64870	Web

05/16/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VA 24153	Web

05/07/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease		Phone

04/16/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 75141	Web

04/14/2014	No	Debt collection Payday loan	Taking/threatening an illegal action Attempted to/Collected exempt funds	OH 44481	Phone