TMX Finance LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
10/08/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 310XX	Web
Company responded on XX/XX/XXXX that XXXX XXXX entered a thirty ( 30 ) day Pawn Transaction and Security Agreement ( the Agreement ) with TitleMax on XX/XX/XXXX, in the original principal amount of {$3000.00} ( the Pawn ) and pledged his XXXX XXXX XXXX XXXX ( the Vehicle ) as collateral. Pursuant to the terms of the Agreement, XXXX XXXX Pawn balance was due on or before XX/XX/XXXX. If he did not wish to pay his full balance, at a minimum, XXXX XXXX could paid any accrued pawnshop charges to extend the Pawn for an additional thirty ( 30 ) days. On XX/XX/XXXX, XXXX XXXX elected to pay the minimum charges of {$450.00} to extend his Pawn rather than paying his {$3400.00} balance.. XXXX XXXX then repeatedly made payments to extend his Pawn until XX/XX/XXXX, when TitleMax received notice that his {$450.00} payments made on XX/XX/XXXX, and XX/XX/XXXX, had charged back According to the Agreement terms, XXXX XXXX defaulted on his Pawn Agreement and his the vehicle was repossessed on XX/XX/XXXX. XXXX XXXX account charged off on XX/XX/XXXX, at a balance of {$3800.00}. On XX/XX/XXXX, the Vehicle sold for {$2300.00}, {$1600.00} less than his previous Pawn balance. XXXX XXXX remains bound by the terms and conditions of the signed Agreement. In his complaint, XXXX XXXX alleged his vehicle was illegally repossessed. Our investigation confirmed that TitleMax acted appropriately and adhered to Georgia law and, in fact, gave XXXX XXXX XXXX additional months to make payment arrangements before repossessing the collateral he used for his Pawn. XXXX XXXX also alleges that TitleMax failed to acknowledge his freedom of information request. TitleMax is not subject to the Freedom of Information Act ; however, as a matter of course and customer service, on XX/XX/XXXX, TitleMax responded to XXXX XXXX via XXXX mail with a copy of the Agreement with his signature. On XX/XX/XXXX, XXXX XXXX completed an Affirmation of Cancellation of Contract form ( Affirmation ) wherein he attested that TitleMax failed to produce his signature for the alleged contract, TitleMax failed to produce documentation that TitleMax had breached Federal Law, and that TitleMax acted without his permission to unlawfully make a claim against him whereby TitleMax failed to substantiate the claim. He attested to this by signing and swearing with his signature and notarization. There is no evidence that TitleMax failed to do any of the things XXXX XXXX claimed in the Affirmation. As discussed above, TitleMax sent a copy of the Agreement with XXXX XXXX signature to him just five days prior to the Affirmation. XXXX XXXX desired resolution is to pay him damages and pain and suffering of {$10000.00}. Yet XXXX XXXX enjoyed the benefit of the funds he borrowed and our investigation reveals no wrongdoing on TitleMaxs part. Our inquiry reveals further that XXXX XXXX charged back his payment on his account in XXXX and XXXX and then signed the above-discussed Affirmation, which contradicts the fact that XXXX XXXX had a signed Pawn Agreement with TitleMax on which he had made payments. I conditionally accept your offer upon proof my signature was not a tender of payment and it did not 100 % pay off this loan at closing your company has failed to validate this debt. Pursuant to 15 usc 1692 ( 6 ) The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include of security interests, The term does not include ( A ) Any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ( B ) Any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts. ( c ) Any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties ; [ D Any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt : ( E ) Any nonprofit organization which, at the request of consumers performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors. I requested you provide valid proof that you are a creditor. That proof should not include Consumer Contract because as per the judgment in XXXX XXXX XXXX XXXX, the Consumer Contract is not sufficient evidence of a debt.Also, provide the XXXX XXXX of the transaction originated by you. I am attaching herewith a valid proof of you being a debt collector under the provisions of FDPCA. your financial institution executed by way of signing an Agreement ( " Document '' ). As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( ie Transunion, XXXX & XXXX ) XXXXThis my last attempt to amicably resolve your continued violation of the Fair Debt Collection Act, The Fair Credit Reporting Act, The Consumer Credit Protection Act, the Dodds Frank Act UDAAP section 1031 and 1036, The False Claim Act 31 U.S.C 3729-3733, Theft by Conversion, Section 5 of The Federal Trade Commission 15 U.S.C 45, regarding your REFUSAL to validate and repossessed my vehicle. According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby Informed that as a result of your fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. Title max Tmx Finance and its agents harassed me for an alleged debt that was not even validated. Your Company shared statements on XXXX XXXX as well as a copy of a Consumer Contract as per the judgment in XXXX XXXX XXXX XXXX, the Consumer Contract is not sufficient evidence of a debt.Title Max failed to provide the audit trail of the transaction originated by you. Every contract or duty within the Uniform Commercial Code imposes an obligation of good faith in its performance and enforcement Ucc-1-304.3-305. DEFENSES AND CLAIMS IN RECOUPMENT The right to enforce the obligation of a party to pay an instrument is subject to the following : a defense of the obligor based on duress, lack of legal capacity or illegality of the transaction which, under other law, nullifies the obligation of the obligor. Fraud that induced the obligor to sign the instrument with neither knowledge nor reasonable opportunity to learn of its character or its essential terms.Your company failed to clearly and conspicuously disclose the finance charge violating 15 U.S.C 1632 ( a ) which states The terms " annual percentage rate and finance charge shall be disclosed more conspicuously than other terms, data, or information provided in connection with a transaction, except information relating to the identify of the creditor. According to 15 U.S. Code 1605 ( a ) - Determination of finance charge which states the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction.This entity and all agents, your department and/or its predecessors, and/or Municipal government and/or their political subdivisions as those Contract, quasi-contracts, Agreement, implied, expressed, and/or tacit contractual consents and/or Power of Attorney were obtained as the result of lack of full understanding and failure to properly disclosure the nature of the contracts due to threat, duress, and coercion and/or Concealment of the materials facts relevant to a meeting of the minds, and make those Contracts, quasi Contracts, Agreement, Implied, expressed, and/or tacit Contractual Consents void ab initio ( Void from the beginning ) and terminated upon my discovery and election.You failed to provide an Affidavit Certifying that you did not breach any federal state contractual commercial or official oath or laws in carrying out the alleged contract and associated transactions. Failed to Certify that you did not unlawfully without my consent use my signature to materially alter, falsely endorse, stamp of convert any contract bearing my name or signature, into a security, in order to convert my contract into assets, or gain assets from a third party in stock number XXXX. You MUST Certify and prove that you are an actual LENDER and that you did not commit any action that would preclude that you used my identity in a fraudulent or illegal manner in Violation of Law and ( FEDERAL TRADE COMMISSION ( FTC ) Policy, yourself or in collusion with a third party or additional parties.You are bound by law to provide this information upon a request pursuant to FOIA USC 5 section 552 and the Fair Debt Collections Practices Act along with the aforementioned laws and Your company have shown bad faith and unclean hands in repossessing my vehicle illegally without validating the debt.Pursuant to 15 U.S.C 1692 ( g ) validation of debt which states Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. It also states If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. Title Max failed to communicate loan XXXX as disputed to XXXX, XXXX or XXXX violating 15 U.S.C 1692 ( e ) and continued to report inaccuracies on my credit file defaming my character reporting a repossession and alleged debt on my credit file violating FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX XXXX you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs, DIEM CORPORATION, No, CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA. Violating US Court of Appeals Ninth Circuit No.00-15946 Nelson Vs Chase Manhattan.Fine is extent of damages incurred by the wronged party as deemed by the court. In XXXX, the courts ruled that reporting a collection account is indeed considered collection activity. Your Company violated the cease and desist orderentities violated the Fair Credit Reporting Act by regularly furnishing inaccurate and incomplete information about consumers to credit reporting agencies.Violating 15 USC 1692e ( 2 ) ( A ) by reporting the Derogatory Debt on my credit report. The legal status of this debt is falsely representing the legal status of this debt reporting it to the credit bureau FCRA, $ 611.Pursuant to 15 U S C. 1681 ( i ) ( 5 ) Treatment of inaccurate or unventiable information. : The FCRA prohibits information furnishes from providing information to CRA 's that they know or have reasonable cause to believe is inaccurate. The FCRA 15 U.S. C. Sections 1681-1681y. imposes responsibilities on all persons who furnish information to CRAs. These responsibilities are found in Section 623 of the FCRA 15 USC. Section 1681 ( s ) 2 - falsely reporting information to the credit bureaus.The Debt Collector harasses, oppresses and abuses consumers for violation of Section 806 15 U.S.C 1692 ( d ) .Title max and XXXX illegally repossessed my private automobile violation of 18 U.S. Code 893 - Financing extortionate extensions of credit using An extortionate extension of credit is any extension of credit with respect to which it is the understanding of the creditor and the debtor at the time it is made that delay in making repayment or failure to make repayment could result in the use of violence or other criminal means to cause harm to the person, reputation, or property of any person.An extortionate is any means which involves the use, or an express or implicit threat of use, of violence or other criminal means to cause harm to the person, reputation, or property of any person. It also states the repayment of any extension of credit includes the repayment, satisfaction, or discharge in whole or in part of any debt or claim, acknowledged or disputed, valid or invalid, resulting from or in connection with that extension of credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXYour company have shown bad faith and unclean hands using false, deceptive, or misleading representation or means in connection with the collection of this debt without validating this debt without certifying they had the right to enforce the debt. Pursuant to 15 U.S.C 1692e which states a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt represented and implied that nonpayment of a debt will result in the seizure ( repossed ) and sale of my property unlawfully. Your company illegally made threats and repossessed my vehicle an action that can not legally be taken be taking without validating the debt.Your company illegally Communicatied and threaten to communicate credit information on my credit file which is known to be false, including the failure to communicate that a disputed debt is disputed.The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Title Max failed to disclose in the initial written communication with the consumer that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector they made false representation. your Company has violated 15 USC 1692j ( a ) because your Company furnished a deceptive form to create a false belief in me that the " Creditor '' was attempting to collect the debt but in reality, it was not true.Pursuant to 15 USC 1692j ( b ), any person who violates the above-mentioned section shall be liable to the extent as mentioned under 15 USC 1692k . 15 U.S. Code 1692j - Furnishing certain deceptive forms which states It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. Also in violation of 18 U.S. Code 1001 - Statements or entries which states whoever, in any matter within the jurisdiction of the executive, legislative, or judicial branch of the Government of the United States, knowingly and willfully falsifies, conceals, or covers up by any trick, scheme, or device a material fact ; makes any materially false, fictitious, or fraudulent statement or representation ; or makes or uses any false writing or document knowing the same to contain any materially false, fictitious, or fraudulent statement or entry ; shall be fined under this title.Debt Collectors may not use any language or symbol on an envelope for correspondence with you ( other than its address ) that indicates it is a debt collector.Your company and XXXX is in violation pursuant to 15 usc 1692 ( f ) illegally took nonjudicial action to effect dispossession or disablement of my XXXX XXXX XXXX XXXX XXXX and there is no present right to possession of my property claimed as collateral through an unenforceable security interest and there was no present intention to take possession of my property.Title Max without my consent given ( Communicated with third parties in connection with the collection of this debt XXXX violation pursuant to 15 usc 1692 ( f ). Title max is also in violation Pursuant to 15 U.S. Code 1692c - Communication in connection with debt collection If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. I certified mail and return receipt and your company is in violation of 15 U.S. Code 1692 ( c ).
01/16/2020	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	SC 29203	Web	Servicemember
On XX/XX/XXXX, I received my first title loan Title Max Secured Loans Company ( parent company name : TMX Finace LLC ) in XXXX SC. XX/XX/XXXX, two Months after obtaining the title loan I paid the loan in full, I was advised by the General Manager, XXXX XXXX, that my title would be available for me to pick it up in seven days. I visited TitleMax about two weeks later to pickup my title and to inquire about getting an additional loan because it was during the holidays, provided that I could get a lower interest rate than I had before. I spoke with the General Manager who explained to me that, because I had already done business with the company before and had a great payment history with the company and I paid my previous loan in full in a timely manner. XXXX Assured me that I could qualify for an additional loan at a lower interest rate. However, My title still hadn't been mailed to TitleMax by the Department of Motor Vehicles yet. XXXX made a call to TitleMax Corporate Office, explaining that I had paid my loan in full but my title had not been delivered to their store yet for me to pick it up and he wanted to issue me an additional title loan. An associate from TitleMax Corporate Office gave XXXX the approval to issue me a title loan without me having to sign my original title. Instead I signed a photocopy of my previous title. I basically signed a photo copy of the same title that I signed when I first got approved for a loan on XX/XX/XXXX. XXXX had guaranteed me that my interest would be {$6.00} a day and I made the mistake of not reading the paperwork, instead I believed what the store 's general manger explained to me about my contract and payment due date. In XX/XX/XXXX, I paid the interest due, which was about {$60.00} and received additional funds. Totaling loan amount was about {$2500.00}. When I received my first bill in XX/XX/XXXX. I was shocked at the amount due including interest. I called the store to speak with XXXX and I was advised by a woman named XXXX that XXXX is no longer employed there. XXXX explained that my interest is so high because ; 1 my interest rate was more than {$6.00} a day as XXXX explained to me it would be before A ) initiated another loan. It's actually around $ 10 day. B ) XXXX believes that my due date should have been between the first and the third of each month ( according to the companies payment schedule practices/policy ) and not the fifteenth of each month, which is what's printed on my contract. XXXX explained that although my contract has my due date on the XXXX of each month, I am being charged interest after the XXXX of each month and the only way to avoid that is to make payments on or before the XXXX of each month, despite what my contracts says. I explained that I could not make the payments that early. XXXX and I had already agreed on the XXXX and according to my contract my due date is the XXXX of each month.. XXXX explained that there's nothing they can do about it and XXXX should not have told me that and offered no other option to resolve the issue nor did the company take any accountability. Which doesn't help the problem at all. In XX/XX/XXXX I initiated a payment via the TitlteMax app. I take total responsibility for not making sure the payment posted on the app nor to my account. I just remember the screen saying processing before I closed the app and got back to work that day. A few days later I got a call that my car was being towed. I immediately called Title Max and they explained that my payment was not received. I immediately left work and went to title max to make my payment. I was advised to call title max corporate office to make the payment because the amount would be different because I would be charged towing fees among other fees. I was charged {$350.00} for XX/XX/XXXXpayment, {$350.00} for XX/XX/XXXXpayment even though it wasn't due yet almost {$400.00} for towing the reason title max explained that I had to pay so much for towing was because I'm billed by the mileage and the place my car was being towed to was over 20 miles always on XXXX XXXX. In XXXX, SC About two hours later. I ended up having to pay almost {$1400.00} to get my car back and the towing place I picked my car up from, which is the same place my car was towed to is LITERALLY SIX MINUTES AWAY FROM WHERE MY CAR WAS PICKED UP FROM. APPROXIMATELY 1.5 miles away. Title Max has refused to compensate me nor credit my account for that. At that point I was overwhelmed and sure I had been taken advantage of. I have called different attorneys offices, in hopes someone could help me or at least help understand how this is even lawful. Several Legal Secretary 's I've spoken with advised me that the lawyer fees aren't worth the trouble because TitleMax has a large team of lawyers and an agreement within their contracts if that if I, or any plaintiff lose the case, I or any plaintiff, would have to pay Title Max lawyer fees and the lawyer office wasn't willing to back me up. Other Attorneys were just too expensive for me to afford. I stumbled across a website a few weeks ago on XXXX where Attorney give legal advice. I asked advice from a Consumer Protection Attorney out of XXXX, SC, by the name XXXX XXXX XXXX, who advised me to file a complaint with the SC Department of Consumer Affairs for an investigation. I am not, In any way trying to get out of paying the funds issued to me by Title max. I understand that there are rules and fees due when accepting any funds from any financial organization. However, I also understand that those terms should be some level of morality to doing business. As a consumer, being charged extra extra interest that is not included in my contract is not moral at all. Title Max Secured Loans Company Has Never verified nor inquired about my income, they never asked if I had any income, They most definitely had no way of proving I had any income at the time because I work for myself and I had no IRS forms, no tax forms listed anywhere at the time to verify I had any income for TitleMax even to determine if I can afford to pay back the money they loaned me, better yet all these additional fees and interest I am being charged that I never agreed to. I received a loan for a total of {$2500.00}. I have paid Title Max a minimum of {$4600.00} to date and my current balance is nearly {$4000.00} if not more and interest is being charged every day. The amount of Interest that I'm being billed for monthly, is actually more than my monthly loan pay back amount. Which means if I continue pay {$350.00} a month on the XXXX of each month like my contract says I'm never going to have this loan paid off, EVER.. I have all my contracts documentation, the name and address of where my car was towed in XX/XX/XXXX. I can even attempt to locate my old bank statements to verify how much I've paid Title Max since XX/XX/XXXX. I have recently contacted XXXX XXXX via social media, XXXX is no longer employed with TitleMax Company but he has agreed to testify on my behalf, that someone at TitleMax Corporate office, gave him authorization to approve me for a title loan, by advising me to sign a photo copy of my previous title as collateral. As I stated earlier in this complaint. Title Max already had a copy of a title on file because I was approved for a title loan in XX/XX/XXXX. Title Max has also refused to give me my original title, that should have been returned to me after I paid my title loan in full in XX/XX/XXXX. I have spoken with the XXXX and XXXX from Title Max and neither have agreed to take any accountability for the extra interest I am being charged from the XXXX XXXX of each month when my contract clearly states that my due date is on the XXXX of each month. I recently discovered that is unlawful for TitleMax to accept, let alone offer to accept a photo copy of a title as collateral. I read an article about CFPB taking legal action against Title Max/ TMX LLC about three years ago. I also read a copy of CFPB 's order has against TMX Finance. According to that document, the order addresses a period from XX/XX/XXXX-XX/XX/XXXXwhere TMX Finance had been, ( unfortunately still are ) continuing to participate in unethical and unlawful business practices, by presenting consumers with misleading information about the loan terms, interest rates, etc. It is my understanding that CFPB has the authority to take action against companies like TMX Finance/Title Max under the under the Dodd-Frank Wall Street Reform and Consumer Protection Act. Under the order, TMX Finance is required to : Stop abusive loan-repayment policies as well as pay a penalty of {$9.00} XXXX to the CFPBs Civil Penalty Fund. This order was filed three years ago. I am living proof that TMX Finance, LLC/TitleMax is not living up to those requirements. Once Title Max made it clear to me that they were not willing to assist nor take accountability for their awful business practices. I stopped verbally communicating with the Store Manager XXXX and I began researching how to report this company as well as file a complaint. Since then I have received multiple calls from XXXX and other employees from TitleMax, calling me from their personal cell phone and/or other numbers not associated with TMX Finance / TitleMax. I am now at my wits end with this company. I don't understand that after multiple claims have been filed against this company that they still manage to engage in misleading, unethical business practices after all these years. At this moment I have not made contact with the company that TitleMax reported to to repossess my vehicle. However, I have proof that there were three different wrecker trucks at my home last night, three different drivers all came together to my home and one of the guys placed a tracker under my vehicle without my knowledge. I understand that I can only submit one complaint at a time against a company. The second complaint that I file will be against one of the owners of the wrecker companies because I am not aware of, nor do I have any proof at this time, that that company is partnered with TMX Finance, LLC/TitleMax. I have attached a copy the my first title loan of XX/XX/XXXXthat I paid in full that Title Max still has not given my back my title for.I submitted documentation that the title loan is paid in full. I also attached my latest contract with TitleMax for XX/XX/XXXX, clearly showing my due date is on the of each month. I also attached a screen shot of my balance details as of XX/XX/XXXX.
09/28/2019	No	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	TX 75043	Web
To Whom It May Concern, I XXXX XXXX is submitting this complaint on my behalf against Title Max Corporation on this XXXX day of XXXX XXXX. The original complaint filed with ( CFPB ) was on XX/XX/XXXX report XXXX ; and the reason for resubmission is to include evidence of an email to Title Max and License Bond information to help with the investigation. As a consumer, I am requesting for Title Max to send and release my original XXXX XXXX XXXX Car Title Acct # XXXX back to me for the second time because the first request was to Title Max website via email at : XXXX on XX/XX/XXXX. I notice that my original Acct # XXXX located at Title Max XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX ; was changed to Acct # XXXX ; by Title Max XXXX XXXX XXXX XXXX, XXXX Texas.XXXX ; without my knowledge. Now be mindful, that Title Max Corporation Headquarters and Title Max located in XXXX, Texas were both notified of my U.S.C. Chapter XXXX Bankruptcy by the XXXX, Texas Federal Courts. Please see ( PDF ) to Title Max Corporation and Title Max XXXX, Texas XXXX ; requesting my Car Title back after my Chapter XXXX Bankruptcy was discharged. Title Max is in violation of selling and trading consumer information through Third Party transaction and violating Federal Bankruptcy Order 11 U.S.C 727 ; which was granted to XXXX XXXX on XX/XX/XXXX ; Order of Discharge Case Number:XXXX. In XX/XX/XXXX, I was harassed by XXXX XXXX and other Third Party Debt collectors and was forced to file for Federal Chapter XXXX Bankruptcy as a XXXX consumer ; in XX/XX/XXXX due to aggressive collection acts and deception trade practices. Title Max has ignore the discharge order as of today ; they are violating Federal laws under section 524 of Title 11 of the United States Codes ; known as A Bankruptcy Discharged Violation. We both know that an injunction states that no one can take any action against a consumer regarding a discharged debt that has been exempt or granted under the United States Chapter XXXX Bankruptcy Order. The reason for this complaint is because Title Max is still trying to repossess my car by having Title Max employee following me ; however I have my car in my possession ; my car is exempt. Title Max and all creditors were notified by Untied States Government Chapter XXXX Bankruptcy of my Chapter XXXX Discharged. However, according to ( CFPB ) Effective Date : This regulation is effective January 16, 2018 and the Compliance Date : Sections 1041.2 through 1041.10, 1041.12, and 1041.13 have a compliance date of August 19, 2019 ; The rule identifies it as an unfair and abusive practice ; and the proposal was published in the Federal Register on July 22, 2016. As a result I completed research as of XXXX and obtain information on three Title Max Company here in Texas ; where my account was transfer without my knowledge and making it difficult for me to obtain my Car Title back. Please see information on Title Max located at XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, Texas XXXX ; Title Max XXXX XXXX XXXX XXXX, XXXX Texas.XXXX, Title Max XXXX XXXX XXXX , XXXX , Texas XXXX, and Title Max Corporation XXXX XXXX XXXX XXXX . XXXX XXXX, GA.XXXX. The three companies listed below do not have a License or a Bond in the State of Texas as of XXXX. XX/XX/XXXX : Title Max located at XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, Texas XXXX is where my account originated Acct # XXXX ; however I was given another account number XXXX. This Title Max Bond is Cancelled, and this would be the reason why Title Max has not responded back to my request regarding my car title ; Listed below Bond Cancelled XX/XX/XXXX ; retrieved reference information from Texas Secretary of State on XXXX from website : XXXX XXXX XXXX. Location : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX # XXXX Status : Bond Cancelled Security : Bond Account Bond : XXXX Surety Company : XXXX XXXX XXXX Cancelled Date : XX/XX/XXXX Closed Date : On XXXX : Title Max located at XXXX XXXX XXXX XXXX, XXXX, Texas. XXXX ; issue an agreement number XXXX ; although this Title Max Bond was cancelled in XXXX : Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX # XXXX Status : Bond Cancelled Security : Bond Account Bond : XXXX Surety Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cancelled Date : XX/XX/XXXX Closed Date : It was then transfer to Title Max at XXXX XXXX XXXX XXXX, XXXX Texas.XXXX with a new Acct # XXXX ; without my knowledge until I filed Chapter XXXX Bankruptcy. There is only one original account number XXXX ; and Title Max has made it difficult for me track and receive my Car Title back due to the inactive Bond Status. Location : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX # XXXX Status : Initial Registration Security : Bond Account Bond : XXXX Surety Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cancelled Date : Closed Date : I am requesting for Title Max to send and release my original XXXX XXXX XXXX Car Title A.S.A.P ; because I have already notified Title Max and they refuse to respond back ; which I gave title Max 30 days to return my Car Title. Please see PDF. Now, be mindful, Title Max were notified by U.S.C. Texas Federal Bankruptcy Courts. Title Max has continue to violate Federal Trade Practices ; by transferring and changing my original account number without my knowledge and trading my account information ; so it would be difficult for me to obtain and track my car title. I want the company 's to be investigated of foul trading practices on the following companies ; Title Max located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, Title Max XXXX XXXX XXXX XXXX, XXXX Texas.XXXX, Title Max XXXX XXXX XXXX XXXX XXXX , Texas XXXX, and Title Max Corporation XXXX XXXX XXXX XXXX . XXXX XXXX, GA.XXXX ; and to release my Car Title A.S.A.P. I have already filed my complaint with the Federal Trade Commission ( FTC ) and a complaint with Consumer Financial Protection Bureau ( CFPB ). However, I am refilling my complaint because I am submitting additional information on Title Max. I am requesting help in the tracking, locating and the release of my Car Title back to me. Please see PDF attachment, and listed below is the email sent to Title Max on XX/XX/XXXX. Release XXXX XXXX XXXX XXXX XXXX XXXX Car Title Acct # XXXX XX/XX/XXXX at XXXX XXXX PrintRaw message XXXX XXXX To : XXXX, XXXX Cc : XXXX 1 File43.1kB PDF43kB XXXX XXXX Letter to Title Max XX/XX/XXXX.pdf Download XXXX XXXX XXXX vs Title Max Corporation Headquarters ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX XXXX, XXXX, XXXX Title Max XXXX XXXX XXXX XXXX XXXX, Texas . XXXX Dear Title Max Corporation Headquarters, Subject : Release XXXX XXXX XXXX Car Title Acct # XXXX On XX/XX/XXXX the Defendant XXXX XXXX XXXX Chapter XXXX Bankruptcy was discharged and closed. All creditors were notified and had the opportunity to respond or object XX/XX/XXXX. Title Max Corporation did not respond or object within the time allotted. The Defendant XXXX XXXX XXXX listed Title Max as a creditor/debt under Chapter XXXX Bankruptcy and demand that Title Max ; release XXXX XXXX original XXXX XXXX car title and returned car Title to the Defendant, XXXX XXXX ; A.S.A.P. Under Chapter XXXX Bankruptcy 11 U.S.C 727, Texas exemptions laws ; the defendant listed her XXXX XXXX XXXX as property exemption that qualifies ; under Chapter XXXX Bankruptcy discharged laws in the state of Texas on XXXX. Defendant XXXX XXXX XXXX, property has been granted and protected by the entire value exemptions ; for one motor vehicle per licensed household under Texas Motor Vehicle Exemption Tex. Prop. Code : Title 5 42.001 and 42.002 on XX/XX/XXXX. Defendant is released from all debt and obligations from Title Max, XXXX XXXX discharge constitutes a permanent creditors such as Title Max ; from taking any action, including the filing of a lawsuit, designed to collect a discharged debt or repossession. The defendant will request the court sanctioned against Title Max if they violate Federal Court Orders and courts discharge injunction. We both know that the normal sanction for violating the discharge injunction is civil contempt, which is often punishable by a fine and reparation. Defendant XXXX XXXX is requesting based on legality demands under Chapter XXXX Bankruptcy 11 U.S.C 727 as original owner ; that XXXX XXXX car title be released and returned as soon as possible. Title Max Corporation ; has 30 business days to return defendant XXXX XXXX XXXX car title ; under Texas Motor Vehicle Exemption Tex. Prop. Code : Title 5 42.001 and 42.002 based on Chapter XXXX Bankruptcy Laws on XX/XX/XXXX. Please send Defendant-XXXX XXXX : Original XXXX XXXX XXXX Car Title via Certified Mail to XXXX XXXX XXXX XXXX, XXXX, Texas. XXXX : Sincerely, XXXX XXXX XXXX CC : United States Federal Bankruptcy Courts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Texas. XXXX XXXX, Texas. XXXX
05/22/2021	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 77074	Web
There is document attached called UNETHICAL BUSINESS that has a breakdown of some of the main things from the car place that sold me the lemon car for XXXX and and was latter found guilty by DMV regulator, to the lawyer who threatened me and caused me a world of issues to TITLEMAX the ones this settlement is over, to the other company. Thee is the lawyers odd proposal out of nowhere it showed up after me trying call her nicely three times months prior. Anyways the rest is new stuff, since 9 months ago and fact that if this not settled this time, I need to file criminal charges, human rights charges and more, this gone on past what it should TITLEMAX should be ashamed. It is Saturday night XX/XX/XXXX, this is a major update I did you a thing of a title Max 9 months ago or 8 months ago and it was very slim in comparison to this one this update is going to have some more files in it and I am keeping some files in case tell them access not do what they need to do and that is what I will put in the next part and that's going to be what it's going to take to make me happy to make this go away because as of today I can myself no I'm going to go and I'm going to have human rights committees and everything else start taking this the next level and that's slowing it down saying XXXX no you know you know no this is what happens nothing that you was lawful I don't know how they exist I do not know how they got away with doing what they're doing with me because the bottom line is TitleMax the car company has told me the car h y r e car and he actually over and a bunch of other people and companies did do what I said that they did doing before the pandemic there's no lies there's no jokes this is real this is his realism I have facts and proof of all those things but not only that the fact is I was a good guy and all the situations. No no telemax is not get away with this this is ridiculous you know the funny thing is TitleMax I spoke to TitleMax online before I ever went in to the store twice and there are two things that happened in those conversations that the one in the office doesn't realize and they coincide awfully with each other and I wonder if XXXX XXXX and figure out what those two things are it was the amount that I originally was going to ask for which I did and TitleMax blew me up and both times I didn't realize the predatory cuz I didn't know about predatory loans until the second one was done I was going on here but the bottom line is yeah I did ask for something lower when I was online both times and both as long as we're done back to back because I was going to have the first one and everything is going to be in a closed letter or breakdown is is 100 % accurate and I ain't tired of sitting here since my last putting up TitleMax has no proof on anything that they've done they have actually when I call them out when I said something to a regulator I called them out I called the office and were you sending regulators liar you know lies for and and things that aren't real off of the app the next day my contract is disappeared off that app all together if that doesn't say something that is pretty scary meaning that I don't have any access to my app I mean sorry I don't have access to that contract the XXXX XXXX so as far as I'm concerned that's probably unlawful so why do I not have XXXX in my hand for the loss of two cars two line predatory loans the fact that illegally yes and I and if any regulator or anybody wants to discuss the illegalities with me I would be glad to I'm not going to sit here and take the fact that everyone 's wants to jump on the fact that I was a few weeks late or whatever no sir the owner of the company said if you're six stay home I called XXXX XXXX I let them know what's going on I said call me back thank you the number I had they never once called when I was done being XXXX after three and a half weeks I called said you want me to come down and make the payment or do you want me to wait till Donald Trump has the the money in my account so I can just do it or what not no phone call back so sorry other phone calls. XXXX is forced from there what did I just say they did two predatory loans to me and the document falsification and it gets worse from there I called several times the car was taken see where the stuff was I had a lot of stuff in that car I did not get a phone call back from TitleMax did not get a phone call back they're not going to phone call back this was back in XX/XX/XXXX now I talked to regulator and we both assumed as of XX/XX/XXXX neither one of us were told any different that they still had myself it was very clearly slide myself so what happens now title Max, the regulated by the way was very professional and I felt bad for him because at one point I I could hear it in his voice he was very happy with the fact that he felt he may be being lied to by TitleMax and you know I was truth is he was and I'm saying it's on the government website so that it can be traced so about mine is he was and I felt bad for him because he really is a good regulator he's looking at what he does he's like he's and I've started talking to me and I felt more comfortable and more understanding I haven't contacted him since because I know that he's busy but things have gotten even worse cuz TitleMax sent me a basic threat after I have the phone talking to him I did tell him that to replace the stuff we probably cost around XXXX that's not how much everything technically well over XXXX XXXX XXXX with the stuff that car the CDs but those CDs they cost almost {$10000.00} that's not the way money works today cuz he's worthless so I understand that but there's other stuff in there and everything I've listed and that car was there something in the car in the back right now, and by the way the car in the back right now it's cost me XXXX a month just to drive it cuz for XXXX no this is not okay I have lost everything my life I'm XXXX my XXXX XXXX my reboot was supposed to happen and XX/XX/XXXX I've lost too much my loss if you want to be technical I don't care what but he wants to say or anybody wants to get glib about it because you can or can't put a price on it but my entertainment crew is very important to me those projects are important to me who knows that they would have made {$20000.00} or a XXXX XXXX huh what is this is this is this is this is my life a joke it is life a joke that's I don't care about their response I don't care about their alleged allegedly alleging. And TitleMax told me {$150.00} I have proof on that too you know, several people said to me no you have proof that's all yes I do but I don't have to have proof either because think about it XXXX XXXX off after I made my next payment don't you think that other people. It's in the owner website or I'm sorry I didn't say we're not taking cars right now and working with people one on one I'm not giving that as excuse I'm just saying hey you know I did everything right I made that phone call I was waiting for phone call back so that's all I'm thinking in my head so what did I do wrong nothing and I don't want to hear one word from TitleMax cuz if TitleMax response again with any of the ludicity they better understand that I am going to go XXXX XXXX XXXX XXXX with going to every human resources person I can in this country to find out how to take care of this human rights thing and I'm talking XXXX and XXXX of XXXX and I'm talking going to every regulator making sure that they get XXXX and XXXX of XXXX because this is crazy these guys have some documented application to a blind and it's all right there on top of the wedding cake so what else needs to be proven except for the fact that this company on top of the radar they don't care if they don't care what they do so miss games sends me a contract she says you better cease on social media well first of all I hadn't been on social media while but no don't thank you if I have something to say about your product I'm going to say it because it doesn't work look the bottom line is doesn't work. And also TitleMax both phones I got they knew that I needed money for that car that could cost XXXXin the shop for weeks on end and I want to be very clear very clear, I also have a witness who signed a statement that they were harassed by title Max by the time Max saying that I was missing and they're worried about me because I owed money are you kidding me my friend was standing next to me that morning when they called me we reached an agreement I would make a payment the next the following week and they called harassed him didn't know we live together they harassed him several times by the way right in the beginning.
03/14/2019	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TX 76522	Web	Servicemember
Monday XX/XX/XXXX WHY DID MY CAR GET TOWED BY TITLE XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX The Same Day I Payied The Loan OFF & AFTER & WHEN I HAVE A PAID RECEIPT Of The Title Loan Being S Settle Account by XXXX XXXX XXXX XXXX , Texas ? THIS WAS DONE IN XXXX BY XXXX XXXX XXXX XXXX XXXX XXXX, TX! I Am XXXX & XXXX & Was a STRANDED with OUT MOBILITY & TRANSPORTATION At XXXX with NO Way & NO Means & NO PHONE & NO KEYS To My House On Wednesday XX/XX/XXXX9 : XXXX XXXX XXXX XXXX XXXX $ PAID Settlement RECEIPT TO XXXX XXXX Dated XX/XX/XXXX Fwd : Friday XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX $ PAID Settlement RECEIPT TO XXXX XXXX Dated XX/XX/XXXX THIS WAS DONE IN XXXX!!!!!!! Provided is proof of my XXXX and XXXX. On Wednesday the XX/XX/XXXX whom WRONGFUL TOWED my vehicle XXXX XXXX XXXX XXXX at XXXX in XXXX Tx while I am attempting to cash the REFUND CHECK that XXXX XXXX XXXX had given back to me in the amount of XXXX $ after I payed XXXX $ to XXXX XXXX XXXX to Settle My CHARGED OFF ACCOUNT FROM XX/XX/XXXXon the very same day. This WAS DONE in XXXX, and was INTENTIONALLY SET UP. Again this account was from XX/XX/XXXX and was charged off and the VERY SAME DAY I Pay the account OFF is the day the PERPETRATORS WRONGFUL TOWED MY VEHICLE. They need to held accountable to the most SEVER Standards and Aplogize To me in the form of a B I G CHECK! Because of XXXX XXXX XXXX, XXXX XXXX OF TEXAS, and XXXX XXXX XXXX to whom WRONGFUL TOWED my vehicle XXXX XXXX XXXX XXXX I had to stay in a HOTEL from XX/XX/XXXX- XX/XX/XXXX named XXXX XXXX to which more INJURIES WERE SUSTAINED to my XXXX and XXXX and more bills were sustained. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX gave me BED BUG, FLEA, AND INCEST BITS to whom I had to seek Medical Intervention, and was given medication for. THIS WAS DONE IN XXXX!!!!!!! Please contact at your earliest connivence. Thank you so very much for your assistance, help, support and time! Happy Friday! Best and kindest regards, XXXX XXXX XXXX XXXX XXXX 1 Nationality 1 Aim 1 Destiny Truth, Liberty, & JUSTICE 4 ALL! INJUSTICES Has NO PLACE, In The United States! JUSTICE 4 XXXX, XXXX, XXXX XXXX of XXXX, TX! Shake NOT The HANDS, Of The EVIL DOERS! Together Seeking Justice! Together JUSTICE Served! It is not possiable to be in FAVOR of JUSTICE 4 some and n o t be in FAVOR of JUSTICE 4 A L L! Speak OUT 4 JUSTICE! JUSTICE Is WORTH The FIGHT! I Am XXXX XXXX XXXX XXXX And I, Approve My Message! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX doing business as ; XXXX XXXX XXXX Evidence & Proof of Social Security XXXX & XXXX Since I was XXXX years of age! Personal INJURY CLAIM 4 WRONGFUL TOWING AGAINST XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX of XXXX TEXAS! Greetings of power Consumer Finance and XXXX & XXXX XXXX XXXX XXXX XXXX, Happy Thursday to you all on this XX/XX/XXXXof XX/XX/XXXX. This is an important truth, and is right, that there is Absolutely NO Flexibility when it comes to the SECURITY, HEALTH and SAFETY of paying Hotel guests. After my car was wrongfully towed by XX/XX/XXXX, XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX I had to stay in a hotel named XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I am XXXX XXXX XXXX XXXX and I am contacting you about my in appropriately trying, difficult, misfortune and taxing experience, at XXXX XXXX XXXX XXXX and with this Legal Issue and Safety Violation and poor level of understanding and Failure from XXXX XXXX XXXX XXXX Management to respectfully resolve this Unwanted Problematic Situation! This I will never forget and have only experience ONCE in my XXXX XXXX XXXX years in life! From my arrival, checking in and stay account # XXXX on the XXXX Wednesday night, early XX/XX/XXXX Thursday to the XX/XX/XXXX Friday, XX/XX/XXXX to XX/XX/XXXX I booked room XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. I am XXXX XXXX XXXX XXXX and I am DEFINITELY DISAPPOINTEDLY writing you to Report my Unhappy, Unsatisfactory Guest Experience and for you to HOLD ACCOUNTABLE to the HIGHEST Legal Standards, the HIGHEST Health and Safety Standards and to Hold to the HIGHEST LIABILITY and Financially Accountability and Culpable ( XXXX XXXX XXXX XXXX ) for the DANGEROUSLY UNACCEPTABLE, HARMFUL, and UNSAFE, Hotel Accommodations and Conditions that were and are Adverse and Negatively Damaging to my Anatomy and Physiology ( Bodily ) Health and INJURIOUS to my Human Safety that resulted in me requiring physical and medical intervention in which I was Given and Prescribe Medication on Friday, XX/XX/XXXX by XXXX XXXX FNP-C of Integrity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX an STEROID named XXXX and also an XXXX named XXXX These disturbing, disgusted, unplanned Bed Bugs and or Flea Incest Bites, Unexpectedly and Unpleasant sickening Surprise and Interference has left Multiple Injuries, Multiple Bites on my XXXX and XXXX ( Body ) from the Bed Bugs Bits, and or Flea Bits that has caused Multiple Irregular, Allergic Reactions to my XXXX and XXXX ( Body ) and Multiple Wounds that are Painfully Red, Inflammable, Swollen, Itchy, Tight, Sore two inch visible circular marks and scars that are causing miserably annoyingly Discomfort, Pain and Suffering! This is NOT okay, this is NOT good! This Unwanted Problematic Health and Safety Issue was not the XXXX XXXX experience that I EXPECTED to RECEIVE nor was I READY for on my arrival, check in and guest stay Wednesday night the XX/XX/XXXX to Friday the XX/XX/XXXX. This Unwanted Problematic Health and Safety Issue and Experience was NOT the XXXX XXXX experience that I PAYED for. This Unwanted Problematic Health and Safety Issue was not the XXXX XXXX experience that I DESERVED as a paying Guest of XXXX XXXX XXXX XXXX of XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reported this Unwanted Problematic Health and Safety Issue of my BODILY INJURIES to XXXX XXXX XXXX XXXX Male Manager and to the XXXX XXXX XXXX XXXX Guest Relation Front Desk Female Attendant to whom she did Document and Photograph my Bodily Injuries. I requested to the Male XXXX XXXX XXXX XXXX Manager and Hotel Guest Relation Female Attendant to PAY for the costly Medical Bills and a FULL Refund of ALL HOTEL charges during my stay XX/XX/XXXX-XX/XX/XXXX. Please investigate. Provided Medical release and some photo documentation. I'm seeking legal advocacy and legal actions! Thank you so very much for your assistance, help, support and time! Best and kindest regards, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ALL! INJUSTICES Has NO PLACE, In The United States! JUSTICE XXXX XXXX, XXXX XXXX XXXX of XXXX, Tx! Shake NOT The HANDS, Of The EVIL DOERS! Together Seeking JUSTICE! Together JUSTICE Served! It is impossible to be in FAVOR, of JUSTICE for some, and n o t be in FAVOR, of JUSTICE for ALL! Speak OUT 4 JUSTICE! JUSTICE Is WORTH The Fight! I Am XXXX XXXX XXXX XXXX And I, APPROVE My Message! Thank you so very much for your assistance, help, support and time! XXXX XXXX P. O. Box XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX Greetings of power XXXX XXXX HEADQUARTERS CORPORATE XXXX XXXX XXXX of Operations / District Manager and XXXX XXXX of XXXX XXXX, Happy Thursday to you on this XX/XX/XXXX. I am contacting you to respectfully resolve an WRONGFULLY TOWED XXXX XXXX XXXX after being payed off and a REFUND CHECK WAS ISSUED TO ME THE SAME DAY! I XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ on Wednesday XX/XX/XXXXand a REFUND CHECK WAS PRINTED AND GIVEN TO ME IN THE Name XXXX XXXX XXXX. The same day about 1 one to 2 two my vehicle car Was repossessed by XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX! This causing and lead to this personal injury claim for damages, major inconveniences to me and of those persons who aided me in this UNWANTED PROBLEMATIC CASE. XXXX XXXX XXXX has since apologized and taken the full responsibility. PLEASE CONTACT ME ASAP! XXXX XXXX I ALSO NEED TO PICK UP MY XX/XX/XXXX FROM XX/XX/XXXX XXXX OF XXXX XXXX TX! I NEED TO MAKE A PERSONAL I NJURY CLAIM AGAINST XXXX XXXX! Thank you so very much for your assistance, help, support and time! Best and kindest regards,
05/07/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 759XX	Web
I definitely would appreciate the help in understanding my rights regarding TitleMax lying to me, misleading me, and taking full advantage of me. My being 100 % XXXX, with XXXX, and they knew my health concerns before I even walked in their door, because I called 1st and asked many questions, and I was assured that it would be only a 6 month title loan, and then I'd get my title back. They had me drive to XXXX office over an hour from my home, but said they'd give me gas for the long drive, and better chances of approval. I desperately need to understand how in the world this has happened to me, being threatened that if I don't keep taking a new loan out each month, and paying it even after I've already payed off the agreed amount, that my jeep would be taken away from me. I was lied to, and never once told that I'd be renewing a loan each month, or that I'd never get the title loan paid off. Even if I keep on paying the amount due plus the extra, it looks like I'd be paying over {$50000.00} and still not get title back.And I just got a letter on top of all this saying TitleMax has violated my privacy sharing my personal information with others which is against the law. They keep getting just a slap on the hand, " if that '', and never really have any repercussions for their basically stealing millions from innocent consumers, and now breaking privacy act laws. Then they tell me I have cash available to me if I need it, and I did because XXXX got to get to my doctor 's, and I can't this way. But when I tried to obtain the cash available, they were making me take out additional loan to put on top of my current, and raise my payments up even further. % he kicker is, they'd only give me half XXXX it, and I had to pay the other half of my available to them. I can't seem to wrap my head around that one either, not for the life of me. Can you? As bad as I needed the gas money, I couldn't afford to pay anything up front to get the over payments that I had already paid. Giving me a loan on my own money, and not unless I give them half of the loan.?? WoW?? I've been taking screenshots of each payment I make, and what it says my new amount to pay loan off is at that time, as well as the amount due for my next payment the following month. ( It never ever goes down, always up higher )! I've literally already paid my original loan off, plus the interest, and have paid way above my monthly amount due each month. I owe now more than the original 6 month loan I applied for, ( that's what they assured me I was getting ), and that's after on time payments every month, was not supposed to be for eternity, but for only 6 months or less.. TitleMax knew I'd just had a XXXX, and was just out of the hospital the day before I drove to XXXX office and got the loan. They knew that I am 100 % XXXX, that I'm in the middle of XXXX treatment, and I am XXXX desperate need of gas money for my treatment, and now all postponed. XXXX multiplies with stress, and I feel that I've intentionally been targeted, and then scammed. I owned my XXXX with a clear blue title that I was so proud of. My loan was for gas cost, and medical expenses so I could continue treatment that's hours away from where I live. It's horrible the nightmares I've been having, this kind of stuff should be illegal! I need help, please! During the application process, they wouldn't let me see their computer screen, saying to me that the font on screen would be too small for me to read. She said that she'd go over all that was on her screen so, as if she were helping me, then I could just initial, and sign. I asked her several times to confirm that as long as I pay 6 months on time, that I'd get my title back upon the last payment, and that if I was able to pay even XXXX or more above payment amount as she said, thatit would be paid in full in 5 months, and she said yes, that's correct. I believed her, and thought she was a very kind, and honest person. She proved me very wrong though, she's a con artist taught by her superiors how to use smoke & mirrors to con people like me. % hats so wrong, and punishment should be put in place. From stories I just read, they've been doing this forever, and getting away with it. I need to understand why it's ok to do this, when courts say it's wrong. They are breaking the law, and have caused horrific pain, and much damage to people 's lives, and their mental health, not to mention how many people have had suicidal ideation because they know no way of how to pay off a loan for something that was theirs to begin with, and have paid over and over again until they can't go on any further. My XXXX treatments are on hold, because I don't even have enough money for gas to get to appointments at all after paying off my 6 months and interest to total full amount, I was told that would be all I'd have to pay, but am now paying it all over and over again leaving me penniless. My electric was getting cut off the other day and I went for help from the county where I live. They paid enough to keep lights on, and a {$25.00} gas voucher.As of today I'm right back XXXX same situation after just getting paid yesterday. I'm XXXX XXXX I feel alone with no help, and see no end in sight. I have only my XXXX sons and no family. TitleMax says if I don't continue to pay, that they will take my only transportation, and I live in a rural area with no public transportation. I'm scared to death that when I took out that loan, I signed a death wish for myself. And it is so disturbing to know that this lady at TitleMax took advantage of me knowing my situation, and that I have XXXX, as well as on XXXX that provides me a very limited income each month.And they are literally trained to do this to every single customer nationwide. I have faith in the justice system, but we need someone to advocate for us, we need new laws in place that will prevent this type of thievery from companies like TitleMax! They can't keep getting away this! Please help me, I just want my XXXX title that I own, the loans never going to get paid off at 300 plus % interest rates, the principal never gets money added to it, because some lie they tell us about the loan process, and never saying to us that we have to take a new loan out every month. This is so insane! So yes, any help you can be assisting me with learning my rights here in Texas, would be very much appreciated. I'm at wits end and just don't know what to do, and TitleMax has no empathy or compassion with what Im going through with my health. This is so so wrong, and should be 100 % illegal what Titlemax is doing not just to me, but to everyone that walks in to get a loan with them, and instead is sold a bunch of lies that they make them huge huge profit, while the borrower sits and contemplates ways to make it stop, hurting themselves, or completely losing their minds to this abuse by the scam that TitleMax teaches each employees, not caring the damage done to all the lives they've ripped through like a cat 5 tornado leaving the borrower with nothing but more wreckage to clean up alone, more than they've ever had to deal with in life. Excuse my rambling on, but I " cry myself to sleep every night, I am so depressed that I never even leave the house, I can't even afford to leave, or even eat a healthy meal. I had given up hope of anyone helping me understand, and then I read the headlines on yet another complaint filed against TitleMax, and was hopeful that I may find some answers to my situation, and how I should handle it, and possibly get this paid loans weight off my shoulders. To see that so many others are going through the exact same problem with TitleMax, and to see that there's companies out here like yourself that protect consumers from these scam artist, who are only out to rip consumers off, while making huge profits, it really gave me hope today, for a solution here.Being on 100 % XXXX, with a set income, people like me can not afford to hire an attorney to help us, and TitleMax preys on us because they know that XXXX, and the XXXX persons usually do not have that kind of money and can't do anything about it when being ripped off. Thank you! What y'all do to help protect consumers is greatly appreciated! Sincerely, XXXX XXXX
05/10/2023	No	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	NV 89002	Web	Servicemember
Title Max title loan dispute complaint and possible court case. On XXXX XXXX XXXX I was going out to my car to go spend time with my daughter and granddaughter. When I went outside Iiimediately noticed my car was gone I was quite upset because I couldnt believe that Title Max had actually taken my car. So I will tell you about the loan on XX/XX/XXXX. I went to Title Max to get a loan. I told the loan agent that I only wanted to borrow XXXXXXXX to pay my car insurance and that I couldnt afford to make payments that were above XXXXXXXX a month. I also told him that my credit was very bad and they were probably not likely to approve me for a loan. I dont know why he tried to get as much as possible or as much is XXXX for me to be approved to borrow . I dont know. I didnt ask him to do that,. possibly because he had went out and took a look at my car and started it up and so I guess he thought he could get as much as XXXX approved When I took the loan out I fully had every intention of paying the loan back. I did not plan on losing my car, in fact, I used part of the loan to make the first two payments to Title Max for a total of XXXX . I also I dont feel like they were honest about figuring out my ability to be repay the loan. Isnt that the law ? So based only on my income (and that was the only document t; that I provided and that was asked for) I showed him my Social Security benefit letter, saying how much I get each month . Social Security is my only income and it also states that I am XXXX so he knew that this was my only income and the only other thing he asked me was how much my rent was which I told them it was XXXXXXXX . Everything I told him was the truth. anyway when he said I was approved for XXXX Ii told hime I didnt want to borrow that much. He proceeded to tell me a little story about some people who came in to get a loan and they didnt borrow the full amount they were approved for and then the next week they called back and wanted to borrow the rest of what they were approved for and that he had to tell them to do it. They would have to start the whole process over again and see what happened and they might not even get approved . he was trying to talk me into borrowing a bigger amountt than I requested or wanted. To me that seems very predatory. So I thought well if Im going to give up my car title then I might as well take whatever they give me ( i knew I couldnt get credit any other way) . I knew I could hang onto some of the cash to make the first two payments (XXXX and XXXX) and then my plan was in XXXX. I was supposed to move in with my daughter and that would lower my monthly expenses of rent utilities down to XXXXXXXX a month which wouldve allowed me to make the payments to Title Max I did not commit fraud. I fully intended to pay the loan back; to repay the loan. My daughter changed her mind about me moving in and then in XXXX I had no choice but to start paying the XXXX dollars a month that my apartments had raised my rent to. so there was no way I could make the XXXX payments each month and still be able to pay my rent and my bills and my medical costs . There was just no way. so in XXXX I mailed title max a letter explaining the situation and saying that I couldnt afford XXXX payment . they didnt respond so then I looked through the contract and I wanted to go about it right so I sent them the dispute letter (as it tells to do in the contract ) and they didnt respond for quite a long long time and when they did, they argued it with me in the letter and they didnt offer arbitration or anything,. I just didnt know what to do. During this time I had been in contact with XXXX XXXX XXXX, and I was attempting to get help in knowing what to do but they decided not to help me. I called XXXX XXXX XXXX and they said they couldnt help me. I didnt know what to do! Then on XXXX XXXX I received a text from Title Max saying we have a great offer for you for a repayment plan. It said call this number or text yes to get more info or something. I still have the texts so I replied yes and very next day they just came and took the car, I am a XXXXXXXX XXXX XXXX XXXX , and a XXXXXXXX Patient and XXXX XXXX XXXX and XXXX XXXXXXXX XXXX and I seriously feel like I was really treated wrongly. I feel like TitleMax is allowed to continue to break the laws and they use decpeptive and unfair business methods. basically I dont understand the laws Im trying to read them and I thought there was things that Title Max was doing wrong that they shouldve done differently. like they shouldve analyzed my ability to repay ; but they didnt and they also said my credit score was XXXX but it isnt so it never has been. Its XXXX so they lied about that, they didnt ask me about any of my other bills or my medical expenses or anything they didnt ask to see i Bank statements or any utility bills or anything like that so I dont see how they fulfilled that part of the NRS and federal legal lending laws. also when we were going through the contract or whatever I didnt have the paper pages in front of me, he didnt print out the contract for me to see it. I was just listening to him and signing my name on this little electronic pad so I dont think Ive ever actually signed a piece of paper. He didnt give me the printed contract until after it was all over with as I was leaving so I didnt even know I was signing an affidavit of ability to repay and I didnt understand the contract, and it wasnt very well explained to me and I feel it is actually very deceptive and predatory and aside from that my understanding was that the payments werent supposed to be more than 25% of my income and I attempted to state this to them and i also told them that my car should be exempt from lien or judgment because of the Social Security act and but that I still intended to repay the loan, I just was trying to get them not to come and get my car . they did anyway .and then the repayment plan they offered me. Seemed wrong. i was under the impression that ithe terms were supposed to be at a lower interest-rate . so on Friday the XXXX they took my car without any kind of notice or warning. Then yesterday I received a letter in the mail and now theyre adding all sorts of fees and saying that ii owe the original amount plus much more to get my car back. I dont think it was right for them to be able to take my car at all, IIjust feel like there was no Consumer projection, and there should be protection against that kind of business that takes advantage of people and that doesnt follow the law or fairness or integrity in lending and I cant believe they came and got my girl I already re paid them almost XXXX of the XXXX that I had borrowed . the car has XXXXXXXX miles. And needs work. And the letter stated if they dont get enough from the sale of my car that i still will owe them I also have been going through some very serious health problems that negatively affect my daily life and my mood and my abilities- the financial stress is making me weaker and sicker . I feel disrespected and taken advantage of. I feel discriminated against for my XXXX and my age Noone seems concerned about low income, XXXXXXXX XXXX XXXX.especially in Nevada
08/17/2023	No	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	SC 29732	Web
in XX/XX/XXXX Titlemax reposed my car and said it was because my payments had got of track back in mid XXXX so that meant that every payment i made was late. I sked her so you mean to tell me that you let me go almost XXXX being late. there is no way. but i wasn't getting anywhere and so i paid to get my car back after i was lied to about when and where i could get it i had to pay almost {$1200.00} to get it back and i do have a copy of the paperwork with everything written on it as far as notes, times, locations i was told and the dates. also it is the receipt that was printed from tittlemax. i asked her, XXXX the store XXXX, why the app where we pay wasn't working and she said it was because my car was repoed. i actually thought she was lying then because it was showing i had an account but that was it. i could not see the loan amount even and i told her so. there was XXXX other worker in the store and she was at a desk type are right beside XXXX and she was not busy and she watched me the whole time i was in there and she could here everything and she did not say a word either way. i was told i would not be able to get my car for a couple of days so i started calling around and found my car in XXXX nc. XXXX had told me it was going to XXXX sc an i needed to get in touch with someone in indiana fist and they would set an appointment for me to got get it in a couple of days. And i was upset and cussing. i told her they wanted my car and they are liars and the f 'd me over and i cant be the only person with problems. i told her i had saw where the company had been in trouble over the military loan stuff and the had been in trouble and sued and the man XXXX. she told me those were different circumstances and i didn't know what i was talking about. I told her she was a XXXX XXXX and and i will have my car bck by the end of business that day she smirked and said i seriously doubt it. and i left and i found my car and had it buy the end of the day. its was aprox XXXX and it was in XXXX nc in a private tow lot that was lock and there was no one there except XXXX older lady and she helped us get in touch with the tow truck driver that titlemax has contracted. i am a XXXX white female my husband is a XXXX XXXX XXXX male the tow truck driver came and we were sitting in an empty parking lot. he pulls in and he asked if were there for the XXXX i said nothing he told my husband its all the way in the back you can go get. he didnt ask for an id, our names no kind of proof as to who and why were there.i dint spk to him on the phone. the other lady did and all she said was he around because a lady needed to talk to him to see about getting a car. so therefore he had to have had more details about me and my personal life and my family and my husband walked back there got in the car and drove out stopped in parking lot and i got in. so then because of me paying XXXX the app was working in the end of XXXX and it said no payment due until the end of XXXX and it was less than half of a payment. so it was XXXX. i tried no luck and i kept trying for weeks and i kept telling XXXX im trying it isnt working, she told me you cant come in i said no ma'am i am at work before you open and i het off between XXXX pm. she was sarcastic and well we all got long hours. told me there was nothing sh could do. so i finally got it to work the next day and my payment went from 100something to 300 something and it was not time for the next payment and the app didn't show different amounts like that. so i called her back and she told me it wasnt being honored and she didn't see anywhere that ever said 100something. i told her i have the screenshots. she said bring them in and once again explained i have a new job and for XXXX months i cant request time off. so i did pay what the screenshot had said because for almost 2 months it was saying a 100 and some odd dollars. and i called another store and got corp number. called an casandras boss called me back and i told her everything and even told her i was told by XXXX she said well i will send by boss your info but i cant gurantee she will call you back. she asked me to send her the screenshots i told her ok and then i said i will do it as soon as we hang up and i did and my phone said sent and delivered after the texts. cassandras boss didnt say anything back so i figured everything was good. well when i went to pay the next payment a couple of days later it didnt work again so i called her< the upper boss, and she the said oh you said you were going to send me the screen shots and you didn't and i told her yes mam i did and she wanted to argue me down telling me i dint send and i told her i can forward the ones i sent and when i told her they would be a fwrd to show time and dateshe said ok and i did just that. and she tryied to tell me she didnt get them and i told her again about the frwrd and the time/date issue. and she said oh oh i just got them. let me look into this and ill get bck with you. i didnt hear anythin and i said well she must be working on it and less than a week after the next payment was due, it was day XXXX at XXXX XXXX i went to go out and get in the car and go to work and my car was gone. i called the big boss back and her whole story changed i we went around and around and she told me i missed XXXX payment and XXXX and i told her that wasnt true. and she said that the larger amount i was seeing was right. the app is always right. and i said well if it always right then my 100 and something dollar payment was right and she said no ma'am. and she said, this was a monday morning, that they would help me out this time i was going to have to pay XXXX and XXXX payment and the repo fees and i told here thats not right. and she would not budge so i told her fine ill pay it wednesday -- - in 2 days -- - she said ok. then wed came and i tried to call no luck the stores answering machine and and then i called corp bck and i was told no no no. mam this is the XXXX time we had to reposes your car. you have to pay the full loan of and the interest and repo fees. so i was supposed to pay roughly $ XXXX {$10000.00}. they couldn't give me a total if i wasn't paying all of that at once because it changes daily. i understand but you took my car wrongfully and every person i speak to the amount gets higher. i told her my jewlery and medicine and all my stuff was in the car and a couple days later i got a letter stating nothing was in my car and then the next day a letter saying they sold my car the XXXX value was almost XXXX and it was sold for a little over XXXX and the want me to pay the rest. no. i want my money for the loss of a work, meds, jewlery all the stuff that was in my trunk. i want the money back from the XXXX repo and i want my car back. oh it was sold i want a better car that they ( tittlemax ) pays for and i want them shut down and i want all employees in XXXX
01/11/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	CA 92591	Web
I feel that XXXX maliciously and intentionally provided me ( and all consumers ) misleading information with the goal of getting me ( and all consumer ) to enter into an Agreement based on fraudulent misrepresentation. My experience with XXXX leads me to believe their current business model is to entice consumers ( me ) into entering into a XXXX Agreement via misleading marketing material, deceptive sales pitches and failure to disclose/include pertinent terms, conditions and material facts in their agreement. In combination with these three ( 3 ) misleading and unethical business practices ( marketing, sales pitch, agreement ), I feel that the XXXX loan process/agreement fails to provide consumers ( me ) a complete foundation of information and puts significant risk onto the consumer ( me ) without proper disclosure. Specifically : - XXXX does not disclose to consumers ( me ) how their Vehicle Titles will be handled ( aka chain of custody ) while in XXXX 's possession ( or lack of their possession for that matter ) - XXXX does not disclose and misleads consumers ( me ) regarding the length of time Titles will be held in XXXX 's possession after the loan is paid in full. - XXXX provides as part of their sales pitch misleading marketing material to consumers ( me ) which states " XXXX will return your title immediately after you payback the full amount due on your loan ''. History : On XX/XX/XXXX, I entered the XXXX store located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX to inquire about a title loan. Through what I consider to be deceptive business practices mentioned above, I was offered a title loan of {$10000.00} ; however, I only needed {$1000.00}. The store employee ( XXXX XXXX ) stated the minimum loan amount needed to be {$2500.00}. So, I decided to take out a {$3000.00} title loan instead. I also at this time disclosed to XXXX XXXX I would be back to pay off the loan within a week. On XX/XX/XXXX ( same day as loan origination ) Because I only wanted {$1000.00} and the interest rate being at an extremely high rate, I made a {$2000.00} payment on XX/XX/XXXX ( same day as loan origination ). Again, I disclosed to XXXX XXXX I would be back on Friday, XX/XX/XXXX to make the final payment. On XX/XX/XXXX ( 7 days later ), I made the final payment of {$1100.00} paying the loan in full. At this time, I received back the agreement showing paid in full but no vehicle title. Upon my request to XXXX XXXX ( Store Manager - XXXX, XXXX, CA ) the store did not have my vehicle title as it was apparently sent to the DMV in XXXX without my knowledge or approval. At this time, I requested the situation be escalated to the Regional Manager XXXX XXXX ( XXXX ). In my discussion with XXXX, she stated there was nothing that could be done and my vehicle title would be back at the XXXX in XXXX no later than XX/XX/XXXX. On XX/XX/XXXX, I contacted XXXX Customer Service ( XXXX ) to provide a formal complaint via XXXX 's formal complaint process and to also escalate my complaint to a higher level in the company to find a resolution. On XX/XX/XXXX, I contacted XXXX XXXX ( XXXX ) to get a status update on my vehicle title. XXXX informed me the title was still not available. On XX/XX/XXXX, I was contacted by XXXX XXXX ( XXXX Regional Director ). The purpose of this phone call was to discuss the circumstances which led to the problem and to find out when my title would be returned back to me. Topics in this discussion included how XXXX 's marketing material, sales pitch and agreement did not provided truthful and complete information and that I would have never entered into the agreement should I had the complete foundation of information and disclosure of the significant risk assigned to me under the agreement. On XX/XX/XXXX, I contacted XXXX XXXX ( XXXX ) to obtain status on my title. She stated she will check on it and get back to me. On XX/XX/XXXX, I contacted XXXX Customer Support to again request an escalation on my complaint. While on hold, the operator stated to me that he contacted XXXX XXXX ( XXXX Regional VP of Operations ) and stated he was trying to patch me through to XXXX XXXX but due to technical difficulties, the operator was unable to connect my call to XXXX XXXX. The operator stated XXXX XXXX and XXXX XXXX ( XXXX Regional Director ) would be calling me back within 5 min. On XX/XX/XXXX, I called back XXXX 45 minutes later to inform Customer Service I did not receive a call back and to confirm that my phone number was correct in their system. XXXX Customer Support confirmed my number as correct. On XX/XX/XXXX, I received a call back from XXXX XXXX who stated the title is still not available and believes it should be back in the XXXX XXXX store by Friday, XX/XX/XXXX. She then stated they have a buyer who would like to purchase my vehicle and if I was interested in selling my vehicle. My response to XXXX was absolutely not and I wanted my title back. I also stated to XXXX that I do not want XXXX to do anything for me other than giving me back my title. On XX/XX/XXXX, I call XXXX XXXX ( XXXX Regional Director ) and was able to speak with him. I addressed my concerns regarding the conversation I had with XXXX XXXX and that I was not interested in selling my vehicle and all I want is my title back. He stated he understands and that the option to sell my vehicle was an offer to help me out. Again, I reiterated all I want is my title back. I also stated to XXXX that XXXX informed me my title should be back at the XXXX XXXX store by XX/XX/XXXX and that I would personally be coming into the store to pick it up my vehicle title. I also stated to XXXX " at no time is XXXX to mail or send via courier service the tile to my address ''. Based on the above information and sequence of events, and in combination with the misleading business practices of XXXX ( via a blending of their sales pitch, marketing material, standard agreement ), it is apparent to me that XXXX has implemented a business model which is designed to mislead consumers ( me ) and hinder their ability to make an informed decision based on fraud and deception. XXXX 's business practice/model in my opinion is unethical and unfair to consumers ( me ) and purposely assigns risk and harm to the consumer ( me ) without their ( my ) knowledge. As a consumer, should I have known these risks upfront and what happens with my vehicle title while in the care of XXXX, I would not have NEVER agreed to the loan. In addition, I disclosed to XXXX XXXX on three ( 3 ) separate occasions all on XX/XX/XXXX ( loan origination date ) that I would have my loan paid off in 7 days. At no time was I told my vehicle title would not be available and returned back to me immediately as advertised in XXXX 's marketing material. Attached for your reference is a copy of the " paid in full '' agreement and receipts of payment.
04/01/2022	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	UT 84104	Web
I am drafting this letter to request your help to resolve a matter with the predatory practices of Title Max. On XX/XX/XXXX I went into Title XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX to acquire a loan of $ XXXX using the title on my XXXX XXXXXXXX XXXX I have used Title Max before, and this was going to be a short-term loan. I accessed the funds according to their instructions, utilizing their debit card process. In XXXX I went into their webpage to make my payments, I put them on XXXX XXXX because it was a debit card. It advertised those payments could be made and available funds reused. Thats how my debit card works at my bank. All transactions for the account can be done through the debit card. My XXXX payment was due on XX/XX/XXXX and I logged into the website and made a {$2000.00} payment. It took the process a few days to post the payment on XX/XX/XXXX and it posted to the account on the XXXX XXXX portion of their website. I attempted to make a larger payment of $ XXXX on XX/XX/XXXX and {$1500.00} on XX/XX/XXXX believing that the payments would work, just like the $ XXXX payment posted. Thats when my troubles began. After I was approved for the loan, I was handed an envelope of information about XXXX XXXX. It included a card, terms and conditions, and marketing pamphlet ( Exhibit 1 ). They referred to the card as a debit card. The store agent stated that I use the card for acquiring my funds and everything else needs to be done on the app. When I got home, went into Title Max website and logged in ( Exhibit 2 ). As you can see a XXXX XXXX and Title Max are on the same screen. My XXXX $ XXXX payment posted to the account and the balance due adjusted showing a certain portion of that payment was now available if I wanted to use it, just like a debit card. The $ XXXX payment that I paid on XX/XX/XXXX was returned on XX/XX/XXXX as XXXX XXXX XXXX XXXX REFUSED BY RECEIVER. I called the local office for help but the # was forwarded to the XXXX XXXX XXXX XXXX. After several days and multiple attempts, I went to the local office. She referred me to the # XXXX. That option again took several days to get through. I reviewed my contracts for Title Max and XXXX XXXX which do not distinguish who gets what thinking maybe I did something wrong. In the interim my {$1500.00} payment from XX/XX/XXXX was returned on XX/XX/XXXX but my original $ XXXX payment still showed posted on the webpage. On XX/XX/XXXX I was finally able to get a # XXXX customer service rep on the line, I explained what happened. The agent stated to try doing a $ XXXX payment again like I did the XXXX payment since that payment did post which I immediately tried. On XX/XX/XXXX it was returned. I called the XXXX # again and after finally getting an agent she stated to go to the local office, which I did. The office agent, XXXX I believe, kept stating how it was a debit card and we do everything through the debit card. I was so frustrated I asked for a manager. We spoke to a gentleman that identified himself as the District Manager. We explained what happened and sent to him a copy of our checking account showing our attempts to pay the bill ( Exhibit 3 ). He stated he would research the issue and get back to us. On XXXX he got back to us and stated it was our banks fault for pulling the payments back. I pointed out again that the tagline said the Receiver refused the payment. He stated lets post the money to the account and he would continue researching the problem. The XXXX XXXX transferred the funds from XXXX XXXX to the XXXX XXXX account and we gave him $ XXXX. We had originally tried paying {$8500.00} but he stated lets take care of the principal and then well work on the rest. We waited for his call. After XXXX weeks, we had not heard back so we attempted to contact the XXXX XXXX. He would not provide us a direct way to contact him. He stated it was against company policy. We had to call the local office and have them attempt to call him and transfer the call. That proved precarious since the XXXX XXXX office would forward its calls to the XXXX XXXX. We spoke off and on for 3 months with him always stating he was working on the problem. The last time I spoke to him it was XXXX and he still didnt have an answer at some point he was either fired or quit. In XXXX our car was repoed and we went back into the XXXX XXXX office. The new XXXX XXXX XXXX was at the office. The office rep, XXXX, was there and stated she had it repoed. We asked why she did that if she knew there was a dispute. She knew that the previous XXXX XXXX was gone and why didnt she just call and tell us. She didnt have a good answer. We started explaining the whole issue with XXXX. We gave him a copy of the transactions that showed the history. All I ever wanted was to pay but wanted the proper amount based on the date we had attempted to payoff the loan. I can not understand why its so hard except to just get more money. After another XXXX weeks I had to track down XXXX again because of the company policy that District Managers dont give out a direct phone number. He stated they would not accept our bank account proof and they have no way to confirm I tried to pay off the account. That they are two different companies, yet they are on the same Title Maxx website and the previous XXXX XXXX is the one who transferred the $ XXXX to the Title Maxx. He said we had to wait until it was charged-off and then speak to corporate. We were contacted by XXXX in the charge-off department and again explained what happened. He offered of the total amount but again I informed him of what happened. He finally asked well how much do you think you owe, so I asked my wife to do the calculation, see below. Pyt_Amt Balance Per Diem Days Int XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If everything had worked correctly, I should owe and was prepared to pay it that day. I told this to XXXX and he stated he needed to speak to his Manager. I was transferred and again told the same story. He stated he would have to speak to his Director. I didnt hear back from him, so I called XXXX again and he stated the account was referred back to the local District Manager. I have attempted to call him several times with no response. I believe they just keep jerking me around to force more and more money to the account because they have my title. I was a repeat customer. I needed a loan for a short term which my payment attempts show. I do not understand an organization where no on really understands their own website or app and their relationship with XXXX XXXX. I have concluded this scenario is about greed and believe I am not the only customer who has been jerked around with their misinformation.
05/25/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 759XX	Web	Servicemember
I was being contacted by Title Max in XXXX of XXXX via text message. I was enduring some hardship at the time and trying to repair my credit. I gave the company a call and they wanted to run my credit. I politely declined and told them that I didn't want to have my credit ran as it would drop my score that I was working towards repairing. Later on I received another call from Title Max with someone telling me I didn't need to give them my social or have my credit ran. I live over an hour away from the store and I was told that if I had the title with me I could bring it to them and they would give me {$10000.00}. We were greeted with crayons and coloring pages for my son and offered refreshments. Such a nice experience or so it seemed. I was told that if I didn't spend it that I could return it and back out in 30 days. Just give the {$10000.00} back and get my title back. When I advised that I would return it I was told that I would have to also pay {$1400.00} additional even though I didn't spend the {$10000.00}. I was very upset and didn't understand how I would be able to pay this off. How does anyone pay off such a short term loan when the APR is 169.29 %? I was talked into just paying the {$1400.00} XXXX. I was never told that it was {$1400.00} a month and nothing goes towards the {$10000.00} payment. Then I was told to come in XXXX and resign. No biggie they told me. They should have explained that it wasn't a yearly APR of 169.29 % over a year and that the {$1400.00} fee was actually monthly and not over a year span of time. They said they would work with me and that the holidays were right around the corner and I would need the money for my Son and for us to live off of since at the time I was considered a Homeless Veteran. We were traveling back and forth for medical care several hours away and living in Hotels while trying to get assistance and help turning a small building into a tiny home. The following payment that was due was very hard for me to make. Although I did. The third payment I was told they were going to repossess our car and that since I was not in Texas they could not take my payment. I was told that I could talk to my bank and see if they would buy the loan. The same bank where I make the payments to on the car. The bank advised me that it was not legal for them to give me the loan if I make payments on the vehicle and that I should reach out to JAG at the VA. I relayed this to TitleMax and the lady explained that it was definitely illegal for them to give me the loan and that she would reach out to her supervisor and then to their Legal Team. I was advised to wait for their Legal team to contact me. I kept getting texts and I called Titlemax each time and they told me to just keep waiting. I got a call I believe in XXXX with a lady yelling at me and telling me they were looking for my car and going to take it. She said they found out I was not on XXXX XXXX and I owe them the money. No where did I ever say I was on XXXX XXXX. I am a XXXX veteran. They know this because the guy initially wanted to see and make a copy of my award letter in order for me to get the loan. All calls ceased and I called the store many times and was told to wait for legal to call me as I was told before. In XXXX I got a call from a new supervisor at Title Max who asked that I explain everything to him. I did and he was going to be getting back in touch with me. He did not. In XX/XX/XXXX a lady from Title Max Collection Department called and I was asked what my intentions were and I stated that I did borrow the money and I intended to pay it back. Although I wasn't able to speak about the situation at the moment and she said fine, they are coming to get the car. I explained that we were having to live in our car at times and all of my valuable posessions and personal and private paperwork and documents were in there and that the car is specific to meet my XXXX needs. She told me they owned the car and they were coming to get it and that we couldn't live in it forever and as soon as we get out of it that they would come and get it. On XX/XX/XXXX the people came to repossess my car and I refused to let them take it. I literally begged them in complete fear and shame while my Son had to watch all of this and they had me call Title Max and and try and work a plan out with them. Title Max would not and the guys were advised to take my car. They asked that I please keep my word and figure out how to pay Title Max to prevent the loss of my car. Strangely, the gentleman were very nice and they made the decision to leave and Blessed us in our situation. I spoke to Title Max Corporate Resolution department on Friday XX/XX/XXXX and was given an option of paying {$4000.00} on Monday XXXX, XXXX, XXXX and then {$2000.00} on XX/XX/XXXX and then {$2000.00} on XX/XX/XXXX and then {$2000.00} on XX/XX/XXXX and I could have my title back. My Mother lent me the {$4000.00} to pat them on XX/XX/XXXX and on XX/XX/XXXX they wanted a payment of {$3000.00} and {$3000.00} XXXX and then {$2300.00} XXXX. This was not the agreement we had and I was very upset. The representative explained she did not tell me {$2000.00} that she told me {$3000.00}. When I explained to her that my calls are recorded she then stated that she must have made a mistake and that she was only human and she apologized. She would have her supervisor call me. Later in the day on XX/XX/XXXX after I made the arranged {$2000.00} payment the supervisor called me and said this was a mistake and they will take increments of {$2000.00} and they will just have me pay another {$2000.00} in XXXX. She said they can make deals but not like that even though the original TM store got over {$3000.00} from me, she stated that it was not towards the loan. Only a promise to pay to the store and that I owed {$12000.00} when the loan went to them at collections and that's what they intended to collect from me. She disregarded the recorded conversation by saying that there was never a deal made and I stated ( which there was ) and had no sympathy or care in the world about anything except collecting my money and my car. Fear is what they have instilled in my son and I. Crayons and refreshments in the beginning and tow trucks and tears in the end! I can't pay my bills as a result of this mess. I am a XXXX XXXX XXXXXXXX Veteran with XXXX XXXX and XXXX and I can't believe I was suckered into taking that loan in a time of desperation. I never gave them my social security number but now when they speak to me they insist I give it to them. What a bad company to so greedily take the money of people that have worked so hard to try and get ahead in life just to offer so kindly and then try and take their transportation away from them.
07/11/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	GA 312XX	Web
I am writing to further emphasize the complaint I lodged against Title Max for their violations of the specific provisions outlined in 15 USC 1666 - Correction of Billing Errors Sections A, B, C, D, and E. In addition to the violations previously mentioned, I want to bring to your attention that Title Max is attempting to collect funds related to the billing error and has placed my vehicle in repossession status based on my refusal to pay disputed funds. Below, I have included each section of 15 USC 1666 that Title Max has violated : Section A - Prompt Notification of Billing Errors : Title Max failed to promptly notify me of ststus billing errors identified in my account. Section A states, " If a creditor receives a billing error notice ... the creditor shall acknowledge receipt of the notice in writing within 30 days of receiving it unless the action required is taken within that period ; and conduct a reasonable investigation of the alleged billing error. '' Section B - Investigation and Resolution of Billing Errors : Title Max neglected to conduct a thorough investigation into the billing errors I reported. Section B states, " After receiving a billing error notice ... a creditor shall ... make appropriate corrections in the account of the consumer or send a written explanation or clarification to the consumer... provide the consumer with a written explanation of the results of the investigation and, if the investigation reveals that an error occurred, make the appropriate corrections to the consumer 's account. '' Section C - Crediting of Payments and Resolution of Disputes : Title Max has attempted to collect funds related to the billing error and has placed my vehicle in repossession status based on my refusal to pay disputed funds. Section C states, " If a consumer, in good faith, complies with the requirements imposed on a consumer... the creditor may not take any action ... to collect the amount in dispute ... during the pendency of the investigation and one subsequent billing cycle ... and shall not impose any charge on the consumer... with respect to the amount. '' Section D - Protection of Consumer 's Account : Title Max has initiated repossession proceedings against my vehicle despite the ongoing billing errors and my objection to paying those amounts. Section D states, " If a creditor has reason to believe that a transaction has been or may be affected by unauthorized use of a credit card ... the creditor may not take any action ... and shall not impose any charge on the consumer... except that if the cardholder furnishes the creditor with evidence of theft, loss, or unauthorized use of the credit card, the liability of the cardholder shall not exceed {$0.00}. '' Section E - Enforcement and Remedies : Title Max 's actions violate the enforcement and remedies provided under Section E. Section E states, " Any creditor who fails to comply with any requirement ... FORFIETS THE RIGHT TO COLLECT FROM THE OBLIGITOR and shall be liable to the cardholder in an amount equal to the sum of any actual damage sustained by the cardholder as a result of the failure and, in the case of any successful action to enforce the foregoing liability, the costs of the action together with reasonable attorney fees as determined by the court. '' I kindly request that the Consumer Financial Protection Bureau includes this additional violation in your investigation and takes appropriate action to ensure that Title Max ceases all collection efforts related to the disputed funds and immediately halts the repossession proceedings against my vehicle. Moreover, I urge the Bureau to enforce the necessary remedies and sanctions to hold Title Max accountable for their wrongful actions. Enclosed with this letter, you will find additional documentation, including correspondence, statements, and any relevant evidence, which supports my claim that Title Max is attempting to collect funds despite the ongoing dispute and has initiated repossession proceedings against my vehicle. These documents serve as further evidence of Title Max 's persistent violations of 15 USC 1666 and their disregard for consumer rights. I want to bring to your attention that Title Max has blocked my access to my online account, leading to further consequences for their violation of consumer rights. Title Max 's decision to block my access to my online account is a direct violation of Section B of 15 USC 1666, which requires the creditor to make appropriate corrections to the consumer 's account and provide a written explanation or clarification of the billing errors. By impeding my access, Title Max has prevented me from monitoring and managing my account, hindering my ability to address the disputed billing errors and seek appropriate resolutions. In light of Title Max 's violation, it is essential to note that they can not recover or take any adverse actions against me based on this violation. According to Section E of 15 USC 1666, any creditor who fails to comply with the requirements of the statute is liable to the consumer for any actual damages sustained as a result of the violation. Therefore, any attempts by Title Max to enforce collection efforts, impose charges, or pursue repossession based on the disputed funds would be invalid and further violations of the law. I kindly request that the Consumer Financial Protection Bureau includes this information in your investigation and takes appropriate action to ensure that Title Max refrains from any adverse actions against me based on the blocked access to my online account. Additionally, I urge the Bureau to enforce the necessary remedies and sanctions to hold Title Max accountable for their violations and to prevent any further adverse consequences on my account. I appreciate your attention to this matter and your efforts to protect consumers from the unfair practices of financial institutions. I trust that the Consumer Financial Protection Bureau will thoroughly investigate Title Max 's actions, ensuring that they are held accountable for their violations and that appropriate remedies are provided to rectify the situation. Thank you for your continued support, and I eagerly await a swift resolution and the restoration of my consumer rights in this matter.
03/30/2022	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	TX XXXXX	Web
This is the 2nd time I have to do this. TITLEMAX DID NOT show me anything. I did NOT agree to online disclosures, I NEVER SAW ANYTHING. I ASKED FOR THE INTEREST BREAK DOWN, I ASKED FOR WHAT I WAS SIGNING AND I WAS TOLD BY THE GIRL WHO DID THE APPLICATION, IT WAS JUST an application. I did NOT sign a contract. I asked for the paperwork, I WAS TOLD 3 DAYS AFTER I could open an online account then see it there. I did NOT agree to see anything signed AFTER I signed it. Who does that! I asked them SEVERAL times what the TOTAL interest was and I was told a TOTAL of {$940.00} and I asked them several times what I was signing they said just an application. The screen was facing the girl doing it and I NEVER SAW ANYTHING THOUGH I ASKED. TITLEMAX IS NOW LYING AS THEIR USUAL to get out of doing predatory lending, luring, multiple violations of the finance code THEY HAVE ALREADY BEEN SUED OVER AND FINED OVER {$9.00} MILLION DOLLARS FOR!! They NEVER gave me anything to read or see WHEN I ASKED THEM. I only signed an application the girl told me was what she filled out FOR ME. I never saw a thing though I asked. The MOMENT I asked what the TOTAL interest was BY LAW, THEY ARE TO SHOW ME the break down AND THE CONTRACT they say I signed that I did not. I never saw a thing. I asked for it SEVERAL TIMES and was told CREATE AN ONLINE ACCOUNT AND SEE IT THERE. THAT IS A VIOLATION OF LAWS!! They lie and say I signed electronic disclosures, I NEVER DID THAT. I NEVER SAW ANYTHING. I NEVER SIGNED A CONTRACT AND I NEVER AGREED to monthly payments, I NEVER agreed to more than {$940.00} TOTAL interest. I tried to pay back what was owed which was ONLY {$7800.00} and I was told it was not that amount but more in interest!! I DID NOT sign any contract with a third party, I was NOT TOLD there was a third party, I was NOT SHOWN anything. Not one thing. I WAS LURED by deception and lies they VERY WELL KNEW they were telling me when I aske multple times what the TOTAL interest was. Not at any point was anything told to me, not at any point was any form of explaination given. I was told to look online after creating an acocunt which was not done for several days because I could not create one! I called and they said to try again, then when I did get online there were NO DOCUMENTS. After another several days I finally saw what they said I signed I DID NOT SIGN NOR DID I AGREE TO. And then I IMMEDIATLEY called them because I was going to pay off the {$7800.00} that was what I was told I owed and it was an extra {$1300.00} of interest on it! TITLEMAX LIED to the OCCC and to CFPB that I agreed to electronic consents. I never did, I NEVER SAW ANYTHING I SIGNED. I WAS TOLD IT WAS JUST AN APPLICATION. I never got multple loans as they lie I did. I was told by the store employees I was ALREADY APPROVED for {$12000.00} and if I took more it was already approved AND IT WAS ONLY ANOTHER {$12.00} ON THE TOTAL INTEREST I ASKED ABOUT. THEY LURED ME BYU LYING TO ME WHEN I WAS TO PAY OFF THE {$4000.00} I TOOK. THEY SAID YOU ARE ALREADY APPROVED FOR {$12000.00} so you can take more and its ONLY another {$12.00}. NOT ONE TIME did I re-apply nor was I told to, NOT ONE TIME was I shown the real interest and NOT ONE TIME was I given anything about what was signed. I ASKED them why I was giving the girl my info over again when I was already approved. I WAS TOLD ITS JUST AN APPLICATION. THEY KNEW WELL WHAT I MEANT. They did not tell me I was signing a contract, or I would NOT HAVE without reading it first and THEY DID NOT show me any interest when I asked SEVERAL TIMES, They did NOT tell me I accepted electronic documents when I ASKED THEM FOR THE COPIES. They copie and pasted my signature on documents I did NOT SIGN NOR AGREE TO NOR SEE WHEN I ASKED. They are lying as they have the track record of doing. They have and are being sued by multiple others on this EXACT THING. IT IS A VIOLATION OF FINANCE CODES - CFPB fined TITLEMAX {$9.00} MILLION dollars in TN, ALABAMA, GA for abusive practices in XXXX FOR THE EXACT SAME THING they are doing in Texas! THEY ARE in violation and I DID NOT agree to electronic sigantures nor did I SIGN A CONTRACT. I signed an application I NEVER SAW THAT EITHER. NOTHING was given to me when I asked and by LAW THEY HAVE to show me the TRUE interest and fees when asked and they did not. BY LAW, they MUST show the consumer the contract BEFORE they sign anything and BY LAW they must give the non disclosure or electronic or whatever to the person WHEN THEY ASK FOR IT. TITLEMAX has commited multiple violations and are doing so daily. If they were not violating the law then why were they fined $ XXXX FOR THE SAME THING in XXXX, why are there multiple lawsuites against them THEY LOST AND ARE LOSING if they are not lying and abusing people with their deceptive practices, luring, flat out deception. Now they LIE which is fraud and de-famation. They have a track record of this same stuff and not ONE thing have they changed in my case! I NEVER SAW ANYTHING, I ASKED FOR IT, I NEVER SIGNED A CONTRACT, I NEVER AGREED NOR WAS I WILLING TO AGREE TO signing a contract I NEVER SAW, NOR IS MY SIGNTURE ON A CONTRACT THAT THEY DID NOT COPY AND PAST IT ON. THAT IS FORGERY. I did NOT get an interest break down WHEN I ASKED MULTPLE TIMES. I tried pay what is truly owed and was denied and was told I would be renewing the loan WHEN I AM NOT NOR DID I RENEW ANYTHING! TITLE MAX IS VIOLATING MULTIPLE LAWS AND CODES and I expect it addressed here in my case and in TEXAS JUST like it was in TN, AL, GA in XXXX. IT IS THE EXACT SAME THING. TITLE MAX COPIED AND PASTED my signature on any other documents other than an application. I never saw anything when I ASKED FOR IT, I was NOT told I was agreeing to electronic anything. I had ASKED FOR THE PAPER WORK and I was told by the store employess its all online you have to create an account. I was NOT given the true interest rate BEFORE I took anything as I ASKED FOR. I was lied to and lured.
03/01/2022	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX XXXXX	Web
I took out a {$3000.00} title loan on XX/XX/2020, the SAME DAY I added another {$1000.00} because I was short on what I needed after paying my title transfer, the car is new and adding them as a lien. So I asked them what the interest was and they said a total of {$640.00} so I said thats really but I have to so thats fine. I went to repay it right at the 30 day mark but had another issue I need to pay for so I said I would pay late and be in a few days. They said I could JUST PAY THE INTEREST on it and it would be ok. I was NEVER told I was paying a monthly fee or renewing the loan. They then said I could take more money out and use that to pay the interest. I said I would do {$1000.00} and that is it so it could be repaid in a few days. The girl then wrote on a blue sticky note that If I took out {$3500.00} instead of {$1000.00} the interest would only go up {$12.00} so I asked them what is the TOTAL interest, they said {$940.00} and I then asked does that include the {$640.00} XXXX paid already in interest they said yes. I asked AGAIN what the total was she said {$940.00}. They did NOT show me any interest charts, they did NOT show me the contract at all. Not in the begging or this time. So I agreed because I figured to have the other {$3500.00} was ok and I was repaying it in a few days so no big deal. They then asked for my ssn and bday, the girl was typing on her screen and I saw NOTHING. I asked why they asked for that again when I was just adding to the existing loan. She said its just the application and it has to be redone. I figured ok its an appllication I am signing without seeing it NOT A CONTRACT!! I was not told I signed a contract, had they said that I would have not signed a thing until I read it. I was not given a contract or the interest break down sheet, NOTHING. I asked again what the total was and she said {$940.00} and I said so the {$640.00} is included she said yes. I never got to see the contract before signing it. I asked for the contract at the start and I was told to make an online account and I can see it there. She did not show me anything BEFORE I signed anything. I then set up the account and I called her and asked why there was an extra {$840.00} on it and if that was a mistake they didn't credit the {$640.00}. She then said oh thats per month!! I said no you never said that, had you of and had you shown me the contract I would NOT have borrowed at all. She said oh well maybe I got confused. I said no you did not. I asked you several times what the TOTAL interest was and you said {$940.00} so I just believed her. I then said I would not pay the extra interest as that is not what was told to me and I was never shown what it REALLY was. I said I did not agree to monthly payments it was a short loan for a few days. All I did was extend it a few days and add the {$3500.00} you originally told me I was ALREADY approved for so why would I pay extra on an existing loan. She then said she was sorry I got confused! I said I was not confused you told me an amount, you did NOT show me the contract or the interest break down. All you did was write on a blue sticky the TOTAL amount which you said was {$12.00} more for the {$3500.00} instead of {$1000.00}. She said sorry its monthly. I did NOT agree to that. So I went online to pay it and it had another several hundred dollars on it! I tried to just pay principle as she said you can jsut make a payment or pay it off online. When I went to do that it said on the payment screen that I would be making the payment AND renewing the loan again! I called again and said I am not renewing anything I just want to pay the amount I borrowed and when you fix the interest and deduct the {$640.00} I already paid then I will pay that. The customer service person and chat person said they cant do that! So now it has me owing another {$1300.00} in interest I never agreed to and I cant just pay off what I should have owed of {$7500.00} and the extra {$300.00} in interest she lured and deceived me to think it was. I also could not access the contract for over a week online and they dont give it in the store though I asked for it! Had they told told the truth the interest was monthly I would not have done that. Had they showed me the contract BEFORE I signed it instead of them doing it behind their desk and then scrolling to the signature page to sign IA would not have ever borrowed anything! I told them BEFORE I signed I did not want to pay alot in interest and not at anytime did they say its monthly, or that I couldnt pay online without renewing it every time. NEVER WAS I TOLD A THING about it and was not given any break downs or contracts. They lied to me, deceived me, lured me into taking more money by deception on the interest and did not show me the contract or interest BEFORE it was ever signed! They are also charging monthly interest and late fees when I tried paying it but couldn't because of their lies! They did it on purpose, they KNEW I did not agree to more than a total of {$940.00}, they KNEW what I was asking them and purposely caused me harm and financial duress because of their deceptive, predatory lending practices. I never signed a contract. One was NEVER given to me and when I looked online it has no signature from me on it a contract. I never agreed to that contract and was never given the chance to look at it. I was told it was just an application when I asked several times. So I am not going to be bound to that contract and I also NEVER would have agreed to waive my rights to sue din any way. This contract is written to take advantage of people and its entrapment on top of fraud, preditory lending, deceptive practices that lure people to borrow more than they said they needed and deceptive practices in how they obtain customer signatures with zero review of the contract or application they lie it is.
10/22/2017	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	FL 322XX	Web	Servicemember
I obtained a Title Loan from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AL XXXX, on or about XXXX XXXX. Due to the age of the Loan, I do not remember the exact date. I will describe what happened : I obtained the Title Loan on a XXXX XXXX XXXX XXXX in or around XXXX XXXX. I paid the Loan off and was given my spare key back, payoff receipt and DID NOT receive the original Title back due to the fact that the Customer Service Agent told me they did not keep them onsite and that the original Title would be mailed to me and that the Lien would be release electronically from my Title with the Alabama DMV. I never obtained another Title Loan again, nor did I ever receive the Original Title. As time passed, I unfortunately did not follow up on obtaining the Title. In XXXX, I sent a Request for a Duplicate Title to the Alabama DMV and they returned my application stating that XXXX XXXX XXXX had a lien on the vehicle. I called the local branch that I obtained the Title Loan from and they stated that they changed computer systems, but that the records indicated I never paid the final payment. Outraged that I had not kept all documents pertaining to the loan since it was so old, and that I could not provide them with proof, I called the Corporate Office, XXXX XXXX in XXXX, GA. I requested all documents pertaining to my loan, all payments and debits and any other legal documents. I also explained that I lived and worked at the same place and that if I had missed a payment or not paid it off, they would have made attempts to repo my vehicle. I recently moved and never received the documents I requested. I am currently an XXXX XXXX XXXX for a XXXX XXXX in XXXX, Florida. I live on the property and parked my vehicle on the Company property in front of the building. On XXXX XXXX, XXXX at XXXX, a tow truck and a car repossessed my XXXX XXXX XXXX XXXX. We have several cameras on the property and captured it on video. My fiance and I were actually looking outside and saw them speeding off with my vehicle in tow. I immediately called the XXXX, FL police department and reported my vehicle stolen. The police officers came and we reviewed the videos. They asked me if I had a lien on the vehicle and explained that I did have a lien, however it was four ( 4 ) years ago and paid in full, AND was in XXXX, AL. I never received any correspondence from them in those years pertaining to my vehicle or a balance owed. The Police Officers waited for the Company to call and explained to me who took possession of my car and why. At this point, I immediately called the company that towed my vehicle, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX and they provided me with the company the company that authorized them to repossess the car for them. That company is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. They received an Order from XXXX, XXXX XXXX XXXX, XXXX, GA XXXX who is the parent Company of XXXX in XXXX, where I originally obtained, and paid off the Title Loan. Since XXXX XXXX, XXXX, I have contacted XXXX XXXX XXXX XXXX XXXX of XXXX, and the Corporate Office of XXXX XXXX in XXXX. After speaking with the agents who took my vehicle, I spoke with XXXX, the Manager of XXXX XXXX XXXX, AL. She was n't very helpful and forwarded my situation to the District Manager. While waiting for her to call, I contacted the Corporate Office and they immediately contacted the Regional Manager, XXXX who called me. She was basically just reading info to me, with my " Unpaid Balance Amount '', which changed three ( 3 ) times the first day. And, she could not tell me the origination of the balance or explain any of the obvious mistakes made by the company during the four ( 4 ) years since I paid off the Title Loan. She had XXXX call me, the District Manager and XXXX admitted that there were several discrepancies and issues with the entire transaction, so she called Corporate. She was advised that she could give me a settlement amount. I immediately refused a settlement as the vehicle was paid in full. The Corporate Office of XXXX XXXX Legal Department called me, they had no knowledge of any requests for documents that I had made, they had no knowledge of the circumstances relating to my case, they only called to give me a " Settlement '' amount. Since I was referred to the " Legal Department '', all communication with anyone from the company was ceased and they were not allowed to speak with me. I have gone in circles for almost a month, trying to obtain copies of all documents, etc. No one will respond. I have attempted to retain an attorney, without any success. The Attorneys in Florida do n't want to take the case because the Loan originated in Alabama. The Attorneys in Alabama do n't want the case because I reside and the vehicle was repossessed in the state of Florida. I have spoken with advocates, private practices, state legal aid, etc. Nothing! To sum this up, my vehicle was stolen from my place of business. The fact that I paid the Title Loan in full, I received my spare key, I was given the information about the Titles being kept offsite, and the information about the electronic lien being removed from my vehicle ... XXXX I do not know what else I can do. I have been without a vehicle for almost a month now, it has jeopardized my job since it was repossessed from the front of our XXXX, I can not stress enough the amount of hardship this has caused me. It has been four ( 4 ) years and I do not have the documents any longer, however, all parties involved are refusing to speak with me or provide me with any information. I am begging you for any help or advice. I believe many laws have been broken and have succumb to the fact that my vehicle is gone, and I will have to persue this not only in the attempt to regain ownership of my car, but the hardship it has caused. Thank you so very much in advance!
06/08/2023	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	MO 64138	Web
To whom it may concern. I find the complainant to be incorrect in their response, and am requesting a re-investigation, based on the following statements made by TMX. First, TMX stated the following, According to TitleMax records, XXXX XXXX entered a twenty-four ( 24 ) month Consumer Installment Loan Agreement, Promissory Note And Security Agreement ( the " Agreement '' ) with TitleMax on XX/XX/XXXX, in the original principal amount of {$1000.00} ( the " Loan '' ) and pledged her XXXX XXXX XXXX ( the " Vehicle '' ) as collateral. Pursuant to the terms of the Agreement, XXXX XXXX was required to make twenty-three ( 23 ) monthly installment payments of {$170.00} beginning on XX/XX/XXXX ( " Loan '' ), and one ( 1 ) final payment of {$170.00} on XX/XX/XXXX, to satisfy and discharge her obligations under the Agreement. XXXX XXXX exercised her right according to the Agreement, refinanced the Loan on seven ( 7 ) occasions, and added additional funds bringing the principal balance to {$3900.00} according to the Agreement signed on XX/XX/XXXX, by XXXX XXXX. This statement is hearsay and not valid as it provides no supporting documentation that validates this statement, and I am requesting they submit me with ALL the supporting documentation that validates this request. This is a predatory loan that is operating under Consumer Installment loans when in actuality it is a title loan and based on MO Title Loan Law and correspondence, I had with Missouri Attorney XXXX XXXX XXXX in regards to these types of predatory loans, Based on Missouri Rev 408.510 which and my contract which is attached this is a title loan registered as Missouri statue, XXXX. Licensure of consumer installment lenders -interest and fees allowed. -Notwithstanding any other law to the contrary, the phrase " consumer installment loans '' means secured or unsecured loans of any amount and payable in not less than four substantially equal installments over a period of not less than one hundred twenty days. The phrase " consumer installment lender '' means a person licensed to make consumer installment loans. A consumer installment lender shall be licensed in the same manner and upon the same terms as a lender making consumer credit loans. Such consumer installment lenders shall contract for and receive interest and fees in accordance with sections 408.100, 408.140, and 408.170. Consumer installment lenders shall be subject to the provisions of sections 408.551 to 408.562. Furthermore, I am requesting a rei-investigation as TMX stated, The Company 's policy indicates that military borrowers, spouses, and dependents ( " covered borrowers '' ) are not eligible for a loan. An automated or manual check of the MLA or SCRA website is required by the Company before any credit application can be completed and before any request to refinance an existing loan/pawn may be processed. Onboarding identifies covered borrowers through an automatic ping to the Department of Defense 's MLA database. Based off of this statement I am requesting the proof to this claim I would like to see the supporting documentation where they ping the Department of Defenses MLA database, as to where they did NOT find my information as I indicated. I submitted several pieces of documentation that verified my claim including and not limited to the things I discussed and proved to be true such as this being a predatory loan, loan churning, and not maintaining accurate records. Finally TMX stated, TitleMax agrees to stop the interest on XXXX XXXX account as of XX/XX/XXXX. Given the above investigation. They further explain they have done no wrongdoing, and yet claim they will stop the interest on the loan I find this comment to be an admission of guilt that this is a predatory loan because why else make such a libel statement if no wrongdoing was effective. In conclusion I am requesting the information outlined be provided to me as proof that the statements are correct, TMX has provided no supporting documentation re : these claims and I find the information to be hearsay as it has not been validated as truth. I am still requesting a Invoice that is Paid In Full and the return of my title, they list the Principal balance only at {$3900.00} when the total if {$3900.00} cant be paid is A little more than {$13000.00} and in total I borrowed {$3600.00} and TMX has received a little over {$5000.00} for the Amount borrowed and based on MO law for title loans this loan is deemed Paid In full. They have not provided the contract where it shows I said No ' to my MLA status my documentation shows no questions in relation to MLA status and my response being NO, I want proof of this also, and have attached my supporting documentation once again for reference. In closing I am requesting my title back and paid in full invoice for this loan is illegal and has already been Paid in full TMX is indicating in addition to already paying {$5000.00} or more that a principal balance of {$3900.00} is still due, which would be roughly {$8000.00} being paid for a vehicle not even valued at this amount, they are a scam and rip off, and I am currently working with my Mayor XXXX XXXX and Attorney General, XXXX XXXX to initiate legislation based on my experience with predatory lenders such as TMX, this entire response is hearsay of predatory lender because I have not seen any supporting documentation that makes their claims valid/true. I am again requesting that my title be returned to me and a Invoice that shows paid in full. Cordially, XXXX XXXX I have attached my previous request and TMX response to be thoroughly reviewed and MO state laws re : title loans and installment loans, as TMX is abusing consumer installment loan which they are licensed under and abiding by those rules when these loans are title loans and they are not following the the law.
01/06/2020	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AZ 85016	Web
On XX/XX/19 TitleMax contacted my employer to verify I was at the facility. The caller then began to tell my supervisor if that if I was at work to please not notify me that they did not call because that they were trying to reposes a vehicle. The conversation was took place on a recoded line. On that same date ( XX/XX/19 ) the payment was made But upon payment and reviving the receipt the late fees and interest were whited out after further review all my receipts had any and all late fees or interest accrued every single receipt was whited out. I was never told I accumulated these fees or interest. On XX/XX/19 I contacted the office to inform them that I would be making my payment being that I was 2 1/2 weeks late. After speaking with XXXX XXXX there was no reasoning or resolve. He refused payment because I had defaulted on a separate account. I offered numerous times to surrender the other vehicle ( XXXX XXXX XXXX ) I had defaulted on but was told that it was easier to reposes the vehicle ( XXXX XXXX XXXX ) I was trying to make a payment on and auction to pay off both loans. One vehicle ( XXXX XXXX ) was being held hostage in order to push payment on the other ( XXXX XXXX ) both on separate contracts on separate dates. XXXX then began to tell me that this was legal and they had every rite to refuse payment so they could reposes the vehicle ( XXXX XXXX ) of higher value to pay off both loans. On XX/XX/19 a repossession truck showed up at a reference address that wasnt even listed on my application after further review it was found that title max revealed the names of my references along with any information to the asset recovery agency to aid in the third party search of any information on my listed references such as addresss and relatives addresss this along with contacting my employer and revealing my personal information clearly showed they are in violation of the fair debt collections act which they have been sued for before. Upon making contact with the asset recovery agent he began to inform my brother in-law that he needed to speak with myself. After informing him that I didnt live there and how was it that he acquired his address he informed my brother in-law that he was there to reposes the XXXX XXXX after a heated argument over how he had no right to visit his address the agent drew a fire arm. The police were called but no company name or licenses number were visible. Both police report as well as home surveillance footage with audio are available as well as recorded phone calls of Mr XXXX refusing payment and contacting my employer as well as references. On XX/XX/19 I was contacted by corporate office regarding the XXXX XXXX. I began to explain that Im willing to surrender the XXXX and have no problems doing so I began to explain that all I want to do is take care of the XXXX XXXX being that its not my vehicle and that up until now have made every payment with with interest and whatever late fees accumulated that were noted thus paying off more then what was borrowed originally. She began to explain that she had no idea what was going on and that we should be able to make the payment with no problem. On XX/XX/19 we attempted to make a payment and again Mr XXXX again refused. On XX/XX/19 I was contacted again by corporate office regarding the XXXX I began to explain that I can provide the address to where the XXXX was located and that it could be picked up at any time she then said that I would be fined a repossession fee which I told her was fine all I wanted to do was make a payment on the XXXX. She then said she would contact the office to straighten things out because she had no knowledge of payment being refused and that we should of been able to make the payment regardless its 2 separate contracts. On XX/XX/19 I contacted the office regarding the payment Mr XXXX told me he had no knowledge that I could continue making the payment regardless of the other defaulted account. After getting the run around and being treated as if I robbed them Mr XXXX then told me with a smile on his face that I have accumulated interest and the payment was now nearly {$1700.00} ( original payment a mont was {$500.00} ) Because one vehicle was held hostage I accumulated interest because of title max refusing to take payment in order to purposely default the other vehicle of higher value in order to reposes and auction off to pay off both loans regardless of me trying to make the payments. As of now I do have legal aid and I am currently waiting on a notarized statement from thee employee who approved my loan who also is no longer employed with title max. He/she has informed me that I was approved for a loan that I wasnt even qualified to financially pay off no matter what. He also informed me that contracts arent readily physically available on paper only online and only once you have signed are you able to log in and view your contract. He began to inform me that once the title max I went in on the title loan thinking this would help me out and get me a ahed but I am now realizing that a single mother of XXXX who makes minimum wage working less then XXXX hours a week should have never been approved for either loan. Title max took my income and other loan in to no consideration and approved me for a loan that I would never be able to pay off and causing me to lose Both vehicles in. I was asked what I could afford a month and thats what I was set regardless of what my proof of income showed. The former employee informed me that this is their tactic into reeling in unsuspecting consumers. As of now we are preparing for a lawsuit depending on the outcome of this complaint. All of thee above listed in thee complaint title max has been taken to court several times and will have many more to come. Thank you Amy help is appreciated.
05/09/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	VA 22182	Web
I took a car title loan out in XX/XX/XXXX at XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. On XX/XX/XXXX, I sent XXXX a cashier 's check for the full amount owed on the loan and the check was received by XXXX on XX/XX/XXXX. When I spoke to XXXX XXXX at XXXX a couple of days before I sent the check, XXXX informed me that once the check was received, he would overnight my car title to me the next day. When I called XXXX on Wednesday XX/XX/XXXX to inquire about the tracking number of the package containing my title, XXXX informed me that there had been some sort of issue with the title with the DMV and that it would not be available until XX/XX/XXXX. XXXX acknowledged that the issue with the title was due to an error on the part of XXXX and he accepted full responsibility for the error. I informed XXXX that waiting another week and a half for my title was unacceptable. I had paid TitleMax the full amount owed, I expected to be handed by title immediately. XXXX informed me that he would go down to the DMV the next day ( Thursday XX/XX/XXXX ) to get the title ( which goes against the previous explanation he gave that he wouldn't be able to get it until the XXXX ) and that he would overnight it to me and a check for {$50.00} for the inconvenience. On Thursday XX/XX/XXXX, XXXX called me and gave some sort of non-sensible explanation as to why he couldn't get the title and that he hoped to have it by Tuesday XX/XX/XXXX. I told XXXX that this was unacceptable. I spoke with XXXX XXXX on XX/XX/XXXX to get an update on the situation. He said that he was still expecting the title to come in by tomorrow. I spoke with his District Supervisor, XXXX XXXX and she informed me that she had spoken to XXXX on Friday and that he was expecting the title to arrive last Friday, but told me that it would come in on Monday or Tuesday to build in some lead time in case it didn't come in on Friday. XXXX also said that the DMV mailed out the title on XX/XX/XXXX. I have been getting bad vibes about the whole situation from the very beginning. It didn't make any sense that if the DMV had in fact mailed out the title on XX/XX/XXXX that it had not shown up by now. With this in mind, I called up the DMV to see if they could provide any insights. The following bullet points are the highlights of that call : 1. ) The original title was not surrendered to the XXXX County Tax Office until XX/XX/XXXX ; on XX/XX/XXXX, there was a title correction issued with the XXXX County Tax Office. 2. ) As of XX/XX/XXXX, no title has been re-issued ; the DMV does not expect the title to be issued until the end of this week, per the 7-10 day guidelines in issuing a title. 3. ) Once the new title has been issued, it will take 5-10 business days to reach XXXX ; DMV estimates that I will not receive title until early XXXX. 4. ) XXXX has apparently sent me the release of lien letters to my address in Virginia ; DMV has informed me that these release of lien letters are essentially worthless, since a ) there hasn't been a new title even issued yet and b ) I can't do anything with them until I receive the title from TitleMax ( which could be weeks ). Upon talking with the DMV representative, I called XXXX at XXXX again on the afternoon of XX/XX/XXXX and asked him to repeat his version of events as to what the status of the title was. Again, he informed me that the DMV mailed out the title and that he should be receiving it by tomorrow. I informed XXXX of the information that the DMV presented me with that directly contradicted everything that he had been telling me. He seemed shocked and said that he would contact the DMV and reach back out to me. I received a call from XXXX later on and he confirmed that the statement of facts that I presented him earlier were correct and that his were wrong and that he " had gotten some bad information from the DMV originally. '' I had not heard from XXXX or the District XXXX, XXXX, yesterday XX/XX/XXXX even thought I had been granted assurances by the TitleMax corporate office that I would hear from them. Having not heard from them by XXXX XXXX yesterday, XX/XX/XXXX, I called the XXXX corporate office again to ask to speak with the Regional Manager, XXXX XXXX XXXX. The representative informed me that " the Regional Manager and District Manager will not be speaking with you until cleared by our legal department due to you filing a complaint with the XXXX. '' XXXX and the various parties associated with them have been untruthful, unresponsive, and quite frankly, deceitful ever since I presented them with the payoff check last Tuesday, XX/XX/XXXX. Had I not contact the DMV today, I would have been under the assumption that my title would be showing up sometime on XX/XX/XXXX or XX/XX/XXXX. From how it actually stands, the DMV indicated that the title will not even be created until XX/XX/XXXX or XX/XX/XXXX, and I won't receive it until the first week of XXXX. I realize XXXX has ten business days from final receipt of payment to hand me my title. It appears that they will overshoot this contractually mandated time-frame by several weeks, at best. This whole situation could have been completely avoidable. XXXX has had my title since XXXX. They have admitted fault in this situation, yet have tried to pass blame on to the DMV on several occasions. Whatever issues that XXXX created with handling my title could have been resolved the three and a half months prior to when they had my title ; not the day they received my check for full payment of the loan. They have been unresponsive, untruthful, and unhelpful. I ask for the CFPB 's assistance into this matter.
02/12/2019	Yes	Payday loan, title loan, or personal loan Title loan	Received a loan you didn't apply for	OH 45241	Web
Please note the company I originally engaged in was XXXX XXXX XXXX XXXX. Since then every branch local to me has been shut down and this is part of my problem. On the date of XX/XX/XXXX I engaged this title loan vendor desperate to save my house. I was approved via online submission. I took out a loan for {$4500.00}. They engaged a CSO that has been highly discredited and provided me the loan. The loan date was to end in XX/XX/XXXX. The company engaged in fradulent representations of how they conduct business. The company said they only do 14 day payday based agreements and knew that I was paid on the XXXX and the XXXX of every month. i was told this would not be a problem and they would just add the additional payments at the end of the agreement. The first payment came due, and they repossessed my car after the first full payment was due without the 5 day payment grace period at the end of XXXX. They engaged in harassement after that, and when I contacted them they collected an arbitrary penalty not listed in the agreement of {$1500.00}. I got my car back, something I don't think they expected and filed complaints about thir misrepresentation through this website at the time stating my claim that they had misrepresented the loan and promised the payment schedule even with the contract saying one thing was something they did all the time and it wasn't a problem. After my written complaint to them surround contacting my family members and work in a harassing fashion, I gave them the details of when they could contact and how. This included if I was behind on payments or not in agreement of terms. I contacted them today XX/XX/XXXX regarding the status of payments on my loan to find out that one of the branches had submitted a refinance in my name without my authorization and instead of this agreement ending shortly after the agreement date of XX/XX/XXXX, it turns out it doesn't end until XX/XX/XXXX. They stated someone had submitted a refinance in my name for {$4000.00}. This was not me, I agreed to nothing, signed on nothing and never even walked into the branch. I made my payments by drop off in cash. They claimed I was paying less than required but, keep in mind they repossessed my car and when they did that the contract was lost. I later found it at the bottom of a garbage bag in the trunk from the company that repossessed it. It was in my glove box so it was moved. I had no reason to believe I was in violation of agreed upon terms because they never issued written letters or contact me via phone except when payments were due on the XXXX or XXXX. So I paid based on what I though the payment was, and only changed the payment to a smaller amount when I was told it was less. So, someone in their company submitted this refinance request and did so to clearly cover up an agreement they made and noted in their system that was outside of the boundaries of the way the company operated. This is nothing short of identity theft, and in addition to that a violation of Ohio credit controls. The issue is they know they control my title. This was the reason the person submitted the request was due to the fact that after i made my payment XX/XX/XXXX, which they registered as XXXX because I dropped it off and have corroboration as my son was with me and we never ONCE walked in. I've only entered a branch there 4 times in my relationship with them. I have offered to fix the issue by offering two additional payments to the loan agreement I signed off on to make up for the lower payment amounts being about {$50.00} less. This is based on what I was told to pay by their company representatives. This company had employees circumventing the system, lying to the people it was lending to, and now is using its power over my title to tell me I'm lying because the loan refinance was submitted on a day I paid in cash. but, that's the things, I dropped all my payments off at night after they closed because I work during the day so I would put it in their mail slot. I only paid in person twice and XX/XX/XXXX was not one of them nor did I agree to this refinancing thing they pulled. Please contact the company. I am ready to engage an attorney but, have other problems that have spiraled as a result of this loan. I want to pay the agreed original amount and exit the agreement and to keep my car. We are down to the final payments and they are just telling me almost a year later that my loan was extended in XXXX and that the terms of the agreement were not usual. I am protecting my car, I can not live without it, and with such a small amount left this has to be corrected immediately. Now that I have located the agreement I am attaching the details of the CSO company that is clearly not a anything more than a fraud. They have to be not for profit, and they have to qualify under state law as providing counseling services and recovery which they have not done in any way. in fact a XXXX lookup shows it is an LLC, with complaints against them unresolved, and are likely a front company for a profit based organization.
07/27/2023	No	Money transfer, virtual currency, or money service Debt settlement	Confusing or missing disclosures	MS 39206	Web	Servicemember
I am raising this concern because I have a Loan secured through my XXXX XXXX. As the consumer and natural living person I have the right to be treated fair and equitable before, during, and after all Consumer Credit Transactions as well as notified in the open and conspicuously about rates, disclosures, fees, contractual agreements etc prior to a contract for it to be considered binding. Based on my own extensive research, cases I found on XXXX, and various articles of other consumers stating that XXXX has taken advantage of them in a predatory manner and vocalized that it is indeed a shady company. I decided to look into my recent Consumer Credit Transactions with them to see if I had been taken advantage of as well. I submitted a complaint on XX/XX/XXXX. ( # XXXX ) My complaint was closed with an explanation included in the uploads. Although XXXX XXXX and did not admit fault or guilt I did not expect them to be honest after the continuous research of their Unfair and Deceptive Practices. I received this draft on XX/XX/XXXX in the Online Portal but did not read it until today. However this is still not a sufficient response to me. But one thing the letter did state that was promising is that " TitleMax strives for excellent customer service and remains willing to work with me to reach a mutually satisfactory resolution to my complaint ''. On XX/XX/XXXX I received a call from the XXXX XXXX where she stated I needed to make a payment. I told her the earliest I could make a payment or come to any mutual agreement would be the XXXX. She then stated that my account was no longer under legal review and my account has been flagged since the XXXX and my account was no longer on hold as of the XXXX and that I should have received some correspondence in the mail. I advised her that I had not received anything in the mail regarding the dispute, a 30 day legal review, and the numbers still sounded off to me because even if the 30 day legal review or hold on payments is 30 days then how could they come to a conclusion without me being involved as of the XXXX or the XXXX when I submitted my complaint on XX/XX/XXXX and did not receive feedback on the CFPB XXXX XXXX until XX/XX/XXXX? If I was to make a payment the payment would have been due on XX/XX/XXXX. Today is the XXXX of XXXX so if anything the hold would have been lifted on the XXXX of this month ; and as far as payments if I was to pay anything by the first it would still be within 30 days of the due date. We kind of went back and fourth after I told her she was fast talking, using a condescending undertone, and not explaining the dates to me properly. I told her the next steps would be to invoke arbitration because this is an ongoing dispute and the Federal Trade Commission and The Consumer Financial Protection Bureau is the only entities I know that could properly investigate compliance outside of an internal investigation. She said that since I was seeking " legal counsel '' that she or XXXX could no longer speak to me regarding my account or payments and to wait on correspondence from the legal team. I told her that was never my intent to hire a lawyer and arbitration is the steps to take before adverse action on their behalf or before me seeking to hire a lawyer or legal counsel. XXXX is something that requires an Administrative Process and I was still waiting on the correspondence or the original instrument of indebtedness that she claimed I had received. She then proceeded to tell me that she is already aware of how arbitration works. She has already forwarded false information over to the legal team, could no longer assist me, and was already seeking to repossess my vehicle. Again it has not even been 30 days past XX/XX/XXXX so what's really good? Why did she still forward false information to the legal team and why wasn't I ever able to speak with the XXXX XXXX XXXX XXXX to discuss this matter further? Why wasn't I given any other option of payback or a detailed breakdown of what happened? These are all things that should be done prior to arbitration or even getting a legal counsel involved. I truly believe this is retaliation for even making a complaint, taking a personal initiative to learn more about the TILA, securities exchange, commerce law, and attempting to exercise and insert my rights. This is truly unacceptable but definitely believable behavior from them because this is what I am disputing in the first place. XXXX XXXX has a recent and past history of Unfair and Deceptive Trade Practices these are just a few examples below : " TitleMax customer warns of deceptive car loans '' https : XXXX " CFPB Orders TitleMax to Pay a {$10.00} XXXX Penalty for Unlawful Title Loans and Overcharging Military Families '' https : XXXX " Consumer Financial Protection Bureau Fines TitleMax {$15.00} XXXX for Predatory Lending '' XXXX XXXX XXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, the % XXXX % XXXX % XXXX % XXXX % XXXX.
11/13/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Struggling to pay your loan	TX 78728	Web
. I am writing to provide additional information regarding the data breach incident at Title Max and their response to my attempts to address the situation. When Title Max reached out to me concerning a late payment, I took the opportunity to inform them about the data breach that happen in XX/XX/XXXX and that they didnt notify me unitl XXXX of XXXX, because of this breach ive had subsequent unauthorized access to my personal information. To my dismay, their response was marked by a dismissive " yeah, whatever '' attitude. Instead of addressing the gravity of the situation, their primary concern seemed to be the timing of my payment and the potential repossession of my property. This lack of empathy and understanding from Title Max has only added to the distress caused by the data breach. Despite my attempts to convey the severity of the situation, their response was indifferent, focusing solely on the financial aspect and disregarding the broader implications of the breach on my personal and financial security. Such a response is not only unprofessional but also highlights a concerning disregard for the privacy and well-being of their customers. It is my sincere hope that the CFPB, as a regulatory authority, will consider this aspect in the investigation into Title Max 's data breach. I believe it is essential for financial institutions to demonstrate a duty of care towards their customers, especially in situations involving security breaches. The dismissive attitude displayed by Title Max not only reflects poorly on their commitment to customer well-being but also raises questions about their internal processes for handling such critical matters since becoming aware of unauthorized access to my personal information, a breach originating from Title Max 's system. The fallout from this breach has been nothing short of catastrophic, affecting various facets of my financial life. First and foremost, my credit has suffered irreparable damage. Unscrupulous individuals gained access to my Social Security Number, exploiting it to open fraudulent accounts in my name. This has resulted in a multitude of debts, impacting my credit score negatively and tarnishing my standing with financial institutions. Furthermore, the breach triggered a XXXX alert and an early warning, leading to the closure of my bank accounts. The cascading effect of these actions has been a substantial loss of financial opportunities, hindering my ability to secure loans, conduct transactions, and engage in essential financial activities. I understand the gravity of data breaches, but the extent of the damage I've incurred goes beyond what one might expect. The violation of my personal information has not only affected my creditworthiness but has also caused immense stress and anxiety as I navigate the arduous process of rectifying these fraudulent activities. As a responsible individual, I have promptly taken steps to address and mitigate the aftermath of this breach. However, the impact on my financial standing persists, and I believe it is crucial for regulatory bodies such as yours to thoroughly investigate and address these issues to prevent further harm to individuals in similar situations. In an unfortunate turn of events, my vehicle recently experienced a catastrophic failurespecifically, a XXXX XXXX that necessitates an entirely new XXXX. The timing of this incident couldn't be worse, as the financial strain from the data breach has already placed me in a precarious situation. Regrettably, the impact of the breach extends beyond the realm of credit and banking issues. The urgent need for a new XXXX places an additional burden on my already strained financial situation. Securing a loan for the necessary funds has proven to be an insurmountable challenge due to the compromised state of my credit, courtesy of the breach. To compound matters, I find myself in the unfortunate position of having to save up {$10000.00} for a new XXXX, a task that seems nearly impossible while concurrently repaying the loan from Title Max. It's worth noting that i renew my loan with Title Max multiple times, leading to the payment of renewal fees that far surpass the original loan amount over the course of almost two years. This predicament highlights the far-reaching consequences of Title Max 's lax security measures and their inadequate response to the data breach. The compounding financial challenges, including the need for a new engine and the inability to secure a loan, underscore the urgent need for intervention. Thank you for your attention to this matter, and I trust that the CFPB will take the necessary steps to safeguard the interests of consumers like myself.
03/03/2018	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
Due Hurricane Harvey, my car was totaled so I spoke with XXXX XXXX ( District Manager ). XXXX graciously told me all I needed was pay back the money borrowed ( {$2000.00} ) and asked me what I could comfortably pay. I told I would pay {$200.00} a month until I pay it off. I thought they are very nice to do this for me. Later he decided to make me XXXX instead the original agreement of {$2000.00} without anything in writing. I told XXXX that I was getting very uncomfortable with this situation so I asked for something in writing. There was one delay after another and XXXX would tell me one thing and Manager XXXX would tell me something else.He wanted me to wait until the Title Loan default to start making payments. The amount went from amount to another then I speak with XXXX ( Manager ) and she would me something totally different so I had to call XXXX back. XXXX called XXXX to type up an agreement with the original terms but I did not have the {$200.00}. I presented {$150.00} initially but they would continue with the written agreement. I borrowed the additional money needed to pay them. After I paid the {$200.00}, they wanted me to paid the {$2000.00} not subtracting the {$200.00} paid to them. Again I had to call XXXX to ask what was happening. That's when he stated he would call XXXX to subtract the XXXX from the XXXX with a balance of XXXX. Also, XXXX lowered the payments to XXXX per month until paid off but it was after the outside agency contact them. Then I started getting calls from XXXX XXXX which told XXXX did not have the authority to make those arrangement with me. I called XXXX again to ask why they were calling me about the loan. He said I will call them so they would stop calling me. The corporate did stop calling for a few weeks then started calling again. At that I knew they were playing games so I would go back to the original Therefore, I decided to get outside help because the situation became uncomfortable and I did not trust what they were telling me. The following month I paid XXXX that left a balance of XXXX. Hurricane Harvey left me in Financial Hardship so sought a consolidation Loan that would include XXXX to pay off the debt. I called XXXX to let him know what I was doing then I called XXXX which stated they would take a credit union check. XXXX says yes we will take the check to pay it off. I started processing the loan then I got a call from XXXX. XXXX says if I pay with a check that I would need to pay the original loan amount plus the interest. I had an agreement that stated all I needed to pay was the original amount XXXX and XXXX until I pay it off. Therefore, the agreement signed by both parties was worthless and started paying close attention to what is said from them. I retain an attorney just to make sure they did not do somethings and I'm happy I did. My brother gave me XXXX to pay them off so I presented them with a cashier check. First, XXXX says if you use this cashier check of XXXX she would not be able to give the XXXX back. In amazement, I said what and asked why not? I told ok apply the full amount and I will access outside help to get the XXXX because you just can't keep it. She called XXXX and was told her to give me a check for {$50.00}. I received the XXXX and the attorney says to get the title because they could use it legally against me. XXXX says we tried adding a lien on the vehicle and was told they couldn't because there was another lie holder on the vehicle. I told there isn't any other lien holder. She says see here is the XXXX check for the lien holder because we did not pay to add a lien. What she did not know was I could see the endorsement on the back of check. Also, I show her the title pulled from County records and they were the only lien on the vehicle. I left with the old title and call the credit union and the attorney that says go back to get the lien release. I called XXXX told her I was on my way back to get the lien release. When I got there she had typed up the lien release and dated for XX/XX/18 instead of XX/XX/18. I called her again and told I was coming back again to get lien release the correct date. She had it ready but before driving off I sent a picture of it to attorney and credit union. It seemed to be ok so I left. Although they attempted to deceive the customer with information and documents that wasn't quite legal, I'm still waiting to see what they've done that would come back on me. I've not heard anything from credit union that there are problems. I don't trust it so I needed to get it on file with an outside source. This is an untrustworthy and conniving company so I would like this be on file for any future customers.
12/28/2022	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	IL 60188	Web
We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT I paid off loan early on XX/XX/2022 amount {$1400.00} even though I had already paid the monthly amount of XXXX on XX/XX/2022 They still added the XXXX to the loan on XX/XX/2022 when the loan was simply a {$1000.00} loan. XXXX took the payment over the phone as I was at my bank in XXXX, IL, approval number XXXX from debit card. XXXX the store XXXX got on the phone and stated he was going to mail my title that exact same day since I had been a long time customer with Title max. After never receiving my title I called XXXX and she was rude and confrontational, I told her that XXXX and herself were supposed to mail my title on XX/XX/2022 and I never received it, she said that she would put it in the mail certified, again I was at my bank in XXXX and had her on speaker phone, I read off my address for confirmation and she said yes and it would be mailed out certified. After not receiving my title again I called and spoke to XXXX, she said it was mailed asked for tracking number on XX/XX/2022 the address they sent it to was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL, I never lived in XXXX and neither was my title ever assigned to that address, My bank 's fraud department even called and spoke to XXXX XXXX speak with XXXX and he lied after still no title I went to the Police department and filed charges because they sent an envelope which I had the police to open later and it was empty, XXXX XXXX contacted them and asked why this XXXX who was supposed to be corporate resolution manager had not contacted me on XX/XX/2022 case # XXXX she explained the offices were closed and He told her to have the district manager to call me asap a XXXX XXXX contacted me the next day I asked her where was my title she lied and said she saw it being put in the envelope and I told her the Post office manager suggested that the police department open it and nothing was in it, then she asked did I check with the XXXX XXXX, that is a rhetorical question because I told her the XXXXXXXX XXXX manager told me to take it to the police department because there was nothing in that envelope. Officer XXXX contacted XXXX XXXX on XX/XX/2022 and asked her where is my title and why have I been given the run around, She stated she would mail a check for {$150.00} to replace the title. She mailed the check, But the Secretary of State stated that Title max still had a lien on my title and must give me a letter of the title release in order to get a Duplicate copy, they also stated that in XXXX of 2022 Title max in Wisconsin changed the address on the Title the day I took out the loan to a XXXX address. I am a senior and drove to Wisconsin to take out this loan to help my daughter who was being evicted, regardless of the reason this company has caused unmerited stress, upon me, lied to the Bank Fraud Department, lied to a police XXXX as well as me the consumer who stuck to my end of the deal the Title was paid off XXXX, they finally sent a check for {$150.00} on XX/XX/2022, but intentionally did not supply a title release form with the check for me to receive my title which according to the Illinois secretary of state could take XXXX to XXXX weeks I am flabbergasted and tired of burning my gas providing everything to validate my claim and still be held up by this unethical unprofessional facility. I want my title and I want them to abide by the law which applies in every state regarding a XXXX XXXX. Police complaint number XXXX XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX other witnesses will be supplied upon your request. Besides I initially filed this complaint XX/XX/2022, and the XXXX XXXX in question provided your agency with another person 's case Number XXXX on XX/XX/2022 which is a XXXX XXXX XXXX and XXXX initial case number was ( XXXX ) Which I will provide you the letter they provided you with that you provided me, which had nothing to do with me and is another exemplary display of non professionalism exhibited by this company by providing information on another client is also deemed as a BREACH of another clients confidentiality. Which is also unethical
09/20/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Can't contact lender or servicer	GA 30096	Web
XX/XX/XXXX TitleMax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX XXXX XXXX ; Complaint # XXXX Consumer Financial Protection Bureau ; Complaint XXXX Georgia Attorney General Consumer Protection Division Greetings, This complaint is a follow-up to several complaints that I have filed against Titlemax in XXXX XXXX XXXX and XXXX XXXX XXXX As stated in my original complaint, I have been paying almost {$500.00} each month to Titlemax since XXXX XXXX XXXX for a {$4000.00} loan, which has resulted in a minimum of {$24000.00} in interest payments over the duration of the loan. I have more than satisfied the amount of the loan, and I am unable to pay them further. To date, Titlemax has not responded to the XXXX XXXX XXXX Consumer Financial Protection Bureau, and The Georgia Attorney General Consumer Protection Division. I have been in contact with XXXX from the XXXX office, and I have been unable to secure written communication or receive a response from Corporate Management at Titlemax. As of today, I have made my last attempt to secure my title, as originally requested in the first round of written complaints. I have made multiple attempts to secure a written debt validation stating that I owe Titlemax the amount of {$470.00} that the General Store Manager, XXXX, has demanded, and requests to have the District Manager for the area, identified as XXXX, to call me have been ignored. I refuse to deal with XXXX as he is deceptive and unnecessarily hostile, and I am unwilling to suffer through further emotional abuse, erroneous and misleading claims, and asking for payment in excess of what is due. Not only is my title being held ransom, I believe that I have been discriminated against and denied my right as a consumer to written communication and information, I have been denied my right to be heard by a representative at the corporate level, and I have been denied the right to conduct business in a healthy environment. Communication with the XXXX Titlemax Office are as follows : Monday, XXXX XXXX XXXX XXXX I visited the local office and spoke with XXXX in regards to my account. He informed me that I would have to pay {$470.00} to get my title back. ( I have a recording of this interaction available for review. ) Saturday, XXXX XXXX XXXX : I received the following text message : TitleMax XXXX : Important Account Notice. Its crucial that you contact us today. Saturday, XXXX XXXX XXXX : I returned a missed phone call from your XXXX Office about my account. Tuesday, XXXX XXXX XXXX : I spoke with XXXX again and informed him that I had not received the settlement amount in writing nor had I heard from a representative at the corporate level. Please note that this is the point when XXXX became increasingly passive aggressive and hostile in his interaction with me. Monday, XXXX XXXX XXXX : I contacted the local office and informed XXXX again that I did not receive the information that he relayed on XX/XX/XXXX in writing, nor had anyone from corporate level at Titlemax contacted me. I requested to speak with XXXX supervisor, and he advised me that he would have him give me a call. ( I have a recording of this interaction available for review. ) Wednesday, XX/XX/XXXX : I visited the local office to notify XXXX that I had not yet received a phone call from his supervisor, and I still had not received the information from XX/XX/XXXX in writing. At this point, XXXX was extremely defensive, dismissive, and disrespectful to me. ( I have a recording of this interaction available for review. ) Based on the excessive amount of money that I have paid in interest and late fees over the year, I am going to have to submit this information for review with a financial professional and compare my records with the results of the review to the Georgia State law. I am also releasing the recordings to the general public from my main XXXXXXXX XXXX page so that current and future customers will have a true picture of what to expect with a company like TitleMax. I am offended and outraged by the treatment that I have received and the lack of professionalism in ignoring my complaints as well as usury laws in the state of Georgia as well as borderline illegal collection practices in constantly sending XXXX back to act as a bully on behalf of the company. Sincerely, XXXX XXXX XXXX
04/22/2022	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	AZ 85716	Web
I took a loan out in XXXX to prevent me from losing my car and home. I had no job, no source of income and never took one out before. I stated this to the General Manger who completed my loan application. The requirements for the loan were valid registration on my vehicle and some sort of income in which I did not have. She took a picture of my expired registration cropped out the expiration date and submitted the document for approval. The loan was processed and when I asked, she stated that they would keep my title until I paid my loan off never no mention of a contract needing to be signed, she had me sign and stated this was for the card I would be receiving the funds on and that was it. I had no means to pay my first and second payment and was in contact with the General Manger, I spoke to her advised her of my situation with my husband having a XXXX XXXX which caused my set back. she asked me if I was looking for work and what other arrangements, I was making to try to pay my loan. I stated yes, I was, and she said okay just let me know. I also stated on XX/XX/XXXX that if in the event it was going to go into repo status to save the embarrassment I would take my car to them she stated yes that would be better and save you on the repo fees. The same day I accepted a job offer pending a background check and advised the General manger and she stated ok get your hourly rate and call back. on Monday XXXX the XXXX I contact the General manger and advised her of my pay and then she stated get your pay dates and I advised her it was conditional offer pending the background and wouldn't be given that information until it was completed she stated okay call me when you have that information so we could go from there. I spoke with again on XX/XX/XXXX and pretty much was told not to call back until I had my pay date information. I then tried to get help with paying my loan and contacted her again on XX/XX/XXXX on speaker with the Manger from a different Loan office and she would not help me with obtaining my pay off amount in which this has been an on going issue with retrieving my contract. I accepted the job and started work two days and on XX/XX/XXXX my car was drugged out of my drive way and I woke up and reported my car stolen not knowing it was repossessed when the General Manger and I were working together and it turned out not to be so. I called to advise her Manger and he stated that he wanted the full amount on XX/XX/XXXX and if I could come up with the money to call the same store I took the loan out to get a hold of him and he would call me back. I had told him that I'm sure they had damaged my car by the way it was pulled out my driveway he then stated that no negotiations would be made because, I would pay to get my car back and not pay again claiming damage to my car. He would not hear of anything else or, the complaint I was trying to make against his GM with my issue and sending her employee out to a circle k to obtain pictures to get a loan done. he basically stated for me to get the money to pay my loan and deal with the complaint later. I tried to call to get my contract again today XX/XX/2022 and the GM was talking practically yelling upset I had called corporate and for me to call them for help and I stated I wasn't trying to argue she stated call Corporate and have them hook you up and hung up. I then reach back out to the District Manger and have not heard back. I was not given any details on where my car is and how to obtain my belongings but, he did make sure to tell me he nor, TitleMax was not responsible for any damage done to my car. The General Manger had me under false pretenses believing she was working with me when she had no intentions of doing so. I would have never accepted a job, I had no way of getting to and could have surrender my vehicle to save myself from the embrassment and humiliation caused by having my car repossed and having to contact my employer of my situation making matters even worse having my neighbors looking into my yard at the track marks from my car being drugged out my driveway. She should have been honest and I'm expected to work with this woman. I can't trust as she was not logging in all the times I called stating she last spoke with me on XX/XX/XXXX.
01/08/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	TX 77095	Web
On XX/XX/XXXX, I took out a {$500.00} NON-COLLATERAL payday loan from XXXX XXXX in XXXX, TX. Payment terms were 10 payments of {$99.00} biweekly. I began making my payments on XX/XX/XXXX. I was initially set up on auto pay. I went into the store on the XX/XX/XXXX and made what I thought would be a paydown amount of {$20.00}. I was told at that time by the office manager XXXX that my regular payment would still come out after XXXX. The next day only the difference of {$72.00} was showing as pass due so I manually paid the {$72.00}. I informed XXXX what happened and he said that nothing should come out of my account because the payments shows paid. On Monday XX/XX/XXXX the payment of {$72.00} was debited from my account anyway since it was set up on autodraft. When I called and told XXXX about it, he said for me to go to my bank and get something to show it was taken out. Since there were two payments drafted my bank credited the auto payment back to me and returned the transaction. This transactions seems to have started a big mess with my account with XXXX XXXX and in the way it has been handled. In the following weeks I made my payments based on what the app was saying needed to be paid. Which included payment of {$73.00} on XX/XX/XXXX. When I checked the app almost daily I started to see that the app was showing me past due for {$190.00} continuously and my balance was not going down but rather up. I brought this to the attention of XXXX another manager in the ACH department. He advised me that a ticket would need to be put into IT to try and correct the app. My next payday XX/XX/XXXX I called and spoked with XXXX in the ACH dept and asked her to confirm what my payement needed to be. She said the system is showing $ XXXX-this is the amount I paid. When I talked to XXXX I expressed about dissatifacation regarding the app and how I don't think it was a true account of what I actually owed or payoff. He assured me that he would get back with me before the XXXX Holdiay. Which he failed too do. When I attempted to call him back there was no return call after leaving a voicemail message. At this point I am beyond frustrated with XXXX XXXX and their lack of communication to keep me informed with the progress of my account being corrected. The amount shown on my app is stead going up. On XX/XX/XXXX I called back to again check the status of my complaint and my balance. XXXX confirmed my balance was at the time {$710.00}. On XX/XX/XXXX I made a payment of {$99.00} and the app still kept showing me being {$190.00}. Because of all the issues XXXX another manager called me and said that she would make my XX/XX/XXXX payment for me. I noticed that my balance was still over {$700.00} and I called back. Think I talked XXXX or XXXX that day and explained to her that XXXX made a payment and I also made my regular payment. If there was a double payment made, my balance should be way less then then {$700.00}. I received a return call again not sure if it was XXXX or XXXX but my balance had to manually calculated by XXXX which was confirmed to be {$600.00}. On my next payday XX/XX/XXXX. I made another payment of {$99.00} I specifically asked XXXX to confirm my balance since it was to be manually calculated, because there again their system was not correct. She said XXXX would not be back until Monday and she would call me and confirm my balance. I called on XX/XX/XXXX to confirm my balance since I did not receive the initial call as expected. I was told by XXXX that my balance received from XXXX was {$610.00}. I explained to XXXX that if there was a double payment made for XX/XX/XXXX there is no way my balance should be {$610.00} not too mention, by my next payday on XX/XX/XXXX with interest my balance would be back to about {$650.00} est or so. As payments are being seems like i'm not gaining any traction to even pay this debt off early if i wanted too because whether is their system or manual calculation ITS NOT RIGHT. She than begin to tell me that come XX/XX/XXXX my final payment would be $ XXXXest. At this point I feel like XXXX XXXX is violating the Federal Lending Act and I'm asking for a full investigation to their practice. Based on my pay history I have already paid {$490.00} to this loan.
03/19/2020	Yes	Payday loan, title loan, or personal loan Title loan	Received a loan you didn't apply for	NV 89123	Web
Dear Consumer Enforcement Agencies & Legal Entities, A Titlemax representative refinanced my original loan without my knowledge and consent ; they forged my personal application while I wasnt present. The purpose of this crime was for monetary gain and company praise. Titlemax is not willing to admit any wrongdoing in order to avoid a lawsuit therefore I need your help in bringing awareness to their deceiving business practices! Titlemaxs loan contracts are very misleading and deceiving to the average customer unless they have a law degree with experience on creating legal binding Documents. I challenge any governing official to read a loan contract from Titlemax and understand the fine print. ( The terms are confusing and misleading, especially their Clauses ) Titlemax is Non-transparent with their loan policies, they lack forthcoming business fundamentals that allow customers to understand what they are signing! Titlemax implemented unfair negotiation clauses on contracts that prevent them from being reprimanded or sued due to corruption and misleading statements. Titlemax does not break down monthly payments with an Amortization table for customers to understand how their monthly payment is being distributed to the principal balance and interest fees. This deceiving act increases Titlemaxs profits in large scales and it should be stopped due to its illegal and deceiving non-transparent distribution tactics. Titlemax has loan contracts that extend well over 210 days ( 7-months, ) the moment you sign their binding contract which isnt explained clearly for intentional purposes, they automatically take away the customers ability and privilege to sue them, or request arbitration after 60 days! In order for a customer to maintain its original legal privileges they have to mail a written request to opt out from a ( predatory ) Clause implemented by this deceiving company. Why would a company decide to impose such predatory clauses such as this ; for monetary purposes and to hold their customers hostage!! In other words, after the first 60 days of a contract, Titlemax can terrorize their customers with unfair business tactics and wont be held responsible or accountable for their actions. According to the XXXX, Governing officials stated on record during a multi-million dollar lawsuit against these financial companies ; They lured consumers into more expensive loans with information that hid the true costs of the deal. I strongly advise every US State District Attorneys office and Governing bodies to collectively examine Titlemaxs misleading loan contracts. Please request or order Titlemax to modify their contract agreements with transparency on monthly payment distributions ; every customer has the right to know how their money is distributed in order to make a wise and sound decision prior or during a loan contract. A Payment - Amortization Table allows customers a transparent business experience, it also prevents Titlemax/TMX Finance from illegally taking so much money from Americans who are going through financial hardships while paying outrages interest rates!! Titlemax is literally destroying American lives with pure evil and deception ; its alarming to witness our Government Institutions which were created to protect and serve our Country have failed to stop these Predatory Companies from destroying lives!! I am one of many targeted victims hurt by Titlemax and its parenting company TMX Finance LLC. I want to share my story and be heard. I have substantial evidence that will support my statements. More than 90 % of financial institutions operating in our Country which operate in the loan industry will clearly disclose some type of Amortization Table on monthly payments, how is it possible for Titlemax to not comply with these financial guidelines and not get reprimanded? Titlemax representatives like to impose their power and authority over customers who complain about their unethical and illegal business practices by sending them threatening letters in hope of frightening them to stay quiet and comply with their demands!! I refuse to be victim ; I rather fight for justice until its served. Thank you for your time and cooperation in this matter.
10/29/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	MO 64063	Web
On XX/XX/2023 I aquired a loan from TitleMax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX. The amount financed was {$6000.00}. When I was financed the process ( contract ) is done on a screen with the TitleMax XXXX explaining the contract as you " click to accept '' the terms. I was told and explained that the interest rate is high so I should make my payments on time and not to get extra money when approved for more. I explained that I just wanted a one time loan. I was told verious stories of previous customers who have done this in the past and have accrued amounts up to $ XXXX. The gentleman joked at the amount. I told him I would pay it off quickly and not get any more money. My payments I have already made and dates are listed below. XXXX - XXXX, {$950.00} XXXX - XXXX, {$820.00} XXXX - XXXX, {$900.00} XXXX - XXXX, {$800.00} XXXX - XXXX, {$720.00} XXXX - XXXX, {$850.00} XXXX - XXXX, - {$850.00} Total : {$6900.00} XXXX borrowed {$6000.00} on XX/XX/2023 I have paid back {$6900.00}. I called to get a remainder balance so I could close my loan. I was sure it would just be a couple hunded dollars or at most, another monthly payment. I haven't been able to keep track due to TitleMax having issues with their apps and website in the past months so I call in my payment usually. They recently fixed it. I was able to make my last payment online and that is why I called Titlemax. They still stay I owe a balance today of {$6500.00} How is this legal? fair credit? I made my payments and more than was asked on time, and did not get more money when asked and approved. I just paid back what I borrowed plus $ XXXX and they say I still owe more than what I was loaned. I am now getting behing in making rent payments and other neccessary bills due to this company. They called me on Saturday at XXXX and asked for payment. I told them that I would have to make payment on the next Friday. I was then reamed about the contract that I signed and that they need payment that day or else! I told them to leave me alone and that I was going to report them. I told the lady when I could pay and then made to feel like XXXX and literally XXXX me off. That call alone I feel they are in violation of 15 U.S.C 1692 ( D ) ( 2 ). The use of obscene or profane lanquage or language the natural consequence of which is to abuse the hearer or reader. 15 U.S.C 1692 ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. I know I am protected under the FDCPA - Civil Liability and under damages could be awarded up to {$1000.00} per violation if taken to court and persued. I will If need be. Right now I just want my loan marked as paid off and closed. I also want it reported to the consumer credit bureau that it is paid off in good standing. I let them know that I am disputing the loan contract and amount. That should also be submitted to the credit bureaus and if not, they are again in violation. In short. The last time I called to complain about my contract and try to get help, I called Titlemax and spoke with the Manager. I asked why my amount still showed what I borrowed, she explained that the total was what I still owed. I nearly fainted, cried, got pissed and all the above. I held my composure because I am a professional but she explainded to me that these loans are for people with not so good credit and for individuals that can not go to their banks. I was floored and wished I recoreded this. That means ... the owners are asking the poor, or people hurting, their own comunnity who needs a leg up... to pay {$30000.00} on a {$6000.00} loan. That is stealing from the poor to give the owners at an interest rate that should not be legal or allowed. It is set up to where every two weeks, about when the average american gets paid, the amount of their payment just goes to interest and the smallest fraction to actually paying off the loan. I feel violated in many ways by this company and would greatly appreciate your help. I know alot of our community would as well.
08/10/2019	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	CA 95210	Web	Servicemember
I took out a {$2600.00} loan on XX/XX/2018 from TitleMax on XXXX XXXX in XXXX, CA and " qualified '' for the loan using my son 's SSI and a screenshot from my phone as proof of side gig pay totalling approximately {$900.00} a month in income. I made my first payment of {$380.00} to them on XX/XX/XXXX via the app. Four days later on the XXXX, I paid an additional {$36.00} at the branch in order to qualify for a " refi '' of an additional {$1500.00} which bumped my payments up from about {$300.00} to {$450.00}, with rates at : Monthly : 10.9900 % Annual : * 131.6600 % ( dark grey box ) Total loan amount : {$4100.00} * the rest of the loan documentation states a different, slightly higher Annual Rate of 131.8800 % I have submitted the loan agreement with this. There was a {$75.00} admin fee that was emphasized, verbally and specifically that the loan documents won't state the fee, but it MUST be added and paid with each first payment due. ( {$75.00} for original loan, {$75.00} for the " refi '' totaling {$150.00} in fees ) In regards to the " refi '' If Titlemax can go back and look at the times from the branch on XX/XX/XXXX, they will see that my account was accessed at two separate times during the day : 1. between XXXX and XXXX I stopped in to inquire about the possibility of borrowing more, which they said of course I was, but needed to pay {$36.00} in interest accrued from my last payment to bring my account current. 2. At around XXXX I came back in to pay the {$36.00} to get the refi, at which time I expressed doubt in even getting it anymore because of the payment increase. They convinced me to get it anyway. I never received any paper loan documentation after each signing. I found Titlemax docs via a XXXX search on XX/XX/XXXX and was given login information after calling the branch. The envelope history ofXXXX shows me logging in for the first time that day, which was 3 days after my car was repossessed. I submitted a screenshot of this. There is no documentation of my original loan that I am able to access there nor am I able to access any payment information prior to the refi on XX/XX/XXXX via the app. I was constantly harassed with calls at the same time twice per day from the branch phone number but it was a robocall from corporate telling me to contact the office to pay. The staff also made calls from various numbers twice, maybe more times per day on top of that. The anxiety of the constant calling, worrying and going deeper and deeper into debt took it's toll and I shut down. My issues are : 1. TitleMax XXXX XXXX gave me a loan when I showed proof of insufficient income or ability to repay. 2. There was a credit inquiry or soft check to my credit at the time I took out the original loan, even though they advertise they do not. It states on the website in fine print that they do. I submitted a screenshot of this. I was approved even though XXXX had reported a loan default from back in XXXX to my report. I just found this out recently. 3. I was given a loan/refi without receiving any paperwork or having login credentials to access my loan documents. Titlemax has caused a tremendous amount of serious detrimental harm to me, not only once, but twice and I want them to be held accountable. They should have denied me a loan from the beginning and never, ever should have authorized a refinance on top of that. I believe I have been wronged, taken advantaged of and consider myself a victim to Titlemax 's predatory lending tactics. This never should have happened. I am not a XXXX person, but I am 100 % financially illiterate. In no way was any of the loan terms explained to me in a way that I could understand. TitleMax ripped me and my son of our freedom. They " bought '' my XXXX XXXX XXXX for {$4100.00}. My dad bought me the car as a gift. The last day to redeem my car was XXXX XXXX. It was repossessed with my mama 's ashes in the trunk. Not only did the repo agent threaten me by involving the police, I never received a written inventory of my belonging in the car afterwards.
08/03/2017	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	VA 23060	Web
I took out a title loan with Title Max in XXXX XXXX, VA on X/XX/16 for {$1500.00}. I used the loan to help with bills and my school tuition after leaving an abusive marriage and trying to take care of myself and my children. I paid the loan payment of {$260.00} at first and then in XXXX 2016, I made a partial payment by the due date of the loan, because funds were running low due to other bills. I then paid the rest of the XXXX payment in XXXX, and then the XXXX payment was made late at a significant, but still partial amount. I was getting behind in the blink of an eye, even though I was trying to keep my head above water. I kept making payments, but little was going to principal. I wanted to pay it off with my tax refund, but XXXX refunds were severely delayed, and I had to pay money for my tuition, which could n't be delayed without dropping out of school. The car is used by my XXXXyr old son, who needs the vehicle to get to work. I tried to work something out and my son and I kept struggling to make payments. I have been behind, but always in contact with the staff. I received a letter stating that they intended to repossess the vehicle, and I tried to figure out how I would cover my bills and also make the {$520.00} payment requested in the letter in order to keep the car from being repossessed. I have very little savings left, and so tried to reach out to family, but I read the date in the letter wrong, so I thought I had a few more days to get the money to them. I received a call from XXXX, one of the staff, who said I needed to come in and make a payment, because the date of the letter was past due. I made an arrangement with one of the tellers named XXXX on Monday and Tuesday. She told me that I could make a {$600.00} payment on XXXX XXXX ( Friday ), and that is what I had planned to do. I was pulling my small savings and calling on family and friends to help us. I called the TitleMax on Wednesday to be sure I knew how much I had left on the loan, which was due to be finished this month. I wanted to see if I would be able to pay it off in full by the end of the month depending on the remaining balance. They refused to email me the loan history when I called, but told me that I could come in to get it in person. I went and sat down with one of the managers, at their request when I got there. They gave me the loan history, but also wanted me to give them my payment. I told them that I had worked out something with XXXX to come in and pay {$600.00} by Friday. They informed me that XXXX was no longer working there, and that she did n't have the authority to tell me that, and that I had to make the payment that day. I asked if I could get a hardship loan workout or extension, because I needed until Friday for the {$600.00}. She said no, I had to pay by that day. It was XXXX when I was on the phone, and the office closed at XXXX, so I was n't able to get there even to make a partial payment. This morning, my son was at work, and the vehicle was repossessed. When I called they refused to even tell me where the vehicles was taken to. so my son could get his things out of the car. They referred me to the corporate office. I called the corporate office and talked to a gentleman ( XXXX? maybe ). He told me that he could take 20 % off to just allow me to pay the loan off by giving a pay off amount of {$1000.00} to be done with the loan, because I had such a hard time paying it. I was relieved, and thought I could get that together from family and my savings by Friday. Just a few minutes ago, I was called by XXXX, the manager I spoke with on Wednesday. She informed me that the {$1000.00} offer was not valid, because Virginia law did n't allow them to take less than the amount owed. She then pressed that I had to come in and now I would owe over {$1600.00}! I have 15 days to pay it before they auction off the car, but I simply do not make enough and can not pay that amount by then unless there is a miracle, which I am working on now. We need the vehicle back to make ends meet.
05/30/2019	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	MD 21804	Web
On XX/XX/XXXX I obtained a title loan for {$1700.00} and as to date I have paid TitleMax {$2400.00} back towards the loans. My vehicle was repossessed in XX/XX/XXXX and I have not redeemed the vehicle because I did not have the allotted {$1100.00} that they were requesting to redeem the vehicle at the time. I have recently lost my job so that was one obstacle that prevented me from redeeming my vehicle. I contact TitleMax redemption office and the local office in XXXX De on XX/XX/XXXX to ask questions about the balance that I was given of {$1100.00} to redeem my vehicle and the location where I would have to retrieve my vehicle from. I was informed by a young lady name XXXX that I would now have to pay over {$1400.00} to get my vehicle back which I did not understand because in the prior months on XXXX and XXXX the amount was always {$1100.00} to get my vehicle back. I have received a call from the redemption company on XX/XX/XXXX from a representative asking when I was coming to get my vehicle. I made an attempt to get my vehicle on XX/XX/XXXX when I was told that I could pay the XXXX and I also inquired to see if I could get my XXXX to pick the vehicle up and tow it home because the location where my vehicle is currently located is in XXXX, DE which is XXXX XXXX hrs. from me. I was informed no I could not. There had been no prior communication from TitleMax to me since XX/XX/XXXX prior to my vehicle being repossessed. I have been keeping in contact with the local office with attempts to see if my vehicle was still available for redemption and I was always told yes, and the given amount was {$1100.00}. As of Friday XXXX XXXX, XXXX, I was contacted by TitleMax in XXXX, De informing me that if I do not redeem my vehicle by XX/XX/XXXX it would be sold. I have been doing business with TitleMax for over 3 years and have never fell into this kind of situation before and have always paid my title loans off early. To date the balance owed is {$2200.00}. Which would be a total of {$4700.00} on a tile loan of {$1700.00}. I am hoping that some type of resolution be made so that I can get my vehicle back. If a designated amount could be reasonable and clear that would be great. I have since recovered by vehicle by paying {$1400.00} on XX/XX/XXXX. I was not informed that once I payed this amount that I would not be receiving my title and my lien release. To date I have paid back {$3800.00} on a {$1700.00} title loan that was taken out XX/XX/XXXX. TitleMax is still in possession of my title and they are asking for another almost {$900.00} for me to receive my Title and Lien release. I believe that I have paid TitleMax the total of my loan and way more interest on a {$1700.00} loan then need to be. At the time of my recovery of my vehicle I noticed that there were multiple items stolen from my vehicle which included XXXX XXXX, my Title to my vehicle which was inside at the time of repossession, and undisclosed amount of clothing and shoes that were bagged in my trunk. There was also loose change in my cup holder that was stolen as well not to mention my gas cap keys that costs my {$50.00} to have it removed from my local courtesy dealership. All these items were stolen under the possession of TitleMax after the time of repossession. I had my XXXX tow company tow my vehicle back to my residence as I have had on several different occasions as I own multiple vehicles and have never had any items stolen from them. All these items were stolen with the pretense of my vehicle being auctioned off. My tow company with whom I have been with for over 6 years has no reason to engage on needing my title nor my gas tank keys if the vehicle was being returned to my address. I never signed any release of liability with TitleMax or the Impound lot where my vehicle was taken. At this time, I wish to receive my title and lien release from TitleMax as debt settled with the monies that have been rendered to date.
09/07/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	CA 90291	Web	Servicemember
On XXXX/XXXX/2015 I visited the TitleMax office XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX and I got an auto title loan for {$2600.00}. I signed the " California Loan Agreement, Promissory Note and Security Agreement '' attached as " titlemax loan XXXX '', surrendered my auto title, and I got a check in the amount of {$2600.00}. I was told the loan is a fully amortizing loan, and that I had approximately {$1100.00} in available credit. XXXX and XXXX were the employees that assisted me. I was told I had to hand deliver my XXXX payments to their office at XXXX XXXX XXXX XXXX. On XXXX/XXXX/2015 I drove to their offices and made my XXXX payment for {$320.00}. The payment receipt is attached in the file " payment receipts.pdf '' I noticed that the principal balance had increased to {$2600.00} and nothing was applied towards the principal balance from my payment. I called the office and requested an amortization schedule and the attached " XXXX XXXX Loan amortization schedule.xlsx '' was emailed to me. Apparently, the had illegally added the admin fee of {$75.00} onto the principal amount financed and used an APR of 143.88 % to calculate a payment amount of {$320.00}. The disclosed amount financed on the Federal TIL was {$2600.00} and the APR XXXX. I told them that they had violated the Truth-in-Lending disclosure. They said the APR of 143.88 % was the " State '' APR which is calculated differently than the Federal APR. I told them that was nonsense, as the number of days used to calculate the APR is the same in every state, there is no such term as a state APR and that the federal disclosure would supersede any state disclosure regardless. They told me that they would forward my concern to corporate. Nothing was ever adjusted. On XXXX/XXXX/2015 I made my XXXX payment of {$320.00} and asked to receive {$1100.00} from my remaining credit available. To loan me the amount of {$1100.00} they created a new loan contract with an amount financed of {$3700.00}, an APR of 134 %. They gave me a check for {$1100.00} and applied {$2600.00} towards the outstanding balance of the XXXX loan to pay it off. The XXXX contract is attached as " titlemax loan XXXX ''. The California Finance Lender 's law allows payday lenders like Titlemax to charge an exorbitant interest rate such as 134 % only for loan amounts above {$2500.00}. Titlemax should have loaned me the {$1100.00} at a rate capped by California 's usury law. Instead, in order to charge me 134 % for the {$1100.00} they created a new loan for {$3700.00}, which included the admin fee in from the first loan in the amount financed, a rate of 134 % and a term of 4 yrs. The new payment amount was {$420.00}. On XXXX/XXXX/2015, I made a payment for {$420.00}. Once again nothing XXXX {$0.00} XXXX was applied towards principle. On XXXX/XXXX/2015 I visited their offices. I was considering paying off the loan. I asked them to give me the original wet-ink promissory note from the XXXX loan, marked as " PAID OFF ''. They refused. They told me that they would return it to me only once the XXXX loan was paid off, and that the first loan was still part of the XXXX loan, even though when they funded the XXXX XXXX they withheld {$2600.00} to pay off the XXXX loan. XXXX See Amount paid on your account XXXX : {$2600.00} under itemization of amount financed in the XXXX loan contract ). I asked them for a complete accounting showing how the carryover interest was calculated, and they refused to provide me with one. Apparently interest is compounded on a daily basis, not monthly. I asked them whether there was a reply from corporate regarding the {$75.00} admin fee, which had been added onto the principal and financed and the response was that they would apply a flat credit for XXXX only if I paid off the loan that day. Given the circumstances, I decided not to pay off the loan. Instead I made a {$500.00} payment towards my XXXX payment. I went to
11/28/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 91709	Web
My name is XXXX XXXX and I am filing a complaint against Titlemax of XXXX located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Phone : XXXX. For Misrepresentation / Fraud/ Predatory Lending On XX/XX/XXXX I stopped by the aforementioned Titlemax office to inquire about a possible title loan on my XXXX XXXX. My original desired amount to borrow was {$3000.00}. I was told by XXXX XXXX XXXX ( General Manager ) that my auto qualified for {$6000.00} and I would get a much better rate if I borrowed more than the {$3000.00}. That the interest rate would be much lower if I borrowed more. In the end, I said I do n't need that much but I guess I would borrow {$5000.00} since the rate was better than borrowing {$3000.00}. I was provided a contract and received a check for {$5000.00}. I asked XXXX who is no longer with the company what my late fee is in the event that I 'm late and he pointed to the contract and said {$10.00} for up to 10 days late. It seemed fair to me. On XX/XX/XXXX, I made my first cash payment of {$500.00} per month. ( see attached ). I was n't sure why there was a {$1.00} interest carryover charge but paid no mind to it. On XX/XX/XXXX, I called and spoke to the new ( General Manager ) XXXX XXXX, and told her I was out of town and would be there in a few days so I will just pay the {$10.00} late fee. She asked me what {$10.00} was I talking about and told her that is what it says on my contract. ( see attached ). She well, I do n't know anything about that. That the way it works here is every day that you are late ; you have to pay the daily interest. If you choose to just pay the monthly payment, we add that daily interest to the balance of your principle balance. Thus ballooning my balance. I told her that I thought that my balance goes down and amortizes with each payment and she said no that the loan is interest only. I read online that this is not legal in the state of California. Nevertheless, I went ahead and made my second payment. It was supposed to be {$500.00} but she said she did not have change so to just give her {$510.00} with an interest carryover of {$84.00} making my new balance {$5100.00}. The next few days, they kept calling me to let re-finance my current loan. That there is still {$1000.00} available to loan me. I was n't interested but a few weeks later I decided to do it. I spoke to an agent by the name of XXXX XXXX and she said all I needed was to make my XX/XX/XXXX payment. I stopped by the XXXX office on XX/XX/XXXX and met with XXXX. She asked me for my Credit Card to charge me for the XX/XX/XXXX payment and ran the card. She then came back to the desk and told me that I qualified for {$1200.00} more. She pulled out her calculator and notepad and said my new payment would barely change. That it would be {$510.00} per month, that me new payment date was XX/XX/XXXX per month and handed me a check. I assumed, not knowing how title loans worked that I did not have to sign a new contract since she gave me the check and said you 're good to go, have a nice day. On XX/XX/XXXX, I receive a friendly reminder that my payment is due on the 4th text message. I was concerned about that and immediately called Titlemax and told asked them to change the notifications since my next payment of {$510.00} is due on XX/XX/XXXX. The gentleman who answered the phone said that my payment is not {$510.00} per month. That it is {$620.00} and due tomorrow. I said what are you talking about? My payment, according to XXXX, is {$510.00} due on XX/XX/XXXX!! He asked me if I have a contract and Itold him I was never given one. That I only have my original contract back from XX/XX/XXXX. He said that they were having a problem with the computer and did not record the new payment and that I was n't given a new contract because they were also having a problem with the printer. I said well, you printed my check and also printed a copy of my credit ca
12/05/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	GA 30528	Web
On XXXX XXXX, XXXX, at XXXX I called TitleMax at XXXX. I spoke with a man whom I believe to be XXXX XXXX XXXX, about getting a installment loan on my XXXX XXXX, and pay off the balance of my interest only loan I had with TitleMax, on my XXXX XXXX, that I had taken out when my mother had past away to help pay for her funeral. I had an option when I did the loan at the TitleMax store located on XXXX XXXX XXXX, XXXX, Ga., to do an interest only month to month loan, or the option to pay over time with installments payments. I believe I was shown 2 options ( papers ), with scheduled payment amounts, how much each payment would be each month, how much would go towards interest, and how much would be applied to paying down the principle balance. The other option was just to pay interest only, month to month, and I understood and agreed to do the interest only loan. The lady that did my loan explained everything to me.I read the paperwork, signed the documents, and regretted not doing the installment loan because I have not been reimbursed from the estate within a month or so after taking out the interest only loan. I had thought I would have paid that off within a few months at the most when I took that loan out. I explained to XXXX XXXX when I called him on XXXX XXXX, XXXX, that I DID NOT WANT THE SAME TYPE LOAN AS I HAD ON MY XXXX. I was on my way to work when I called. He explained to me over the phone, after giving me directions to his location, because the Titlemax location I had used for the XXXX loan had closed or moved, and I had been making payments over the phone to this location every month, located on XXXX XXXX XXXX, XXXX, XXXX, Ga. XXXX. He explained to me that he could do a 12 month, or 24 month installment loan at around 8 to 9 % interest, and my payments would be around {$610.00} a month on a {$6000.00} loan for the 24 months and {$6000.00} is what he said I could get when he typed in my make and model and millage.I asked how long this would take because I was on my way to work, and he said about 20-30 minutes. The amount he said, the terms and conditions, payments, interest rate, was explained to me over the phone. When I walked into the TiltleMax store, XXXX was waiting on me, and all he said he needed from me was the title, my ID ( drivers license ). He went outside and took photos of my car, sent them to someone outside the store, on a cell phone. All I did was walk in the store and sat in a chair at his desk while he was sending whatever it was he was sending, and It was taking longer than expected, then they responded and he told me they are cutting a check for {$6800.00}. He asked me if all of my information was still the same while he was waiting on whoever to respond, I told him it was.He took a photo of me.I asked about paying off the XXXX loan, and he told me the easy thing to do would be to come back in once I cashed the check. I said thats it, and he said yes and handed me the check in the amount of {$6800.00}. I assumed I would be signing paperwork, and going over paperwork, but he did n't ask me to, and I trusted everything he told me to be correct over the phone. Everything is paperless now he said. I was late for work and I had no reason to believe otherwise. When I went back to pay off my XXXX and make a payment on the XXXX, XXXX XXXX was not there, they could only find my XXXX in the system, and then they found something that said I owed $ XXXX.The manger XXXX said that he did n't know anything about my loan, and said I could call and talk with XXXX XXXX the next day and he took {$820.00} cash from me. I asked for my paperwork and he just handed me a receipt and said he did n't know any details and XXXX XXXX could go over everything when he got in the next day. I have since learned that all of my paperwork was forged, and I still do not have all of the paperwork.
07/07/2023	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 76201	Web
Please note : the below is verifiable. My loan payment is late. I work for myself. I accepted a check from a client that I have accepted checks from before in the past. However, this time I cashed the check and it bounced, which caused several bills to be returned. I contacted TitleMax and explained the situation. Money got returned to TitleMax. Now it seems they are refusing to take payment online. When I tried to contact them, all of the customer service numbers say they are after hours, although there website states customer service is available until XXXX XXXX CST. There is no automated number to accept payments by phone. They accept payments by XXXX XXXX, but not online. The customer must pay cash at a place that does XXXX XXXX. I would believe the majority of TitleMax customer base would be people who are in desperate need of funds and have limited means. I had proof to show TitleMax that what happened was not my fault and I did not make a payment in an unlawful way. Sometimes, their customers stories are true. I was behind for three weeks trying to catch up the money from the bad check while making money to pay current bills, too. My complaint is I have no way to make a payment because it is after hours. Thete customer portal will not let me make a payment There is no call center to help when after hours. TitleMax is making it very hard and inconvenient for their customers to pay after hours. Which is giving TitleMax more money in fees or it could cause a customer to become late by limiting their means to make a payment after hours. In addition, TitleMax should not punish a person if the payment gets returned once. TitleMax was not the only bill that was returned and no other businesses have required cash payments. If a person is a repeat offender and constantly makes unlawful payments, that is a little understandable, but one time can be forgiven as a mistake. Most people, rich and poor, have made some form of bank error at one time or another. Or perhaps, a check they deposited got returned as NSF. TitleMax business practices are already feeding on people with limited means and desparate. They charge outrageous interest, they continually try to sell their customers on extending their loans or taking out additional funds. If something happens where a customer is unable to make a payment, unlike several other business, TitleMax refuses to help their customers. They have no flexibility in payments. And to top it off, TitleMax can make it hard to make payment by limiting their customer 's ability to make a payment. TitleMaxs business practices are built to keep their customers in debt for as long possible. Their business practices are designed to take advantage of the poor and disadvantage. TitleMax should not have the authority to deny payments. They should not have the ability to make it hard, inconvenient, and, in some cases impossible, for their customers to make payments. Such practices where a company 's design is to keep people who are disadvantage and desparate in dept should be restricted and strictlu monitored. TitleMax should not have the right to do this to people. It is not right and immoral to take advantage of the disadvantage to furthet line the pockets of TitleMax. In addition, TitleMax should not loan more money than the car is worth The first loan was XX/XX/2023, I made my XXXX payment. TitleMax kept on calling to tell me about additional money, which I took out end of XXXX. The bad check was written to me beginning of XXXX and deposited on same day. I paid bills. Two days later, the check was returned as NSF. LOOK at the original loan and what I owe to pay it off today, XX/XX/2023. That is beyond ridiculous and it is because they would not help me while I tried to catch up. Thank you
10/28/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 77074	Web	Older American
I want to make a complaint against TitleMax XXXX XXXX XXXX. I feel that title loans businesses should and they must be regulated. These types of businesses are taking advantage of consumers. With the shaky economy this type of loans have become popular ; however they need more regulation and control from the federal government as they do with for example, loans from banks. I, as a consumer feel that I was taken advantage and I have been another victim from title loans companies. Briefly I will explain. In XXXX XXXX, I found my self in a family emergency, therefore, I went to the TitleMax office located in XXXX office. I got a {$1900.00} Loan and the interest was 181.5559 % annual rate. By XXXX XXXX, XXXX my principle balance was {$4800.00}. Over the life of this loan I paid from XXXX XXXX through XXXX XXXX over {$11000.00}. The balance of the loan never went down. The following chart shows the amount of each payment that I made ( see attached chart ) It did not matter how much the interest rate was the amount of payment was the same or more over $ XXXXXXXX.It they said that they lowered the interest Title Max would demand a vehicle insurance covering them to be purchased from them and added to your payment. If you wanted to cancel insurance and get a full liability insurance else where, Title Max would denied you the right to purchased said insurance. The reason that they gave was that the policy had to have the specific clause " LOST PAYEE TITLEMAX. '' I spoke with different auto insurance. They indicated that the normal and usual phrase used in today 's policies is " LIEN HOLDER TITLE. '' They further explained that it referred to the same meaning. I even requested for a XXXX XXXX XXXX representative, XXXX XXXX, Manager of the Title Max Office referred above. However, Title Max Manager told XXXX XXXX XXXX representative that I could not purchased said auto insurance because their policy referred to " Lien Holder '' and not " Lost Payee. '' I wanted to purchased my auto insurance else where to lower my payment with Title Max, but they did not allow it. There were times that I attempted to pay interest only with out the insurance and they also did not allow it. The last time I spoke with XXXX XXXX about the insurance, he treated me to take my vehicle away if I did not signed a blank form of Voluntary Reposes. He did not let me leave Title Max office until I signed it. My daughter was with me and she got afraid that XXXX XXXX would do something physically to me or her. XXXX XXXX even came to my home at different hours early morning late at night to knock at my front door, if would not leave until the door was opened and I spoke with him. My wife was afraid that sometime might happen to me. I am a XXXX years old man with a XXXX or less. Sometimes I have trouble walking and I get short of breath. When I started having troubled with my title loan was after my daughter passed away in XXXX XXXX. I paid Title Max over {$11000.00} in only interest, and I still lost my vehicle. Please if you can not help me, then help me stop title loan business from taking advantage of consumers. These type of loan business are worst that banks. The federal government protects consumers from banks taking advantage of consumers. Why, then, the federal government does not regulate payday loan and title loan business from taking advantage consumers. Why are payday loans and title loans business given the right to call you? Why are payday loans and title loans business given the right to call you at all times? Why are payday loans and title loans business given the right to hunt you at your home at all times? Why are payday loans and title loans business given the right to coersed you to signed blank forms? Why they are given the right to charge ecessive interest?
01/19/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	FL 32563	Web
XXXX have me a car title loan and had me sign a contract agreeing on monthly payments. When it came close to making my 1st payment I pulled out my paperwork and the paper I signed regarding the payment plan was n't there, instead there was a paper saying I owed the entire loan amount exactly 30 days after I received the loan. The contract also states they would be charging me 42.55 % APR when the maximum allowed in Florida is 30 %. When I called to inquire the woman who answered was very rude and said I had to pay the whole thing and they would n't accept payments. I told her I had to wait on my financial aid disbursement from school to pay it all and it would be a couple of months and to please make a note on my account. On XX/XX/XXXX ( 3 weeks before my school reimbursement came in ) at XXXX at night a tow company showed up and repossessed my car ( Florida state law says they have to notify me of intent to repo ). Along with these violations here are other laws that were broken : * 655.005 - They have no surety bond. Each lender that works there must have sent Office of Financial Regulation an application, investigation fee, application fee. 10 % owner, director General partner and executive officer has to be licensed, submit finger print card & submit biographical summary. Owner must have " Class of Securites '' required to file reports. * 537.006- Did not notify me of intent to repo. Charged 42.55 % APR. Forced me to purchase insurance through them ( I already had insurance ). The distance away the car was towed and stored. Lying to me about ability to make payments. 537.007- ANY title loan made by a lender without a license is VOID. Which means they ca n't collect money, have to return my car, return my title, are entitled to receive reasonable attorney 's fees & costs in any action brought by the borrower. XXXX 533.008- Title Loan Agreement is missing : My physical description, My social security number, My driver 's license number, & my license plate number, signature of loan lender or lender 's agent. Name, address, & phone number of Department of Financial Services for consumers to address complaints. - Florida Law says APR ca n't exceed 30 % and if it does the agreement becomes VOIDABLE. Even if by accident. 537.013- Selling or charging for insurance. Refusing to accept partial payments toward satisfying any obligation owed which is what was agreed upon between XXXX XXXX & I. 537.009- After repossession loan property being returned to loan lender shall be stored & maintained at the title loan office. 537.012- Was n't sent a notice about intent to repossess or given proper time to remove property. Had n't received anything in the mail from XXXX in 2 months. *537.015- Title loan lender who acts as a lender without 1st securing a license prescribed by this act commits a 3rd degree felony. 775.082- {$5000.00} fine for 3rd degree felony. 775.084- Investigation & subject to imprisonment by court for a term not exceeding 10 years. According to the Florida office of Financial Regulations : XXXX XXXX XXXX XX/XX/XXXXXXXX Only had a consumer finance license & NO BONDS. They do n't have a license to deal car title loans AT ALL. -Employee & manager XXXX XXXX & XXXX XXXX do NOT have a license to deal car title loans and the possess NO Bonds. XXXX XXXX the CEO also does NOT have a license to do car title loans in Florida and had NO Bonds. I did my homework. Studied all the state laws front and back. I want my car back and if it 's sold I want to sue. Please help me bring justice to TMX Finance & XX/XX/XXXX. I know I 'm not the only victim because there are class action lawsuits all over the country. Attorney General is aware of the violations and will also be pursuing this.
02/17/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	NV 89122	Web
TitleMax \| XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX and XXXX XXXX On XX/XX/XXXX I called in to speak to XXXX at titlemax to explain my situation that I have lost my position as a my position as a property manager and I am also not getting any construction calls for work and maintenance. It's. I was very stressed stressed and nervous about the phone call as it is difficult to come to terms especially when my wife and I both have a good fico score and we pay our bills this is not something that we do on a regular basis and we're both very concerned about our primary vehicle and the possibility that we not regain our title or worse repossession. When I spoke to XXXX on the phone I was asking him to put in the system notes system notes the the problems that I am now facing and basing and instead of documenting heat commenting heat was more concerned about the fact that we loaned you money sir and this is not how it works this is a lot of money and we are getting this information now? I just want you to know that ...... He kept on going and I asked him to put the system notes in there so that they can document this and I can be given a solution as as the Sky high rates are very concerning and I just don't want to be paying something that is just a drop in the bucket and very worried for my family since we are a small beginning family I am XXXX and I have a XXXX-year-old and a XXXX-year-old and a XXXX XXXX XXXX XXXX XXXX XXXX and she has only a XXXX days to live. These are personal issues however I am basing these and these are the reason for my hardship and my extenuating circumstances that I feel should be more of an isolated case in this particular situation. The bottom line is my wife and I are just trying to be heard and try to get a resolution with new terms that are reasonable and not outrageous or unattainable. I would just like something feasible for my family and I so we are not in debt or have to battle for our primary vehicle! These are the events or concerns that led me to file this complaint as we are very nervous and concerned about the way we were treated on the phone thus far. We are of course now receiving many robo calls and calls from the office phone number @ TitleMax XXXX. We are praying that the Consumer Financial Protection Bureau can help us Find an attainable situation that is something we can work on and not be rushed and felt like we have failed the system with being judged and stressed out when we aren't Feeling like sharing Private information about our XXXX that now has at most XXXX days to live and is XXXX XXXX XXXX with individuals like XXXX and XXXX that do not seem empathetic or caring. We are not looking for counseling we are looking for a solution for our extenuating hardship and is hardship and a more personalized approached as individuals that need a solution for continuing to use our primary vehicle and not feeling like we can lose our only family truck if we dont pay ever dollar + interest. I feel that if I work with them directly I will never obtain my title back and they will hold it over my head which is frightening for my family and I as we are a young family with a XXXX-year-old and a XXXX-year-old. We have lived in XXXX XXXX for XXXX years now and we are home owners. We value and respect your precious time at the Attorney General 's office and greatly appreciate you taking the time to even read through this and is this and hope that you can find it in your XXXX heart to help us as we know that these are billable hours that are precious to us. We pray for a good outcome! I will be furnishing evidence of my XXXX XXXX condition as well as the fact that I have lost my position woth XXXX XXXX as well as the contract with TitleMax.
11/21/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 32218	Web
Please help me!!! In XXXX 2015 I got a title pawn from Titlemax in XXXX Ga. after being put off work for 27 days without pay in order to not default on my financial obligations. Shortly after returning to work I was XXXX on the job twice, once in XX/XX/XXXX ( XXXX ) and once in XX/XX/XXXX ( XXXX ) again not receiving any pay. I have been paying on the loan since that time. After the second on the job XXXX, I fell behind. Eventually I made arrangements in XX/XX/XXXX to make a payment on XX/XX/XXXX. On that day I called to pay the total outstanding amount ( XXXX ) using a credit card. I was told that I had to come in to pay in person. I traveled to XXXX Georgia to make the payment and was told that they could not accept a credit card payment. I had a check for XXXX and tried to cash it but the banks were closed. Again I made an arrangement with XXXX the manager to send the money via XXXX XXXX on Monday ( XX/XX/XXXX ), which I did. I explained to XXXX that I was a XXXX and when injured I 'm left with no income. I further explained that I was looking for permanent, stable employment that would not subject me to such risk and provide benefits in the event of an injury. I went on to tell her that I have opted to cash in some of my retirement that will be disbursed XX/XX/XXXX, thus allowing me to pay them in full. On that same day a representative of Titlemax came to my home. When I questioned the manager she claimed not to have any knowledge of anyone coming to my home. I explained to her that I did as instructed by her staff, trying to bring my account current and because of their misinformation it placed me in a horrible position. Furthermore, had I been provided the correct information, I could have made alternative arrangements. Their information was costly and detrimental to me. They call everyday, 3-4 times per day. Sometime around XX/XX/XXXX Titlemax called my Stepfather, XXXX XXXX, and disclosed the details of my account and told him I was 2 months behind. I thought this was illegal. When he questioned if I had made any payments they replied, " I ca n't talk about her account. " They failed to mention that I had traveled to XXXX and tried to pay. They failed to mention that I had paid {$800.00} on XX/XX/XXXX. They failed to mention that I had called and communicated with them as early as the previous day. My Stepfather became very upset with them and a confrontation occurred. XXXX the manager at Titlemax told me this information. She stated that the exchange was so bad that her employee hung up on my Stepfather. Per XXXX, shortly after that call XXXX XXXX 's wife called and another contentious exchanged occurred. After calling XXXX XXXX, they then called my aunt XXXX XXXX. They have also called XXXX XXXX 3-4 times per day for over 2 weeks. I questioned XXXX about her tactics, telling her it was illegal to disclose my personal financial business to anyone. I also question the reason for calling my aunt after speaking with my Stepfather. Fortunately, my aunt was present during the XX/XX/XXXX conversation and was on the phone during the XX/XX/XXXX meeting. After receiving another income source I spoke with XXXX, again making another arrangement. On XX/XX/XXXX another Titlemax representative came to my home, before the arrangement could materialize. I feel like XXXX. They tell you one thing and do another. I feel that there was never any intention to work with me and no matter what I did the only purpose is to take my car. I believe the wrong information was done on purpose. There is no reason for them to send their lynch men to my home. This is threatening and intimidating. Please Help
10/08/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 76039	Web
First issue that I have is when I got the loan. There are two XXXX locations within a mile of each other. I had stopped at the one at XXXX XXXX XXXX and that is where I originally received my loan. That loan was set up in monthly payments that was broken down over 5-6 months paying the loan off. Which is the type of loan I wanted. Then I came back in a couple weeks later and requested a larger amount to handle an expense that I hadn't calculated before. Expecting everything to remain the same, I was told it wouldn't be a problem. The employee then tells me that due to the amount of my loan that I was going to have to go to the other XXXX down the road and they would take care of everything else for me and get me the amount I needed. So I go down the street to the XXXX at XXXX XXXX XXXX and they have me do application and take pictures of my car. I am approved and the paperwork is completed. No one telling me yet that I have been switched to a different type of loan or anything. It wasn't until I came in to make my first payment that I found out the type of loan I was in now was every 30 days and not the 5-6 month loan. Which the 30 day loan charges more interest and is not what I was trying to go with. When I came in to make my XXXX payment, I inquired about putting a large amount on the principal of the loan. Specifically, I ask that if I were to make this payment today, could I pay towards the principal of the loan without being penalized. The answer I was given was " oh yea, you can put whatever you want to the principal of the loan at any time. '' So, on XX/XX/2018, I came in to make an {$1800.00} payment. After I make this payment, I'm told that the interest that is due for the next payment doesn't include the {$1800.00} that I had just put on the loan and in fact that I had to pay the fee amount from when I made the XXXX payment before the {$1800.00} was applied. Which Ms. XXXX wrote it all down for me. Amounts and dates and totals on my receipt. If I would have known this information, I would have applied the principal payment at the same time I made the regular payment since I had to pay interest on the amount from that date anyway. So I paid {$1800.00} then in a couple weeks after that I was forced to pay a payment of around {$400.00}. There was no explanation or information given to me for the events described above. I was lead to believe I wouldn't be penalized for something when in fact it cost me the same amount as if I never had made the principal payment. The last thing is that all the amounts that Ms XXXX had written down on my receipt are different than the amounts that actually came to be in the future. The amount she said I would need to pay on the XXXX of XXXX was higher than the amount I was ask to pay on that day. Along with the total loan amount and principal amounts. When I ask why I wasn't explained any of this information or why I was lead to believe otherwise, all I received was an apology but was told there was nothing they could do regarding the matter. So I ask for all the documents regarding the loan and the disclosures, in which I was given the very first page but nothing that explained any details about the loan. And had to tell the gentleman again at that time that I wanted all the paperwork regarding the loan which finally I was given more info after about 15-30 min of having to wait even longer. When I ask why I hadn't been put in the same type of loan I had originally agreed to, I was told that because I ask for more money, I was forced into the other type of loan which to me makes no sense whatsoever.
03/10/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 305XX	Web
On XX/XX/XXXX I go to TitleMax in XXXX Georgia to pawn my car title my title was in my maiden name so I had to go back home and get my marriage certificate as I was leaving the office the employee that was working with me said if you make it back by XXXX I'll get you {$5000.00} he said just make it back before XXXX so I can get some good pictures of the car and I will get you {$5000.00} maybe more I made it back before XXXX he done the paperwork and then as he was telling me where to sign he said you were only approved for a XXXX he could tell that I was not happy with that and he said you won't get a higher offer anywhere else so so far he had lied to me twice the first time when he said that he could get me XXXX when he really had no idea how much I would be approved for so if he doesn't know how much someone is going to be approved for he should not be telling them how much he can get them that was a lie then whenever I came home and check around I found four other places that were willing to give me more money at a lower interest rate so I took the XXXX and I was upset so I did not even cash it that evening I just went home XXXX the XXXX I go to cash it and they tell me that it had been sent back to sender after XXXX I called the office and told him what happened he told me just to come in when I can XXXX the XXXX I went back to the office to just get my title back at this point I had not even received any money from them they took it back and the week after XXXX my mother passed away so now I could no longer afford the payments I was having to pay the funeral bill and I was working less I didn't see that it would be a big problem with me just getting my title back because I had not even gotten any money from them but whenever I ask the employee if I could just cancel my application and get my title back because my mother passed away I can't afford the payments any longer and he said no he wishes that he could help me but it had been over XXXX hours and I said XXXX hours from what and he said XXXX hours from when you open the loan you only have XXXX hours to change your mind but then whenever I go over their policy I see that you have XXXX hours after cashing their check you can either bring it the check back to their office or all the money back to their office and get your title back within XXXX hours but I had not even received any money from them yet and was wanting to cancel my application and was told no I really don't understand how TitleMax can take their money back after it had been XXXX hours but yet we're not allowed to go get our titles back after they take their money back something is just messed up about that so then I reported them to the XXXX XXXX XXXX and when TitleMax responded to my complaint they didn't even acknowledge the real issues that I was having which was the employee lying to me and them going against their own policy the the only thing that they addressed in their response was the fact that I was having issues with their app so the XXXX XXXX XXXX gave me 30 minutes to respond with a reason if I disagreed with their response so I did and I told him why I disagreed that TitleMax did not address my issues the XXXX XXXX XXXX then told me they were sorry that I was still dissatisfied but they were going to post that the business had addressed my issues and I was still dissatisfied I emailed them back and told them that if they posted that it would be a lie that the business did not address my issues and yes I still was dissatisfied because the business did not address my issues thank you for your help
05/24/2023	No	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	GA 30310	Web	Servicemember
On XX/XX/2023 my car was repossessed by TMX finance AKA title bucks. After seeing your security cam that my car is taking I gained that they had got my vehicle that night. When the vehicle is taking as on security camera I can see that my lights and XXXX security features are going off crazy while he's pulling off with my car. On XX/XX/2023 I was able to regain my vehicle after paying what was old to get it back which was around {$700.00} in which I'm being told none of that went toward my loan and actually that I owe more than what I even borrowed which is even more confusing after being lied to by staff saying on the phone that once I once I paid I will be able to get my vehicle back that turned out to be a lie I got dropped off at the store and after I paid all the money I had to be told that I can't get my vehicle until Monday and at a place at called XXXX. I was furious because I just gave them all my money so I had no way of getting home which I had to walk from that store all the way home because of the staff line so they can get the money I then get to IA on the XXXX to get my vehicle and they gave me a as as I figured it is being a paper for me to get my vehicle out of their possession and do to that my insulin was in the car and I needed it very badly so I was very disoriented already and the staff knew that they had me sign the inventory sheet from the on the XXXX and I signed it on the XXXX when I got to my vehicle it would not start the staff suggested I charged my battery so he brought the battery charger to me which I charged it up and the car after a few tries and started only is that is a proceed out I'm riding on the highway it just finally come to me that wow that my dash cam is missing which sparked me to believe someone was in my car and as I looked through a lot more things in my car a lot of more things are missing as well including personal debit cards my wallet was in the back throw it open my drone was missing my jewelry was missing my shoes was missing I then called IA which she tells me I have to come all the way back there to make a report which I can't make it all way back there because I live nowhere near their location I then called XXXX police and they came out my house where I made the death report of my things I didn't call TitleMax and IA and the tow trucking company trying to see who's going to take accountability for my things being taken or who's going to reimburse me back from my loss which should be fair but all three of the companies XXXX XXXX and the tow company XXXX XXXX XXXX XXXX are all pointing fingers at each other and no one 's taking accountability and I'm at a loss of all my things while tired of us had the density to call me about my payment being coming up due but never call me back about my things being taken out my vehicle which is very unfair and I'm disappointed in all the XXXX companies I'm asking for the cfpb so please help me with this matter because I believe since they are big companies they feel they can just step on the little guy and and nothing gets done about my matter. This this stuff of my things has really hurt me financially with them taking my drone which is how I make a living and my jewelry and miscellaneous things that I showed the XXXX police XXXX as he made the report all receipts for everything and the company 's basically are not respecting the police report at all. District XXXX for XXXX finance has received police report and my formal complaint about the theft it's going on month and few days and no one has resolved my problem that they caused
11/19/2022	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	IL 60188	Web
I paid off loan early on XX/XX/2022 amount {$1400.00} even though I had already paid the monthly amount of XXXX on XX/XX/2022 They still added the XXXX to the loan on XX/XX/2022 when the loan was simply a {$1000.00} loan. XXXX took the payment over the phone as I was at my bank in XXXX, IL, approval number XXXX from debit card. XXXX the store manager got on the phone and stated he was going to mail my title that exact same day since I had been a long time customer with Title max. After never receiving my title I called XXXX and she was rude and confrontational, I told her that XXXX and herself were supposed to mail my title on XX/XX/2022 and I never received it, she said that she would put it in the mail certified, again I was at my bank in XXXX and had her on speaker phone, I read off my address for confirmation and she said yes and it would be mailed out certified. After not receiving my title again I called and spoke to XXXX, she said it was mailed asked for tracking number on XX/XX/2022 the address they sent it to was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL, I never lived in XXXX and neither was my title ever assigned to that address, My bank 's fraud department even called and spoke to XXXX to speak with XXXX and he lied after still no title I went to the Police department and filed charges because they sent an envelope which I had the police to open later and it was empty, officer XXXX contacted them and asked why this XXXX who was supposed to be corporate resolution manager had not contacted me on XX/XX/2022 case # XXXX she explained the offices were closed and He told her to have the district XXXX to call me asap a XXXX XXXX contacted me the next day I asked her where was my title she lied and said she saw it being put in the envelope and I told her the Post office manager suggested that the police department open it and nothing was in it, then she asked did I check with the post office, that is a rhetorical question because I told her the post master manager told me to take it to the police department because there was nothing in that envelope. Officer XXXX contacted XXXX XXXX on XX/XX/2022 and asked her where is my title and why have I been given the run around, She stated she would mail a check for {$150.00} to replace the title. She mailed the check, But the Secretary of State stated that Title max still had a lien on my title and must give me a letter of the title release in order to get a Duplicate copy, they also stated that in XXXX of XXXX Title max in Wisconsin changed the address on the Title the day I took out the loan to a XXXX address. I am a senior and drove to Wisconsin to take out this loan to help my daughter who was being evicted, regardless of the reason this company has caused unmerited stress, upon me, lied to the Bank Fraud Department, lied to a police officer as well as me the consumer who stuck to my end of the deal the Title was paid off XXXX, they finally sent a check for {$150.00} on XX/XX/2022, but intentionally did not supply a title release form with the check for me to receive my title which according to the Illinois secretary of state could take up to 6-8 weeks I am flabbergasted and tired of burning my gas providing everything to validate my claim and still be held up by this unethical unprofessional facility. I want my title and I want them to abide by the law which applies in every state regarding a Title Loan. Police complaint number XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX other witnesses will be supplied upon your request.
03/14/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	SC 29687	Web
I recently had an issue with XXXX XXXX in XXXX SC. We took out a loan on my daughters XXXX XXXX that I originally paid {$8500.00} cash for. After falling on some hard times, we needed the money to keep from losing our home. After paying XXXX for over a year, a little over {$3000.00} on a {$4000.00} loan we decided to sell the car. The payment was 2 weeks late and at that point I let XXXX know we had decided to sell the car. I listed it for sale and immediately got several inquiries on it. The week of XX/XX/XXXX-XX/XX/XXXX, it rained the entire week. I did have one person put a {$100.00} deposit down on the car but he then changed his mind 3 days later and did not purchase it.That was on XX/XX/XXXX. I called the XXXX XXXX store again at that point and said " the sale did not go through but I have people lined up to see it on Sunday when the rain stops. '' At this time the loan was 28 days late. I told her that by Monday the XX/XX/XXXX the loan should be paid off. I spoke to them again on Friday XX/XX/XXXX to make sure we were okay, that they weren't going to take the car and I would be able to get it sold. I was told my account would be notated. On Saturday the XX/XX/XXXX, the very next day, XXXX XXXX repossessed the car. It was barely 30 days late and they knew my intention was to sell the car. The loan would have been paid off and I would have been able to put at least {$1500.00} in my pocket. Now not only am I out all the money I've paid them over the past year, I'm out the original amount I paid for the car, I'm also out the profit I could have made. I have a XXXX so working full time is really hard but I work as much as I possibly can. I am appalled that this company has such little consideration as to how they turn peoples lives upside down and not care at all. When the loan was originated my daughter was told to lie about her income to get the loan approved even though supposedly they don't " base decisions on income ''. If that were the case why did they tell her to lie about it? These people are deceiving consumers and locking us into extremely high interest loans with no willingness to work with customers. I then received a letter in the mail stating that they would sell the car and if anything was left we would recieve it, unless they decide to give it to someone else. Who else are they going to give it to? Themselves? This is the worst company to work with and this type of lending should be outlawed. It's criminal the way they treat people, constant harrassment, calling everyone you know, and then still on top of all of it, they take what you've worked so hard to pay for! I am sick and tired of being taken advantage of and XXXX XXXX is the dirtiest company for how they treat their customers! Since they got the car, I want the money back that I've paid in to this loan that probably should not have been written in the first place if the income wasn't high enough in their system to approve it. I spoke with their corporate office and was told, they don't hold cars due to the weather and it's not their fault it rained all week. One Day! I needed one more day and the car would have been sold and they knew that! Now they aren't just making a profit off of all the interest, they will make more money selling it, and I have a feeling I will never see a dime. This has to stop with XXXX XXXX! They are destroying people 's lives and don't care at all. Something needs to be done about this company robbing people blind, harrassing them, and taking their assets they've worked so hard for!
06/03/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75061	Web
I am a XXXX. I experienced a tough financial hardship & decided to check into getting an auto loan so that I could pay off some debt & hold me over until I could find a job. The young lady was 'super-friendly ' & explained in detail, she claimed, all of the need-to-knows. & particulars concerning a loan. I asked very pointed and specific questions after she was done. One of the questions were concerning intereset & principle. She told me that each month interest was due. That after paying the interest, I could pay whatever amount towards the balance to lower the amount of interest each month. With that in mind, against my better judgment, I decided to take out a $ XXXX title loan against my car. Going on the premise that interest is due 'each month ' imagine my surprise when the day after making my first interest payment of {$810.00} I came back to make another {$1000.00} payment only to be told that I had to make another {$810.00} interest payment & that only {$180.00} would go to principle. I was certain they had made some sort of mistake because " just yesterday I made the monthly interest payment & I am certain this {$1000.00} can go toward my principle. '' SHOCKED! I did n't know what to do or think. I felt XXXX violated & my XXXX got very weak & almost XXXX & had to sit down I was so weak.I am an educated person & I know for certain the young lady told me that after I paid the monthly interest payment, I could bring in any amount ( s ) during the month to pay on principle so that interest the followin month would be lower. " No, that 's not how it works '', I was told. " Each time you make a payment, interest comes off first, then the rest lowers your balance. '' " So if I want to make XXXX payments per month, they charge interest payment each time? ", I asked in disbelief. It 's like getting charged just to make a payment. I was given an interest payment schedule which enforced ( to me ) the idea that I only had XXXX interest payments, XXXX per month. This is not fair. When a person makes a payment, they should not charge that amount of interest until a month has already gone by. That is ridiculous and I could n't understand why they would do such a thing. I argued and argued because I 'm a prudent person I would not have agreed to such terms. I 'm XXXX and was unable to keep up with the payments. They repossessed my vehicle XXXX times even after I came in with a $ XXXX check that they would not cash or take from me to pay on my car. After I got the check cashed, I had to fork over $ XXXX to get my car out of repossession only for them to repossess it again forcing me to file Chapter XXXX protection in order to get my car back. Since that time, I was unable to keep full coverage on my car & it was vandalized and now I am paying for that as well as the payments they are getting from the Chapter XXXX trustee. I want Title Max to apply the {$5000.00} I paid, if not all a good portion towards my principle because even AFTER paying it, TitleMax still reported that I owed {$9000.00}. This is extreme usury. I feel lost & so hopeless and if this request is to no avail, please add to legislation or rules being proposed, a rule that interest should only be due once a month & that the customer can come in and pay on principle after paying that monthly interest throughout the month without being charged interest each time, if not get rid of these companies altogether because they destroy people 's lives & care nothing about them once they 've gotten commission or bonus for selling a lie.
02/23/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	GA 303XX	Web
title max of Ga is the worst company for a title loan. I am sure because this office is located on the XXXX the interest rates are higher. I got the loan to help with my XXXX year old father back in XXXX of 2015 who transition in XXXX 2015. Also to do some car repairs. This company always changes information to the consumer and they do not let you know. It is always a blow in your face. I was told today that they will no longer accept debit payments if you are overdue just for 1 day. Will I called on Saturday at XXXX and no one answer the phone the machine came on that is how they get people to pay an additional interest rate. Also because they are closed on Sunday if your payment is due on Saturday then it 's a double payment. Since XXXX they have tried to get me a couple of times and I have fought them. However, This needs to stop somebody in the GA capital is capitalizing on these title pawns. How are they allowed to take advantage of people like this. I have copied and pasted some items from their website which is guidelines they do not follow. Which should be state wide. Please see below .We may from time to time in our sole discretion and without notice to you modify the terms of this Agreement and/or change the rules that govern it our customers mean a lot to us. We firmly believe that we only succeed when you succeed. WILL WHEN THEY MAKE MAJOR CHANGES YOU SHOULD LET THE CONSUMER KNOW THIS. " NO LONGER TAKING DEBIT PAYMENT OVER THE PHONE. THEY SHOULD HAVE SENT OUT A NOTICE OR DO A CALLING POST TO CONSUMERS That 's why we spend ample time and attention training each and every one of our TitleMax team members. To us, it is much more than just auto title loans. It is about giving you the options you need to take care of your finances. So no matter what store you walk into, you 'll find customer service reps who have the tools and knowledge about vehicle title loans and our other programs to help you make the best decisions for your life. WELL IF THESE REPS WOULD HAVE HAD THE TOOLS AND KNOWLEDGE. THEN CONSUMERS WILL NOT BE IN THE PLACE THEY ARE IN NOW WITH PAYING ADDITIONAL FEES BECAUSE THEY CHANGED THE RULES it 's why we genuinely work with you from start to finish on a variety of auto title loans : From clear-cut explanations and walkthroughs of the process, to giving you the option of pre-approval for a car title loan to customized payment plans based on your own specific circumstances, to a robust text message reminder program to help you stay on track, we have designed our business around you. THE ABOVE IS RUBBISH I WISH THEY WOULD HAVE DONE THAT. THE ONLY PERSON THAT HAS KNOWLEDGE IS THE PROPRIETOR OF THE ESTABLISHMENT. WHO RUNS ALL OVER TOWN BECAUSE HE HAS XXXX STORES TO MANAGER AND COULD NEVER RETURN PHONE CALLS. Each and every step we take with our car title loans is to ensure your complete satisfaction with us and the ultimate success of your future. Benefit from our all-credit-welcome policy Our focus is on getting you as much cash possible while keeping your payments manageable. WELL IF THEY WOULD KEEP IT MANAGEABLE THEN I WOULD NOT TO BE THE VOICE FOR SO MANY FOLKS ON THE SOUTH SIDE OF XXXX ( XXXX ) XXXX In Georgia, title pawn companies are required to cut the interest rate in half after three months. But they do not have to let you pay down the principal as you go, so in most cases you just make interest payments until you pay off the loan entirely. I HAVE BEEN WITH THEM SINCE XXXX OF LAST YEAR THEY HAVE NOT CUT THE INTEREST RATE AFTER THREE MONTHS.
10/12/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75071	Web
I obtained a title loan from Title Max in XXXX for $ XXXX I paid on the loan for a few months when I was offered a increase in the loan due to the value of my vehicle in XXXX XXXX I accepted the offer and paid that for a few months each month I paid on time either on the due date or within the grace period before there is a late fee accessed. I continued to pay the loan each month adding additional money to apply towards the principal whenever I could. This was not my first time going to title max for assistance and previously I paid the loan off with no problem. During the summer of XXXX I was offered the opportunity to increase the loan and get more money again due to the value of the car. I agreed since I had incurred some expenses and I had taken a decrease in income. My payment increased but my interest rate was lower ; however the loan ofcourse was interest only. I paid the loan each month on time or within the grace period for over a year until XXXX of this year when my XXXX passed away. I called them and advised them I had severe financial problems due to funeral cost. I was led to believe if my payment was not there within a few days the car would be picked up per the terms of the agreement. I was referred to XXXX by the store employee XXXX to obtain a payday loan. I advised him unfortunatley i can not make the payment that week because of the the unexpected cost, I advised i didnt want to loose the car was there anyway to take part of the payment and work out an arrangement or defer the month so that I could at least keep the car, I was advised no the car would be picked up. I continued to receive dphone calls and the car wasnt picked up the following week i asked for a copy of my loan documents and payment history to be sent to my attention. I was told no I would need to come into pick up a copy. I spoke with XXXX again on Friday XXXX/XXXX/XXXX and advised I would come in the evening to get the documents, payment history and a payoff so I could make arrangements to have the car paid. When I arrived he through me the payment page which is given each time i come in and said my account was frozen and he wasnt going to give me any information. He also shouted in the office in front of other customers " We have been calling you all week '' which i responded to yes and I have spoken with you I was told to come in and I came in for the loan documents and history. He said again in front of a customer your car is up for repossession the account is frozen I 'm not doing that tonight, I 'm not giving you any information. I asked if another store could help he said NO all your information is here. My dispute is his refusal to assist me when I asked for the information over XXXX times face to face. I spoke with XXXX on XXXX/XXXX/XXXX and I was advised I would need to come into the office and I also went on the website of Title max and asked for a Debt Validation. After several request to have my documents emailed or mailed or even handed to me I was not successful. In addition my privacy was violated when he yelled in front of a customer your account is frozen your car is out for repossesion He also said to me in front of a customer " we treat our customers who pay nicely. '' Not only was i very hurt and offended it happened at a very difficult time after the death of a parent. I have had many loans with Title max and have always had a good payment history to have XXXX incident happen and be treted like I 'm a criminal was awful. I would like to have my debt forgiven.
06/10/2015	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	SC 29360	Web
I applied for a title loan on XX/XX/XXXX. My vehicle was repossed XX/XX/XXXX illegally,due to not being properly notified.I have not received a" Notice of Right to Cure" Title Maxx was communitcating with a person not on the loan. They was leaving messages and notice XXXX. Per there system my address was correct and I have yet receive any notice before my vehicel repossed and the hood damaged in the process. XXXX initiated the repo. Per repo agent XXXX didnt know the make of my vehicle.She advised him it was gray and was at my resdience on XXXXSC. I find this very odd, if she knew where my residence was why did a receive any notices at the address stated. The general Manager advised a Notice of Cure was sent in XX/XX/XXXX but did receive the notice or any other forms of commuincation. I continued to pay on my loan and Title Maxx accepted payment until I made a payment of $XXXX. My payment is $XXXX. I wrote a note advising that I would pay the remaining on XX/XX/XXXX when I dropped of payment on XX/XX/XXXX which was 9 days late.I didnt receive a notice advising that Title maxx do not accept partial payments.Not knowing that the Genreal Manager was holding my Money payment of $XXXX because she could only accept $XXXX. On the 19th day my car was repo with out properly notifying me.The General Manager stated she proceed with the repo due to failure to reply and she could not get in contact with me, but she sent the repo man to my residence address on file at Title Maxx XXXX to pick up the vehicle. My question is why was I not sent any notices to the address on the account. Legally I am as the consumer is suppose to receive one notice of "Right to Cure" Per South Carolina Law section 37-5-110 and 37-5-11. I have the right. I was suppose to be given 20 days after i receive the letter to pay up that I didnt receive at the address of XXXX SC XXXX on the date the letter was supposed to be mailed at the said address. On XX/XX/XXXX my car was repossed. I contact Title Maxx.. I was quoted that I had to pay the loan in full XXXX. The she advised I could pay $XXXX to bring the account current. She said I owed for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. As I say again, If i was that far behind why wasnt' I notified and why wasn't the car repo in XX/XX/XXXX. I have a reciept for where I paid by money on XX/XX/XXXX $XXXX Money order, and I paid $XXXX of $XXXX on XX/XX/XXXX. How was I a month behind and still had possesion of the vehicle if a Notice of Rigth to cure was sent in XX/XX/XXXX that I did not receive.If I had been notified properly, I would noy have had to pay repo fee of $XXXX, may car would not have been damaged. I was making payments every month. Made XXXX partial payment with a written notice that i will pay the other $XXXX on XX/XX/XXXX when I dropped off payment of $XXXX on XX/XX/XXXX. Also my right as a consumer has been voilated beacause The General Manager went the residence of XXXX and discuss my account with her tell her I made a partial payment on my account and left a numerous notices with XXXX on the door and in her hand that I and the payor didnt receive in hand. Per XXXX she threw the notices in the trash becasuse that was personally business that should not involved her.When Title Maxx has my correct address on file and my employer information. I was voilated and I am going to file a civil case against Title Maxx XXXXSC. I have pictures of damages while the car was in title Maxx possesion and receipt of XX/XX/XXXX Payment. Thank you
06/08/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	MS 39206	Web	Servicemember
I am raising this concern because I have a Loan secured through my Vehicle Title through TitleMax/TMX. As the consumer and natural living person I have the right to be treated fair and equitable during and after all Consumer Credit Transactions as well as notified in the open and conspicuously about rates, disclosures, fees, contractual agreements etc prior to a contract for it to be considered binding. I recently went to check on the status of my loan repayment and discovered that after almost a year I am nowhere near paying off the actual loan. Most payments have been heftily applied to alleged handling fees and interest. Only a meniscal amount has been applied to the principal. I was not alerted of this until my recent self discovery. When I went to get the loan in XXXX of XXXX my social security number was ran but apparently my loan was secured through my vehicle title only. The entire application was done on large computers by the representative. I received all of the paperwork in an envelope once I was everything was already completed and I was ready to walk out of the door. No one in the store went over these rates and disclosures with me in full detail. Everyone made it seem like they were doing me a favor and acting in good faith. However I now know that I have been manipulated and possibly frauded in the process. I only received {$650.00} when the loan originated in XXXX of XXXX. Why is the current payoff amount over {$350.00} in XXXX after 9 months of {$120.00} payments? These rates are ridiculously high and their practices from a consumers prospective is very deceptive and unfair to say the least. If they do not disclose these facts prior to doing business, how is that fair and equitable? They take advantage of already vulnerable people is morally and logically wrong. However all they care about is money and taking your vehicle in the event you are not able to make one of these outrageous payments. I would like for The CFPB to investigate TMX rates, disclosure policies, and overall business practices, to make sure they are in compliance with my state. After I discovered my rates I researched the company 's history a little more and found out that this company has a history of willful noncompliance and deceptive business practices. I have located over 200 Consumer complaints, XXXX XXXX XXXX complaints, Court Filings, countless forums online, and many consumers warning others to never do business with them. They even have a history of scamming military servicemen. This company is very shady. I even saw a press release from XX/XX/XXXX with a gentleman alleging the same exact thing to him at a store in Georgia. After he blew the whistle, TMX allegedly gave him his title back and said the loan was satisfied. That reaction alone lets me know that obviously they know this is happening but it is very apparent that they do not care! As a consumer, I believe that I have a right to fair and transparent financial services, and I am disappointed that TitleMax has failed to meet these basic standards of The Truth In Lending Act. I am also concerned that other consumers may be similarly affected by TitleMax 's illegal and unethical practices. Therefore, I request that the Consumer Financial Protection investigate TitleMax 's business practices and take appropriate enforcement action, including imposing fines and penalties and requiring TitleMax to provide monetary restitution.
04/07/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	GA 30152	Web
I applied online for a personal loan through Instaloan. Never during the application process did it mention anything about needing my car title as collateral for this type of loan. They do have XXXX lienholder loans but that was not what I was applying for. The loan was approved for more than I originally applied for, The manager of the local store called to inform me that my application was approved and that I needed to bring my car title, proof of income, Id, etc. I asked why I needed my car title and was told that due to my credit score I would need to bring the title as collateral and once I made 3 months worth of payments on time they would convert the loan from a title loan to a personal loan. I made three months or so of payments on time not problem and asked about having the loan converted to a personal as we discussed originally. I was told at that time that there policy had changed and they could no longer convert my loan. I was forced to buy insurance that I 'm not entirely sure what it was for since I had to add them to my car insurance as the loss payee. The way it was explained to me they would also get paid for the loss of the vehicle should it be totalled, I got nothing from it, it benefitted no one. Everytime I would go into make a payment it was something different until I yelled and scream, at which point I was no longer made to pay for their insurance. I also discovered that I had been overcharged since the beginning of the loan, they did refund that money by applying it to the loan reducing the principle. Since then I have had to renew this loan over and over because I ca n't seem to get caught up. With interest and loan fees I seem to be stuck with no end in sight. I tried to look up the lending laws in GA in regards to title loans but the information is hard to understand. The state of GA and XXXX County says its a title pawn not a loan and therefore they have to abide by the pawnbroker law ( Pawnbroker Law ( Ga. Code 44-12-130 et ). The transaction should be treated as a " pawn, '' NOT a loan so technically I pawned my car. The law also states they can not advertise it as a loan, which they do on their website and also in their storefront locations. So what I took all this to mean is that if I fail to pay they can take my car, sell it for more than is owed and pocket the difference. While I 'm left broke with no car. Ultimately the cost of the {$2500.00} loan has far exceeded my worst-case scenario with no end in sight. If my calculations are right this expedition, has a retail book value of about {$15000.00} or more by the time all is said and done. I feel I was deceived from the start, I did n't want to pawn my car title, I wanted a personal loan. I would have never agreed to take out this loan had I known is a title pawn but was told everything would be fine ; the loan would convert to a normal personal loan and I would get my title back in three months or so of on time payments. That did n't happen and has not happened after almost 3 years after taking out this loan. Every time I have asked to have the loan converted something always prevents it from happening. Now I 'm stuck with title pawn that sold as a personal loan. I ca n't afford to lose my only means of transportation but I ca n't keep paying for a loan that 's value has far exceeded the value of the car. For all intents I could have bought a brand new car with what this loan has cost me.
01/02/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NV 89141	Web
The loan issued was from the XXXX_TitleMax branch.Prior_loans_were_also_issued_before_these_loans_occured_and_violations of_Nevada_law_have_occured_from_initial_loans_with_Title_Max. On XX/XX/XXXX I was_given XXXX original loan_for_XXXX at {$600.00}. After issuing first loan, the Title max agent admittedly told me that they issued my loan as a Class XXXX loan. The title max agent stated that I should have got vehicle at a different loan which should have been a_higher class loan. ( ClassXXXX_Loan/ $ XXXX- {$1000.00} ). After informing consumer_of_incorrect_title_loan_quote, Title max agent then issued a_XXXX loan with interest_to_fulfill_complete_quote_that_should_have_already_been_issued_to_me from_the_initial_visit. Second loan should_have_ never had interest, all_interest_should_have_been_confined_only_to_first_loan. Prior_to_issuing_title_loan, Title_Max_agent_should_have_introduced_first_loan_ and_given_the_second_loan_at_customers_request_and_also_notifying_interest_rates_only_belonging_to_XXXX_loan_instead_of_XXXX_loans. Customer_has_to_request_XXXX_loan_in_order_for_TitleMax_to_validate_and_authorize_all_title_loans_transactions.Title_Max_should_have_never_moved_forward_with_first_loan_and_consolidation_of_XXXX_loans_should_have_been_corrected and_re-issued_for_proper_loan_distribution. Title_Max_violated_Nevada_Law_and_charged_interest_rates_and_fees_for_the following_title_loans_from_XX/XX/XXXX-XX/XX/XXXX.I_did_not_educate_myself_for_the_following_N.R.S_codes_and_Nevada_Law concerning_title_loans_and_its_corresponding_laws_and_sanctions.Currently_I_ have_had_XXXX_loans_with_Title_Max_and_have_paid_extensive_fees_regarding_ XXXX_loans_and_fees_associated_with_XXXX_loans.XXXX_loans_were_given_to_me_unwillfully_and_my_acknowledgement_for_Nevada_State_law_concerning_State_law_practices_were_not_followed_accordingly_to_our_State_laws.I_submitted_a_complaint_form_to_NV._Attorney_State_General_on_XX/XX/XXXX.At_XX/XX/XXXX_I_spoke_to_Title_department_regarding_violations_of_N.R.S_codes_under_Nevada_Law.Staff_member_stated_that_Title_Max_is_currently_being_charged_for_such_violations_concerning_Nevada_law_and_unlawful_practices.Staff_member_also_directed_me_to_contact_Title_Max_regarding_the_next_steps_that_need_to_be_taken_for_complaint_to_be_resolved. Prior_to_contacting_Nevada_Attorney_State_General, I_contacted_XXXX_of_Nevada_regarding_violations_commited_from_TitleMax_and_fees_associated_with_secondary_loans.After_careful_review_XXXX_denied_my_application_for probono_legal_representation_and_did_not_move_forward_with_case_involving_fruadulent_actions_involving_my_car_title_for_XX/XX/XXXX_XXXX.Loans_were_placed_with_XXXX_loans_totaling_high_interest_rates, additional_fees_creating_a_longer_duration_for_Title_loan_payoff.These_actions_created_issues_for_loan_payoff_and_TitleMax_rendered_my_car_title_with_illegal_actions_imposed_to_my_personal_property_and_means_of_transportation.The_following_sanctions_occured_from_violations_of_title_codes.I_could_not_acquire_my_car_title_and_further_issues_have_developed_from_these_unlawful_practices_in_the_State_of_Nevada.I_called_to_update_my_contact_phone_number_and_Titlemax_customer_representative_stated_to_contact_corporate_headquarters_who_will_not_disclose_any_information_and_stated_that_they_will_reach_out_to_consumers.Three_months_have_already_passed_since_violations_occured_and_look_forward_to_a_positve_outcome.
10/30/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with the payoff process at the end of the loan	FL 331XX	Web
ISSUE Originated loan XX/XX/XXXX with InstaLoan ( Title Max ). I immediately defaulted. Made payment arrangements and started to make payments in XX/XX/XXXX. Defaulted again in XXXX. Vehicle was illegally repossessed by means of breaking entry, trespassing and vandalising property ( local police case was filed same morning ). Recovery agent unhinged and damage my 16 double gate, traveled inside property over 50 ft to get vehicle from under car port which is under the roof of house structure. Damaged tiles on floor with lift from tow truck as well. Partially hinged gate back up after he exited property. I paid vehicle off within 12 hours and they initially waived the {$400.00} recovery fee in lieu of events that transpired inside my property. I was finally able to pick up vehicle on third day and it had considerable damages to the lower front end as well one of the rear rims, the cooling fan to the radiator. I have already repaired the cooling fan to assure that is mechanically worthy ( {$550.00} ). The cosmetic repairs are pending ( another $ XXXX in damages ). All things that delineated upon pick up, including an envelope with {$3200.00} from my client that I perform XXXX services for on a weekly basis that was in the driver door. I filed a claim with XXXX XXXX who is there principal recovery service and they had assigned it locally to XXXX XXXXXXXX XXXX XXXXXXXX. The claim for damages was denied and a complete waste of time. I called to find when I would be receiving my title and they advised it would not be released without me paying the {$400.00} recovery fee that was initially waived or without my signing a Settlement Agreement, which includes a full hold harmless clause in the first 2 paragraphs. I refused naturally, but yet my account was settled in full. I have not title to my vehicle and certain that after 30 days, it will once again put me in a position of default making my vehicle and my property eligible to be target again for a recovery. The recovery agent is case being viewed as Vandalism, but the case is being reviewed as the Vandalism clearly didn't occur in my property without Breaking Entry, Tresspassing and Burglary to Occupied dwelling. UPDATE XX/XX/XXXX They coincidentally released the title six ( 6 ) days after they received the complaint. However, they never released the registration hold on the vehicle and I'm unable to renew the tag unless they submit Form 82191 to the Florida Department of Motor Vehicles at Fax ( XXXX ) XXXX or email XXXX. InstaLoan/TitleMax simply stated the transaction but NEVER addressed ANY of my grievances on the damages to my vehicle and property in their efforts to recover said vehicle. In mechanical repairs I'm already out of pocket over {$2300.00} in mechanical repairs, Six days of Work {$640.00} in wages from not being able to go to work, XXXX XXXX XXXX {$100.00}, XXXX home from the first time the vehicle left me stranded {$40.00} and this does not include the cosmetic repairs to the vehicle that are the lower spoiler, lower lip, grills and lights.They never once negotiated any remedy to my damages on the vehicle or property or any of the other losses. I was able to recooperate partial by disputing their charge with my bank account in regards to my credit transaction to release the vehicle and pick up. Only to learn that my registration is restricted, rendering my car useless as my only means of transportation.
12/20/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	FL 32301	Web
Every month I struggle to pay this loan and every month the price is different. The amount that was due on XX/XX/XXXX was {$300.00} but I was encouraged to pay {$400.00}. As of right now, I can't afford the minimum due to unforeseen circumstances right now. There's such a small amount that goes towards the principal balance and by me refinancing every month I have already paid for this loan twice already. Why am I paying for health insurance? It is included in the payment per month, I don't need that bc I have it on my job. The car insurance part I am good with that because I need it. Instaloan is such a rip-off. Why are there so many additional fees, that's why people can't pay the loan back in a timely manner? I can't pay the loan off now but at the beginning of the year, I will due to my not being able to make these monthly payments on time. Last month I was late and the lady ( manager ) told me to borrow the money from someone else. Why would she tell a customer that? I'm not trying to get out of the loan but I need more time per month to pay. I'll most definitely pay it off towards the end of the end of next month. This month it was due on XX/XX/XXXX and I haven't paid it yet. My last payment was paid on XX/XX/XXXX. Every month it seems like I get behind because I am struggling with this loan. Based on business days I am only four days late. They have called me 10 times since then. Courtesy calls are great and I understand that. That's harassment! After 10 days there's a late charge, so why are they harassing me? XX/XX/XXXX is the only month that I am late. I've had this loan for almost two years and it's driving me in a hole. I can't afford to lose my car at this time. Can someone help me with the calls and the information that I provided above? I'm not sure what else to do. When I explain my situation to her she never understands what I am going through. Her response sometimes is we all go through things. Even though she extends it, but why all of the extra words before it's done? Then I have to go all the way to the store in order to sign a paper. There should be a better way. The last month at my job has been a lot of extended hours and it's hard getting out there to do that. I can't accept any phone calls at work. Yes, that's true but everybody is different and she doesn't know what I am going through. I went through a crisis situation from XX/XX/XXXX to XX/XX/XXXX and I am still trying to bounce back off of that. Please give me some advice before it's too late. By paying this loan has added a huge amount of stress on me. The amounts that I have circled why are those charges there. The XXXX Accident & Health Insurance is {$33.00} for this month and last month it was {$33.00}. I don't need additional coverage like this due to me having it on my job. The XXXX XXXX XXXX fee this month {$13.00} and last month the fee was {$0.00}. Too many charges and no explanation as to why the charges are there. They need to explain these charges. One of the reasons why I get behind because of all of these fees are on here and the sole purpose to pay the loan off is not happening. THE DOCUMENTATION IS INCLUDED. All of their policy and procedures need to be revised because they are ripping people off. You shouldn't have to pay that much on a loan and a small amount goes to the principal. I'll never get finish paying for the loan. I'll never do a title loan again!
08/21/2023	No	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TX 75460	Web
This is the second complaint that I'm filing, as I feel title max has again pulled a fast one. I'll start by providing the first complaint number which is XXXX. I believe that was submitted in XXXX XXXX. I was hoping that by doing so I would've received my title back since by this point I had paid the loan amount back multiple times over.. To my dismay, title max wasn't going to let my title go that easy.. After submitting the previous complaint, I patiently waited for a response from title max and a proposal of what could/would need to be done in order to obtain my title. They verbally informed me what the agreement would consist of but to this day they have yet to give me a physical copy of anything. I vaguely remember the terms of the agreement, as I can not recall exact dollar amounts or dates. I requested a copy of the new agreement multiple times as well as some sort of receipt showing all of my previous payments made. When I went into my local office to make the first payment I again asked for a copy of these documents. I was told they would get them to me as soon as possible. I was sure to leave my wife 's phone number with them as my primary contact number as my phone was getting shut off so I could be contacted as soon as these documents were to be available. I couldn't even tell you the exact date and payment amount that I made because I was never given a substantial receipt, as the amount on the " receipt '' they provided at the time does not have this information. I was under the impression I had up to but no longer than 6 months to pay the new dollar amount in either one lump sum payment or in three payments. I decided three payments would be the best option. Now I had hoped to have all three payments made in a short period of time, in order to get my title back and just be done with all of this.. ideally 30-60 days but if I was unable to do so I was under the impression it was not required to have all three payments made in this time span, again I was thinking I had 6 months. 37 days after making my first payment my truck was repossessed without any type of warning. Never was I contacted by TitleMax, never did they give me the documents I requested multiple times over. Now after contacting them today to try and figure out and understand what the heck just happened I am informed I will have to pay {$790.00} to get my truck back and an additional {$2000.00} something dollars to get my title. They said our previous agreement made after filing the previous complaint is now void because I didn't hold up my end of the bargain. Well since I was never given a physical copy of this agreement/contract and was never notified by phone, mail, email or any other way I didn't realize I was breaking any agreements. I asked them why I was never contacted and their answer to that was they were unable to contact me because I was in legal. After asking what exactly that meant multiple times I still couldn't tell you because they refused to give me this information. Instead they gave me a phone number to call. This phone number was for a different part of their company or something who in turn just transferred me back to my local office. For whatever reason I can't seem to get answers to any of my questions, no one can ever provide me with the documents I request. I'm frustrated beyond belief and asking again for your help. Thank you kindly, XXXX XXXX
10/12/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Problem with the payoff process at the end of the loan	GA 30291	Web
Attn ; To whom this notice may concern last XXXX I applied for a loan with title max located XXXX XXXX XXXX XXXX XXXX, GA XXXX tele phone number XXXX due to a financial hardship last winter that caused me to have to get some unexpected repairs to my home. I applied for the loan and was initially approved for {$1000.00} the initial renewal payment was XXXX interest only non applying toward the principal balance a was to continue at 119 %. I will admit I was caught in an unexpected emergency and intended on paying off this short term loan before now as more life events took place I have I was not able to pay the loan off as early as I expected resulting in title max XXXX more of those loan shark interest payments totaling XXXX just in interest what a costly mistake on my part however it dose not give title max the right to take advantage of consumers with their unethical business and practice lending policy 's the have a legal loop hole the truth " Predatory Lending '' at it's best as of XX/XX/XXXX my vehicle was involved in a " Total Loss Accident '' Due to a negligent driver who rear ended me while i was sitting still at a stop light the vehicle is more than fifteen years old. I contacted title max to negotiate a final settlement to shake had and part ways with the crooks so the insurance company could finalize the claim title max refused the offer of {$1300.00} I offered to settle this account in full berceuse if you do the number {$1700.00} in total interest only payments plus the initial settlement offer of {$1300.00} is equivalent to {$3100.00} for a XXXX XXXX XXXX in which the insurance company deemed totaled because the repairs where very costly as a consumer I feel the laws regarding title loans need to change to prevent consumers from being victim 's of predatory lending a lesson learned by me not to ever do business with a predatory lender such as title max not to mention these loans are geared XXXX the underpaid workers and underserved XXXX and consumers they are uneducated in certain ethic back grounds assuming they are liberate that's my option its time for the CFPB and state regulators to review these dirt bags as they did in XXXX when the Housing market crashed and the Dodd Frank Law was enacted to protect consumers from shady and unethical practice in the mortgage industry. I have spoke with Title Max they want XXXX to pay the loan off in which is insane. I understand I signed an agreement to repay these shysters with no compassion for the consumer in the event they loss their vehicle in a total loss wreck due to another divers negligence thorough no fault of their own. I spoke with XXXX the representative from title max who denied the settlement offer for the additional {$1300.00} I also believe my ethnicity had a role in this also and I also feel that they would have offer someone they felt had knowledge of their lending tactics a fair settlement. I will never ever get my self in a jam like this again lesion learned I hate im carless and ripped off this is my initial complaint that will be submitted to the XXXX and other agency 's as well so consumers can be made aware that predatory lending still exist so they can be informed about shyster lender like this and to make an informed decision before signing any document 's or trying to figure out an alternitve option.I plan make this puplic.
05/12/2022	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	AZ 85716	Web
In reference to previous compliant XXXX I received the response from the Lender and lets just keep in mind the unprofessionalism from the XXXX XXXX XXXX XXXX XXXX As she stated being condescending that I enjoyed the benefits of the funds borrowed. How can she have attested to something she has no knowledge of. As everything stated is a lie how can she say what I enjoyed or, didn't enjoy because, the entire reason I took the loan was to prevent myself from losing my car because, it was not currently registered, which is one of the requirements of being able to take out a loan along with having some short of income in which, I did not have another reason the loan was taken out. The response states, I attested to receiving {$2600.00} monthly if that was correct, I would not have needed a loan. The question asked was if I received any form of income, I stated none at all that I was waiting on back pay from Unemployment a/nd if I was receiving unemployment the amount I would receive would be {$110.00} a week x XXXX = {$460.00} a month so where does {$2100.00} come from if I'm not employed and caring for a ill spouse with a XXXX XXXX and a XXXX all in which the employee XXXX XXXX was aware of. I never seen a contract and when constantly asked to be provide with one its accessible online obliviously not if I reach out for the assistance to retrieve it. I went prior to having my car taken to get assistance with paying the loan to prevent this from happening and XXXX was reluctant to provide that information as has everyone else I have spoken to. Nobody wants to acknowledge the wrong in this and the lies are ridiculous as XXXX XXXX attested to that my car was taken on the XXXX XXXX XXXX and that's also incorrect my car was taken on XX/XX/XXXX It also doesn't address the fact I was told to come up with the full balance on XX/XX/XXXX by the district manager because I said I sure damaged was cause by the way my car was drugged out my yard. I filled no claims on damages because, I have not seen my car since XX/XX/XXXX Me making a statement vs filing a claim are two different things. I have not been provided any assistance but, ridiculed for taking the loan or, attesting to things that are not correct and going off the lies of the employee to save face of the company for the error in which my loan was handled. I have made several attempts to reach out to corporate the store where the loans was taken and nothing no help. The response to my compliant is to reach out to the store to speak with the district manager when he does not return my calls. I feel like this is purposely being done to prevent me from retrieving my car as it is retaliation for contacting corporate on all employees involved. I was told XX/XX/XXXX my car would be sold. I did not see this response until today because, i thought my car had been sold and it was hard already struggling to get my basic needs met and didn't want to be ridiculed anymore and to see this and it be complete lies is not right. Nobody contacted me or, sent a letter something so I was aware of what has and is going on with my car has not been made. Also today XX/XX/XXXX States on the login site for Titlemax that I do not have an activate account and have no access to a contract. I should still have access to my documents in which I don't.
08/29/2023	No	Payday loan, title loan, personal loan, or advance loan Pawn loan	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	GA 30135	Web	Servicemember
Monday, XX/XX/XXXX, I applied for a loan with XXXX XXXX XXXX to pay off the Title Max title pawn principal loan amount of {$4500.00} as I borrowed {$4000.00} with an additional lien filing fee of {$18.00} against my XXXX XXXX XXXX. This Title Max of Georgia store is located at XXXX XXXX XXXX, XXXX, Georgia XXXX. The prospective lender, XXXX XXXX XXXX, representative, XXXX, called me to ask if he had the correct vin number for the truck. I provided it again. He ( XXXX ) called back Wednesday, XX/XX/XXXX, and said there was no lien in the system for the truck. XXXX XXXX XXXX is unable to process my loan application without the lien being in the system. I called Title Max on Wednesday, XX/XX/XXXX, and XXXX answered the phone. I explained that I was in the process of obtaining a new loan to pay off Title Max before the end of the month. I further stated that the potential new lender is unable to find the lien against the truck in the system and that lien is needed to process my loan application. XXXX stated that XXXX would know the status of the lien and was out of the office but returning on Thursday, XX/XX/XXXX. XXXX stated that she will call me once she has an answer. I went in person to the Title Max at XXXX XXXX XXXX in XXXX, GA in the afternoon on Thursday, XX/XX/XXXX. XXXX was sitting at her desk available. XXXX had a customer had her desk. I asked XXXX if she found out the status of the lien against the truck. XXXX stated that their office was busy, and she ( XXXX ) will get with XXXX. and call me with an answer. XXXX asked what type of pay-off did the potential lender want? I answered that I did not know. She asked for a contact. I gave her XXXX at ( XXXX ) XXXX. She said she would call me once she has an answer. I returned to the office in person Saturday, XX/XX/XXXX. XXXX stated that she still did not know about the lien/title status. She said maybe a vin number was input incorrectly and the lien was assigned to another Title Max location. She said she called XXXX, but he has not returned her call. I iterated that I want to proceed with the loan process to pay off their offices before end of month XXXX. She said again that she would call. Monday morning XX/XX/XXXX, XXXX called around XXXX XXXX and told me he spoke with XXXX. He said that XXXX told him that when the loan was issued by Title Max, they ( Title Max ) did not get my husband 's permission and or signature on the loan paperwork. This pawn loan was done in XX/XX/XXXX. Title Max never ever called to this date XX/XX/XXXX, to say that my husband 's permission/signature was needed on the pawn loan. I always received the monthly call and text informing that the loan renewal fee was due. Nothing else. No one from Title Max ever called or returned my inquiry as XXXX had stated she would. I drafted and sent a certified letter to Title Max XX/XX/XXXX, copying XXXX XXXX, the owner and CEO as well as the Georgia State Attorney General. I have called law offices and countless agencies to get advice. My resolution : Title Max file the lien so I may obtain a loan to pay off the principal amount of {$4500.00}. To date they have received {$4600.00} in fees. I am trying to pay this off and need the lien filed. I need assistance please.
08/05/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AL 366XX	Web
I took out a title loan on a vehicle in late XXXX. I'd recently had a surgical procedure and was out of work for a few months. After being unable to make my monthly mortgage payments I was forced to take out a loan on my car to cover the mortgage. I'd paid off the note and had clear title and was able to get a title loan with Titlemax of Alabama in the amount of {$7100.00}. The money was dispersed to me in cash and I was to make monthly payments in the amount of XXXX plus late fees and interest that accrued daily. I worked a demanding job with long hours and didn't always have time to arrange for the note to be paid and some months, having other financial obligations, and with the interest being so high, I wasn't able to make the payment until I'd been able to save up enough money. The title company would only accept payment in full and wouldn't accept partial payments. There were many months I paid in excess of XXXX for the monthly note after interest and late fees. I was working out of town and the title company required the note to be paid in person so this created a problem too. I'd left the car in XXXX with my youngest son who needed transportation and transferred money into his bank account so that he could make the payment. This went on for several years. Eventually, the title company had an app and I was able to make the monthly payments on line. After several years of making payments and no progress towards the outstanding balance, I approached the title company in XXXX of XXXX and asked if they'd be willing to renegotiate the loan or offer a settlement agreement. My rep at the title company, XXXX XXXX, said he'd run it by his superiors and see if any help could be offered. After calling back and forth for a few weeks, I was finally able to hear back from him. He was unable to offer a settlement but agreed to waive the payments for a few months. In the late spring of XXXX I was able to contact another finance company, XXXX XXXX XXXX, and after submitting an application was approved for a new loan at a lesser interest rate than I had with Titlemax. I again contacted Titlemax and informed them of the offer with XXXX XXXX and asked if they'd reconsider settling the note. After some discussion, this was approved and I was able to refinance the note in XX/XX/XXXX. When I closed out the note with Titlemax, I'd made no progress whatsoever against the outstanding balance. I think this is an unfair lending practice. Ive paid on this vehicle for five years and now have a new note with an additional 18 months of payments. The car is a XXXX XXXX XXXX VIN # XXXX and is no longer even in operation. It is parked and I've surrendered the tag yet am still making payments despite being unemployed. The original note was held by Titlemax in XXXX at the XXXX XXXX and XXXX XXXX. location. The pawn transaction # was XXXX. The new note is through XXXX XXXX on XXXX XXXX XXXX XXXX. XXXX in XXXX loan # XXXX. At this point I don't know what compensation either lending company could offer but I think legal action is necessary. This note was originally issued to me under the name of XXXX XXXX. I've since taken back a maiden name and my legal name of XXXX XXXX XXXX is now reflected on this complaint.
11/23/2020	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	MO 630XX	Web
I am a consumer and I took out a loan with titlemax back in XX/XX/XXXX at the titlemax in XXXX XXXX. In XXXX I received a letter from the president of Titlemax XXXX XXXX stating that due to the pandemic to help out its customers they have stopped at involuntary collection of vehicles as well as additional fees if you were to fall behind. I explained to the general manager of the store starting in XXXX that my husband was furloughed and we were doing our best to make the payments and because the account was still occurring interest I was able to only Pay as much as I could. Last week around the beginning to middle of XXXX I was working with the general manager named XXXX XXXX. He stated that because the account was passed due it might have been in my better interest to either pay the account in full of XXXX or pay the passed due to XXXX. I explained that I got paid on weds XX/XX/XXXX and I would be calling to make that payment in full. Long story short he was fired and let go from titlemax and in the mean time I contracted XXXX XXXX. I was hospitalized and titlemax kept continuing to contact me but I was unable to call them back. I get out of the hospital this past Friday to find that they have repossessed my vehicle while I was out of state in Missouri where I now am residing. I was able to locate the vehicle with the company who resposesssd it and I found out that titlemax moves very quickly with the auction process and gives the consumers very little time to get the car back. With being closed on weekends and the upcoming holiday being right after I get paid it means I would have to drive to Illinois where they move the vehicle to ( the auction lot ) 2 days after picking it up and I would have to at the earliest get the vehicle on Monday the XXXX because the vehicle will be auctioned on XXXX. None the less as a consumer I thought I was protected, here I just spoke with the general manager, I have a letter saying that they are not repossessing and here I am sick. They put the driver at risk who picked up the vehicle because they exposed them to XXXX and here I am also without a vehicle and in more of a financial mess because I am having to fork out hundreds of dollars more just to get my car back and prevent it from being auctioned off. Consumers need to know and know that just because you get this email you are not protected. What you are told and what you rely on is not the truth and they are very shady. When contacting the company I was told they will not talk to me, when I mentioned an attorney they put a gag order on my account. Something needs to be done. When I contacted an attorney I was told this would fall under UDAP under a violation of the FTC. I was told by the store that they resumed repossession collections about a month and a half ago, yet they did not tell consumers nor did they give a right to cure letter or ever tell me Im at risk. This is very deceptive and it shows their intent but convincing consumers they have time and their protected so they fall behind and the company makes money by collecting their vehicles and making them pay outrageous amounts to get the vehicle back or they lose them. Something needs to be done and the public needs to know about this.
01/17/2020	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	CA 90601	Web
'TittleMax '' a tittle loan company has ruined my peace of mind. On XXXX XXXX I obtained a tittle loan for the amount of {$2600.00} from a manager name XXXX XXXX located in XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. At the time of the loan I was happy XXXX even had me write a positive review on XXXX on how he helped me obtain a loan. He also had me write a letter in how " TittleMax '' helped, because according to him the state were trying to remove tittle loan companies from California so he needed a letter from me. I obtained the loan and I was given a monthly amount to pay back for the amount of {$360.00}, never did XXXX mentioned that i needed to pay the loan within 30 days instead he made it easy and gave me a monthly installment. That day a couple came in the store and had cash. XXXX told me " You see that, like that you have to pay as soon as possible ''. Never did i heard the 30 days. Well i started paying a lot of money but at the time of the loan i was doing 'XXXX ''. After a few months XXXX no longer accepted my vehicle because it needed a lot of work. I fell a little behind but i noticed my principal wasn't going down. I didnt comprehend the loan or the interest. On XXXX XXXX a towing company pulled up my driveway and a man screamed " Tittlemax ''. Never have I been so humiliated and embarrassed in my life, this man was so loud the neighbors came out. I politely knew and just gave him the keys and asked him to leave. This towing company invaded my privacy and not only that!. They stole from me. I recovered my vehicle because I needed it for my little kids XXXX with XXXX and they knew it. At the time of the first repossession I had an arrangement with them and they still came to pick it up and not only that they also called my mother, my sister and my brother in law. Why would they call my siblings? if i wanted them to know I would have asked them for a loan instead don't you think? I was crying of so much anger the day. When I recovered my vehicle i noticed the most important items were missing. A gift card and a woman perfume that was given for mothers day worth {$200.00} This i told XXXX and he said he was sorry but there was nothing he can do. The towing company " XXXX XXXX XXXX ''. just like Tittlemax a total scam. They never pick up. Tittlemax also has a customer service complaint number which they never answer. I have already paid so much money to " Tittlemax ''. I paid them over {$5000.00} and they still took my vehicle. Last week a towing company came like thieves in the night and took it. They didn't even bothered to ask me for the keys. It is disgusting and unbelievable that these type of practices are allowed. All the nice reviews from XXXX are from people that obtained a loan that day and were asked just like me. What about all the complaints from XXXX?. I feel mentally sick and robed by this company they took thousands of dollars from me and invaded my privacy by calling my siblings. They had no reason to call my family i was always in contact with them. I cant find another word that best describes these people, They must so hungry to harass customers with these disgusting practices. How do you guys sleep at night? Is the food you eat delicious? Thieves!!
12/06/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Was approved for a loan, but didn't receive money	NV XXXXX	Web
On XX/XX/2023, I, acting in the representative capacity to my assigned federal agencies social security number, federal account, applied for a title loan with Titlemax, however Titlemax did not provide any consideration for the transaction out of its own capital. Titlemax simply prepared and serviced my assigned federal agencies social security number, federal account, collateral security procurement promissory note ( Note ) through a special purpose vehicle transaction account using XXXX. I issued and signed this Note, not understanding at the time that the Certificate of Title to my automobile is NOT actually the collateral in this transaction, the Note is, but Titlemax did not provide full disclosure of its intentions to use and capitalize from my financial asset security that I issued. Titlemax did also misrepresent my assigned SSN, federal account to be my personal identification, instead of what it shall be used for, as an account to register debits and credits, pursuant to Executive Order 9397. During the process of signing paperwork, Titlemax employees did not allow me to give a qualified endorsement, and I believe Titlemax is attempting to embezzle my proceeds claiming ownership of the Note, due to the blank endorsement I was forced to give, causing a detriment to me and allowing unjust enrichment to Titlemax. I, being the authorized representative to federal agencies social security number, federal account, hold legal title and contractual rights to the full faith and credit guaranty of the United States established by verification of my assigned SSN federal account. Whereas being an authorized representative, I did fulfill my duty to create and provide to Titlemax the debtors security agreement within 20 days, which confirmed the collateral to be the Note, granted TitleMax a security interest to be the secured party after confirming my ownership interest, and directing them to file the UCC1 Financing Statement, giving the Obligor State notice of the security interest that was granted. I also informed Titlemax to sell the Note, before default occurs, and for the proceeds of the sale to be applied to the account, and the surplus to be returned to the debtor representative. On XX/XX/XXXX, Titlemax representative ( XXXX ) did confirm receipt of the security agreement, but informed me that the legal department has not processed the document I provided. She informed me that the legal department will be in contact with me, but it has been over 45 days since receipt of the security agreement and Titlemax has yet to file the UCC1 Financing Statement giving public notice to the Obligor State that with respect to an obligation secured by the security interest in the collateral, owes payment of the obligation and shall provide a security certificate to attach to the collateral security procurement promissory note to secure payment. Titlemax is using deceptive acts claiming this debt to be my liability and demanding payment, threatening to repossess my automobile and allowing interest to continue to accrue daily, when the face value and interest from my assigned federal agencies SSN federal account, financial asset did fund the entire transaction!!!!
10/31/2019	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	MO 652XX	Web	Older American
We are with XXXX XXXX XXXX and had a member come us because she had signed loan doc on XX/XX/XXXXat Title Max for a {$3000.00} loan @ a rate 166.23 %. Luckily, we caught it before she deposited the funds. We were able to review her loan documents she signed and found that she had 24 hrs to cancel the loan and return the proceeds to cancel the loan and owe nothing. We had her sign a financial power of attorney naming us as her attorney-in-fact so that we could return the funds on hef behalf so that they could not try to convince her into keeping the loan. We showed up at the title loan company to present the POA, checks and original loan docs given to her and asked for the title back. The front desk employee stated that he would have to get his manager because he didn't know how to do that, the women came out from the back and immediately began to yell at the employee for having us stand at the desk. After she reviewed what we brought we were told by the General Manager, XXXX that she wasn't able to accept our POA even thou it clearly stated that we had the authority to act on her behalf in regard to all banking, lending and assets owned. She proceeded to tell us that she was going to have to call her corporate office to get approval and that it was going to take several hours. We stated that we would wait. After a long wait, she came back and said corp refused the document and XXXX would be required to be there herself. At no point did she ever ask anyone for any identification, otherwise the employee that was named on the POA could have provided proof she was with XXXX XXXX XXXX. We said fine and left, in the meantime we call the member asked her to meet us back there and ran one of our employees back to the office as they had to leave for the day. The other employee came back to meet XXXX so that she had support and knew her rights as a consumer to turn this in and demand the title back and since they had informed us they were not going to honor the POA it didn't matter that she had no ID on her that could associate herself with our organization ( hired 3 weeks ago, so no business cards yet ) she was there strictly as support. When XXXX ( XXXX employee ) arrived back at the Title company, XXXX immediately went to the back to hide and another greeter her. XXXX asked to just let XXXX know she was waiting for XXXX to come and had a seat in their lobby. Meanwhile I guess XXXX decided to call the police department for whatever reason. Police showed up and asked XXXX to leave the property because of whatever compliant XXXX called them about. Meanwhile our member was left to fend against this woman that was obviously very upset over losing this loan. She kept XXXX for a while before finally giving her back her title and paperwork. As a FI that is HEAVILY regulated it continues to amaze me how these types of business can operate. A {$3000.00} that was going to cost her {$15000.00} to payback and people wonder why our country is in the condition it is in. Who is looking out for these people ... and those of us that are trying to can have the police called and escorted off property? Please, please do something to help put these types of crooks out of business.
03/11/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	WA 984XX	Web
I applied for a personal loan at one loan place.com I was contacted by XXXX lenders. The first two denied me credit. The third one contacted me by phone, had all my information from this website. They instantly issued me approval for double what I was looking for. Initially they wanted me to pay back the loan in 7 months resulting in higher payment. I wanted lower payment or 36 month term. Their response was is n't your left over income x. You can afford higher payment, right? This was email from them This is to inform you that the loan application has been approved for a loan amount of {$4000.00} at flat 12 % interest rate with flexible repayment options Loan Amount : {$4000.00} Interest Rate : 12 % Loan Term : 2 years Monthly Installment : {$180.00} Total Payback : {$4500.00} Security Deposit : {$0.00} Loan Processing Fee : $ XXXX If you wish to proceed further and take this loan today itself then please read the quotations mentioned in this email and then call our loan officer for standard verification procedure at ( XXXX ) XXXX and follow the verification protocols explained by our loan officer. Please note that this is a preapproved unsecured personal loan on lower interest rates offered only to selected applicants WITHOUT CONSIDERING THEIR PRESENT CREDIT SCORES. Please Note : - 1.PLEASE DO NOT SHARE YOUR CREDIT / DEBIT CARD DETAILS WITH ANYONE. 2.PLEASE BE READY WITH THE REQUIRED DOCUMENTATION ( PHOTO IDENTIFICATION PROOF AND CURRENT ADDRESS PROOF ) AS DISCUSSED WITH YOUR ADVISOR. 3.ORIGINAL AGREEMENT PERSONALIZED FOR YOU WILL BE SENT TO YOU AFTER THE FINAL TRANSACTION IS DONE. REMEMBER YOU DO N'T NEED TO PAY ANYTHING IN ORDER TO TAKE THIS LOAN NOTE : LOAN APPROVAL CODE mentioned in this email is highly confidential ; therefore you are advised not to share it with anyone apart from our loan officer available only on ( XXXX ) XXXX. Thank you, Have a Blessed Day Instaloans Express XXXX XXXX Tel : ( XXXX ) XXXX ( ext. XXXX ) I was then told I needed to get gift card to prove I can make monthly payments. All they needed was receipt. Here is their email response when I asked if she could email her requirements. she had to get manager approval This is to bring your kind notice that your loan application has been approved now. As you know your credit score is not that good therefore we just have to ansure your lender that however your credit score is poor but still you are capable enough to pay your monthly payment on time. For this you just have to reserved your first monthly payment in the form of gift card and send us the receipt of that gift card as a proof that you bought card and reloaded your first monthly payment. As soon as we received your email then within next 30 mins you will get your funds in your account. Thanks, XXXX XXXX Manager - Accounts Department XXXX XXXX XXXX conversation with XXXX XXXX she told me her company was in XXXX XXXX, then she gave me another website in XXXX. You could tell XXXX not her first language, hard to understand at times. I did give them my bank account information and copy of my drivers license which now I am worried about. Probably good my credit is poor right now.
06/09/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	FL 33458	Web
" Instantloan '' located at XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX, Phone # XXXX XXXX XXXX, Office contact : XXXX I was attempting from my home in XXXX, Texas to assist a young friend in Florida obtain a loa from this company. He indicated he had borrowed from them before. Apparently he still had a balance due before he could obtain a new loan. I paid off the amount of his old loan as stated by " XXXX '' the office agent. She stated that in order for him to obtain his loan for XXXX he needed to send them {$650.00} " assurance money '' that he would not run off with the loan and not pay. This made little sense to me, but I sent her the {$650.00}. The loan was to have been processed that day, XX/XX/2019. However it was not. The {$650.00} was to have been returned within two days when the loan funded or if it did not fund. I have been attempting to obtain this money from " Instantloan '' ever since, but am told repeatedly, by text message, since no one answers the phone at this company, that the it has been sent to the main company and it will take time to return it. It has now been nearly two weeks and no money has been returned to me or to XXXX, and no loan has been funded for XXXX XXXX. Since that time, the information coming from " XXXX '' at this company has changed daily, and sometimes several times daily. Apparently, she has no control locally and has to send everything in to someone else who then relays information back to her. When the XXXX loan did not go through she said she could start a new loan process but I would have to send in an additional {$350.00} to assure it would process that day. Reluctantly, I did. Then she discovered, after having assured me the loan would fund that day, XXXX still had a balance for a prior loan of {$350.00} that was keeping the loan from funding. I instructed them to pay that balance with the additional {$350.00} I has sent. They refused to do this. As a result on my instruction, XXXX told them to discontinue his loan application and to return my {$650.00}, and my {$350.00}, " loan assurance payments. From that point forward, both XXXX and I have been unable to obtain a response from this company. They do not answer the phone, and now will not respond by text message. XXXX was desperately in need of this loan, and lives XXXX miles away, with no transportation to go back and forth to speak with them in person. I am in XXXX, XXXX miles away. I have sent multiple messages and I have called repeatedly trying to get this company to honor its word to return my money. They do not respond. Initially, the clerk there, named " XXXX '' misrepresnted her company as being named " Instaloan, '' which is a true and legitimate loan company in XXXX XXXX, Florida, located on XXXX XXXX. When things began to appear a " step off, '' I called Instaloan to ask if she worked there. They indicated she did not. I caught her in a lie, misrepresenting her company with a " sound alike '' name of a legitimate company and reported this to Instaloan. Is there anything that can be done to have my money returned. Their refusal to return it has caused serious hardship to both XXXX XXXX and to me.
03/03/2020	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	NJ 08096	Web
I was a victim of predatory lending and illegal collection actions for a loan they shouldnt have given me in the first place. No one asked for pay stubs and said I didnt need to provide them. They gave me more money but raised the interest rate astronomical! I got an attorney who emailed and called them at the corporate office and to the local office repeatedly and no one would return his calls/emails. When I called the person from Title Max at their direct number on their email I received a tone that the number is invalid. My attorney spoke to the manager at the local branch where I obtained the loan and the manager told him he would be willing to work out a settlement but I had to make 2 payments first. I made those payments immediately, but then Title Max refused to take or return my attorney 's calls. I am constantly being harrassed by Title Max calling daily, sometimes multiple times per day. I spoked to " XXXX '' who kept leaving me messages and advised her the manager knows I have an attorney and he spoke to him, so she shouldnt be calling me. She told me it doesnt matter that I have an attorney and she will keep calling regardless! I know someone who used to be a manager at TitleMax and the stories she tells me about the shady practices the have are scary. She has had to wrote off so many loans because of mistakes they make catching up to them, such as not getting paystubs to see if the borrower qualifies by lending money. She also advised that not the repo man, but people working at a desk will arrange to have someone's car picked up and they will flip the title into their name to keep vehicles for themselves or will sell it quickly! This is theft and beyond mindblowing that they do this! As I said, as a manager, she was witness to this happening and the process of it changing owners on the title happens really quick. If they do this to me I will never see my car again! The corporate office refused to return my attorney 's calls and emails even after he advised their legal deparement that he needs a response because he had serious concerns with their collection and predatory lending practices. He has been in touch with the US Attorney General and will file an action against them if they don't respond. Still, to date no response from Title Max. This has been going on since XXXX. Given the fact that I have already paid several thousands of dollars in interest above and beyond the original loan amount on a loan they never even required paystubs to see if I qualified for, the radiculous interest rate I was given, the harrassing phone calls that I constantly receive even though they know I have an attorney they have emails and letter of representation from, shady practices they do and any number of reasons I can name, I feel they should cut their losses, void the loan and return my title to avoid litigation. As I mentioned, my attorney has been in contact with the US attorney General regarding filing an action against Title Max. We don't want to do that, but we may have no other choice if he can not get a response from them. I am filing a complaint with the XXXX simultaneously and FTC as well.
01/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 38242	Web
I have a titlemax loan with the office in XXXX tn. I am current. I am not behind in my payments at all. However every single month since I took the loan they are calling from the time they open even days before my scheduled payment date. They are expecting and telling me make my payment right now. Within a matter of a day or two I am then being automatically threatened with your. At is what you put up am well take it. I only use my cell phone and my call log keeps track of all the times they call. Just since yesterday they have already called twice each day. Tonight I had the girl there demand I be at the office tomorrow. Told her I have a XXXX appointment and she copped an attitude be a use I had a drs apt . I had also asked are you going to keep blowing up my phone everyday like you have done every month since and she said well you was suppose to pay this already by XX/XX/XXXX and we are to call you. I told her that all they are doing is harassing me no. Stop and this was wrong and that I was going to report them. Told her because of holidays everything is running late and I 'm starting do do my bills now. She said well your social security was there on XX/XX/XXXX and I should have paid on that day. I told her it 's all been a long holiday weekend and I 'm doing all now and that I was a little short and had exactly XXXX on my card and you refuse short payments and cop attitudes if not all payment so I will have my payment because of money coming in. She again copped an attitude. I hung up and tried to look up cooperate # and she called and interrupted me using my phone to search for that number 3 times. I ignored call n had to start search again. Now I 'm reporting here because I 'm sure first thing again in morning they going to start bright and early blowing up my phone. This is beyond harassment every month. This is out right blaitened ignorance as well as bullying not to mention it goes right to the threat of taking the car. I have never ever in my life and I 'm XXXX now been so aggrivated and pushed to extreme anxiety from any company. Not even my mortgage company when I was way behind. And here I am it 's just a matter of a. Ouple of days past the due date and am otherwise completely current. Last month I was a cidently XXXX $ short and omg the calls demanding me to drive an hr and give them {$1.00} and then you better XXXX XXXX the {$1.00} .... Plus get. Barged {$16.00} I did n't even have. This office is out of control and in no way shape or form is conducting business in any form of a respectful way. If anything.g I would compare them to loan sharks and the loan shRks are better at conducting business. I am beyond utterlly Fed up. Also one additional thing. I have told them that I ca n't drive my car right now because the exhaust busted off and I. ant even fi. That because I 'm paying them but yet they still demand me to go there. So how am I to do that pay a cab $ XXXX.round trip to say hey now I ca n't pay because you wanted me here so here I am but the cab wanted their money. I ca n't win with this place. I will be making sure every single. All is in my log that 's for sure ....
02/10/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 310XX	Web
To Whom it may concern my name is XXXX XXXX I got a loan from a Payday/Installment Business Place in XXXX GA. When I took the loan out 3 mos ago they told me that it was an Personal installment loan and i agreed i didnt have to put any of my stuff up the man behind the counter told me he already took care of that. I asked him and he showed me a paper of many items on a list I told him that I dont own any of that and he told me dont worry that he makes up paper work all the time so he told me my XXXX XXXX payment will be around {$70.00} dollars because I am on SSI check I get once a month. I get {$680.00} to live on a month for myself and my younger son. I went into pay my XXXX payment and since i was 1 day early I had to pay a fee of {$110.00} that upset me I asked the lady where that man was that took my loan app. And she said that he is not with the company anymore so they moved me from a installment loan to a XXXX payday loan how could they do that without telling me until the last minute this is very wrong I could not pay {$700.00} back to them so the lady told me that she will keep my payments low. On XXXX XXXX XXXX I called Insta Loan in XXXX Ga, and told them that I am sending a friend in to pay my payment of {$70.00} I told them I was sending a little extra of {$80.00} dollars The lady was very very rude to me she said that since I was paying early that I had to pay {$90.00} and if I didnt pay that it will cost me each day of being late {$35.00} dollars. They have called me everyday for 10 days now and told me that I have no rights. They called me day and night and even on there own cellphones I asked XXXX XXXX the management why do they call me from their personal cellphone she said that is what they have to do. I called then yesterday XXXX XXXX XXXX and the lady at Insta Loan told me that if I did have {$200.00} she was so rude to My nervers are falling apart what can I do I am being charged double then I borrowed this is so wrong they are treating me like I am dirt. Today is XXXX XXXX XXXX I owe a payment of {$250.00} I could only pay {$100.00} dollars and I am afraid to go to the Insta Loan knowing that they will treat me very ugly.I offered to come into the Insta Loan office and they keep putting me off they refused to give me my original copy of my contract and I told them on XXXX XXXX XXXX that I was going to be in on Monday, XXXX XXXX to pay them {$80.00}. They keep putting me off I said to them if they did n't want me to come in on Monday that I will be there Tuesday XXXX XXXX. The Management XXXX XXXX told me not to come until Wednesday or Thursday.Today is Wednesday XXXX XXXX, XXXX, I called Insta Loan to find out what time would be best to come into Insta Loan on Thursday XXXX XXXX, They moved the date to today and then again my pay was supposed to be {$80.00} dollars now they raised it to {$85.00}. This is awful this company lies.. I had to sign some papers and they could change my original contract.My Nerves bad due to this company hassling me. Insta Loan ,XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank You.
05/05/2017	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	FL 33614	Web	Older American
On Sunday , XX/XX/XXXX m y son, XXXX XXXX called and confessed that he had accepted a " predatory '' loan on XX/XX/XXXX and he begged me to pay it off. After reading the loan documents and speaking with the local representative at TitleMax ( XXXX XXXX XXXX , XXXX , Texas XXXX ) on Monday, XX/XX/XXXX at XXXX . I told my son I would pay off his debt. I again called the local representative and was given the pay-off amount ( {$440.00} in interest and fees plus {$2900.00} in principal ). I also confirmed that this amount was due on XX/XX/17 and would not change regardless of when it was paid. Therefore, I determined to pay it on or just prior to the due date. On Friday , XX/XX/XXXX at XXXX I again spoke to a local representative to see how I could make payment. I was informed that credit cards or wire transfers were not allowed. I explained that I was located in Florida and preferred to make the payment directly to TitleMax and not through my son. She informed me they would accept a debit card. I asked if I could use my corporate debit and she explained it needed to be a personal account. She said my son needed to be there in person to authorize me to pay off the account. I was good with this and transferred sufficient funds the next week to complete the transaction. I decided to have my son go a day early " just in case ''. He was at their office today ( X/XX/17 ) about XXXX est. H e called and passed the phone to a manager named XXXX . She explained that I had been misinformed and they would not accept a debit card over the phone. In addition, the payment had to be made from an account with his name even though we have the same last name and he had given me permission in person to pay. They ( XXXX and XXXX - the managers ) suggested I wire funds to him ; however, by that time he might not receive good funds until the next day and I was already suspicious of their operation. Of course, I would also have to pay bank fees, which I was avoiding. It appeared to me they were creating obstacles to the pay off. I told XXXX I intended to report this incident to the CFPB and asked her to provide ( email me ) a written explanation of their pay off policy. She refused, saying they did n't have one. I then asked if she would mind if I recorded our conversation and her description of the policy. She said OK, but then gave the phone back to my son. So this is a nefarious operation that charges ridiculous fees/interest for loans and THEN makes it difficult to pay the loan in full, even when you try to pay. I believe they do this to trap people. If you find another lender ( private or institutional ) willing to issue a loan on better terms ( say you got a new higher paying job or better credit score ), it is impossible, based on their stated terms, for this loan to be paid by said lender, who would need to receive collateral ( title ) concurrently with disbursement. The borrower is trapped unless they can raise the cash separately. Luckily for my son, I have the cash and did not require title or collateral.
03/03/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	AL 350XX	Web	Older American
Titlemax Complaint I am filing this complaint to expose the retaliatory treatment that I am receiving from Titlemax which has caused me a great hardship. Hopefully, this letter will initiate an investigation and help other victims that are affected and helpless and subjected to Titlemax inconsistent and retaliatory behavior. On XX/XX/XXXX, I sent a complaint letter to Titlemax in reference to the rate they had given me for my renewal which was different from the original approved rate for the maximum amount of the loan on my XXXX XXXX ( please see attached ). Once Titlemax received the complaint letter, they immediately locked my account so I was unable to pay on or pay off my account. Yet, I was continually being charged a daily interest at the higher rate. After several unsuccessful attempts to get the rate changed back to the original agreement, I informed Titlemax Customer Service via telephone call and e-mail that I wanted to end my relationship with them ( See Attached ) and that I needed to payoff my account and receive my title. I made numerous calls to the local office and Customer Service. I was promised call backs that I never received. I expressed to the local office on at least XXXX occasions that the inability to pay my account off was causing me a hardship because I needed my title. The Manager XXXX XXXX ) stated that she sent an e-mail, which according to her, was the only thing she could do and e-mailing was the only option Titlemax required her to do, and that she was waiting for a response. As of this date my account is still locked and I can not payout my account or pay on it. My daily interest rate has accrued for the entire month and I am required to pay that amount up front before any additional amount would be applied towards the principal. My husband lost his ability to work in XXXX due to XXXX XXXX and as of this date he is still unable to work. We are trying to make financial adjustments to be able to continue to meet our obligations. It was our intent to payout my loan with Titlemax and get a loan with a lower rate with another lender and use my title as collateral. However, Titlemax is making that impossible and causing us additional financial hardship. I do not understand the logic of locking my account and not allowing me the option to payout or on my account. Its obvious to me that Titlemax is retaliating against me for writing a complaint letter. I have been doing business with Titlemax for many years. My account have always been current and never in jeopardy of repossession or collections. However, If the current status changes, and my account goes into a negative status, it would be due to titlemax still having my account locked and not allowing me the ability to make a payment. Please investigate this matter and this companys unfair practices. Due to the hardship and mental stress Titlemax has caused me, I felt that they should be held accountable for this unnecessary treatment. XXXX XXXX XXXX XXXX
10/24/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Problem with the payoff process at the end of the loan	WI 539XX	Web	Older American
Hi my name is XXXX XXXX I lost my social security XXXX back in XXXX I called XXXX XXXX TitleMax office and let them know I will not be able to make any more payments until I get my XXXX back. XXXX birthday called and said they were going to take my car if I did not make the final payment and I asked the quote what was the final payment cuz I tried to get the money up the next day and I said I need the whole amount of the title loan so I can pay it off and get my car back and she told me it was {$830.00} I have three Witnesses saying it was {$830.00} and I have her on recording saying it was {$830.00}. I go the next day to pay off my loan and she is selling her mother 's dogs out of the XXXX XXXX TitleMax office which is a breach confidentiality I go to pay the final payment what she said and quoted {$830.00} to receive my car and to get my title back and she hands me a receipt marked in full but on the other side it said I still owed {$740.00} and some cents she had a girl sitting there and I'm could not ask her any information about me because this girl was whining complaining to her she was hungry and that he had my mother out in the car waiting for me to take me to go receive my car to pick it up I called her up and said I do not owe any money you quoted me {$830.00} to pay off my car and get my title back. I've contacted XXXX XXXXXXXX XXXX main office I emailed documents to their CEO now I'm having a XXXX call me from XXXX XXXX XXXX XXXX TitleMax arguing with me threatening me to take my car back and have it repossessed telling me I still owe that {$800.00} some dollars now for all the interest is probably {$900.00} the other girl quit and got fired because of what she did when I was there I have pictures of that her selling her XXXX XXXX dogs. I need my car they did. I have XXXX XXXX dollars of Damages when they told my car away a gas leak oil pan leak oil leak brakes freezing up. Alls I wanted was my title back and I told them I was not paying anymore and they were not going to harass me and threaten me to come and get my car. This guy and XXXX out of XXXX XXXX saying that's where he is at and he's actually in the XXXX XXXX XXXX XXXX in XXXX. I have no more money coming in I'm fighting for my XXXX back I have XXXX out of XXXX helping me get my XXXX back and I owe my mom {$830.00} I had to borrow saying it would be paid off otherwise she wouldn't have never borrowed me the money. I am XXXX XXXX of age XXXX XXXX and my mom is XXXX XXXX of age needing her money from me back which I am trying to fight to get back. I would like to harassment stopped the threatening call stop I paid well over thousands of dollars on this car when it was only a {$500.00} loan. I can not pay nothing the interest rates are going up day by day they said I've asked to have them send me all the paperwork so I could try to hire a lawyer I don't know how I'm doing that. XXXX XXXX please contact me at XXXX
01/17/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 30068	Web	Servicemember
I currently have title loan for my vehicle. I have constantly gotten calls of harassment from the office threaten my vehicle would be repo. If I am week late or two weeks late. Recently had a company that was willing to buy out my car. With XXXX I had my car auction off. Contact the title max company advise the XXXX regarding a 10 day payoff. XXXX fail to provide the appropriate amount. Which then my deal fail through at the time of drop off. The general manager and the Store manager call titlemax that day on Saturday XXXX of XXXX and was told that she could not provide them what they needed at the time. I even called and could not get her to provide me the 10 day payoff. On Monday XX/XX/23 I get a phone call from title max I answered the call dead silence. I called back after the call and XXXX answered the phone I asked her why did Hangul on me she state she did not hear me. My property manager was here in the office when these calls were being made. Upon speaking to aylissa she proceeded to tell me that if I had not brought a payment in she was going have my car repo. I then proceeded to ask XXXX why had she not provided the 10 day payoff that I asked her for on Thursday XX/XX/23. She said she could but then would manual a 10 day payoff. I loss the deal with the company do to her negligence and on top of that she called me right on Monday threaten to take my car. I then proceeded to call corporate regarding the issue. Which they redirected me to XXXX advise them I did not want to speak to her I wanted to speak to her superior. I finally spoke to XXXX who is her boss no result only apologizing saying we hold off until next week of payment. Which at this point in time is not a solution. I am very distraught with the harassing phone calls which on several occasion XXXX has threaten to pickup my car and it hasnt been a 30 day window to do so. I have asked XXXX on several occasion to transfer me to another store where she has refused. I even attempt to sale my car with no avail was not able to because she purposely did not provide proper documentation. I pay over XXXX to XXXX dollars already on this vehicle with a pay of XXXX. Which at this time is too high. Not to mention ot does not hit the principle of the loan. I want something done this has mentally stress me out where I am not able to function with this constantly over my head. Then to be constantly threaten. Titlemax has no integrity whats so ever. I filed a complaint each month to corporate to nothing happening I can barley pay my other bills with economy prices going. All my money and time is going on this vehicle. I tried to have bought out still couldnt get that done. I am now keeping my car but want to get out of this loan. I borrowed XXXX dollars on this loan. And have paid over XXXX but still owe XXXX. I can not do this. I want file complaint agains this company literally stressed out because of all this. Please help.
03/26/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TN 37207	Web
Hello, I dont know how far the email will go or if I can get this resolved but I will try. I close mouth dont get fed. Ive reached out to so many people even corporate and I keep getting rear ended. It should be a crime to charge 181 % in interest on loans. Why is it legal in Tennessee? These loan sharks target people who are suffering rich or poor. My only working vehicle has a 181 % interest loan on it with TitleMax. They never told me the interest rate until after I signed the papers. They never tell me what has been applied to the loan until I go online to see. I paid {$2700.00} on a {$2100.00} loan and still owe {$2700.00}. Ive used TitleMax several times and never had this hard of time paying this off the loan until now. I am trying to get my XXXX in XXXX XXXX and homeschool my XXXX children, my income can not afford $ XXXX {$400.00} payments and only {$90.00} goes towards the loan. I have reached out to TitleMax general and district manager and none of them would return my calls. It took 3 weeks for them to return my call and they refuse to work out a payment plan so the interest dont keep accumulating. They told me I need {$650.00} to get current and only {$120.00} will go towards the loan the rest is interest. I called them on XX/XX/XXXX to forfeit the vehicle because I can no longer afford the payments. The general manager request that I drop the vehicle off at their office and take a XXXX home. I dont have XXXX money. I already paid the vehicle off and they want me to go out of my way to satisfy them. This should be banned in Tennessee. How can someone charge this much interest? The car is still in my driveway and I cant drive it because the tags are expired and no insurance because TitleMax will not come and get it and let me be done with them!!!!! I would love to keep my vehicle but they will not communicate with me and letting the interest on the loan get higher. Please help and send this email to someone who can help. Ive been in touch with the office since XX/XX/XXXX. I was current until XX/XX/XXXX. The General manager refuse to work with me on making monthly payments he said the District manager said he cant help me. I am on section 8 and my loan payments are more then my rent!!! My car started having problems and I can not afford to get them fixed because of their high interest rate and monthly payments. Im just trying to work this out but its obvious they dont want to nor have they attempted to get the car. Ive paid off over 10 loans with them and its sad that they couldnt work with me so I can keep the car. I am a single mother of XXXX whose just trying to make it and theyre making it impossible for me and Im sure others who are barely making it. There is no interest amount on the statements. I uploaded a statement from XXXX on another loan I had and it shows the interest. Thank you so much, XXXX XXXX XXXX XXXX
04/13/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	TN 37207	Web
This is my second complaint with this company. The first complaint was done on XX/XX/XXXX and it was closed on XX/XX/XXXX stating that the TitleMax responded but they never did. I hit a financial hardship and I cant pay them anymore. In XXXX I was making $ XXXX $ XXXX monthly payments for a {$2100.00} line of credit. As of XX/XX/XXXX I am no longer able to pay on the loan. I paid {$3100.00} on the loan so far and I still owe {$2800.00}. I was not aware that they were charging me over 180 % in interest, I never signed anything that showed the interest amount. This is my first time ever doing a line of credit with TitleMax, I usually would get a title loan that needs to be repaid within 30 days. The person at the office insisted I get the line of credit because Ill be saving more in fees. That was a lie I have been struggling to pay them and to keep my only barely working vehicle. In XXXX right before XXXX I had major car problems and the state of TN sent me a letter because I dont have car insurance and requesting I get it within 30 days. I was paying TitleMax so much money that I couldnt maintain car insurance or maintenance. I am a single mother and I home school my XXXX children. I am on section 8 and my title loan payments are more then my rent. I cant get my tags reinstated or get insurance on the vehicle because TitleMax said if I cant make a payment then I need to drop it off at their office and take a XXXX back home. I reached out to the General Manager and the Office Manager about working out a payment plan to stop the interest from getting so high. They said they spoke to the District Manager and he or she said there is nothing they can do for me and I need to pay the past due and start making monthly payments. I tried coming up with the money but I couldnt. I had to reschedule my son and Daughter Doctors appointments 3 times because of this and not being able to have up to date tags and insurance. This is frustrating and hard. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and TitleMax is making it hard for me to even do that. I need my vehicle I also need them to do something about this. I paid the loan off!! How am I still owing the same amount? I need my title and I will never go to them again. I will be sure to share my experience on their reviews everywhere! This was a trap. I even called them in XXXX to come get the vehicle thats when the manager told me to drop it off at their office. Here we are almost 2 months later and the interest and amount is steadily rising. They are scamming hard working families and dont have no remorse. My hours has decreased and Im barely making {$1200.00} a month. I can barely feed my family because I was paying TitleMax. They do not care. I still need to take my children for their Doctors appointment. This is insane that they can charge that much interest and for it to be legal.
03/24/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 79606	Web	Servicemember
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Legal Debt Recovery Department ) Creditor : Title Max Inc. Outstanding Balance : - {$2500.00} Docket Number # : - # XXXX If you want to resolve this case outside of court so contact to our Settlement Department : mailto : XXXX Subject : Final Notification from the Title Max Loan Recovery Department Title Max is a state licensed lender, which means we abide by all laws set forth by each state. This Legal Proceedings issued on your Docket Number # XXXX with Title Max Inc. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of Title Max has decided to mark this case as a flat refusal and press legal charges against you. Let us know what your intention is by today itself, so we can try to put this case on hold or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your doorstep. Do revert back ; if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding a legal charges against your name today. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. This is also to inform you that the creditor has all the rights and authorities to inform the employer about what you have done in the past and what will be the results once the case in downloaded and executed. Submit your final intention between two days or we are not able to help you out this case more. Customer Notice : Title Loans should be used for short-term financial needs only, not as long-term financial solutions. Customers with credit difficulties should seek credit counseling. If you want to resolve this case outside of court so contact to our Settlement Department : mailto : XXXX We have a settlement amount for you with easy weekly and one-time settlement amount options. 1. If you can make one-time payment of {$1400.00} ( One-time case settlement ) we can close your case file with this amount only with the same day payment. 2. If you are looking for weekly payment then you have to pay a total amount of {$2500.00} with payment arrangement and you can pay {$450.00} weekly till paid in full. Kindly let us know what type of payment arrangement you are looking for at : - mailto : XXXX Note : If you need to take care of this case outside of the courthouse or you need a payment arrangement plan option to hold this case outside of the court.submit your Intention about this case, you need to email us back immediately at : -mailto : XXXX Debt recovery Department Title Max Inc . Attorney XXXX XXXX
09/09/2020	Yes	Payday loan, title loan, or personal loan Pawn loan	Property was sold	TX 77074	Web
I was a victim of a id theft as well as my credit was destroyed in the process, so I worked with a ton of regulators from ATTORNEY GENERAL, CONSULATE OF CURRENCY, FDI, FTC, DEPARTMENT OF BUSINESS AND INDUSTRY, and it is there that I learned certain laws or guidelines that Creditors have to follow. As far back as XX/XX/2020, I spoke to manager at the XXXX at the XXXX XXXX branch in XXXX, TX of TITLEMAX. I was getting several several calls a day even after I spoke to someone in the office or left word. I also indicated to not call my cell and leave a message to call my other number if you needed to get a hold of me, I Was having issues with speaker on the cell. I also let him know as COVID just started that I have extremely high XXXX in my XXXX and XXXX and i sometimes get very sick for few days on end. From XX/XX/2020 til XX/XX/2020, I had to repeat myself to XXXX and I had to leave messages on their answering machines and letters as XXXX promised not only would not get so many calls, but that they would call the other number. I made it very clear if I was needed to get a hold of that the other number was the one to reach, and if I needed make a payment my friend could do so. However, fI Was sick for several weeks beginning of XXXX and I let TITLE MAX know as well, I let the know that there was issues with unemployment payments due to congress not being able to come up with a resolution, as well I got call after call after harassing call only on the number I made very clear over 20 times not to call. Infact to date the number I Asked them to call has not had one call,. As well in XXXX XXXX said after I made my payment for that month he was gon na take {$200.00} off for me being good client, but he never did. I left word I was very clear, i said once the {$200.00} i was owed was paid, I would make a payment, and unemployment just kicked back in a week ago with back pay, but the repoed my car. I even told them I had to take in for timing belt and the car was hit while I Was sick, and needed repair, I got NOT ONE, NOT ONE phone call on the number i asked them to call, I realize what they were doing, it was a bullying tactic, it has been a year since I had the loan, I have paid well over {$5500.00} in interest on a {$3100.00} loan, but everyone knows titlemax will get your car after you pay a year so they can get twice as much money. The, totally disrespected me, harassed me, lied to me, I had not issue making payment, I asked for the {$200.00} to be taken car of them I would make the payment, not one call came in on numnber I asked them to use, instead the played games leaving dozen calls a week and several messages that were not understandable due to the speaker, however, I have wittnesses, copies of paperwork and then some that I asked them to call the other number and all the other things I referenced here.
07/19/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	OH 45211	Web
XXXX 2015 I want to titlemax in XXXX, Ohio on XXXX XXXX and opened a title loan on my XXXX Ford Explorer XXXX XXXX. When I did this I was able to get a loan for {$2400.00} I was told my XXXX payment will be around {$400.00} because of processing and interest fees. On XXXX XXXX I made my first payment with no problem, but when I ask about the next they told me that it will be roughly around {$400.00} anything over the interest and processing fees will go to principal and that I could not Opt to tell them that I would like my permit to go to principal. I spoke to the general manager how 's the store she proceeded to tell me that this is a " 30 day loan '' and that every day that the loan is still not completed I would have to refinance the loan so with this being done it will make my finance interest go even higher. Also just passed payment attempted to get paid 2 week extension on my due date because of a financial crisis that temporarily one of my income was being down. Now prior to this I have heard people going to the same store and get extensions or be able to do partial payment on overdue payments ... They simply had to talk to the general manager of that store to see if they can work on a temporary payment plan I was even told this when I was closing the loan with XXXX she told me just to call in and ask to speak to the general manager. Now there has been a new manager in place since then and she is not honoring that and it is putting me in even more of financial bind. Example : I asked to pay the principal due for XX/XX/XXXX which was {$370.00} .... at first one the general manager replied she told me or ask me when I can pay the rest implying that that was something possible to be done and I told her out of the {$500.00} that they were charging me since I was late on the payment that I was only able to pay the {$370.00} and pay the remainder a week later. She declined that and proceeded to ask me where can I pay the {$500.00} and that my truck can be eligible to repossessed. I told her just so my truck does n't get repossessed I would have it in by XX/XX/XXXX. I then asked her why was n't the loan process explained to me originally as the way she just explained it to me ... .she then told me at that point that it was a 30 day loan and that she would n't even get this type of loan for herself if she had to go down the avenue that I had to go there because she knows it would suck people in ... These are her own words and I will testify to that. I feel like this is a predatory loan and that it is very miss represented by its agents that process the loan. I was never given a clear estimate on how the payment was allocated to the loan. I feel as this company is increasing rates and making people pay more by refinancing these loans month it is making it impossible for people to repay these loans.
08/01/2023	No	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	FL 33782	Web
To whom it may concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to file an urgent and distressing complaint against InstaLoan XXXX XXXX XXXX FL, concerning their predatory lending practices and the devastating loss of personal property, including cherished keepsakes of my late wife. In a period of financial hardship, I was coerced into taking out a title loan with InstaLoan to pay off an amount of {$2500.00} within 30 days. The terms were designed to exploit vulnerable borrowers, imposing an exorbitant {$300.00} reactivation fee every month if it can not be paid in full, rendering it virtually impossible to repay the loan on time. As fate would have it, I was unable to meet the stringent repayment schedule, leading to the repossession of my vehicle. But the anguish did not end there ; upon the repossession, InstaLoans tow service, who had possession of my vehicle for less than XXXX XXXX, took it upon themselves to clear it of my belongings. I recently became homeless so there were many things of value inside of it. It included work tools that have disappeared, {$300.00} sunglasses that I never received and keepsakes from my wife who passed away exactly a year prior. They gave me no time to come there and remove my belongings. Of utmost heartbreak is the loss of irreplaceable keepsakes that once belonged to my beloved wife, who XXXX XXXX XXXX. These cherished items held immense sentimental value and were an irreplaceable connection to her memory. It is nothing short of devastating to know that they have been carelessly destroyed, tossed into big black garbage bags without any regard for their significance. Furthermore, InstaLoan violated my rights by disposing of my personal property without proper notification or a reasonable opportunity to retrieve my belongings. I reached out within XXXX hours of the repossession, only to be met with the agonizing revelation that my keepsakes were already in black garbage bags. I implore the CFPB to investigate the predatory lending practices employed by InstaLoan, which led to my financial distress and the loss of my treasured belongings. This distressing experience has left an indelible impact on my emotional well-being, amplifying the grief of losing my wife and causing further hardship. I earnestly seek justice and restitution for the wrongful actions of InstaLoan, urging the CFPB to take decisive action to prevent such predatory practices from harming other vulnerable individuals in the future. Please, help bring attention to this disheartening situation and hold InstaLoan accountable for their egregious actions, ensuring that no one else has to endure such emotional suffering and property loss in the pursuit of fair treatment and justice. I am considering legal action as well. Sincerely, XXXX XXXX
08/22/2023	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 315XX	Web
On XX/XX/XXXX I went into the Title Max located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I entered into an agreement for a {$550.00} Title loan. The vehicle I used to obtain the title loan was a XXXX XXXX XXXX which had been paid off and owned by me since XXXX. The loan was taken out by me at the request of my husband of 16 years to pay off a a bill he was delinquent on and needed fast cash quick, so out of desperation I willingly, opened the loan for him using the title to our paid off XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX we made our XXXX payment in the amount of {$130.00} towards the loan. We have been making payments On XXXX, XXXX, XXXX, and due to the COVID-19 stay at home order, we were both let go from our jobs and we fell into a financial hardship. With not many options and fear and XXXX from the future of the economy due to the COVID-19 stay at home restrictions, we were forced to refinance the Title loan and received another {$550.00} from Title Max. The balance we were now required to pay was {$1200.00} which included a additional XXXX XXXX XXXX XXXX Pawn Pledge Fee ''??!! as stated in the Payment History print out I requested from Title Max Since the inception of this loan in XX/XX/XXXX, payments by us have been made month after month and just to keep the vehicle from being repossessed and the loan defaulted. All the while the balance has continued to climb, some months we were forced to pay up to {$300.00} to stay out of default. And MONTH AFTER MONTH Title Max would excessively call us everyday to threaten us with repossession on the vehicle if the payment was not made. The thought of how much money we were forced to pay Title Max infuriated me at which as of XX/XX/XXXX was an astounding {$5200.00}! I contacted Title Max in XXXX, XXXX and spoke to XXXX to see what we can do to get out of the loan and also requested a print out of the amount we have paid in total to Title Max since XXXX XXXX i asked her if they would agree to let us out of the loan and close the account. She was very helpful and did provide the the payment history printout but advised me that she has rarely seen this done, and unless the account was current and in good standing they would not accept our offer to have the loan paid in full and closed. This type of business should be ILLEAGAL.. This is not good business practices and there should be a CAP on the amount these title loan companies can take from people. We are in a more serious financial hardship due to me being diagnosed with XXXX in XX/XX/XXXX. Our other vehicle was just totaled in an accident and the XXXX XXXX that Title Max has a title lien on so we can't use it as a down payment to purchase another vehicle. Thank you in advance for any help you can provide for us.
02/09/2017	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	GA 30068	Web	Servicemember
PRESENTMENT OF CORPORATE VIOLATION : MANAGER ON SITE : XXXX : TITLEMAX PHONE : XXXX LOCATION : XXXX XXXX, GEORGIA XXXX GOVERNMENT ACTION/ AFFIDAVIT OF TRUTH MEMORANDUM OF UNDERSTANDING XX/XX/XXXX-XXXX Presented consumers with misleading information about loan terms : XXXX employees asked consumers how much they wanted to pay each month or how long they wanted to take to pay off the XXXX loan. The guide and sales pitch distracted consumers from the fact that repeatedly renewing the loan, as encouraged by XXXX XXXX employees, would dramatically increase the loan 's cost. The guide does not calculate fees or the total cost to consumers of repeatedly renewing the loan instead of repaying it in XXXX days. This makes it difficult, if not impossible, for a consumer to compare costs for renewing the loan over a given period, Here 's the actual government case and the parts to reference what they are in violation of : http : XXXX In violation of sections : XI : Recordkeeping /number XXXX a and b XXXX : number XXXX VI : Compliance Plan/ number XXXX a, b, and c V : Conduct Provisions/ d and XXXX XXXX and XXXX XXXX through XXXX Sales pitch and repayment plan. Today, XX/XX/XXXX I, XXXX XXXX XXXX had my property reposessed after the government action had been served in which they were found GUILTY of deceptive sales and business practices. I was deceived into a renewal plan unknowingly where the repayment interest would have been significantly higher. If I would have known that there would have been an interest increase, I would have never initiated a loan with them to begin with. I would have gone to another loan company .... Their records and the initial and renewal contracts will show that they proceeded after this government action in a repossession based on a failure to pay " monthly '' payments which had been deemed illegal. They are making me consent to an illegal procedure of a contract through deception and omission of fees associated with the transaction. A company can not withhold this information with the consumer. XXXX XXXX, the mangager on site at the Titlemax on XXXX XXXX. XXXX in XXXX, Georgia had confirmed that he received the notice which in turn is an admission of proceeding in an illegal action when he repossessed my car in the driveway of my father 's property in accordance with an illegally deceptive renewal contract in which I had defaulted. The default is void when the counterparty operates in illegal procedure. I would not proceed illegally in accordance with them to pay them, so they illegally have stolen my property while ignoring a government action. I am slighted by the outlandish disobservance of a government ruling and wish to pursuit this to it 's fullest extent. In American Honor and XXXX, XXXX XXXX
07/09/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TX 751XX	Web
TitleMax continues to elude the FACT that my rights as a consumer were violated in my attempt to acquire funds for my personal, family, and household purposes. TitleMax did not explain or inform me of my right to rescind nor did they submit the separate required forms pursuant to 12 CFR 226.15. 3 ) If the required notice and material disclosures are not delivered, the right to rescind shall expire 3 years after the occurrence giving rise to the right of rescission, or upon transfer of all of the consumer 's interest in the property, or upon sale of the property, whichever occurs first. In the case of certain administrative proceedings, the rescission period shall be extended in accordance with section 125 ( f ) of the Act. TitleMax also eludes the Fact that my rights as a consumer were violated by neglecting to omit 16 CFR 433.2 In connection with ANY sale or lease of GOODS or SERVICES to consumers, ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least XXXX point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. Which has nothing to do with the sale of my information per TitleMax response. TitleMax also did not inform me of my vehicle was going to be repossessed. By their own admission, a letter was sent two days after letting me know when the vehicle would be sold which was not sent to my residence. No other information was received regarding the repossession of my vehicle. TitleMax has not provided proof that all of the above was performed. As a natural person, I am the only one who can attest to the transaction. TitleMax continues to elude the FACT that my rights as a consumer were violated pursuant to 15 USC 1692 d ( 1 ) Harassing or Abusive Practices 15 U.S.C. 1692d A debt collector in collecting a debt, may not harass, oppress, or abuse any person. For example, a debt collector may not : Use or threaten to use violence or other criminal means to harm the physical person, reputation, or property of any person. I have evidence of my communication with TitleMax and no mention of my account being delinquent was ever mentioned. I have the dates and times of each rep. and conversation regarding the receipt of my promissory note, TitleMax only responded to my promissory note after my first initial complaint through CFPB. I have evidence of their receipt of the document dated XX/XX/2023. I heard nothing from TitleMax until XX/XX/2023 which was to inform me of the intent to sell my vehicle
11/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30016	Web
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. PLEASE REMOVE FRADULENT ACCOUNTS & INQUIRES BELOW!!! 1. XXXX Account Number : XXXX Please remove it from my credit report. 2. XXXX Account Number : XXXX Please remove it from my credit report. 3. XXXX Account Number : XXXX Please remove it from my credit report. 4. The following account is not mine Account Number : XXXX Please remove it from my credit report. 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 12. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 13. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 15. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 18. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX Enclosed are the following : A copy of my driver liscense. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
03/20/2021	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 315XX	Web
With bank statements to verify the payments, Ive been paying TitleMax a total of {$210.00} since XX/XX/XXXX. From the beginning, the title loan amount was {$1900.00}. My car involved is a measly XXXX XXXX XXXX. I faithfully paid TitleMax {$210.00} every single month until XX/XX/XXXX. I simply did not have enough money to pay them. Although I faithfully paid them every single month, the bill has not budged. Because of that one missed XXXX payment, today, the bill is registering over {$2000.00} & is steady going up. By XX/XX/XXXX, the amount owed will be nearly {$3000.00}. Regardless of the details in the contract, I thought that at some point, the top TitleMax officials would have mercy on their customers & would stop charging high interest on loans during a pandemic when they know that many people are suffering financially. After they called me up at the end of XXXX & threatened to take my car, I managed to scrape up the {$210.00} payment for XXXX. After making that XXXX payment, we had no food & our utilities almost got turned off, but fortunately, without making a payment, the companies kindly left the utilities on. In XXXX & XXXX, I was able to make only one {$210.00} payment each month ( a total of {$430.00} ). TitleMax is now expecting another whopping double payment of about {$430.00}! I dont have this kind of money to give TitleMax whereas my family is literally STARVING & the TitleMax bill is going NOWHWERE BUT UP! Theres a {$7.00} daily charge for each day a payment is late. On XX/XX/XXXX, before I could think about receiving my stimulus payment, TitleMax called me up & demanded a double payment & threatened to take my car although I paid them a {$210.00} payment in both XXXX & XXXX. At this point, if you figure it up, from XX/XX/XXXX, I have nearly doubled the repayment of that title loan. By right, I dont actually owe them anything & why should I give them my car after missing a single payment? I feel that at some point for customers who have been paying interest on a TitleMax loan for a long time & are unable to pay it out in a single lump sum, top officials at TitleMax should stop collecting the interest & forgive the loan, particularly when a customer has already double paid back the loan! Due to XXXX XXXX, Im on a fixed Social Security XXXX income. The TitleMax bill is similar to having a hole in my pocket. Im throwing away {$210.00} per month & the bill is increasing. I feel VERY helpless because I dont know how to stop this without giving them my car. I need my car for doctor visits, grocery shopping, & to commute my brother to dialysis. What should I do to get away from TitleMax without having to give them my car & to finally stop paying them? HELP!!!!
10/27/2017	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	GA XXXXX	Web
I am the heir, executor, beneficiary, settlor, and principal of my legal decedent. On XXXX XXXX, XXXX a title loan account for a XXXX XXXX XXXX was open with TITLEMAX in Georgia in the amount of XXXX}. I paid the fees each month for XXXX months totaling XXXX The last payment was made in the amount of XXXX on XXXX XXXX. XXXX XXXX XXXX XXXX XXXX was given a security interest each month the loan was renewed totaling XXXX The total amount including fees is XXXX}. On XXXX XXXX, XXXX TITLEMAX repossessed my vehicle. On XXXX XXXX, I phoned the TITLEMAX office to get my personal property from the truck. I was told they did not have possession of the vehicle and no guarantee they would have the vehicle back in order to get my personal property. I was unable to earn compensation for XXXX weeks. On XXXX XXXX, XXXX, a Truth in Lending Rescission Notice was sent to the XXXX of TITLEMAX, the XXXX of XXXX XXXX XXXX XXXX XXXX, the registered agent of TITLEMAX, and the registered agent of XXXX XXXX XXXX XXXX XXXX. The XXXX day right of rescission disclosure was never given to me at the origination of the loan. TITLEMAX had XXXX days to dispute the rescission by filing a lawsuit against me and that time has now passed. On XXXX XXXX, XXXX, I received a letter from a litigation paralegal of TITLEMAX stating I can get my vehicle and they will release the lien in exchange for my signature on a mutual settlement. A rescission states that all monies paid and all property to be returned to me the principal because the contract is now void. The letter states my vehicle will be sold in XXXX days which is XXXX XXXX, XXXX if I do n't agree to their settlement. There is a bigger problem since XXXX XXXX XXXX XXXX XXXX is involved. I need an audited accounting of debits, credits, and expenses and how many other accounts that were created from the XXXX accounts. TITLEMAX sent a one- sided accounting record of the payment transactions, but not the other pieces to the accounting. I requested XXXX} to be returned to me, but if this goes further, I will be demanding damages for all FDCPA and XXXX violations. Since a security is involved, I am the first party heir to my decedent 's account because I am the living heir to the party of interest. I am requesting a cease and desist until this entire matter is resolved. I received a letter from XXXX XXXX XXXX XXXX XXXX stating they needed additional time to investigate and to expect a response by XXXX XXXX, XXXX. The rescission was effective the day it was mailed. I need both Corporations to follow the XXXX in XXXX XXXX XXXX XXXX guidelines. Both companies defaulted on their opportunity to dispute the XXXX rescission within XXXX days.
09/28/2019	No	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	TX 75043	Web
To Whom It May Concern, I XXXX XXXX is submitting this complaint on my behalf against Title Max Corporation on this XXXX day of XX/XX/XXXX. As a consumer, I am requesting for Title Max to send and release my original XXXX XXXX XXXX Car Title Acct # XXXX back to me for the second time because the first request was to Title Max website via email at : XXXX on XX/XX/XXXX. I notice that my original Acct # XXXX located at Title Max XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, Texas XXXX ; was changed to Acct # XXXX ; by a Title Max XXXX XXXX XXXX XXXX, XXXX Texas.XXXX ; without my knowledge. Now be mindful, that Title Max Corporation Headquarters and Title Max located in XXXX, Texas were both notified of my U.S.C. Chapter XXXX Bankruptcy by the XXXX, Texas Federal Courts. Please see ( PDF ) to Title Max Corporation and Title Max XXXX, Texas XXXX ; requesting my Car Title back after my Chapter XXXX Bankruptcy was discharged. Title Max is in violation of selling and trading consumer information through Third Party transaction and violating Federal Bankruptcy Order 11 U.S.C 727 ; which was granted to XXXX XXXX on XX/XX/XXXX. In XX/XX/XXXX, I was harassed by XXXX XXXX and other Third Party Debt collectors and was forced to file for Federal Chapter XXXX Bankruptcy as a XXXX consumer ; in XX/XX/XXXX due to aggressive collection acts. Title Max has ignore the discharge order as of today ; and are violating Federal laws under section 524 of Title 11 of the United States Codes ; known as A Bankruptcy Discharged Violation. We both know that an injunction states that no one can take any action against a consumer regarding a discharged debt that has been exempt or granted under the United States Chapter XXXX Bankruptcy Order. The reason for this complaint is because Title Max is still trying to repossess my car by having Title Max employee following me ; however I have my car in my possession ; my car is exempt. Title Max and all creditors were notified by Untied States Government Chapter XXXX Bankruptcy of my Chapter XXXX Discharged. ( CFPB ) Effective Date : This regulation is effective XX/XX/XXXX. Compliance Date : Sections 1041.2 through 1041.10, 1041.12, and 1041.13 have a compliance date of XX/XX/XXXX ; The rule identifies it as an unfair and abusive practice ; and the proposal was published in the Federal Register on XX/XX/XXXX. I want all three company 's investigated of foul trading practices ; Title Max located at XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, Texas XXXX ; Title Max XXXX XXXX XXXX XXXX, XXXX XXXX and Title Max Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA.XXXX.
06/29/2022	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	MO 64804	Web
On XX/XX/XXXX I XXXX XXXX went to pay my title loan to Title Max in XXXX Missouri at said time the manager of the XXXX XXXX location was very unprofessional and using scare tactics in an attempt to get me to pay more as unfortunately I was only 12 days late on my payment of {$280.00} due on the XXXX, she said I have 3 choices, 1. Voluntary surrender vehicle, 2. Borrow Money from family, 3. Pay off entire loan now. She even got her manager on the phone to be little me and I'm of XXXX and felt discriminated against, they refused to listen to my spouse XXXX XXXX who actually was the person paying the payment and he advised them what Missouri law was on this and they refused to listen even telling him to leave when he is our family bread winner and the payment is on his card! All he said clearly to branch Manager was we will only be making the {$280.00} payment for the contract amount due and pursuant to Mo Law u can not repo vehicle without 1st sending us a " Right to Cure '' and payment being over 20 days late which it was NOT! Both Branch Manager and her boss the District Supervisor, we're threatening and using unlawful scare tactics trying to make me pay more since I was unfortunately late! Title Max XXXX XXXX XXXX Missouri needs better training and coaching and I feel discrimination occured based off my XXXX! I made my payment and should be able to choose my payment method and not be harassed to pay more than the contract amount of {$280.00} if I don't want too! Lastly my spouse XXXX XXXX should be permitted if I permit to speak on my behalf since we're married and the vehicle is a marital asset, and since he is who is legally making my payment under his checking account! The district Supervisor even instructed the branch Manager to write out a statement on my reciept which was uncalled for and never asked for, these scare tactics are illegal and against the FCRA and Mo laws and discrimination against myself. Payment was made and now payment not due until XX/XX/XXXX which again we will only pay the {$280.00} lastly if my husband isn't permitted to pay on my behalf then title Max must provide an alternate avenue to make payment as he is my spouse and who I put in charge of all my financial payments. Allow my spouse to accompany me anytime I'm in office as I don't feel comfortable after this incident as he knows laws I don't and he protects me from frivolous incidents like this one and we're also filing a complaint with Missouri XXXX XXXX XXXX for investigation of discrimination in a public setting!
04/29/2023	Yes	Payday loan, title loan, or personal loan Title loan	Received a loan you didn't apply for	GA 312XX	Web
On XX/XX/XXXX I applied for and received a loan from TitleMax for the amount of {$1500.00}, Total pay off amount of {$1700.00}. On XXXX XXXX, I received a call from XXXX who identified himself as the the manager at the TitleMax location where I obtained Title Loan. He stated the purpose of his call was to advise me that {$8500.00} was deposited into a pay portal that the Broker that process my loan created on XX/XX/XXXX, XXXX XXXX then spent the next five minutes trying to convince me and persuade me to use the money presenting multiple pay off dates. I advised XXXX that the deposit on XX/XX/XXXX was I did not request {$8500.00}, that the deposit was unauthorized and to remove the {$8500.00}. Which to this day, XX/XX/XXXX has not been removed. Written Statement from TitleMax " XXXX XXXX entered a thirty ( 30 ) day Pawn Transaction and Security Agreement ( the Agreement ) with TitleMax on XX/XX/XXXX, for {$1500.00} ( the Pawn ) and pledged her XXXX XXXX XXXX ( the Vehicle ) as collateral. Pursuant to the terms of the Agreement, XXXX XXXX Pawn balance of {$1700.00} was due on or before XX/XX/XXXX. '' To CFPB on XXXX XXXX " In reference to Transaction dated XX/XX/XXXX for {$8500.00}. I am now being falsely accused of initiating a new loan on XXXX XXXX, from the same pay portal mentioned above that I requested unauthorized funds to be withdrawn from account. " On XX/XX/XXXX, XXXX XXXX refinanced the original Pawn via Companys online customer portal, by entering into a new Pawn Agreement ( the Refinance Agreement ), the proceeds of which paid off the Pawn under the Refinance Agreements terms and created a new pawn transaction ( New Pawn ). XXXX XXXX also elected to add more funds to the New Pawn, bringing the total Pawn balance to {$4600.00} due on or before XX/XX/XXXX. XXXX XXXX has failed to pay off the Refinance Agreement, which was due by XX/XX/XXXX, leaving an outstanding Pawn balance of {$4600.00} ''. TitleMax refuses to offer any documentation of the deposit of funds on XX/XX/XXXX, or record of withdrawal of funds, totaling {$8500.00}, or any documentation related to the unauthorized XX/XX/XXXX transaction that I reported and asked to investigate. My accusation is that TitleMax 's actions violated the EFTA, TILA, FDCPA in multiple ways. 15 USC 1693b, 15 USC1693c, 15 USC 1963d, USC 1693F, 15 USC 1963g, 15USC 1963H, 15 USC 1693i. There are multiple violations within each of the codes listed in addition to the codes violated that are not listed. I may list them separately based on response.
06/02/2023	No	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	DE 199XX	Web
I defaulted on my loan and it was entirely my fault that I'll accept. I was given XXXX days to come up with XXXX dollars to get my vehicle back. So I did just that I gathered my things and came up with the money. I Paid title max and received confirmation numbers for the payment that was broken into XXXX. An unfortunate turn of events landed me in the hospital. When I got out a day later they came in the middle of the night. Their repo man drug my car in park XXXX yards wheels locked. Never coming to the door or asking for the keys. They came to get my car from a location not listed on any of my paperwork. And stated that the tow truck seen my car and must of followed me here. This after i called and told them I knew they placed a tracker on my car. Also that i knew the driver and was aware of prior uses of such. Side note they placement of a tracker in Delaware is illegal. However the followed me here story is not true. My neighborhood where i currently reside has cameras facing the main and only entrance and no truck was seen entering behind or passing so entrance. Conclusion they lied. Reason for all this XXXX was. They said my payment came back as fraud but yet i had confirmation numbers and never heard of so fraud until after they repossessed the vehicle. So they took my car and told me I had to have XXXX in XXXX days after already giving them XXXX on a XXXX dollar loan. Sold I could not meet that deadline or astronomical amount. So I recieved a letter stating my car was sold for XXXX and that Title Max had the right to pursue leftover amount if I filed a lawsuit. I found that odd. Until a few days after recieveing that letter i recieved XXXX about a data breach. And then it made sense. Theyre basically trying to blackmail me into not filling a suit against them for the tracker the breach and they're complete and utter unprofessional practices. All of this i will present to the Attorney Generals office, the XXXX XXXX XXXX, local news outlets, and Delaware XXXX XXXX letters, paperwork, and communications ive had with title max. I also will be placing a notice on my familys businesses marquee sign stating theyre fraud as well. To me whomever is reading this may seem abysmal but with XXXX cars a day going by reading it. My aim is to try to keep others from experiencing the hardships ive endured because of all this nonsense. I lost my vehicle due to their lack of and therefor careless mistakes. Don't understand how payments just dissappear and now my vehicle is gone for their XXXX up.
05/01/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	NM 87121	Web
on XX/XX/XXXX I received my 4th title loan through titlemax with my XXXXXXXX XXXX XXXX. before my payment was due, within the first 30 days titlemax hired a tow company to come to my home and repossess my vehicle. i called corporate and wanted to know why they would send a tow company to take my vehicle and they said that i was not a corporate concern and to contact the store were i got my loan, i then contacted the store and demanded to know why they breached our contract agreement, i was then told that titlemax was going out of business and that was the reason for violating the contract. having had 3 prior loans fully paid off within 3 months of receiving the loans using the same car as collateral, I felt wronged and violated, by titlemax breaching the contract that we had agreed upon, i feel that they picked me out cause they new i would pay my loan off like all XXXX previous loans had been paid in full, titlemax never returned my title to me since my first loan on XX/XX/XXXX XXXX APR 143.35 % paid in full on XX/XX/XXXX. 2nd loan was XX/XX/XXXX XXXX APR 143.35 % paid off XX/XX/XXXX. 3rd loan XX/XX/XXXX for XXXX APR 174.36 % paid off XX/XX/XXXX 4th loan on XX/XX/XXXX for XXXX APR 173.35 % titlemax BREACH OF CONTRACT! illegal debt collecting practices by trying to repossess my car before first payment due. then on XX/XX/XXXX I was inside my vehicle when a tow truck came to my house and picked me and my car up by XXXX wheel suspending my car and myself XXXX feet in the air damaging my vehicle and my property when he went to put my car down it would not go back into park, hudge pile of transmission fluid in my driveway police came, XXXX called due to my airbag deployment they made a report, got car fixed and then on XX/XX/XXXX auto theft/ unlawful taking XXXX XXXX XXXX [ XXXX ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) the tow company did not call my car in for a repossession or recovery of any kind, no history of a vehicle being taken from myhome. I have 3 police reports, XXXX XXXX XXXX loss of work, created XXXX i never had before, I contacted corporate on XXXX XX/XX/XXXX spoke to a lady and sent a email to XXXX on XX/XX/XXXX and again on XX/XX/XXXX and to this day they have not responded to my complain that stated i was taking legal action for breach of contract, damaging my vehicle and property, and illegal repossession, Im seeking my vehicle back and XXXX for the damages, XXXX, and loss of work. as time goes by the amount goes up while i still am without my vehicle today
04/21/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	VA 243XX	Web	Servicemember
I am currently serving in the Virginia XXXX XXXX XXXX and asked over the phone if I was eligible to receive a title loan, in which I was told yes to come into the office to complete the process. I received the title loan on XX/XX/2022 in the amount of {$2900.00} and payment was wired to my debit card/bank account. Upon arrival at the Title Max office located in XXXX TN, I was told that the employee needed to assess and take pictures of my vehicle. I do have a XXXXXXXX XXXX XXXX license plate tag and other identifying logos that indicated that I was in fact a service member. At no time in the loan process was I asked if I was a military service member. It was the day before XXXX and right before the office closed and the employee was eager to make the loan and close the deal. I was not aware that it was illegal for me to even have the availability to obtain such a loan under the XXXX fair lending Act. All paperwork for the loan was done on a computer tablet screen that I did not see, and my signature was super imposed on multiple pages and documents after signing on a little pad one time my initials. I would have never pursued the loan if I was made aware that I was ineligible or that it was illegal for service members to be given such a loan due to the outrageous interest rates. I have made payments since XX/XX/2022 and I am now further away from paying this loan off then the day that the loan was issued. The company was not forthcoming and did not due their due diligence to see if I was eligible for such a loan. They issued the loan without proper clearance and questioning and I should have never been able to obtain such a loan as it is against the military lending act, and I would never jeopardize my family or career in such a manner had I been given the information that I was entitled too. At the time of the loan when I asked for a print out of the paper work I was told that they had printer issues and that everything would be available through their app after the loan was issued, which was also a red flag that at the time I missed.I am hoping to get this loan resolved and settled in a manner in which I can receive my title back. As the company falsified documentation without my consent and without asking me if I was in fact a XXXX XXXX XXXX which they did not! Thank you for your time and help in resolving this matter, I truly appreciate your willingness to understand the circumstance that I have unfortunately found myself in. .
09/06/2020	Yes	Payday loan, title loan, or personal loan Title loan	Was approved for a loan, but didn't receive money	SC 29403	Web
On XX/XX/XXXX XXXX XXXX went to TitleMax on XXXX XXXX to receive a loan I explain to them that I would have a lot but not American side of me and I would like for that to be paid off and you get the balance back myself which would be {$1300.00} for me the lawn ask your mom was {$3500.00} which would pay {$2100.00} to North American title loan and leave me with {$1300.00} at that time Miss XXXX told me everything what to type She said you won 13 back for yourself so you asked for XXXX thats what you put in the box I said what about the part to pay off for the other loan she said yes that would be done and it all goes together I did what I was towed after doing this the money was placed on a debit card giving From TitleMax on XXXX XXXX to me in the amount of {$2100.00} she told me that the loan was approved and that I was able to get {$2000.00} I asked her if {$2000.00} was for me my spending she said yes I said thats more than I asked for I also asked if the loan was paid to XXXX XXXX XXXX XXXX she told me yes and with it being paid I still would receive {$2000.00} after the money was given to me it was automatically taken back off and give it to XXXX XXXX XXXX XXXX Which was not what I saw actually the contract is just a new contract for a new law that says nothing about the pay out loud also the percent rate is XXXX South Carolina maximum interest rate is XXXX by law they shouldve not been able to take the money off the card after it was given to me it was told it was for me and that XXXX XXXX was paid off in XXXX then telling me that I have to Pay {$12000.00} and six {$.00} on a {$2100.00} loan I believe that I am a victim of predatory lending I believe she knew exactly what she was doing I talk to the supervisor MrXXXX XXXX he told me there was nothing he can do for me I told them I wanted to cancel the loan that same day they told me no the next day which was Saturday, XX/XX/XXXX I spoke with a supervisor by the name of XXXX XXXX and he told me to ask XXXX XXXX XXXX XXXX for the money back that would be the only way to avoid the lawn guy told him I did not give it to them so he would have to get it back here and then told me that all he can do is ask them to buy the loan back from them at this point I really do feel like I was prayed upon there are laws that have been broken within the contract there was another contract written without another contract being closed and I still have nothing showing anything about XXXX XXXX XXXX XXXX
06/05/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 30904	Web
On XX/XX/XXXX I called Titlemax after seeing their commercial stating " Get a title loan with Titlemax. '' I wanted to know how it worked and I was told that my car would be used as collateral so I scheduled a time to come in. I brought in the title to my car and explained I needed a small loan. After they inspected my car and took pictures and sent to the corporate office for approval I was told I was approved for approximately {$3000.00}. I only needed {$500.00} so that was what I borrowed. I was told the due date and amount I would need to pay the following month. So I made the monthly payments and as time went on I was enticed to borrow more and since I'm on Social Security Disability ( SSDI ) I often needed it. The problems began when I actually had to borrow money to pay the current payment. I had no idea or understanding that my payments were actually interest only payments and none of it was going to the principal balance. Once I called and told them my payment would be late because I only get my SSDI once a month they charged me a daily late fee plus additional interest. I once asked if I could change my payment date so it would be close to the time of my SSDI payment so I wouldn't be late on my payments again but I was informed that they could not change the due date. For someone on a fixed income/low income I was drowning in this title loan debt. There were so many fees, interest charges that always got higher and daily late fees that I could no longer understand or keep up with. Rolling over the title loan from month to month and never being able to bring down the balance I actually owed forced me to file chapter XXXX bankruptcy on XX/XX/XXXX as I needed some help with a more manageable payment plan that I could afford to pay based on my income. I would later find out that Titlemax didn't have to participate in bankruptcy proceedings due to a ruling by the US Court of Appeals for the XXXX Circuit Court. I find it appalling that they refuse to negotiate a more reasonable payment plan and would rather repossess my car than get paid even through a Bankruptcy payment plan. I am not trying to get out of paying what I owe but I think a more feasible plan is needed under the circumstances. It would be more cost effective to settle this outside of a bankruptcy court but if Titlemax is not willing to lower my payments so I can reasonably pay off my loan then I will have no recourse but to fight them in court.
07/11/2017	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	CA 95204	Web
TITLE MAX ( Company complaint is against ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Office # XXXX XXXX : TITLE LOAN ACCT. # XXXX To whom it may concern : My name is XXXX XXXX and I currently have an account that is in default with Title Max. They wish to settle the matter by payment of principal {$2500.00} plus compunded interest, which will be issued towards closing the account, and all further matters that relate to monies owed, whether principal or interest, and interest of ownership in the title and motor vehicle used to secure the loan. I understand that they are attempting to claim mostly principal with some interest, and maybe even some filing fees and document preparation. However, I recently spent time in XXXX XXXX and noticed that all their interest rates where no more than 7 % for the same motor vehicle title loans. I looked into the California Loan Usury laws, which brings the 14 % interest into question that my agreement with Title Max has set for an interest rate. I was unaware of the Law as the agreement only detailed a following : California Finance Lenders Law Div. 9 sec.2, and sec. 5 of the Federal Arbitration Act. Under California interest rate laws and Usury laws set the Legal Maximum Rate of Interest Loan/forbearance of any money, goods, or things in action, or accounts after demand-7 % or contract rate ( Cal.Const. XV 1 ) contract rate shall not exceed 12 % ( Cal.Civil Code 1916-1 ). Penalty for Usury ( Unlawful Interest Rate ) Contract or agreement for greater than 12 % shall be null and void as to any agreement to pay interest ( Civil Code 1916-2 ) ; debtor may recover treble amount paid ; willful violation-guilty of loan-sharking, a felony and punishable by imprisonment in state prison for not more than 5 yrs. or county jail for not more than 1 yr. ( Cal.Civil Code 1916-3 ). Interest Rates on Judgments set by legislature at not over 10 % rate ; in absence of setting of such rate, rate of interest is 7 % ( Const. Art. XV 1 ). I believe that this loan agreement should be viod due to the unlawful amounts set within the agreement, that violate Claifornia Interest Rate Laws and California Usury Laws. These type loan have been ruled in Nevada Courts as null & void, with Title Max being ordered to repay the borrowers. I feel this is a simular situation that need to be looked into and addressed. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX email : XXXXXXXXXXXX Phine : ( XXXX ) XXXX
06/12/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	CA 90731	Web
In XX/XX/XXXX I went to the XXXX XXXX, AZ TitleMax location XXXX XXXX XXXX XXXX XXXX, AZ XXXX. Prior to taking out the loan the representative asked about my line of work. I told her what I did and that my compensation included commission on sales made. The representative told me she needed my services which enticed me to take the loan knowing that the commission I could expect by having her become a client ( she also mentioned her XXXX XXXX could use my help and she would be referring them to me as well ). So I took the much needed loan because I expected to bring her on as a client and the commission would cover the loan. However ; after multiple attempts to reach her, she never contacted me back once the initial loan was made. She did however contact me to inform me I could borrow additional funds and explained that she hadn't been in touch because her boyfriend had been ill and she was taking care of him, but now that he was better she'd set an appointment so I could bring her on as a client ( and earn the commission ). I went to their office, they reissued a new loan with the additional money and the representative ignored my attempts to contact them again. For more than a year I paid this company over {$360.00} per month. I paid more than what was owed but couldn't maintain the payments, having fallen ill myself. I expected to have the loan paid off with the commission I would have earned had the representative not mislead me into believing she truly intended to become a client of mine. Had she not mislead me into the belief I'd have her as a client, I NEVER WOULD HAVE TAKEN THE LOAN. In addition, one of the requirements, which is MANDATORY is that you give a 5 star XXXX review just before they complete the loan process. Fast forward ... in XX/XX/XXXX my car was picked up and repossessed by TitleMax because they wanted an additional {$4600.00}. More that {$1000.00} over the original loan which. This amount was in addition to the more than {$4600.00} I already paid them. They have removed my vehicle from their system but conveniently kept my debit card information. WHY WOULD THEY HAVE MY DEBIT CARD ON FILE AND SHOW NO CURRENT OR PRIOR LOAN? BECAUSE THEY ARE UNETHICAL, EMPLOY SCAM ARTISTS, AND FRAUDULENTLY ENTICE CONSUMERS TO TAKE THEIR LOANS THROUGH DECEPTION. Which is reinforced by their removing my loan a This company and their representative should be banned from lending anything to anyone.
02/25/2023	Yes	Payday loan, title loan, or personal loan Title loan	Received a loan you didn't apply for	GA 312XX	Web
Title pawn issued by XXXX XXXX, who does not hold a license issued by the XXXX XXXX XXXX XXXX XXXX XXXX No disclosures provided as required by TILA, even after I requested Loan agreement did not contain following disclosure as required by Ga law. The loan agreement shall contain the following notice in at least 12 point type immediately above the borrower 's signature : 'NOTICE This is a motor vehicle title loan agreement. It allows you to receive loan proceeds to meet your immediate cash needs. It is not intended to meet your long-term financial needs When using this loan, you should request the minimum amount required to meet your immediate needs and you should repay the loan as quickly as possible to reduce the amount of interest you are charged. You will be required to pay the principal and interest on the loan in substantially equal monthly installments. You should try to pay even more toward your principal balance each month. Doing so will save you money. You are pledging your motor vehicle as collateral for this loan. If you fail to repay the loan pursuant to this agreement, we may repossess your motor vehicle. Predatory Lending practices and violations of EFT by unlawfully providing a loan I did not request and depositing into my unsecure customer portal without my request, permission or knowledge, refused to withdraw upon my request. Upon notice of unauthorized withdraw from that portal on XX/XX/2022, has not concluded or resolved exceeding time allotted provded in the XXXX act, refused to return title after notified of right to rescind after disclosures were not provided in violation of TILA, refused to return title or void Contract or forfiet any funds related to contract as required by Georgia law. 7-3A-3. 87 ( a ) No person shall engage in the business of making motor vehicle title loans in Georgia 88 unless such person is licensed by the department in accordance with this chapter or exempt 89 from licensure as provided in Code Section 7-3A-4. 90 ( b ) Any title loan made by a person without a license, unless such loan is made by a person 91 exempt from licensure, shall be void, and any right to collect any money in connection with 92 such loan shall be forfeited. The person making a loan voided pursuant to this Code 93 section shall promptly refund any money paid and return to the borrower the motor vehicle 94 title and, if applicable, the motor vehicle or its fair market value
06/07/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TN 37167	Web	Older American, Servicemember
I took out a Title loan in XX/XX/2023. Titlemax broke the loan into 2 parts. 1 part was a title loan and the second part was a flex loan. Both were {$2500.00} loans. I have made payments that started in XX/XX/2023 on the XXXX of the month ( Title loan ) and the XXXX of the month ( Flex loan ). Each month all payments have been made on time! Starting friday the XXXX day of XXXX Titlemax website has been down and the Titlemax cell phone app as well. Attached documents reflect that! I called the local office on XXXX XXXX to let them know the issue. On XX/XX/XXXX, I called the local office and ask why it was not fixed. I got a song and dance answer ... '' Our office is having issues as well ''. I can't view my account or make a payment using either the website or the cell app. The office suggested I pay over the phone. I asked " when will i get a receipt? '' Response was they will snail mail it to me. I have followed these payments for the past 3 months and I can not and do not have the ability to pay this loan off with the interest rates and fees that they are charging me. I am currently on Social security and have a limited fixed income. The interest rates were never discussed at the office when the loans were finalized. My flex loan monthly payments have actually risen each month and I have documentation to reinforce my allegations. How is that possible when I have made my past 2 payments on time. I was told the first 3 payments of each loan would be mostly fees and interest.3 % of the payment would be applied to the principal! Why is my loan payments rising each month of the flex loan if I am making payments on time? I would like to speak with someone about this matter. I called the local office again at XXXX on XX/XX/XXXX and got yelled at and told that she couldn't help me with the website issue and I asked for her district or regional/district mgr and she stated that could not give out that information and I responded well have them call me. Then she raised her voice and said that she didnt have time to mess with this and i responded dont talk to me that way, ,I will take it up with corporate and that I was done talking to her XXXX XXXX and hung up .I then called corporate office and got a no operator response and for me to leave a number and they would call me back., I am seeing a pattern of bad business practices and I feel I have been taken advantage of. Plz call me and discuss this.
06/25/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AZ 85353	Web
I am writing to bring to your attention a series of incidents involving TitleMax, which have resulted in multiple violations of the Equal Credit Opportunity Act ( ECOA ) and unfair loan practices. I would appreciate it if you could forward this complaint to the appropriate department for investigation and resolution. On XX/XX/XXXX, I took out an initial loan from TitleMax. At that time, I specifically requested a change in the due date to the XXXX of each month, as agreed upon with an in-store representative. However, despite this agreement, TitleMax failed to make the necessary adjustment, resulting in overpriced interest charges on the loan. In an attempt to rectify the situation, on an unspecified date, I made a larger payment of {$800.00} towards the loan. I explicitly requested that the remainder of the payment be applied to the principal balance. Regrettably, TitleMax disregarded my request and instead applied the payment as an additional interest payment, further exacerbating the financial burden imposed upon me. Recognizing the need for a change in the payment date, I contacted TitleMax on XX/XX/XXXX, requesting that the due date be shifted from the XXXX of each month to the XXXX. To my surprise, I was informed by a female representative at the store that I would need to refinance the loan to make this change. She directed me to go online to initiate the refinancing process. In compliance with her instructions, I made an additional payment of {$600.00} to complete the loan refinancing, expecting to achieve the desired due date change. Unfortunately, the result of this transaction was a due date set once again for the XXXX of each month. In an attempt to gain clarity and obtain copies of both the previous and new loan documents, I visited the TitleMax store on XX/XX/XXXX. To my dismay, the same female representative who had previously instructed me to refinance the loan denied my request for loan documents, preventing me from fully understanding the terms and conditions of my loans. These events have left me significantly disadvantaged, both financially and in terms of my rights as a borrower. I firmly believe that TitleMax 's actions constitute violations of the ECOA and unfair loan practices, as they have consistently failed to honor agreed-upon due date changes, misapplied payments to the detriment of principal reduction, and denied access to loan documents.
06/11/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 78249	Web
Today, I went to pay on a title loan that I got a year ago. The loan was for {$3500.00} and I have paid back approximately {$2600.00} with most going to high interest rates and fees. I still owe {$2000.00}. I was informed that the location that I initially received my loan from was no longer able to " finance '' me because the amount I owe is over the {$1300.00} they were able to loan. I was never given any notice regarding this change when I made my XXXX payment. Also, now I 'm very surprised because according to Title Max 's website they have this disclaimer regarding max lending as {$1300.00}. This has me very confused as to why they continued with my loan and allowing me to make payments knowing their max lending is {$1300.00}. I have paid on time and extra when I am able to so that I can be done with this loan. The customer representative there then informs me that since I still owe over the max allowed for their location, my loan was going to be transferred to another location outside of XXXX XXXX ordinances. The closest to me is in XXXX XXXX and I was informed that their rates are higher and therefore I would now have to pay {$390.00} a month at that location with very little of the payment going towards the principle. At this rate, I will pay more than what the car is worth for this rip off of a loan. The representative then informs me that if I want to keep the loan at the current location I will have to pay the difference of what I owe and their maximum lending amount, roughly {$740.00} plus my XXXX payment. Of course, I am not financially prepared for this because I have the documents for my XXXX payment which I was going to pay {$170.00}. I was offered an extension up to XXXX XXXX because I asked if I could get XXXX. I get paid XXXX a month and therefore I am on a very tight budget. Now I will have to pay additional fees plus the XXXX payment and {$740.00}. Title Max would not accept my XXXX payment because of those " changes. '' I will be in a financial bind because of these unexpected changes that I believe had every right as a consumer to be fully informed before the date of my XXXX payment. I believe these changes are fraudulent considering Title Max was fully aware of their lending policies. I am meeting my end of the contract paying excessive fees and interest rates. Title Max has violated these terms by not fully disclosing their policy and thus violating me.
04/13/2018	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	AL 360XX	Web
I originally had a title loan with XXXX XXXX of XXXX, AL in XX/XX/XXXX. On XX/XX/XXXX, when I made my payment to the store where I originally received the loan, I was told the next month my payment would be due at a different location, XXXX. When I started getting calls, I did not recognize the number and out of 7-10 received between XX/XX/XXXX and XX/XX/XXXX, I was left two messages that simply said " XXXX, please give me a call at XXXX '' with no other identifying information. On XX/XX/XXXX, I called the number back at XXXX, found out who it was, explained that I was leaving to go out of town, that I would be back on XX/XX/XXXX and I would be in as soon as I returned home. On, XX/XX/XXXX, my mother called me to tell me the title place was looking for me, I needed to call them, etc.. I called XXXX again at XXXX, explained I was still out of town, I had already made a payment arrangement, etc. I offered to make the payment while on the phone with my credit card and was told they could only take debit card payments over the phone. On XX/XX/XXXX, I received another phone call around XXXX, again I explained that I was out of town, that I had already spoken to two other people, and ask that they have their manager call me. On XX/XX/XXXX, at XXXX, the store manager XXXX called to tell me I was getting repeated calls because my account was late, her employees weren't authorized to make payment arrangements after an account was 5 days late, she didn't know who I spoke with because their were no notes on my account, I gave her the dates and times of when I had spoken to someone, and she said ( quote ), " okay, well there's no notes on your account so I don't know who you talked to but they can't make payment arrangements over the phone after your account is five days late. '' She proceeded to tell me that she didn't know how XXXX operated but her store didn't work that way, I needed to come in to make sure I understood how they operated, and again, I offered to make the payment over the phone, and she told me she didn't do phone payments at all, but to make sure I didn't break my payment arrangement. I have proof of dates and times when I spoke with their employees and first, they continue to call five times after my initial arrangemnt, they call my reference after my initial arrangement, and the manager basically calls me a liar when I tell who I spoke with and when.
07/13/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AR 72120	Web
I live in Arkansas and saw an ad online for a title loan from TitleMax. I applied and was approved online, then had to go to Tennessee to get the loan. I actually signed an agreement from my home in Arkansas and sent it online. I have two title pledge agreements. The first one originated XX/XX/XXXX for {$1000.00}. As of XX/XX/XXXX, {$1300.00} has been paid. The second one originated XX/XX/XXXX for {$700.00}. As of XX/XX/XXXX {$790.00} has been paid. Nothing has been paid since then. AR Short Term Loan Act prohibits lenders from accepting a title as collateral for a short term loan. Regular or online title loans are illegal in Arkansas. The TN Title Pledge Agreement was emailed to me in Arkansas, I Docusigned my signature and returned it. Therefore, part of the loan took place in Arkansas. My drivers license, license plate and title were all registered in Arkansas. They sent in to AR Dept. of Motor Vehicles to be able to be a lien holder on my vehicle. AR loans are capped at 17 % interest. These loans are 170.21 % APR. These loans are illegal and unenforceable under AR Short Term Loan Act. TitleMax received the money I borrowed plus 35 % interest on the first one and the money I borrowed plus 14 % interest on the second one. I wrote to TitleMax on XX/XX/XXXX asking for my title to be released. I received two letters back dated XX/XX/XXXX, stating that, We will NOT release the lien or return title until your account is paid in full Transaction # XXXX dated XX/XX/XXXX {$770.00}. Then, Transaction # XXXX dated XX/XX/XXXX {$900.00}. A copy of my letter was returned in the envelope with their two letters and its written in red, Denied. Those dates are definitely not right. I have my original Title Pledge Agreements. Title Pledge Transaction # XXXX is dated XX/XX/XXXX and Title Pledge Transaction # XXXX is dated XX/XX/XXXX. Plus, the first payment on the first loan was made XX/XX/XXXX and the first payment on the second loan was made XX/XX/XXXX. 8 payments were made monthly on the first and 6 payments were made monthly on the second. On the top of each page of the Title Pledge Agreements, it has Docusign Envelope ID numbers that prove they were emailed to me when I signed them. I need some help to get my title please. Not only were the loans illegal in the state of Arkansas, but their records arent even dated correctly.
07/18/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30087	Web
Upon taking out this loan, Title Max assured me that the interest rate would be 9.99 % to pay back the loan entirely. I was not informed that it would be more than that. I was not given anything to read just asked to sign electronically and XXXX stated she'd reached out to the regional director to get preferred pricing totaling 9.99 %. She spoke very fast and assured me that the overall interest would not exceed 9.99 %. I'd come into hardship after the government shutdown from XXXX of XXXX thru XXXX of XXXX and during that time became aware that none of my payments were applied to the principal and that the interest rate was more than 9.99 %. I'd paid thousands of dollars in interest. That was not what XXXX promised. It has caused further financial hardship to me that to date I've not been able to recover! I've worked out an arrangement plan with a manager in corporate resolutions to pay what I can until things get better and WITHOUT my vehicle being in jeopardy of repossession yet each time calling has not been a good experience. Their reps are intentionally refusing my payments. I'm being told they get incentive or monetary value for processing payments received. Low payments affect their incentive. This is not my issue. On XX/XX/XXXX, I made a payment with XXXX and XX/XX/XXXX made a payment with XXXX after XXXX ( a manager ) refused to make herself available to speak to or help me. Worse yet, both times my credit card number was taken, repeated back to me and after disconnecting, I later found out the payments weren't applied. Why'd they take my card number then? Was it safeguarded or shredded? This has to be a violation of my privacy if not. I was provided a confirmation last payment ( XXXX. This business practices are unethical. I'm getting calls repeatedly harassing me that I'd had to ask to be placed on a stop calling list. I've just gotten a call from someone telling me that my payments are being reversed because they aren't enough which was unprofessional. This is a scam! It was deceptive for TitleMax to tell me that the rate ( interest + principal ) is 9.99 % and then fail to disclose that it's really over 300 %. I feel that I've been taken advantage of severely. I would not have taken out this loan if indeed I'd known the truth. Please help!
06/26/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 78130	Web
Took out a title loan for {$1500.00} from Titlemax in 2019 for an emergency and have struggled every month to pay them back. The interest is out of this world and after making several months of payments, I noticed the balance had not decreased at all. I called to ask why and they informed me that I had only been refinancing the loan every month and none of what I was paying was going towards the balance. Would have been nice to know that up front. After being 10 days late, they charged me a {$100.00} late fee. Due to financial circumstances, I was late pretty much every month except 2 ... out of 29 months total. So about {$2700.00} in late fees. I have tried working something out with Titlemax and they won't work with you. They would threaten repossession every month after that XXXX day of being late. I have searched high and low on how to get away from these predatory loans and nothing has been of any help. I have paid over {$10000.00} to Titlemax for a loan that was for {$1500.00}. I filed a complaint with Texas office of XXXX XXXX XXXX, waited several weeks and the only response I got from Titlemax was an offer to settle for {$1000.00}. I have no access to any documents, I can't log in to my account online, and I am scared to call them incase they start looking for my car again. They still have the title to my car and I need it but can't pay them the {$1000.00}. I refuse to give them another dime regardless. I found XXXX document from them in an old email and after reading about the late fees, I realize that I was paying illegal fees the entire time. XXXX reads late fee will be {$7.00} or 5 % of the scheduled payment amount ( whichever is greater ) and that does NOT equal {$100.00}. There's no explanation for the extra added fee amount anywhere in the contract and that is illegal. I also noticed fees that say {$0.00} and then later in the contract, it says the fees are included into the total amount ( so I have no idea what the amount of the fees are ) but they can collect interest on the unknown fees. I am also aware of the class action lawsuit they just lost due to their illegal lending practices. It has been 4 years now, I need my title, and again, I have paid over {$10000.00} on a loan that was {$1500.00} and I am not giving Titlemax another dime.
01/02/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	NY 11203	Web
I was giving a XXXX dollar loan with XXXX XXXX XXXX in the year XXXX. I was on time with my payments however I fell a little behind. I still kept in contact to figure out solutions that could better help me pay them back. However, I was in contact with a women name XXXX the XXXX or the XXXX of XXXX and she spoke with her manager " guy '' and she said that he stated they would offer me a XXXX dollar settlement. They said the payment would start XXXX XXXX of a payment of XXXX and XXXX XXXX XXXX, XXXX for the last payment to seal the deal. They stated my car would not be towed. However, my car was towed before the deal began which was towed XXXX XXXX, XXXX at wee hours of the night. I called to decuss with XXXX that we made a deal for XXXX and she stated that now I would owe XXXX but they would give me a deal of XXXX to get my car back. As I read online after the car has been towed they are not suppose to charge me interest fees. Today I called XXXX XXXX, XXXX and spoke with XXXX and I told her by law they are not suppose to charge me interest after the car has been towed and she said my balance would still be XXXX plus more. But they gave me a settlement of XXXX. I only took out a XXXX dollar loan. I also asked if she could email me or send me the fees of what they are charging me and she said No. she stated they would only send me a copy of my contract. XXXX also stated once I gave them the XXXX dollar then I would get a receipt but she stated they do n't have to send me anything regarding the fees that are charging me for. I also stated to them if they sold my car they would have to give me my remaining balance after XXXX would be taking. XXXX stated that even though they gave me a deal of XXXX I would still only get the remaining balance after they took XXXX from the money for the car. I felt that their is no consistency in what they are saying they have all these different prices but they are also stating they would not send me my fees in writing or anything. The only thing they said they would send me is my contract. Then I called the tow place the tow place told me I would have to pay XXXX for my plates and XXXX for my items. They are not being fare with me. If the deal was for XXXX that 's what suppose to be the deal.
03/07/2023	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	GA 312XX	Web
XXXX XXXX I Notified XXXX XXXX OF AN UNAUTHORIZED WITHDRAWAL, FROM AN UNAUTHORIZED DEPOSIT FAILED TO INVESTIGATE. CREDIT ACCOUNT DURING INVESTIGATION OR NOTIFY. Failed to provide mandatory disclosures required or permission to create and deposit funds into portal for EFT transactions according to EFT ACT. Re : Account ending in XXXX. Investigation Results Dear XXXX I am writing to request an immediate update on the investigation into the unauthorized transaction that was made on my account on XX/XX/2022. As per our previous conversation on XXXX XXXX, I was informed that an investigation was being conducted to determine the source of the transaction and to rectify any potential issues with my account. However, it has now been more than two months since the investigation was initiated. and I would like to remind you of the time allowed for initial requirements and penalties for non-compliance with 15 USC 1693m. Credit account within 10 days of consumer notification the amount unauthorized. Notification to consumer in writing of investigation results, no longer than 3 days after conclusion of results. If a financial institution fails to comply with the requirements of this statute, it may be liable for actual damages, statutory damages of up to {$1000.00}, and treble damages in the amount of the actual damages or {$5000.00}, whichever is greater. As a customer of your institution, I have the right to know the status of this investigation, including any actions that have been taken to prevent similar unauthorized transactions from occurring in the future. Additionally, if there were any charges or fees associated with the unauthorized transaction, I expect to be informed of the steps taken to refund these charges. As a reminder, I have previously provided you with the following information : The date of the unauthorized transaction The amount of the unauthorized transaction The specific details of the transaction I urge you to provide me with an immediate update on the investigation 's status and let me know the expected time frame for its conclusion. If there are any updates or changes to the timeline, please inform me promptly. Thank you for your attention to this matter. Sincerely, XXXX XXXX
05/19/2020	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	NJ XXXXX	Web
Based on my previous letter dated XX/XX/XXXX, the District Director of Operations of TitleMax called me and informed me that a ) the vehicle was in excellent condition and that they could sell it at auction to recover the amount owed or b ) they would accept my offer to pay {$7100.00} to return the vehicle to me. Based on this discussion, I agreed to option b. 1. On XX/XX/XXXX, I made the payment in person to TitleMaxs XXXX store. TitleMax representative, XXXX XXXX XXXX signed the release agreement. 2. I picked up the vehicle from XXXX XXXX XXXX in XXXX, NJ where TitleMax had sent the vehicle for auction. I observed them move the vehicle from the lot to the parking lot using a forklift despite me having the keys to the vehicle. 3. On XX/XX/XXXX, I took the vehicle to XXXX of XXXX for scheduled maintenance. They informed me that the vehicle had been damaged due to improper towing. Both front and rear control arms are damaged due to the forklift or the original towing company mishandling the vehicle. An exhaust bracket is also damaged and needs repair. The damage assessment and estimated cost is attached. This damage has caused abnormal wear and tear on the tires. 4. There is also minor damage in the trunk and front driver door area where TitleMax or its agents attempted to open the vehicle upon repossession. I contacted Titlemax in writing on XX/XX/XXXX and XX/XX/XXXX to ask them to pay for repairs. As per their reply dated XX/XX/XXXX Titlemax agreed to pay XXXX of XXXX the sum of {$1000.00} to repair these damages. However, despite repeated attempts to contact their store in XXXX to arrange to sign the release documents I was told that no such arrangement to make payment had been made. I then contacted them in XX/XX/XXXX and again in XX/XX/XXXX and they replied on XX/XX/XXXX and asked me again to visit their store in XXXX ( 3hrs from me ) by XX/XX/XXXX. Covid-19 lockdown started on XX/XX/XXXX in XXXX and I doubt their store is even open. No one answers the phone there. Nor does the Regional Manager, XXXX XXXX answer. I have written to them on XX/XX/XXXX and XX/XX/XXXX asking them to send me the release documents via mail or electronically for signature but they have not responded.
06/06/2023	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	FL 331XX	Web
Originated loan XX/XX/XXXX with InstaLoan ( XXXX XXXX ). I immediately defaulted. Made payment arrangements and started to make payments in XX/XX/XXXX. Defaulted again in XXXX. Vehicle was illegally repossessed by means of breaking entry, trespassing and vandalising property ( local police case was filed same morning ). Recovery agent unhinged and damage my XXXX double gate, traveled inside property over XXXX ft to get vehicle from under car port which is under the roof of house structure. Damaged tiles on floor with lift from tow truck as well. Partially hinged gate back up after he exited property. I paid vehicle off within XXXX hours and they initially waived the {$400.00} recovery fee in lieu of events that transpired inside my property. I was finally able to pick up vehicle on third day and it had considerable damages to the lower front end as well one of the rear rims, the cooling fan to the radiator. I have already repaired the cooling fan to assure that is mechanically worthy ( {$550.00} ). The cosmetic repairs are pending ( another $ XXXX in damages ). All things that delineated upon pick up, including an envelope with {$3200.00} from my client that I perform accounting/HR services for on a weekly basis that was in the driver door. I filed a claim with XXXX XXXX who is there principal recovery service and they had assigned it locally to XXXX XXXX and XXXX. The claim for damages was denied and a complete waste of time. I called to find when I would be receiving my title and they advised it would not be released without me paying the {$400.00} recovery fee that was initially waived or without my signing a XXXX XXXX, which includes a full hold harmless clause in the first XXXX paragraphs. I refused naturally, but yet my account was settled in full. I have not title to my vehicle and certain that after XXXX days, it will once again put me in a position of default making my vehicle and my property eligible to be target again for a recovery. The recovery agent is case being viewed as XXXX, but the case is being reviewed as the XXXX clearly didn't occur in my property without Breaking Entry, Tresspassing and Burglary to Occupied dwelling.
05/05/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 304XX	Web	Servicemember
On XX/XX/XXXX I needed some money to pay for auto repairs on my truck. I went into Title Max, located in XXXX GA, to Pawn the title to my truck. The worker somewhat explained the agreement. The loan was for the amount of {$2700.00}. The worker advised me after making all my payments, with interest included, that it would be a total of {$3200.00}. That amount is also stated in my agreement. While the workers were getting the agreement together they advised that Book Value of my truck was about {$6000.00} and if I was to sell it would that be the price I sold it for. I told them yes. I have been making the minimum payments a month. Since XX/XX/XXXX to today 's date, XX/XX/XXXX, I have paid over {$3600.00}. Well over the so called " final amount '' to be paid. I contacted Titlemax to which they advised me when I made the minimum payment each month I was " resigning '' my agreement and getting hit with more interest fees. I told Titlemax that I was going to be obtaining an attorney to which they hung up on me. After paying Titlemax XXXX they advised that I still owed {$2300.00} on my truck. In XXXX of XXXX my truck was repossessed because I refused more money for my title when I already paid well passed the {$3200.00} that they told me. After my truck got repossessed I got a let notifying me that I had 60 day to get my personal items from the truck but there was no address of were to go to get my items. In XXXX of XXXX I contacted Titlemax to asked were to go to get my personal item but they told me that due to me telling them I was getting an attorney that they could not tell me anything on where my truck and personal belonging were located at. I have contact Titlemax several other times but was not getting any information from them. To this day XX/XX/XXXX I have not heard anything from Titlemax. If I was to pay the remaining balance of {$2300.00} I would of paid {$6200.00} on a {$3200.00} loan. I also can not access my account and agreement on the Titlemax website to provide proof of my agreement with them. I am assuming that they sold my truck and got rid of my personal item which my items in my truck were valued over thousands of dollars.
03/09/2020	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TX 763XX	Web
Titlemax I feel set me up for failure in regards to my car. Lender regulations state the Lender must verify income, check expenses to see if borrower can repay the loan by the due date. Clearly a single mother who made {$10.00} hrly could not afford a {$510.00} interest payment alone muchless pay down the loan. XXXX knew I had been having an issue coming up with that outrageous rate, my son had been in a serious XXXX and I made her aware of this. I also brought to her attention that no one verified my income to see if I am even able to afford such interest, no one verified my insurance and no one offered to help me at this time or offer me a way to keep my car. My car was taken Wednesday XX/XX/20 and no one contacted me to tell me where my car was or where I could get my belongings. Three days went by and still I had heard not one thing! I finally contacted XXXX and was told her hands were tied and she couldnt help me save my car. When speaking to the tow company he personally told me XXXX is the one I would deal with as she is the one who sends him to pick up the cars. She basically avoided dealing and helping me. This is our only transportation to and from work and school. My car is now being sent to XXXX to be auctioned off and I have yet to get any help from Titlemax or offer a way I could afford in paying for the loan. My car is worth {$10000.00} and my loan was only for {$3500.00} with an interest of {$510.00}. Ridiculous crooks! So because of their unfair business tactics and not willing to work with me to keep my car, Im out {$10000.00} and thats exactly why my income was never verified and I was set up to lose my car. The fact that she knew I was struggling to make those high of payments and not one time offer any kind of assistance to help, shows how low and crooked this company and XXXX are. When Texas band this practice I hope she looses the shirt off her back for how this affects my family and her inconsiderate attitude. She basically trapped me and I hope this company gets sued til they have nothing left. When she knows the regulations and she doesnt abide by them, then she personally owes for my car.
11/29/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	TX 75217	Web
In XX/XX/XXXX I took out a Loan for XXXX $ from Titlemax. The amount i was to repay was under XXXX . I Refinanced it in XXXX but online was given the option to get more money, There was no mention of switching locations OR that the terms of my loan would change. The New Loan had a different financial institution. Originally it was XXXX XXXX, and then it went to XXXX XXXX. When i spoke to the initial office i signed my paperwork with, they stated it was a due to the location of the Titlemax office and that my loan. I asked if it could be switched back and i was told no. XXXX Charged me XXXX to payoff my loan with the other title max location and my total loan was under XXXX $ it had only been 30days. In My new paperwork in XXXX showed that i financed over XXXX . And my first payment to then was over XXXX $ in interest and my original payment was under XXXX. My paper work showed my payoff was around XXXX. In XXXX or XXXX i paid around XXXX $ and my balance for the past 6months has stayed around XXXX . the monthly fee charged is XXXX.to XXXX and the interest to title max is under XXXX . In XXXX XXXX letter came from XXXX that they could no longer provide me financing due to my credit score. They run credit every time they refinance their existing loans. So i asked for information from the Titlemax office on who is my finance co. And would not sign the refinance paperwork. I did however make my payment. Today at XXXX XXXX my car was towed out of my driveway of my private residence which i have since learned is not allowed in Texas. I was not provided any documentation telling me who picked it up and where i could retrieve my vehicle from. When i spoke to the title max office 2 weeks ago i was told i was past due because they are still charging me interest on my XXXX payment due to non signing. This is twice this has happened. My currently balance is almost XXXX $ higher than 2 weeks ago. I have not been able to get anyone on the phone with the title max office to find out how to retrieve my vehicle. I had to walk my daughter to school this morning, and will have to walk to pick her up. in XXXX because because
04/22/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX XXXXX	Web
I contacted Titlemax of Texas d/b/a Titlemax to obtain an auto title loan on my XX/XX/XXXX chevrolet silverado XXXX L/S pickup for the sole purpose of paying off a title loan from another auto title loan business and used to proceeds of that loan to pay off existing financial obligations. The representative at Titlemax approved me for more than I needed telling me that the interest rate and monthly finance payment to refinance the loan were cheaper. So I proceeded to take out the loan, unknown to me at the time I had to pay the entire loan back within the next 30 days or pay the refinance fee plus daily interest and late fees if the payment was made within 10 days past due. ( FALSE ) Titlemax started charging me daily interest on the interest the loan accrued after the payment due date, resulting in a higher payment to refinance the loan. I asked Titlemax if I could pay the loan back in installments to pay the loan off, they refused. I asked Titlemax if they accepted partial payments on the loan again they refused. I asked Titlemax what were my options, they stated pay the refinance fee plus the daily interest and late fees on the loan or pay the entire balance of the loan plus daily interest and late fees or have another title loan business pay the loan off or surrender my vehicle .Titlemax of Texas is charging me interest upon interest on a loan they know I ca n't pay back in 30 days due to the fact I am XXXX and on social security. This action is in violation of the TEXAS USERY LAW. Neverless to seek a resolution to this situation I unwillingly surrendered my pickup to Titlemax of Texas to relieve the burden of the phone calls requesting payment of the loan. When I surrendered my pickup to Titlemax they requested me to sign an agreement with them allowing them to dispose of my pickup without notiftying me of the date and time of the sale. I now have 14 days from XX/XX/XXXX to pay the loan balance plus daily interest, plus late fees plus the refinance fee and daily interest or they will proceed to dispose of my pickup without notifying me of the date and time of sale. PLEASE HELP ME!!!!!!!!!!!!!!!!!!!!!!!!!!
12/28/2016	Yes	Consumer Loan Title loan	Can't contact lender	GA 30236	Web
This is the letter that was sent to Titlemax headquarters and the actual store on XXXX XXXX in XXXX, GA : TitleMax XXXX XXXX XXXX XXXX, GA XXXX Dear Title Lien Holder, This is in regards to your former customer. She filed Chapter XXXX bankruptcy on XX/XX/XXXX, case number XXXX which included the account with your company. The bankruptcy was discharged XX/XX/XXXX. The filing of the bankruptcy automatically stays certain collection and other actions against the debtor and the debtor 's property. The bankruptcy trustee chose to abandon this asset because it was not worthwhile to sell. This created a non-possessory lien which means that the borrower retains possession of the collateral. This was a non-purchase money lien, meaning the money she borrowed was not used to buy the item. The trustee in the above styled case has filed a report of no distribution and said Trustee has performed all other and further duties required in the administration of said estate. The said estate is closed. In the State of Georgia, there is an exemption up to {$5000.00} in equity in a car or other vehicle. The following test would apply : Is the car a tool of trade, not used primarily for personal, family or household use? The State of Georgia allows an exemption of the current market value of the car Under the title loan agreement, did she retain possession of the car? Did she already own the car when she got the loan ( that is, she did not obtain the loan in order to buy the car ) XXXX XXXX meets the means test ; therefore the title lien is nullified. Please process the lien release and return the title to her within 7 days, we are prepared to seek further legal action if necessary. I have requested the title for over a year now and Titlemax will not give me the title. The car is not running and I need to sell it and I advise Titlemax of this. They also refuse to come get the car even though it is too late. Please help! Thank you! Also stopping by my friends house on XX/XX/XXXX @ XX/XX/XXXX and stopping by my place of employment looking for me and divulging all my information to my references and my friend and employer.
01/23/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	MO XXXXX	Web
On XX/XX/XXXX, I obtained a title loan from Title Max using my XXXX XXXX XXXX as collateral. I am a XXXX XXXX XXXX and I had to use the funds for temporary housing to flee a very serious situation. I was unable to make the payments due to the fact that I have had to be on UNPAID crime victim leave to relocate for safety reasons from my employer numerous times since the loan originated. On XX/XX/XXXX, I was sent the First Notice of Default and Right to Cure from the lender. The vehicle was ultimately repossessed in XX/XX/XXXX, however I brought the loan current XX/XX/XXXX and regained possession of the vehicle. I would like to interject here that the recovery company held my vehicle for 3 days after the payment was made to the title company. At the time that the loan was brought current, the representative at the title company set up an appointment for XXXX XXXX the next morning for me to pick up the vehicle from the recovery company. The recovery company called me the next morning and told me that they could not keep the appointment because they did not know where my vehicle was located. In actuality, they would not release it to me because they had not yet processed it on their end although it was paid and I had the legal right to take possession of the vehicle. They told me to leave their establishment after I called law enforcement on XX/XX/XXXX, when I went to their establishment as instructed by their employee, with all documents required for release and they REFUSED to release my vehicle because they were closing in 40 minutes. They still did not release it for several more days as they require an appointment and claimed to be booked. Again, due to my domestic situation I was unable to continue making payments. The vehicle was taken into possession again in XX/XX/XXXX. However I never received the second Notice of Default and Right to Cure required by Missouri law before they took possession. I was not given the right to cure the default and I also have not received ANY type of correspondence from them since they took possession of the vehicle.
04/12/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 30606	Web
I got a title loan in Georgia then I XXXX XXXX XXXX because of covid and job loss, I continue making payments to TitleMax in Georgia even when I really wasn't supposed to because I did not live in that state. Every time I make a payment to Title Max it states I need to be in that state to make that payment. It's easier to make monthly payments than it is to pay off the loan because of the predatory style loan that's set up for people who are in desperate need. Last time I made a payment to TitleMax was on XX/XX/XXXX of 2021 for {$800.00} that next month on XXXX they repossessed my car, my child car seat was in that car and they took it about 2 hours away from where I lived at the time in virginia. Ive been very transparent to the store manager in Georgia I believe his name was XXXX XXXX on XXXX XXXX XXXX in XXXX Georgia. I was not able to get the car the same day it took a few days before I was able to come up with enough money to pay off my loan, I had to ask friends and family and a lot of people for help. This loan that was set up was easier to make monthly payments and the loan will renew itself if you continue to make monthly payments the monthly payments are easier to pay than it is to pay off the loan. TitleMax knows this is the predatory style loan they know they were praying on Desperate people and it wasn't right for what they done I was very transparent to everyone at TitleMax involved yet they still repossessed my car and made me suffer and have loss of income. I asked TitleMax the show proof of monthly payments I made to prove that I overpaid my loan, I would like TitleMax to fix this and reimburse me at least for something because of all the problems I have had with them and because of all the fake reviews at the store. I was required to put a five-star review after I receive my loan from the store manager. I go on XXXX reviews and everyone has put in five stars there's a reason for that. it's not because TitleMax has a good business model it's because they're required to by the store manager, the reviews are not real.
12/29/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TN 380XX	Web
On XX/XX/XXXX I took out a loan with XXXX XXXX for {$1000.00}. I was expecting to receive some money from another source to pay the loan off my the time it was due on XX/XX/XXXX. That fell through and I ended up having to renew the loan instead. I went to the office to inform them of this they said no problem, just make payments. I asked if I needed any additional paperwork. I was told just make a payment, after receiving a letter from them by mail telling me how much. Well, I have made my payments every month for 7 months. I have been late a couple of times, but I was told to just come to them in person, before the due date to arrange a late payment, which I did each time. I was never given any additional paperwork, except payment statements, by mail. They would just put what day I was going to pay in the computer. I have paid a total of {$1300.00}. I have a XXXX XXXX XXXX. I have tried several times to get other companies to pay off the loan, so that I can get out of this mess, but they all told me that my car is only worth $ XXXX {$900.00}. Therefore they could not help me. I just continued to make my payments and I am current on the account, but they still say I owe them {$930.00}. I will have paid them over {$2000.00} for a {$1000.00} loan. I never signed anything agreeing to pay that much for the loan, I just defaulted into monthly payment, due to not being able to pay it back all at once. On XX/XX/XXXX, I called the office to speak to somebody about a settlement. I basically got the run-a-round and was told that I would be contacted later, but later never came. I understand that when you borrow money, you have to pay it back, but they are really taking advantage of people and bleeding them dry. Something has to done about this. This has put me in worse shape than I was in the beginning. The monthly payments range from $ XXXX $ XXXX/month and the day it's due changes. I feel that I have paid enough and the loan should be consider Paid-In-Full and I should get my title back. I will NEVER do business with them again!!!
10/13/2017	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	GA 30122	Web	Servicemember
I took out a loan against my car title in the amount of {$800.00} with my local Titlemax because I am on XXXX XXXX XXXX and had some outstanding medical bills that needed to be paid. Well, I struggled and paid the minimum payment due each month ; once having to take out an additional loan amount in order to make the payment. About 8 months into the loan the car broke down and I had it towed a local mechanic. After a thorough inspection it was discovered the engine was blown. I incurred and paid a {$400.00} repair bill just to find out the repair was gon na cost about {$2000.00} dollars. Knowing I did n't have nor want to put that kind of money in that car, I immediately called Titlemax to inform them that they could just go pick up the car because I would no longer being paying on the title loan. At that point I had probably paid back close to the originall amount borrowed. Weeks later I get a call from the mechanic that no one ever came out to pick up the car and that I now owes him a grand in storage fees. He said I could sign the title over to him in lieu of the fees. Once again I contacted Titlemax and was given the number for their corporate office and was told to contact their office. After explaining the situation to the person at corporate I was told they did n't want the car but they could give me a reduced payoff amount and that once it was paid they would release the title and I could forward it to the shop. Since I had already paid the majority of the principal back I assumed they would drop the remaining interest and just charge me the remainder of the principal. I just about had XXXX XXXX when she said they would take a one-time payment in amount of XXXX dollars!!! I told her I was n't gon na pay that much and they could go pick the car up from the shop like I asked them to do in the first place. I had n't heard anything in month then I receive a letter in the mail asking for a payment. What legal actions if any should I take at this point to get them to write off the remainder of the loan?
02/01/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	GA 310XX	Web
I got a loan from a Payday/Installment Business Place in XXXX GA. When I took the loan out 3 mos ago they told me that it was an Personal installment loan and i agreed i didnt have to put any of my stuff up the man behind the counter told me he already took care of that. I asked him and he showed me a paper of many items on a list I told him that I dont own any of that and he told me dont worry that he makes up paper work all the time so he told me my 1 st payment will be around {$70.00} dollars because I am on SSI check I get once a month. I get {$680.00} to live on a month for myself and my younger son. I went into pay my 1st payment and since i was 1 day early I had to pay a fee of {$110.00} that upset me I asked the lady where that man was that took my loan app. And she said that he is not with the company anymore so they moved me from a installment loan to a XXXX payday loan how could they do that without telling me until the last minute this is very wrong I could not pay {$700.00} back to them so the lady told me that she will keep my payments low. On XXXX XXXX XXXX I called Insta Loan in XXXX Ga, and told them that I am sending a friend in to pay my payment of {$70.00} I told them I was sending a little extra of {$80.00} dollars The lady was very very rude to me she said that since I was paying early that I had to pay {$90.00} and if I didnt pay that it will cost me each day of being late {$35.00} dollars. They have called me everyday for 10 days now and told me that I have no rights. They called me day and night and even on there own cellphones. I called then yesterday XXXX XXXX XXXX and the lady at Insta Loan told me that if I did have {$200.00} she was so rude to My nervers are falling apart what can I do I am being charged double then I borrowed this is so wrong they are treating me like I am dirt. Today is XXXX XXXX XXXX I owe a payment of {$250.00} I could only pay {$100.00} dollars and I am afraid to go to the Insta Loan knowing that they will treat me very ugly. Thank You.
11/01/2017	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	CA 92614	Web
On or around XXXX XXXX, XXXX I visited a XXXX XXXX location in XXXX, CA. At that time the staff was welcoming a friendly and informed me that I was eligible for a loan of {$2600.00}. After they took fees from that amount to register the car and other fees I walked away with {$2100.00}. I made 1 or 2 monthly payments in the amount of {$390.00} before I took my income tax money to pay them off in full around XXXX XXXX, XXXX. At a later date around XXXX/XXXX/XXXX, I ran into another hardship and reapplied for another loan. This time they did not charge me all of the other fees but gave me a check for {$2600.00}. None of the employees or affiliates informed me that every time I make a monthly payment that more will be applied to the loan if I do n't come in and pay {$3500.00} in total at one time. Daily interest of {$10.00} + accrued even though monthly payments were being made which has placed my family in a financial hardship. After speaking with the employer I learned that I would have to pay them nearly {$15000.00} before my loan would be paid off if i " wanted '' to continue to pay monthly fees. Again, none of this was explained to me at the time they reassured me that I can just make monthly payments until I reach {$3500.00} to pay them back. Out of good faith, I reached out to the employer and asked them to refinance the loan so that I can afford the monthly payments until I am able to come in with a large lump sum when I get my income taxes. The manager XXXX XXXX stated that I would have to come in with the Monthly payment plus the daily interest estimating in an amount of {$770.00} in order to refinance the loan to a smaller monthly payment amount. I could not afford it and have been forced into a financial hardship. Currently, the vehicle is a total lost according to my insurance company " XXXX XXXX '' and the insurance agency is ready to pay me out. Unfortunately because XXXX is the " XXXX '' the insurance company is asking for my signature to send the check to XXXX Please help!
01/19/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TN 37115	Web
On the date of XX/XX/XXXX I went to TMX Finance LLC dba TMX Finance of Tennessee , Inc dba TitleMax to receive credits and satisfy the entire price of the service via a consumer credit transaction pursuant to the Truth In Lending Act. During that same date agents belonging to TMX Finance LLC dba TMX Finance of Tennessee , Inc dba TitleMax made material presentments and furnished deceptive forms as to nature of the contract when they presented me a " pledge agreement XXXX XXXX '' with the intent of utilizing the par value in conjunction with my signature on the application as a draft to create new money on their accounts which satisfied the credit extension and the finance charge which is the sum of all payments pursuant to15 U.S.Code 1605 ( a ) for the credit extension causing deceit of the nature of the agreement in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits unfair or deceptive acts or practices in or affecting commerce. because they extorted me to compel to perform for payment that was already satisfied. The contract being void ab initio because of the fraud performed. Therefore there is no agreement of the debt neither did TMX Finance LLC dba TMX Finance of Tennessee , Inc dba TitleMax have the right to assume anymore a debt wherefore collection could be made. TMX Finance LLC dba TitleMax of Tennessee, INC. d/b/a TitleMax further harmed my estate, damaged my marriage by way of my reputation, and committed theft against me by way of taking my vehicle ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by way of their self described " repossession '' and engaged in human trafficking pursuant to ( 22 U.S.C. 7102 ( 11 ) ( A ) ) of my XXXX XXXX Person, and violated my right to privacy pursuant to 15 U.S.Code 1692 ( a ) when they trafficked my person to the unverified Tow Company without my express written permission. Please see the full attachment of the correspondence via the mail that I gave to TMX Finance LLC in the attached links.
10/12/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Loan payment wasn't credited to your account	IL 60174	Web
I was in dire need of money to pay for rent, so on XX/XX/XXXX I went to TitleMax in Wisconsin where they gave me a loan for {$2500.00} against my XXXX XXXX XXXX XXXX. In XXXXXXXX XXXX XXXX I called XXXX to find out how much my the pay-off amount would be for my XXXX XXXX XXXX and to my surprise it was more than what I had actually borrowed even after making 6 months worth of payments to them. I didn't understand why it was so much since I was paying them {$310.00} a month, but obviously the monthly payments I was paying for went to the excessive interest TitleMax was charging me and nothing was going towards the principal amount of the money I had borrowed against my vehicle. In XX/XX/XXXX I had XXXX XXXX and was off for XXXX weeks and my financial situation took a turn for the worst. Anyway, I wasn't getting a paycheck and things got behind to were I wasn't able to make my payments to TitleMax. Now, my children and I have been displaced and I am three months behind in paying for my vehicle and fear that they will repossess my car making it difficult for me to find a way to support my children and I. I have called the Illinois Attorney General office for help but they stated that TitleMax is no longer located in the state of Illinois and because of that reason they couldn't assist me, since they didn't have jurisdiction over them in Wisconsin. I also have another vehicle in for rent on XX/XX/XXXX from the same TitleMax in Wisconsin that was used as collateral. It's a XXXX XXXX XXXX that is jointly owned by my boyfriend who not only has major XXXX XXXX, but was on workmans comp from XX/XX/XXXX until XXXX which is behind and in danger of repossession as well, which he uses to get back and forth to work. The loan situation is the same excessive interest rate with the monthly payments not going towards the principal amount owed. Both vehicles are in my name with TitleMax, with my boyfriend signing a release form for the title of the XXXX XXXX, since it's jointly owned.
05/14/2022	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	IA 52806	Web	Servicemember
Hello, In early XXXX I took out a loan with TitleMax while living in XXXX, XXXX and paid it off successfully. I was very happy with their services and even borrowed from them via a Visa/Debit card using my vehicle as a form of collateral. Again, I paid the debt off in full, received my title back and was very satisfied with my experience with TitleMax. That was in the state of XXXX Fast forward to early XXXX, while now residing in XXXX, XXXX, I once again found myself in dyer need of some extra funds. I thusly sought out TitleMax once again - to borrow against my vehicle. This time however, I WAS SCAMMED IN EVERY SENSE OF THE WORD!!! I phoned the nearest TitleMax store, which turned out to be located across the state line in XXXX XXXX, XXXX. When I went there with my spouse in tow, everything SEEMED to go fairly smoothly! I explained several times that I successfully borrowed from their company while living in XXXX AND that I WANTED THE SAME TYPE OF LOAN, because I needed TO BORROW AROUND THE SAME AMOUNT OF FUNDS, WITH THE SAME INTEREST RATE ETC.!!! We were assured that THIS WOULD BE POSSIBLE and that as long as my vehicle was in good condition and had no leins on it etc., etc., terms would be similar to my last loan. I think we had to make two trips back to TitleMax to complete all the paperwork and pick up the check! HOWEVER! LATER ON I WAS LEAD TO BELIEVE THAT I NEEDED TO SIGN AN ADDITIONAL FORM ONLINE! I DID THAT! WHAT I DID NOT REALIZE WAS THE TERMS WERE NOT THE SAME AS THE LOAN IN XXXX!!! EVEN THOUGH THE AGENT WHO WAS WORKING WITH ME ASSURED ME THEY WOULD BE!!! Long story short, TitleMax IN THE STATE OF XXXX, played me for a fool! They want me to pay over {$10000.00} in interest on an approximately {$3700.00} loan!!! Do I have any recourse this matter? I have already paid them almost double what the original loan amount was and more than the original sale price of the SUV! ENOUGH IS ENOUGH!!! Thank you.
05/16/2022	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	GA 30307	Web
This loan was created in XX/XX/2021 under misguidance and fraudulent terms. During the duration of the loan, upon my making monthly payments, there were multiple accounts with this creditor created in my name, without my consent. I have on document multiple account numbers for the same loan. In addition, I signed the original contract with TitleMax, but documentation notes that the contract is with XXXX XXXX, XXXX. and another agency. The TitleMax Manager that created my contract noted my physical appearance, height, weight, nationality, etc illegally. I did not consent nor did I volunteer this information. When I learned of these and other discrepancies, I immediately requested each contract signed because I had never received them. In addition, I mailed certified documentation noting that I was opting-out of their arbitration clause as instructed in the contract. I did also mention that I was in pursuit of legal assistance to resolve the matter. After some time, perhaps a few weeks after I refused to make payment and pursue it legally, a legal team director, I believe called me and offer a settlement of {$8500.00} within a couple weeks time. I told him that I would need some time to get back to him on the timing and amount. I did not call him back until the day I was to sell my vehicle. He told me that after our first conversation, he submitted documentation that I had agreed to his quote. I never agreed. I was prepared to sell my vehicle and pay cash to end the loan, however the entire company stalled when I asked for a Payoff Agreement. I could get no resolve from store management, neither the legal team director in Ohio. They stalled for time over and over again, and mislead me in order to further stress the situation and exhaust the last day before they'd repo. They did not want my money. They wanted my vehicle. In the end the payout paid was {$8600.00}. I'd also paid a few monthly payments of $ XXXX.
11/29/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	GA 314XX	Web
Auto loan taken out from titlemax began in XXXX and continued into the current year of XXXX. The loan began at XXXX. After initialing asking for only XXXX the customer service representative signed me up for XXXX. The following payments were made to the company ( including the deceptive overcharge they send me every month ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These payments have continuously occurred. Interest has been the amount paid toward the balance and illegal fees that are continuous until they just stop and come get your vehicle. This has caused a dent in the way that I provide for my kids and consistent burden on my shoulders trying to keep up with payments and not get my vehicle taken. I never knew my interest was over 150 %. This is an outrage. The company still hasnt addressed the data breach with me and never sent me a notice. I have payment receipts in email and can print for proof.
04/07/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TN 38118	Web
I am unsatisfied customer of Title Max. When I opened my title loan the representative gave me a total debt of {$1300.00} due to be taking out a loan of {$1100.00}. He assured me that I had 12 months to pay off my loan as long as I made the minimum payment of {$190.00}. I have made 4 payments. Yesterday for {$250.00}, XX/XX/XXXX for {$190.00}, XX/XX/XXXX for {$200.00} and XX/XX/XXXX for {$200.00}. Once I checked my balance on the online portal I noticed that the debt balance of {$1300.00} had not decreased. I called and asked why hadnt it and how I should have a balance of {$500.00} and I would be settling it and closing out the account next week. Title max assured me that I could not close my account and that my balance was still {$1300.00}. TitleMax then stated that my monthly payments were for the customary fee. However I was not informed of a customary fee outside of the minimum monthly payment of {$190.00} that I was told to make. I have called the customer services for hours this entire week and every one is selling me the same pitch. I then conducted a research and seen several articles referring to Title Max mispresenting their loan to other customers. I was then lead to your company and spoke with a representative who told me that the article and actions were taken in the year XXXX so she did not know what would be the appropriate steps due to this happening to me now in the year XXXX. She advised me to contact Title Max and request an enforcement action. Title Maxs XXXX District Office contacted me and declined that request. Title Max dismissed my case with a bland statement asserting that they know the manager XXXX. Title Max stated that XXXX has been with them for 8 years and would not have told me I had more than 30 days to pay off my loan. Implying that I am liar and he is credible due to longevity and relationship. This is unfair. This is injustice at its best.
09/17/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AL 352XX	Web
I received a title loan from Title Max over a year ago. I regret this choice, as I can not afford to pay more than the monthly finance charge, which is 10.99 %. I have made my payments as required every month, with a few late payments only, and no more than a week late at the most. I am stuck in this endless cycle of debt, with no way out it seems. My complaint is, my last payment due date was on XXXX/XXXX/2015, which was a Saturday. I had the amount I owed, but due to transportation issues, was unable to make it to the office that day to pay ( no one can go for me, unless granted power of attorney ). They are closed on Sundays every week, and this particular week was XXXX XXXX, therefore they were closed XXXX/XXXX/2015, and XXXX/XXXX/2015. I called to let them know on the next business day, I would be there with my payment, and one days late fee. I spoke to XXXX XXXX, and she said, I had to pay for late charges for the 2 days they were closed, in which it was physically impossible to make a payment. This set me back another day, because I did not have enough to pay these unexpected days. I borrowed the money from a reluctant friend, and paid on XXXX/XXXX/2015. This cost me an extra {$43.00} on top of my minimum payment amount of {$320.00}. This woman talked to me like trash and hung up in my face when I called to let her know I was on my way to pay. I am appalled at her mistreatment of a paying consumer, who has never missed a monthly payment. The company makes their rules as they please, because there have been times in the past that I was not charged for a Sunday, or a particular holiday in which they were closed. I am in a financial rut, but manage to keep up these payments, as I can not lose my vehicle. Is this legal and the way the woman treated me was terrible business practice, and being a manager of this particular Title Max location, she should know better.
03/10/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30344	Web
When I took out the loan I first had asked for {$1500.00} I was there with someone and asked if they could co sign so they would be responsible she said no we can only put you in the loan I had to pay to get the loan and it was not credited to my account when I was presented the document I asked if I could take them and read them and she loan officer preparing the agreement on a computer with the screen facing the loan officer. The loan officer had Me accept the agreement on the computer, but the loan officer did not turnover control of the computer to me so I could see the entirety of the agreement i was accepting. So she summarized it for me saying I will receive pages through my e mail she said she will send them to me and I have 3 days to read them and give back the money I never received the paper work to my email or anything I dont know what I agreed to. I then got calls every day 5 times a day to extend my loan to give me time to re pay i had to pay a fee each time and I was told it would go against my loan repayment and when I went to pay the amount due on du date she says non of the payment goes towards my loan its only to give me more time to pay which that was not told yo me in the beginning I was told to pay that amount and it would be tapping my loan I still dont have paper work or anything to explain my fees and when I will be able to pay my loan off by making these payments the payments are higher than my car note and my vehicle isnt even worth what I was able to borrow.I ended up maxing out and still no time to review anything titlemax intentional misconduct I have given them over {$500.00} and nothing is towards my loan I dont understand and cant pay when I went to look for dates and document they closed My title max account and nothing is linked to it and they wont let me back in my naccount saying I need to make a payment first
12/31/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	FL 32832	Web
I believe it was around XX/XX/2021 upon entering title loan just asking for a {$800.00} loan they said I was approved for a {$1400.00} loan with payments of 220 something dollars a month so I was excited and said to XXXX cool I can pay that off Within four or five months and they were like yes I believe they take advantage of the less unfortunate people I got stuck paying 220 something a month which nothing went towards the vehicle to reduce the loan that I got when I realize the loan was still around the same amount and just kept accumulating it was already too late hi was late a few days past 30 days and they repo my car which cost me over 600 something dollars just to get it back and then continue paying my loan of 220 something dollars there is so many people going in there and not realizing what theyre signing this company is popping up everywhere I was finally able to pay off the loan after a year and a half of struggling loss my home I was renting got evicted and up in the streets it was a struggling battle just to get that amount but I lost everything and my stuff is in storage still to this day Im only writing because this company needs to be investigated and how they proceed and get people to be approved easily by signing the most valuable assets away I am making you guys aware so that way they can hopefully get me out of this financial ruins I am willing to take this information to the news broadcast it plays XXXX XXXX whatever have to do to let the less unfortunate people out there like myself dont get caught up with this scam this life this place it was a struggling battle I almost lost everything my means of transportation as well but that was the only thing I was able to save I got evicted I lost everything I have nothing Im trying to bring myself back up This company has extremely profit from me and Im sure others out there as well
05/05/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	DE 19713	Web
This is my second time trying to get some type of justice here. I recently filed a complaint against the same company, title max in XXXX Delaware regarding my issues. First off, the previous complaint I submitted was, without even my say/input, closed on their behalf? A lawyer of theirs submitted a statement back and then I have no response back? Thats not fair. Since this was closed, I have called title max to try and get some type of payment set up for me. Per the last lawyers statement, he stated to contact titlemax ti get my account back to normal. IVE SINCE THEN DONE SO. Ive made several phone calls and left several voicemails. I received NO response back except for a wuick 2 second call from them only for them to hang up the second I get to answer which is on the second ring. I then get voicemails, an automated voicemail at that thag says to contact them regarding my account. I find it a little ridiculous that I am getting those calls when I have been doing that for about a month now. Im asking for them to PLEASE CALL ME TO WORK WITH ME AND SET UP SOME TYPE OF PAYMENT PLAN! I expect some type of reasoning here in my favor and not a response back from someone who isnt even present in this state. On Saturday XX/XX/2022 the employee there said my account was CURRENT and I believe her name was XXXX? Forgive me if I spelled it wrong. XXXX XX/XX/2022, my account has been current which means Ive been making the payment. The manager there, XXXX told me the same thing verbally. However I am having financial issues right now due to COVID & I would like for someone to please call me instead of an automated machine. They will not repossess my car when this whole time nobody has been contacting me back. In my previous complaint, the lawyer for them said I wasnt contacting the storeWell here I am contacting them and shockingly NO RESPONSE FROM THEM
07/07/2022	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30296	Web	Servicemember
I reviewed my contract and found many violations under 15 USC in it. On XX/XX/2022, I sent notarized and certified mail to TitleMax Legal Department and requested a Cease and Desist, and Debt Validation which included for them to provide the following : 1. Agreement that grants them the authority to collect on this alleged debt. 2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3. Any insurance claims made by any creditor regarding this account. 4. Name on the file for the alleged debtor. 5. Amount of alleged debt became payable. 6.Complete accounting o alleged debt. 7.Trail audit of the debt. 8. XXXX out the balance and close the account. 9. Return my title lien free and clear back to me. 10. As well as the name and address of the bonding agent. They responded on XX/XX/2022, with a copy of the contract that I already have as well as previous ones. They did not show proof of any of the above nor how they investigated the debt nor did they show proof of the investigation. I couldn't access the online portal so I went into the store, the manager, XXXX, she stated the account was closed, they couldn't contact me called the XXXX or XXXX, XXXX and he stated he'd request corporate call within XXXX. I couldn't access the portal nor would accept a payment in the store. I didn't receive a call until XX/XX/2022. XXXX from corporate asked for me, told me where she was calling from and that the line was being recorded. I asked her to hold and stated that my line was being recorded as well. XXXX stated she could no longer speak with me on while I'm recording and she hung up. Around XXXX on XX/XX/2022, I called the local office and spoke with the XXXX, XXXX XXXX She just read what was in the notes, stated I will be up for repo soon and she read the statement XXXX made about me recording her.
09/30/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 31088	Web
XXXX XXXX I did a title pawn with XXXX XXXX XXXX XXXX. I begin to feel that my payments did n't affect my balance as my balance remains the same. XXXX XXXX I went to TitleMax and was told they can help me get my title back quicker and with a better plan than XXXX XXXX XXXX XXXX. TitleMax refinanced my pawn and I completed an application with a representative. I was told to make a payment of {$240.00} on XXXX XXXX. On XXXX XXXX I went in to make a second payment of {$240.00} and was given a different and higher amount now due, TitleMax would not accept my payment of {$240.00}. I was asked when I would have more money to pay the new amount and I responded on XXXX XXXX and given the amount now due of {$340.00} to be paid on XXXX XXXX. I returned on XXXX XXXX with a payment of {$350.00} and again TitleMax would not accept my payment. I was told to come back with a money order for {$490.00} on my due date. On XXXX XXXX at XXXX, I received a phone call from TitleMax. I was told my payment is due today, I responded that my due date is the XXXX. The rep told me that it was noted in my account that I am to bring {$490.00} on the XXXX. I responded I was told to bring a money order of {$490.00} on my due date and if my due date changed I was not aware of it. The rep told me I need to be in before closing in 15 minutes or the amount will change again. I told the rep that I am in class and I will try to make it in 15 minutes. I then asked if I could drop the payment off after class and she told me that it had to be posted before they closed. The call lasted about 5 minutes and with traffic I knew that I would not make it before closing time, therefore, I remained at school. Here I am again with the dilemma of being two months behind, with a threat of possible actions of collection against me because TitleMax would not take my payment.
04/30/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AL 35173	Web
I am writing to you about a title loan I got in XX/XX/2013. I received the loan in the amount of {$6000.00} ( XXXX XXXX ). I needed this loan for a personal matter. I have never had a title loan before and when I went in she explained to me that she would take a picture of my car and give me the loan I need .I informed her that I didn't know how soon I could pay this loan back. She said no problem, you can make monthly payments of around {$360.00} or I could make smaller payments and stretch it over a long period of time. But was not explained the true cost of the loan if I renewed it multiple times. I was mislead by the terms and cost of the loan .Never was it told to me that this loan was and should be a 30 day loan.The amount of the loan also exceeded the amount my car was worth. Even if I would have tried to sell my car to pay off the loan, I still could not have paid the loan off. Each month she would renew the loan without discussing the fees or the total cost of repeatedly renewing the loan. I have paid on this loan for 5 years. I lost my job this XX/XX/XXXX and went to them about how I was going to make the payments. All that was said was I could voluntarily turn my car in or they would repo it. Of course I need a car to get a job. My brother stepped in to help me keep my car. After 5 years of paying around {$360.00} a month, I still owed {$4800.00}. Total of a {$6000.00} loan has cost me {$26000.00}. We found out that when my brother paid the note off, I was being charged an interest rate of 97.21 %, Never has that ever been discussed during the loan. I would have never paid the loan off and my car is not worth selling. I was offered {$500.00} for it. Yet, they made a loan for {$6000.00} and used it as collateral.I am filing this complaint because I feel like I was mislead about the terms and cost of the loan.
06/14/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30071	Web
I have received a loan around XX/XX/XXXX. At a glance, it seemed to be nice deal upon the initial process, with promises of low interest, but after a couple months of having the loan, I have seen rates get higher. I was given multiple contracts to sign, which I now find suspicious. Ive also struggled with being able to pay online which is my preferred method of payment, but the website seems to often malfunction. There is often aggressive calls being made to make sure I pay on time as well. I have looked up my emails over my payments to the loan, and found I have paid well over the borrowed amount. The last time I was able to check my balance on the portal, I recall seeing I owed roughly the same I borrowed, a year after paying. Their website is constantly getting network errors preventing me from signing in as of XX/XX/XXXX. Below are the dates and amount paid through my emails. I rarely paid in person, so these are most of payments. I paid about once in person so it's probably a little higher than the shown amount. Payment Amount : {$440.00} Payment Date : XX/XX/XXXX Payment Amount : {$450.00} Payment Date : XX/XX/XXXX Payment Amount : {$440.00} Payment Date : XX/XX/XXXX Payment Amount : {$390.00} Payment Date : XX/XX/XXXX Payment Amount : {$390.00} Payment Date : XX/XX/XXXX Payment Amount : {$390.00} Payment Date : XX/XX/XXXX Payment Amount : {$400.00} Payment Date : XX/XX/XXXX Payment Amount : {$390.00} Payment Date : XX/XX/XXXX Payment Amount : {$470.00} Payment Date : XX/XX/XXXX Payment Amount : {$470.00} Payment Date : XX/XX/XXXX Payment Amount : {$470.00} Payment Date : XX/XX/XXXX Payment Amount : {$470.00} Payment Date : XX/XX/XXXX Payment Amount : {$470.00} Payment Date : XX/XX/XXXX Total Paid : {$5700.00} Initial Loan : Roughly {$3000.00} Last Checked Balance ( by memory ) : over {$3000.00}
03/19/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	GA XXXXX	Web
when my car was stolen, I reached out to my insurance company XXXX about the theft. after the police recovered my vehicle, XXXX would not allow me to repair my vehicle and claimed my vehicle to be total loss. when payment was to be issued for the amount of my vehicle, XXXX claimed that my title had an outstanding loan with Title Max. knowing that I have never took a loan out with Title Max I reached out he them about the inaccurate information. when I reached out to Title Max I spoke to a manger by the name of XXXX XXXX. he stated it showed in their system they paid a loan to my finace company for my car. I provided him documents that showed I paid my car off in full and his information was inaccurate. XXXX for title max then stated the loan had been written off in their system and they were no longer able to collect on the loan. I advised XXXX that the loan was fraudulent and that I have had I identity theft in the past and I sent all information certified mail to XXXX and title max showing my identity theft and giving them opportunity to prove if the loan was accurate. this loan was supposedly taken out in the same year as my id theft case. title max never responded to the identity theft package, but instead contacted XXXX to have the check sent over to them for my car. so instead of XXXX issuing the check for my stolen vehicle to me, my money was sent to title max because they claim the loan that was written off in their system could be reopened if paid off. even after proof was brought to both XXXX and Title Max that the loan was fraudulent Title Max still told XXXX to send them my money. I have a police report from XXXX county from 2014 when my id theft case was open, I have an id theft affidavit, a FTC complaint number for id theft, and a payment receipt when I aid my car off from my loan company.
06/19/2017	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	TX 77066	Web
my wife is XXXX on XXXX have XXXX problems and is taking XXXX meds when a friend took her to title max for we were having some financial problems thaey gave a title loan on the car that she use to take her to the doctor.This was XX/XX/XXXX. refinance The loan was for for XXXX XXXX she kept paying the high interest 607.00 0ne time she paid XXXX then another time she paid XXXX now they told her onXX/XX/XXXX that she was in default of {$4400.00}. she was paying the interest and more every month. They even had her income as XXXX which she never told them that she only receive XXXX on XXXX and XXXX XXXX sometimes XXXX. what is going on this is a ripoff and also they took advantage of a XXXX person. She had already paidt them over {$6000.00} please help as soon as possible thanks.its titlemas XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX.phone XXXX fax XXXX. I was her Payee they should have never given her a loan without my consent. she is not stable when she do n't take her meds and her friends tempt her she had a XXXX XXXX in XX/XX/XXXX and she had XXXX XXXX in XX/XX/XXXX after that that she was placed on XXXX medications for XXXX XXXX where she have to tale a lot of medications. she had been going there giving them the payments without even reading stuff and just doing what they told her to do. she said they have a screen that have the things on it and they tell her to touch certain things and that how they do then they takethe money she give them it be over the interest sometimes what happen to that money. why is the loan more than she owed it went down and now it sent back up even after they already got over 6000.00 some one please help or attorneys will be involved. we also want o help others so they do n't fall into this same trap and get ripped off they need to close down these places.
05/15/2023	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	TX 770XX	Web
XX/XX/XXXX, Made a final monthly installment payment, prior to this as per contract told the store manager I was buying another car and to come pickup the vehicle to satisfy the title loan as stated in contract. The manager refused, twice and wanted me to drive the vehicle to the store. I explained I could not, it was not reliable and I have a XXXX son of which I couldn't leave unattended. The manager told me to try and sell the vehicle at XXXX XXXX, I tried but they don't buy rebuilt salvage vehicles. Then the manager said to try a third party buyer, they also refused to buy a rebuilt salvage vehicle and valued it at - {$500.00} for XXXX XXXX XXXX ; also tried to trade-in when bought new car, XXXX XXXX said no and quoted same value due to high miles and previous flood damage. Because it was sitting out in visitors parking at apartment complex, not tagged, for weeks awaiting for Title Max to retrieve, was warned it would be towed so I sold it to a junk car company who took it with no title, and towed it away for {$500.00}. That same day I paid about half to the Title Max company and explained to them what I did and why. There after they begin calling me numerous times a day, leaving messages, some 40 voicemail even after I requested they send me a mailing per the FCRA, they continued calling and I being made to explain over and over what took place and why. They said they weren't set up to bill by mail thus the numerous calls. I took this title loan out in XX/XX/XXXX and paid over the amount of the {$1000.00} borrowed on time until the rebuilt salvaged car broke down and I was told it would cost more to repair that what it was worth it was near XXXX XXXX XXXX. Title Max knew because the title said rebuilt salvaged vehicle. Now they're saying, by mailing I owe them {$1200.00}.
10/14/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	KY 421XX	Web	Servicemember
I borrowed a total of {$4000.00} in the Covid pandemic due to financial hardship and poor credit and had just lost my job. I was taken advantage by TitleMax Title Loan in XXXX TN they gave me this loan after luring me in not making me aware of the 330 % interest rate on this loan over 12-36 months the payment alone was over {$500.00} a month on this loan I fell behind even worse and couldn't make the payments and defaulted on the loan they never made any contact with me or attempted to help me with arrangements or any kind of relief to due to the hardship caused by covid pandemic. Then on XX/XX/2022 I was harassed and stalked by a repo man who was waiting outside my apartment complex and followed me everywhere I went and I went into the store and he was waiting for me at the door broadcasting my name and my business and that he was repossessing my car and he already had it hooked up on the truck without warning or anything he told me they have been stalking and harassing my family members and all known addresses even stalking my credit report and post office to get my address to repo my car I called them and they were smart and rude and weren't willing to help me or work with me said they wanted {$5700.00} to get my car back now or they would sell it now I have lost my job again fixing to be evicted and have no car to find another job to be able to pay my bills and live. I would like to be included in any and all class action lawsuits against them for luring people in with these outrageous interest rates and for damages I have incurred do to this matter and for taking my car for no reason and without warning or attempts of any kind to fix this matter before this happened they are crooks and should be in jail for the way they cheat and scan people in this recession.
08/07/2020	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	CA 90270	Web
On XX/XX/2019 I went to TitleMax to get a loan on my vehicle I was told that the loan would not be a high interest loan I had questions due to the fact that I have been reading that they got in trouble I didnt know what they got in trouble for I was lied to and miss lead they said the reason why they got in trouble with due to a DMV issue but come to find out later it was because of high interest rate I am being charge XXXX a month But only {$75.00} is size off of the XXXX they post to have gave me they gave me XXXX they made me pay for my registration out of the money that they loaned me and also the smog certificate says that I have been lied to by XXXX XXXX and shes been telling me that theyre going to work with me but they will not give me nothing in writing I keep telling her that when I first made my first payment it was XXXX for the XXXX to come off of the {$5000.00} but only {$75.00} is charged off of the XXXX they post ahead gave me they gave me XXXX they made me pay for my registration out of the money that they loaned me and also the smog certificate says that I have been lied to by XXXX XXXX and shes been telling me that theyre going to work with me but they will not give me nothing in writing I keep telling her that when I first made my first payment it will pull the van for the XXXX to come off of the {$5000.00} But instead {$75.00} came off of {$5000.00} and XXXX something dollars thats ridiculous they never told me why they just told me that the way it is now I am trying to keep my vehicle and pay them which Ive been doing can you help me can you please talk to them to get them to lower the interest rate I have been making my payments constantly if Im behind is because of the way they lied to me and Miss reputation himself when we did the long
08/01/2017	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	NV 89139	Web
I requesteded a title loan on X/XX/2017. This loan was for {$350000.00} the branch general manager advice me that if I ever had a problem paying to contact her for extensiones. First payment was due on X/XX/17 i call the store to get a extension for 3 days and the manager adivce me that i has to pay {$970.00} ( regular payment XXXX month ). On X/XX/17 I call the branch to get a pay off amount they adivce me that it was {$3600.00}. i did not uderstand why it was so much i had been told it was {$3200.00}, the explain of a daily fee of {$16.00}. That same day i recivded a call from corporate TITLEMAX number was XXXXthey call me twice at XXXX XXXX and XXXX XXXX. A person by the name XXXX XXXX told me that they would settle my account if i piad it off on X/XX/2017 before XXXX in store, she advice that it would be better if i paid with my debit card, i exaplin that my daily purcahse is not more then {$100.00} daily. She said that per her supervioser XXXX XXXX the settlement was approvde to make sure i took in a cashier check to the store for the amount of {$3200.00} i ask for time off work and went to the bank got cashiers check # XXXX for {$3200.00} to pay off my account # XXXX,XXXX XXXX i go in to the branch XXXX XXXX XXXX XXXX # XXXX XXXX XXXX nv XXXX. They told me that there is no settlement and that i had to pay a total of {$3600.00} that was {$360.00} more then what the settlment was. i call the number of corporate and talk to the XXXX XXXX XXXX at XXXX and they said that he does not know what happen but i had to pay the {$3600.00} amount per the corporate supervisore XXXX XXXX . I vvery desapointeded of the process they gave me no explanation of what happen and the keep telling me to give them cash, something that i did not do. DONT GO TO TITLE MAX please.
03/13/2019	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	TX XXXXX	Web	Servicemember
I opened a title loan on XX/XX/2018. I was referred by my parents. They had a title loan with the same company previously with no problems. When I went to get my title loan, everything went smoothly. I was told that the printer wasn't working so I couldn't get a copy of my paperwork. This should have been a red flag, but I didn't catch it. My mother was with me and can testify to the fact that I was told this. I've been making my payments regularly. I renewed my loan in XXXX. Once again making regular payments. I've asked twice what my payoff was and both times were told the same number within a few dollars. That's when I suspected something was wrong. I can't make payments for 5 months and make no progress on my loan. Payments made were 200 to 300 dollars every month. This past Monday, I transferred money to my mother so that she could make my payment. I transferred {$200.00}, she took out the cash and made the payments. While she was there, she noticed that there's an app for the Title Loan company. We downloaded the app and checked on my account. This is when I noticed that I was only credited for {$40.00} to my account. When she pulled the receipt from her purse, it was an old receipt reprinted from XXXX showing a {$200.00} payment with a women 's name, when she made the payment to a man. When he gave her the receipt, she only looked to see that my account was credited and that the amount was correct. It was only when we saw that my payment was short did we look at the entire receipt. I realize that this is my word against his but this is the truth of what happened. I don't know how long my account has been skimmed but I want a forensic accounting and my account closed. I would love to file fraud charges against the man and the company.
04/11/2016	Yes	Consumer Loan Title loan	Payment to acct not credited	FL 32003	Web
I dealt with the general manager regarding a loan of {$800.00} and my car as collateral. My account was past due and I had been unable to make payments. He gave me to choices to resolve the issue : either pay payments on the debt or let them pick up the car. I was only going to let them take the car if it fulfilled my debt obligation to them and the account was closed. XXXX XXXX assured me that was going to happen. What he did not tell me, was that the account had already been charged off and there was no collection agency ... the account was already closed. He deceived me into giving up the car instead of making payments. After all, how could he accept payments on a closed. 2 months ago a girl called me from Instaloans informing me they sold the car and I still had a balance. I said that was impossible due to the multiple conversations that I had with XXXX XXXX. After reviewing the notes on my account, she said " No, you are right, there is no balance and the account is closed. After reviewing my credit report, I found that it is posted as a charge off. I wanted to make payments if the debt was not settled correctly. I did not want any negative marks on my credit. This was a complete deception from this company, who says they are their own collection agency. XXXX XXXX as of today XXXX/XXXX/16 says that he ca n't help me. He said the car was sold for {$170.00}! The car was in the same condition it was in when I got the loan!! How can this happen??? XXXX XXXX 's boss XXXX XXXX seems to think this was fair business practice. I have no doubt they are having other issues within this company. I wanted to pay my debt, not be taken advantage of. Any help in dealing with this company is appreciated before they are able to take advantage of others.
12/24/2021	No	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	GA 30038	Web
TITLE MAX OF GEORGIA is claiming that I owe an alleged debt from XX/XX/2021 in the positive balance of {$2800.00} with the finance charge being {$320.00}. In the written initial communication, I noticed several violations such as billing errors, reflecting an alleged debt owed in a positive balance, referring to the consumer in all capital letters instead of referring to the consumer as a natural person in proper spelling, charging the consumer unlawful charges outside of the finance charge. I also noticed that in the written initial communication, I was not given the proper forms and full disclosure about my right to rescind and my right to opt out of anything being reported to consumer reporting agencies. So, I sent a notarized debt validation letter on XX/XX/2021. TITLE MAX OF GEORGIA never responded which is another violation. Next, I sent a notarized cease and desist notice stating my demands based on the violations on XX/XX/2021 after receiving multiple calls from TITLE MAX OF GEORGIA attempting to collect a debt. On XX/XX/2021, I sent a notarized affidavit of truth with exhibits attached based on the same violations to TITLE MAX OF GEORGIA with a bill of particulars attached. On XX/XX/2021, TITLE MAX OF GEORGIA responded by sending me a letter stating that they received my notices but still believes that I owe this debt and attached a copy of the electronic agreement with " PAID '' written across the pages. TITLE MAX OF GEORGIA is willfully neglecting my consumer rights and the documents I have sent to them. All of these documents were sent via XXXX certified mail to the registered agent of the company. I have prepared a default and opportunity to cure to the company due to not responding in the time frame given on the documents.
04/03/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	GA 312XX	Web
VIOLATIONS OF XXXX and XXXX and XXXX XXXX error resolution 1693d-Notice of transfers 1693 g ( a ) Action or failure to act 1693 ( a ) ( c ) Intent 1691i- When a person can issue a of means of access 15 USC 1691- issuance of means of access EFTA Violations Section 205 Unsolicited EFT and issuance of devices 205.5 Terms allowed to issue EFT device 205.7 Disclosure requirements 205.8 Change in terms disclosures increasing consumer liability 205.9 Periodic Statements UDAAP- Unfair and deceptive acts ( attempt to coerce acceptance of deposit while omission of terms ) On XX/XX/2022, at approx XXXX received a call from a man who identified himself as XXXX, a manager at titleMax XXXX He thanked me for doing business with titlemax the previous XXXX and wanted to notify me that he deposited funds into my pay portal account totaling over XXXX dollars for me to use when I needed to. When I advised that had not set up a deposit account or the pay portal, I was advised that they opened it for me. I refused the money and directed XXXX to remove th money they deposited from my account immediately. XXXX then tried several times to convince me to accept the money which i refused. First phone call to Title Max XX/XX/XXXX notifying them about unauthorized deposit remaining in account, Sent letters in XXXX, XXXX and XXXX in reference to investigation. Advised via email they were investigating in XXXX. XXXX I sent letter requesting results of investigation and any documents and information used to reach decision, if decision was made. At the time of this complaint, TitleMax has made no attempt to reverse deposit. I have received no resolution notice, basically I have been ignored as it pertained to deposit of funds into account on XX/XX/2022.
12/29/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	MO 64119	Web
I took out a title loan in XX/XX/2019 due to being unemployed and in a financial hardship. I was making payments on time and up until XX/XX/2019 when XXXX, a regional manager took it upon himself to play collection agent. It was Saturday morning, around XXXX XXXX when he called me from a Texas area code mobile phone. He never asked for any account information, never attempted to verify who answered the phone and proceeded to demand I make a payment that day before XXXX XXXX. This is why I have taken action due his demeanor and actions as a threat with intent since I feel the legal biding contract has been violated due to his actions. I did make payment on XX/XX/2019 and was told he was actually sitting in the office calling all clients and demanding payments by manager and employees who work there. I was told XXXX was demanding payments to make up over a bad months and collections were down. I became a victim this day due his bad choices. I reached out to customer service and waited over 10+ days for a response. I called and called and go the run around. I worked with XXXX and XXXX at the local office where loan was taken. They fear their jobs are at risk due to XXXX. I then got a call from XXXX, he is over XXXX and he assured me this would be dealt with and addressed, asked for week to 10 days to review files and would work with me to resolve or reduce loan fees for XXXX ' actions on XX/XX/2019. I have made a payment since on XX/XX/2019 and not heard a word from Title Max since. No letter, no phone calls, and feel as if they seem to think nothing is wrong with the actions they took and how a client is left to deal with their unprofessional actions. I want my title back and they need to be fined for this violation.
03/30/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	FL 32404	Web
XXXX in XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ph. XXXX gave me a auto-title loan on or around XXXX XXXX, XXXX and at the time I was XXXX ( as of XXXX XXXX, XXXX ), not receiving any XXXX then or since, or had no means at all to repay the auto-title loan. I did not have to provide any proof that I had a job or any means to repay the loan, only previous pay stubs from a job/employment that I was no longer affiliated with. We went through the paperwork so fast, all they said was sign here, here, here, here. The were out to process as many loans as they could. In XXXX XXXX, another refinance, and then in XXXX XXXX, they towed my XXXX XXXX XXXX, to get out of the pound, my neighbors and friends pooled together over {$550.00} to get my van back. Not only was I charged by XXXX for the tow bill, I also had to pay the tow company ( which I paid separately ) for the tow bill. XXXX billing. The amount of the original loan was only {$700.00} plus all these other charges which I was unaware of.. {$870.00} initially. They call my phone XXXX a day everyday wanting to take my only means of transportation with threatening messages that they are sending this to legal. I feel like I 've been violated. This company is TMX Finance in XXXX XXXX XXXX XXXX, GA XXXX as InstaLoan in XXXX, GA XXXX. I have contacted and filled out application for assistance from XXXX XXXX XXXX XXXX Florida on XXXX/XXXX/XXXX and gave them copies of all the loan paperwork, etc. that I have. I 'm still XXXX, XXXX, receiving XXXX, no unemployment, and have received no other income whatsoever before this action up through today. Please help me as I feel this entire business is crooked. My next step is to take this to the local newspapers for print.
06/15/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30314	Web
Applied for a Title loan with TitleMax. We were approved for {$1100.00} only. The Employee that handle our paperwork however, lied to us about the interest rate. We were told there was no interest rate and that we would only have to pay the {$1100.00} back and late fees if we were late making a payment. We signed a paper contract with the employee. We continued to pay the company every month since XX/XX/2022. We ended up overpaying the company {$1200.00}, however our account balance never went down it remained the same. The employee who handle our paperwork, ended up leaving the company and there were several other complaints from other customers about the same thing. We were informed of this by other employees at the company. We have been receiving harassing phone calls, threatening to repossess our vehicle. We were told by one employee that they had a 300 % interest rate, and told by another that the interest rate was 15 %. We were bidded into this contract under false pretenses. We also spoke to an employee today via telephone and she informed us that our signatures wasn't on any of the paperwork. So basically we have been overpaying for months and being harassed for months from a company that doesn't even have any paperwork on us. We made payments online and in-person. We just really need help because the money we have been giving them could've been used on our XXXX children or us moving and finding a place. We are now on the verge of being homeless because we had to pay this company because we needed our vehicle for our children and our own personal health reasons as well. I've inserted screenshots of payments made on line from the Titlemax, the other payments were made in-person and paid in cash.
06/13/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	FL 32177	Web
I had XXXX XXXX XX/XX/XXXX spent a week in hospital. Had a XXXX XX/XX/XXXX and admitted again for 3 days with XXXX XXXX. I am unable to drive or ride any long distance in a vehicle until doctor releases me. I called XXXX on XXXX XXXX XXXX explaining situation. XXXX told me to call back Friday XX/XX/XXXX to verify what doctor said. I called and XXXX wasn't in, but, a man talked to me, saying, he also is a manager. I asked if the late fees and interest rate could be paused, since I am unable to drive to XXXX XXXX to make payment. They won't allow debit card, or another person taking payment in. Has to be only myself with cash. He refused. I have no control over my physical conditions that are preventing me to go 35 miles to make cash payment. I am also being charged 56 % interest and had to buy additional insurance I don't need but, required for loan.They say you can refuse eit, but, if so, it also contributes to breaking contract and taking my car. In XX/XX/XXXX, my XXXX check had error, so, I was XXXX short on payment. I drove there with XXXX. Payment at that time was XXXX They refused what I had because it was not whole amount. They " suggested '' I borrow XXXX from a friend, come back on Monday, make payment, and turn right around and borrow more to repay friend. The catch, the minimal they loan, another XXXX. So, now I am in XXXX and only able to make the interest payment every month of XXXX, IF I AM ON TIME.Now, I can't make any payment from being home bound until i can walk and drive again. It doesn't seem right, they can take my car because THEIR POLICY WON'T ALLOW ANYONE OR ANYWAY FOR ME TO PAY, EXCEPT FOR MYSELF. Along with the fact, I am very XXXX now and unable to travel.
10/16/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 79938	Web	Servicemember
in XX/XX/2019 I took a title loan out. Agreed was {$1000.00} pay in return {$1100.00}. He wrote down how the payments would be for the 1st 5 month. The first would been {$160.00} and then each month {$130.00} every month on the XXXX XXXX. I paid in XXXX {$170.00} in XXXX XXXX in XXXX {$140.00} in XXXX {$140.00} and XXXX {$150.00} always before or the XXXX XXXX of each month so on time. When I made my payment in XXXX the lady told me I dont have to come in I can pay it over app which I did. In XXXX I called and told them I was suspended due to medical condition and been suspended since the XX/XX/XXXX with no pay. And no unemployment, I had a hearing about it yesterday. So my daughter and I which is a minor we live of {$300.00} child support, however I never missed a payment. When I went in on the XXXX this month the guy wanted the {$150.00} I paid plus a additional {$220.00} which is more then the remainder balance of {$360.00}. And on top he wants to refinance a new loan of {$750.00} which I told him I wound due. All I got is the {$150.00} I pay {$730.00} and I will pay the remainder in monthly rates until paid in full. He wrote everything on a sticky note I got a flyer nowhere stated I had to take a other loan. Besides I am from. Forgin country and English is not my first language. He told me this is how they make money. Well I am sick I was suspended with no pay even so released to work. I wait on the result of the unemployment hearing so in the mean time I only have {$300.00} which is child support. However I was never late. And being treated like this because I am a forgin resident is discriminated. I had a witness with me and it was never stated this is how they work.
05/24/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TX 751XX	Web
I had two vehicles under 1 loan through titlemax I was working as a XXXX XXXX XXXX at XXXX XXXX paid weekly making XXXX week when I had gotten title loans one was on a XXXX XXXX XXXX other was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had inform titlemax of that well my ex husband XXXX XXXX my driving the XXXX got pulled over went to XXXX the car was towed to a pound when I went to receive it said titlemax had a repo out on it I contacted titlemax who wanted me pay the whole balance off for it witch I couldn't afford to do so Titlemax failed to even retrieve the vehicle from the pound they put it off on my credit report and left the car thier and it was then sold from the lot witch also had damaged to it at XXXX dollars with a rebuilt title if titlemax wasn't going to achieve the vehicle they could have returned it back to me and made an agreement on smaller payments but the payments wasn't even going on the loan I got just on entries that it .... my XXXX XXXX XXXX XXXX XXXX husband stole from me because we was married cops couldn't do anything I spoke with titlemax in XXXX XXXX and the deal was they repossessed it from him it be given back to me I would make payments again on it but when they repossessed it never contacted me at all they wouldnt give information of what lot was tooken to so could retrieve personal items from it so now titlemax took not 1 but 2 vehicles from me not putting my payments towards my loans at all I had already paid my XXXX loan off once for the title they just didnt try work with me at all after I couldn't work asked to lower my payments and everything they refused to do so
06/22/2023	No	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	SC XXXXX	Web
So I applied for a title loan back in XXXX or XXXX of XXXX. I was told I can never be late and I always paid it on time or before the due date. But I also had to refinance a few times because I could not afford the payment in which that allows your loan to start all over. My interest rate is 177 %. I feel that is completely unlawful. The agent at the desk said oh no we start off at 150 % and its based on your credit. So while at the local store complaining about the rate she said there was nothing they can do. Having them try to explain to me what my interest rate per day comes out to be around {$13.00} which if your times that by 30 days that around {$400.00} ( roughly ) minus. My payments a month is XXXX would only leave {$32.00} to go towards the principal. But thats not the case its only put an estimate of XXXX dollars towards my principle. At the END OF THE DAY this is not in any way to help you when you need. Its designed to keep you down! Im paying more for this loan than I did for the car and Im never gon na be able to pay it off without doing the minimum payments and that makes me worried because again they will come and take your car after even paying with the car is worth. I also would like to mention around XXXX they can notify you that they had a promotion going on that they were doing a Giveaway, wanted you to enroll everyday to be eligible to win. I did and of course I wasnt the ones fortunate enough to win.I would of loved to see the winners. When you do something like that you would think that they wouldve had a big announcement. When they finally reached the decision after 2 to 3 months from XXXX said the office representative.
03/13/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 75460	Web
I regrettably entered into a contract with TitleMax who with great deception explained to me the conditions/terms leading me to believe this loan would be relatively simple and quick to repay and with a small flat interest rate. The employees undoubtedly took advantage of my lack of knowledge and experience. To my dismay I am unable to find the exact date I entered into this contract despite The fact that the website claims by downloading the app you're able to view your payment history.. Come to find out that is not true. Evidently when I make a payment each month towards my balance of what i thought was to take repossession of my title it is in reality only renewing the contract. That all on it's own is not at all what was explained to me and/or explained to my wife. I have asked in person for a payment record but titlemax has failed to provide this or any additional information or explanation whatsoever. I Would estimate I have been paying titlemax monthly for at least a year now, Which would total much much more than I ever would have dreamed I would be paying them and for something I already own. My vehicle has been repossessed by them one time as well which I had to pay over XXXX XXXX dollars to get back. The payment I am required to make every month fluctuates an average of XXXX dollars or so and it seems nobody at titlemax can give me a legitimate reason as to why. I am frustrated beyond belief with this loan shark of a company. There must be something I can do or by God 's grace and mercy someone able to help me. I feel there should be something in place to bring awareness and hopefully prevent others from falling into this trap.
01/20/2016	Yes	Payday loan	Charged fees or interest I didn't expect	GA 310XX	Web
I got a loan from a Payday Place in XXXX GA. When I took the loan out 3 mos ago they told me that it was an installment loan and i agreed i didnt have to put any of my stuff up the man behind the counter told me he already took care of that. I asked him and he showed me a paper of many items on a list I told him that I dont own any of that and he told me dont worry that he makes up paper work all the time so he told me my 1 st payment will be around {$70.00} dollars because I am on SSI check I get once a month. I get {$680.00} to live on a month for myself and my younger son. I went into pay my 1st payment and since i was 1 day early I had to pay a fee of {$110.00} that upset me I asked the lady where that man was that took my loan app. And she said that he is not with the company anymore so they moved me from a installment loan to a 30 payday loan i could not pay {$700.00} back to them so the lady told me that she will keep my payments low. On XXXX XXXX XXXX I called Insta Loan in XXXX Ga, and told them that I am sending a friend in to pay my payment of {$70.00} i told them i was sending a little extra of {$80.00} dollars The lady was very very rude to me she said that since i was paying early that i had to pay {$90.00} and if I didnt pay that it will cost me each day of being late {$35.00} dollars. They have called me everyday for 10 days now and told me that I have no rights. They called me day and night and even on there own cellphones. I called then yesterday XXXX XXXX XXXX and the lady at Insta Loan told me that if I did have {$200.00} To her I will be in jail she was so rude to me My XXXX are falling apart ehat can I do. Thank You.
05/31/2019	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	GA 30066	Web	Servicemember
Hello, my complaint is with Titlema x in XXXX, GA. My husband and I took out a title loan around XX/XX/XXXX/XX/XX/XXXX.. In XX/XX/XXXX my mother in law passed and we received an insurance settlement in XX/XX/XXXX. In XX/XX/XXXX I called XXXX to get a payoff and they told me it was around {$2100.00}. I don't recall the exact amount but I went in personally and paid this amount to avoid the {$80.00} electronic fee. I waited for my title for several months. In XX/XX/XXXX I contacted them about my title and was told that I needed to pay for the transfer of names on the title. I paid that fee and still continued to wait for the title to be mailed to me. Around mid XX/XX/XXXX I received a text that Titlemax was looking for a payment or the car would be repo 'd. We were stunned to say the least. After paying off the vehicle and making a separate payment for the title transfer, Titlemax was claiming they never received any such payment on last year. I can't find the receipt of payment but I know they're establishment is video recorded, 24hrs. They could have at least pulled the tape to confirm this act of me coming in and paying the vehicle off. Why would they ask for a title transfer fee if the vehicle wasn't paid off anyway? At the end of it all, they repo 'd my car 3 weeks ago. They took my money, my car and have greatly disrupted my home financially. My husband is a XXXX XXXX XXXX with an injured XXXX and has been catching the bus & train on a 3 hr commute to work ever since. This is just wrong. If I had the money to sue, I would. This company must answer for this. Please help us. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
08/12/2022	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TX 765XX	Web	Servicemember
I bought a truck from from a gentleman for XXXX dollars then later found out it had a title loan on it from Titlemax. I highered a private XXXX to try and find out more about the situation, on XXXX XXXX, 2022 Titlemax had the truck repossessed along with all of my tools. The truck was not running at the time of purchase and I had been working on in for about a week, hence my tools being in the truck. My investigator notified Titlemax about this and they stated that they would have to get with their highers to get permission to let me get MY property out of the truck. I was notified later that evening that Titlemax authorized me to get my property but I had to drive to the recovery yard to get them, so the next day, XXXX XXXX, 2022 I drove for over an hour to XXXX XXXX XXXX in XXXX, Texas. I arrived at approximately XXXX I explained why I was there and they told me the truck was not there it had already left for auction in XXXX XXXX XXXX Texas XXXX I asked about my tools and property that was in the truck and I was told they didn't have it, I asked if an inventory hand been done before they took the truck which is Texas state law and they had told me no. I was told that I had 10-15 days to dispute any of this but found out that the truck is already at the auction house in XXXX XXXX XXXX Texas and is already being advertised on the XXXX web XXXX stating its value as {$2400.00} dollars, this has all happened in less than two days! I am trying my hardest to prevent this from happening but I seem to be losing this battle!!! I later found out that the loan was for {$1500.00} dollars, my tools and code reader was worth 5 times that!
05/02/2017	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	GA 30238	Web
TItleMax repossess my truck in the month of XXXX . I tendered a negotiable instrument to TitleMax via certified mailing for full settlement of the devt owe to them. The tender was refused and TitleMax did not return my truck. This Govern by XXXX XXXX . see below XXXX Georgia XXXX XXXX XXXX - COMMERCIAL CODE ARTICLE XXXX - NEGOTIABLE INSTRUMENTS PART XXXX - DISCHARGE AND PAYMENT XXXX - Tender of payment O.C.G.A. XXXX XXXX XXXX XXXX XXXX . Tender of payment ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. Disclaimer : These codes may not be the most rec
11/28/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Vehicle was damaged or destroyed the vehicle	GA XXXXX	Web	Servicemember
I am writing to express my extreme dissatisfaction and frustration regarding a recent experience I had with Title Max, specifically in connection with the repossession of my vehicle and subsequent damage that occurred during the process. My vehicle, was repossessed from my home by XXXX XXXX XXXX XXXX at the behest of Title Max. Subsequently, I utilized Title Max 's services and paid the necessary fees to reclaim my vehicle. However, upon receiving my vehicle back, I discovered significant front-end and tire damage that rendered it undrivable. This damage was not present before the repossession, and it is clear that it occurred during the towing process. This process is the result of Title Max, XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. I am extremely disappointed and frustrated that the vehicle, which was in proper working condition before the repossession, has now sustained damages that were not my responsibility. I have made attempts to address this issue with Title Max, but regrettably, my concerns have not been adequately addressed. The lack of communication and resolution from Title Max is deeply troubling, especially considering the financial investment I made to reclaim my vehicle. As it stands, I am unable to use my vehicle due to the damages incurred during the repossession process, and Title Max has made no effort to rectify the situation or compensate for the damages. Nor has title max forgiven the loan. They call me daily to collect and advise of interest and when I mention my damaged vehicle they claim they will check on it and contact me later. Titlemax was made aware nd has provided no assistance
12/14/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Struggling to pay your loan	GA 314XX	Web
The company responded to a previous complaint but has not answered direct questions regarding the intial loan. They are deliberately stating things without giving clarity of what has taken place in the account. They stated that the loan has been refinanced XXXX times. This is not something the consumer chose to do but what is required by the company when you pay the renewal balance in full. They also have tampered with the date of renewal. When XXXX and XXXX got paid. They left it at XXXX still needing to be renewed instead of it being XXXX. They have this system that employees have stated called a rollback that allows you to roll your payment back for XXXX days. The data breach was never revealed to me at all but information was gained through news articles. Over XXXX has been paid to this company with them having not a care in the world about outstanding fees and damage they cause to families. Ive paid for this vehicle XXXX over. Including the repossession that was done in XXXX of XXXX ( the same time they claimed I refinanced ). I paid over {$800.00} to get my vehicle back from repossession. They made me refinance the loan just to pay my balance. Each time they make you sign the paperwork they are making you refinance. You have no choice but to sign it if you want to keep your vehicle. They are using unprecedented ways to keep people in debt and begging them. This is unfair to charge fees for this loan and never discuss that none of it ever goes toward the loan. People can barely take care of their families through these types of circumstances. They never reached out before sending in their decision either.
04/22/2021	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	IL 62864	Web
I had went to TitleMax in Illinois to get a title loan and I had brought them everything that they had asked for I was on unemployment at the time and my unemployment had ended well the GM at the Illinois store had seen that I had no income and I would have been fine with them telling me that I was not approved for the loan but she went about it her own way and head not told me what the interest rates were not told me how much the payments were going to be nor told me what the payoff would be after it was all said and done well 30 minutes after I left the business I called to the loan company TitleMax and had told them that I did not want the loan after I looked over paperwork online and she refused it and told me that I can not bring check back up there that she will not accept it and had made the remark by the way I love repoing vehicles I have contacted the company numerous of times and try to settle out with them and they won't accept the offer I feel like they took advantage of me knowing I did not have no income nor any way to pay my loan off and when I try to return the check they gave me they refused it I feel like they should be held accountable for all the illegal actions they took as in refusing to verify my income refusing to accept the payment back 30 minutes after I left the store refusing to settling out with me and charging me 134 % interest rate once again knowing I do not have the income to pay it back and I would have been fine with him telling me I'm sorry ma'am but you are not approved but instead they took advantage of me what legal actions can I do to hold them accountable for their actions
06/25/2019	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	GA 30344	Web	Servicemember
On XX/XX/2019 I went to TitleMax to obtain a loan o {$4000.00} after signing all paperwork I was unable to go to the bank to deposit the check so I decided to use my mobile deposit app with XXXX XXXX at first. I kept getting an error message stating that XXXX XXXX doesn't accept a deposit larger than {$1000.00} on the app so I decided to use my XXXX XXXX XXXX app which accepted up to {$10000.00}. Later on that evening I got an email from XXXX stating the deposit was accepted of course I was amazed because the check was already accepted with XXXX XXXX XXXX. I called both banks in the morning to find out how this happened and what to do from there. XXXX XXXX XXXX stated that the check will be on hold for XXXX business day until title max 's bank credit my account with the funds. XXXX XXXX stated the same I had to wait to see which bank will be credited the funds and the other bank will be canceled out. On XX/XX/XXXX Funds was released to XXXX XXXX XXXX. Then 11 days later funds was taken back and I didn't know why. I was on the phone with XXXX XXXX XXXX and they stated that title max never credited my account. I went back and forth with the banks and title max to retrieve the funds and they both are blaming each other I know for a fact that {$4000.00} can't just disappear and nobody knows where the funds went. Title Max stated it was no longer in their hands and it was a banking issue. So now at this point not only nobody is helping me and {$4000.00} disappear I owe title max the money and everyday they are charging me interest and I just want to get this resolve and get my title for my car back. PLEASE HELP.
04/12/2021	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	UT 84096	Web	Servicemember
3 years ago i got a title loan from titlemax here in utah. After paying on faithfully for 2 years i refinanced the loan. After almost a year I noticed my balance always remained the same. i contacted the store manager and going over how much I had paid over the 3 years. I was offered a settlement and paid if off in full. That was over 6 months ago. I received a call today from their corporate office stating I owed {$4000.00} and they were going to reposes my vehicle. I was of course confused and then quickly agitated so I told the XXXX that " you can't reposes a vehicle I paid off and I have the title for ''. So he said he was going to call the local office. I hung up and I called the local office and was XXXX? Of course they were like yes your vehicle is paid via a settlement offer. So I called the regional office again just to be sure that the two were on the same page ... NOPE! Again I was asked why I was late and I still had a {$4000.00} balance due. I was now beyond XXXX off and asked why the same company did not have the documentation that had to go through corporate to be approved ( the settlement ). Again, she called the office a few minutes later claiming yes, it was paid off but she said it would have to be approved and updated by corporate. These morons are completely inept and try to get money from people who have paid their debt but using the " well we didn't know '' tactic. Your corporate, how the XXXX you can you not know. This organization needs to be held accountable for fake collection practices and harassment of people who no longer even have accounts with them. this needs to STOP!!!!
10/19/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	GA 31404	Web
I received a XXXX title loan from TMX on my XXXX XXXX XXXX. I paid approximately {$5200.00} back but still did not pay off the loan and receive my title back. Around XX/XX/XXXX, I had to complete a number of repairs that were valued at {$2300.00}. I had fallen behind with Titlemax and let them know that the car had been in the shop, the amount of the repairs completed and asked if they would be willing to take a settlement. The individual I spoke with said I still owed approximately {$3900.00} even after paying the {$5200.00} but that they were willing to accept {$500.00} XXXX accepted the settlement and informed them that I would be able to make the payment in 2 weeks. Before the 2 weeks passed an individual - hired by Titlemax and acting on their behalf- came to my home, cut the lock on my fence & entered my backyard, removed the car, was armed ( but did not point the XXXX at me ) and forcefully removed the vehicle from my backyard while I stood there less than 10 feet away. I have a video of the individual on my property on multiple occasions casing the property as well as a video of the individual the night they broke in and illegally removed the car. In addition, the individual damaged my fence allowing my dogs to escape. My lawn mower that was near the vehicle was also removed but I did not notice until a couple of weeks later, I filed a police report for cutting the lock, trespassing and breach of peace during a vehicle repossession. I was informed today at XXXX XXXX that the vehicle is scheduled for auction tomorrow morning and the only way to resolve the issue is by paying {$2500.00}
01/28/2021	Yes	Debt collection Auto debt	False statements or representation Impersonated attorney, law enforcement, or government official	NC 27410	Web	Older American
Contract with TITLEMAX loan {$1700.00}. On XXXX. Was called by co. Employee on due date. ( loan due XXXX of month ) arranged to pay it off on the third or start making payments. Agreed loan made in XXXX Va. Manager said dont come here use the portal ( im nc resident, make payment via portal. Employee called me Friday nite of the third at XXXX XXXX I was told they closed at XXXX " youare late on your first payment! Mam nothing would let me talk finally I said arranged to pay off on the third. I have here you were coming in office today at XXXX : XXXX no mam I am paying on line not late due date has no grasp period but late payment fee assessment 6 days later meant contradiction in terms still not late by that contractual admission. She would not let up guests at dinner phone on speaker I was setting the table they heard it all. I said don't call me again this is not past due until after XXXX and not then dont call me anymore! Hung up I have voice mail she called me back saying she apologized for the lost connection knew full well what happened I did not return her message. Complained to co name of employee sent letter scared they are coming after my car? Got letter from home office in XXXX GA. Lady threatened to take my car said she had my letter made no reference to it said me arrange to make payments XX/XX/XXXX in XXXX or she was going to get my car! Signed her name as a Legal Analist. I think Attorney said she was collecting or repose my car. I dont know where to pay who to pay or if she is a Attorney or clerk making these submissions. Afraid I am XXXX year old XXXX adult. Please help me.
08/22/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	CA 92882	Web
I Obtained a title loan from the XXXX XXXX XXXX XXXX {$6100.00} in XX/XX/XXXX. I fe ; ; behind on payments because of lost of income and made arrangements to pay less. In XXXX covid pandemic stay at home were in place and I struggled more. I made small good faith payments and called the store about my situation. I was told Titlemax was closing XXXX stores and they did not know what would happen and I would receive info by mail. I never did, In XXXX logged in to make a small payment but the loan information showed 0. I thought it was temporary. I called a the XX/XX/XXXX at XXXX pm ( I have phone records ) XXXX customer service to find out my options and request some time to pay. I spoke with XXXX she said XXXX was not repossessing and they would keep my title until I paid the charge off amount. She also said they might consider a settlement. I confirmed my mailing address and told her I need help until XXXX. They did not have options. They are claiming they did not receive the call but my notes and phone bill are proof. I have pais approx. {$3000.00} in payments. My car was repossessed without warning XX/XX/XXXX at XXXX XXXX, I called the police because I was unaware. Title max did not follow procedure to charge off or repossess. They did not communicate because they were in transition and did not have the staff to follow protocol. XX/XX/XXXX I spoke to XXXX in restitution department. He said they would not offer reinstatement only a settlement. I told him it was XXXX Law to offer reinstatement. He said not. He offered a settlement of {$7000.00} due by XXXX XXXX or the car will be sold XXXX.
11/12/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TN 378XX	Web
We have a loan at Titlemax here in XXXX Tennessee we never been late we did have our pay day moved because we only get pay on the XXXX. This month I went to make a payment the loan is in my wife name we have XXXX loans on her car I make XXXX payment she makes the other. This month however as I went to make a payment they had moved and would n't take a debit card payment I do n't carry cash with me. So I made the statement I do n't carry cash and I will try to get back one day that week to make a payment. The XXXX guy who claims to be a manger said I had until Wednesday to make the payment I said once again I will be back one day this week again he said you have until Wednesday to make a payment I ask him than what you going to take the car throw me in jail beat me up. He never would say what would happen he was just a XXXX finally I told him if he came and took the car I would sued his XXXX. I walked outside to leave he follow me out and told me not to come back that XXXX could come and make a payment I told him we both made the payment and he did n't have to be just a XXXX. I call Corporate finally and the district manager called me back and he said I had 31 days being late before they could come and get the car. My wife finally went and made a payment and the guy told her I was cussing in front of customers. That is a lie from XXXX there was no customers or they was invisible ever XXXX else the employees was out to lunch but XXXX guy, I will tell him to his face he is a XXXX liar he bully me threaten me and cuss me out he had no right to do this. The car finance is in XXXX name XXXX XXXX
09/24/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 77021	Web	Servicemember
in XX/XX/XXXX i received a auto title loan with Title Max its now XX/XX/XXXX and i am still oweing XXXX on a XXXX loan. this is my complaint, i have comprehensive coverage on my truck and i stated that to them when i received the loan in XX/XX/XXXX but what i have found out is the whole time i have been paying this loan every month never late, they have been add on charges for comprehensive coverage, that i already had and the only reason it come to light is a employee of title maxx brought this to my attention 2 months ago. Also because of all the refinances and the high insurance charges, [ when i already had insurance ] the loan cost me more than i expected. Also they refinanced the loan XXXX times, i had no ideal what they were doing, I took the loan in good faith, and paid every month, but they did not deal with me in good faith, by repeatedly making me a loans with terms that i could not afford to repay in full, Also last year I ask XXXX of the employees of tile max, could i just come by and make payments before my due date if i had extra money to bring down the loan, i was told no i had to wait until due date of loan, Also last month i told XXXX of the employees at title maxx about all the wrong things that was being done to me in my contract he said to me its to late, i can, t do anything about it now. I really need help because i was done wrongly can your company help me? also the lady that made the XXXX loan that got me started was fired last year, her and the whole staff for something that they were doing, i founded this out today XX/XX/XXXX. I really need your help.
08/16/2022	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	SC 29640	Web
So I took out a loan with Title Max. The payment was actually higher than I wanted so I then went to another loan company and this loan company sent a certified check to title max to pay my loan off and the post office attempted to deliver the certified mail where someone had to sign to get it and noone was at office so they left a note saying they attempted to deliver mail. This check sat at the post office from the XXXX through the XXXX with noone trying to go get the mail with the check included. So on the XXXX XXXX from title max called to tell me they still had not received the check from the other finance company to pay off my loan. So I contacted the other loan company and they gave me all documentation that I needed to take to title max to prove from post office they attempted to deliver it on the XXXX of XXXX with no luck. So I took everything to title max proving that and then they went to get check and got it but then proceeded to tell me I needed to pay another XXXX dollars to finish paying it off. The check was wrote for the ten day payoff that was given by store manger XXXX and just because it sat at post office waiting for them to pick it up and didn't they wanted me to pay extra money. So I ask for her boss to call me and XXXX called me back saying he wouldn't call me back cause he had no need to. And I told her I would contact a lawyer and then she proceeded to tell me that her boss said since I wanted to contact the lawyer he wouldn't going to accept the check from the other company to pay off my loan. This is disgusting how this place of business is doing people.
12/19/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AZ 85741	Web
On XX/XX/2022, I went into TitleMax to get a title loan as I was need of cash. When I went in there were 2 other people getting loans. There was only 1 person working. The person was trying to help all 3 of us at once so we really didnt get individual attention. When it was my turn the representative just said sign here and here. Two signatures in total. He said everything was electronic and skipped all the information regarding the loan I didnt get any information regarding the loan. Days later I decide to take out the remainder of the loan that was offered on to look into the loan and the interest is exorbitant. I tried to repay it but the company blocked my ability to do so in the 48 cancellation window. There is no way I could afford this loan but I dont have the money to pay back the loan. As I used the funds for rent and back bills. I should been given disclosures and interest rate sheet. Instead the agent in a haste skipped over everything to get me out. I filed a complaint with the Consumer Financial Protect Bureau, they instructed me to reach out to the director of operation which told me to reach out to legal. I reached out legal and have not received a response. I cant afford this and the company is making me go in circles. The company keeps closing the complaints but fails to have a discussion. You breathed the contract when you blocked me from making a payment for 48 hours during the 48 hours cancellation period. You said that if I reach out to district manager we could work something out and when I contacted the office they referred to legal. Legal failed to reply.
11/25/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30815	Web
I VISITED TITLEMAX IN XXXX GA IN XXXX 2015. I SPOKE WITH THE AGENT ON DUTY IN REF TO PAWNING MY CAR TITLE. HE PROVIDED ME THE DETAILS OF HAVING A TITLE LOAN AND SO I PROCEEDED WITH THE LOAN. I WAS TOLD THAT MY PAYMENTS WOULD BE {$300.00} PER MONTH AND THAT IT WOULD TAKE 12 MONTHS TO PAY OFF THE LOAN. THE AGENT SECURED ME FOR A {$2000.00} LOAN. A WEEK LATER I WENT IN AND ASKED FOR THE REMAINING BALANCE I COULD GET AND WAS PROVIDED THE FUNDS, TOTALING {$2500.00}. I WAS TOLD THE PAYMENTS WOULD BE THE SAME, THE PAYOUT TIME FRAME WOULD BE THE SAME, AND ALL WAS WELL. THREE MONTHS LATER I SPOKE TO THE AGENT AGAIN ABOUT THE LOAN AND HE ADVISED THAT AFTER I HAD PAID {$1200.00} I HAD NOT TAPPED INTO THE PRINCIPLE BALANCE. ANOTHER AGENT HAD OPENED MY ACCOUNT AND ACCIDENTLY ADVISED ME OF THE ACTUALITIES OF MY LOAN. I HAD ANOTHER PAYMENT OF {$300.00} AND AFTER THAT ONLY ABOUT {$27.00} WOULD BE APPLIED TO THE ACTUAL LOAN. THIS IS NOT WHAT I WAS TOLD IN THE BEGINNING. THE FIRST AGENT STATED THAT I WOULD PAY A TOTAL OF {$2500.00} PLUS AN ADDITIONAL {$700.00} FOR THE INTEREST, WHICH WOULD EQUAL {$3200.00}. THE FIRST AGENT ADVISED THAT I NEEDED TO PAY MORE TO GET INTO THE PRINCIPLE OF THE LOAN AND ONLY THEN WOULD I BE ABLE TO ACTUALLY START TO SEE SOME RELIEF. BUT MY PAYMENTS WERE GOING TO BE HIGHER ONCE I TAPPED INTO THE PRINCIPLE WHICH MEANT MY TIME TO PAY OFF WOULD BE LONGER AND THEN THERE WOULD BE MORE INTEREST ADDED. I ENDED UP FILING THE TITLE PAWN UNDER MY BANKRUPTCY AND FROM WHAT I WAS TOLD THE DEBT HAS BEEN SATISFIED. I HAVE NOT RECEIEVED MY CAR TITLE AND IT HAS BEEN OVER A YEAR.
07/30/2018	Yes	Payday loan, title loan, or personal loan Title loan	Received a loan you didn't apply for	NM 87107	Web
XX/XX/XXXX - wrote headquarters informing them as stated on website regarding the circumstances on being forced to get an amount I did not ask for. XXXX - call customer service, promised a call back by general manager XXXX payment due of XXXX XXXX payment due went from XXXX up to XXXX. XXXX contacted head quarters again - the manger that was supposed to contact me was on vacation XXXX recieve voicemail from someone from company Called back left message on voicemail XX/XX/XXXX Emailed XXXX Emailed company head quarters XX/XX/XXXX recieved a collections letter XXXX Balance Due is XXXX XX/XX/XXXX - made a XXXX payment XXXX, along with other critial needs for my children. I asked for XXXX that is all I could afford. Regardless at most XXXX a month. Store manager gave me a low interest rate deal ( I was a loyal customer with a previous pay off I barely could do ) I take the new Max I qualified for being back XXXX in 24 hous and be a low interest rate. Being my oldest daughter was missing and I was highly stressed out I took my check and deposited it. Now I realize I was scammed and now in jeopardy of loosing my car. I make XXXX in XXXX! I can't support XXXX kids, XXXX with severe needs on XXXX. I asked for something with as much as XXXX a month payments. If I loose my car because of this greedy company scam, I will loose my daughter. This was very unfair and a scam on someone who is low income and vulnerable because I have good payment history. I fear I will loose my car soon, although I have attempted to reach the company before it was a threat to our livleyhood.
08/29/2017	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	MO 631XX	Web
XX/XX/XXXX. I was contacted by title max about my payments. I am behind XXXX payments on my loan due to my XXXX leave. I talked to XXXX on XX/XX/XXXX and was told come in I have the refinance option. I came in on XX/XX/XXXX to do the refinance and found out I needed to pay the past due amount of XXXX and bring the vehicle to refinance. I told them I should have been told this on the phone and I did n't have the funds I get paid the following week. They asked if I could borrow I said no and I was rudely walked to the door. Monday XX/XX/XXXX XXXX called and asked when I could pay. I told her again I thought I could refinance. She said you can but how do I know your going to pay going forward. I explained why I was behind and explained I came to the store with full intention to bring my loan current. She replied with a smart remark and I stated she was making me angry and that I 'm trying to be respectful. She stated oh I am making you upset. I said yes and she said I 'm messing with her money loudly in my ear I explained I owe XXXX XXXX and she said I 'm messing with her money. I ended the call. I feel like Im being harrassed even after making attempt to get current. I was given misinformation which is why I 'm still past due. I do n't appreciate the girl speaking to me the way she did when they messed up. I told them my pay date and even tried to ensure I would be in my next off day. I just wanted to refinance and get current. They threaten to take my car but are hardly helping me. This is the XXXX XXXX in XXXX XXXX Missouri located on XXXX and XXXX XXXX.
09/08/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Problem with the payoff process at the end of the loan	SC 29205	Web
I paid off my title loan early on XX/XX/XXXX of 2023. I was told that my title would be mailed back to the Title Max store location at XXXX XXXX XXXX XXXX, in XXXX, SC... I was also informed that the store should receive it within XXXX business days. Here we are at XX/XX/2023 which just so happens to be my birthday... And I still have not received my title back!!!! The situation is unacceptable and uncalled for??? I don't understand who title XXXX thinks they are or who they are attempting to play for a fool. But I promise them it isn't me. I have attempted to contact title max XXXX times regarding this situation. The XXXX times I attempted to contact the store the phone number wasn't working. And the one and only time I contracted title max at their corporate office/ phone number. I was instructed to contact the store location. Even after explaining to them that I could not touch base with the store location. This behavior is unacceptable and inexcusable!!! My title should have been returned to me 6 months ago My patience has reached an end I have attempted to contact title max XXXX times regarding this situation. The XXXX times I attempted to contact the store the phone number wasn't working. And the one and only time I contracted title max at their corporate office/ phone number. I was instructed to contact the store location. Even after explaining to them that I could not touch base with the store location. So I have received no official response from title max as in the store location or corporate??? I have been beyond patient in this regard...
06/21/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30035	Web
On XX/XX/2022. I went into TitleMax on XXXX XXXX in XXXX Georgia took out a {$8000.00} loan. I have not missed a payment. I have been paying over the monthly amount to this day. I have given them over {$12000.00} back and for about four months now theyre saying I still owe them {$6000.00} and each month my monthly payment either goes up or down depending on how much money I give them over, my balance is not dropping. I tried contacting corporate office. There is only one man that answers the phone and does nothing but connect you to the office where you got your loan from. I tried speaking with them, asking them why my balance is not dropping and basically I was told unless I walk inside with the full amount, the balance is not going to go anywhere and I have six months to move out of my house me and my children because I cant afford this anymore and these people do not care they are taking advantage of people and they need to be stopped. I can not afford to keep paying them more than I paid for my car which was XXXX. I have been doing reviews on XXXX nothing is working. I I plan on finding a suitable affordable lawyer to look into this matter. I have asked for my paperwork so I could match up the numbers of interest from when I sign my life away they wont give me that as well. Unfortunately my home had a flood and all my important documents got damaged on TitleMax webpage. It wont let you even view your documents. I will be going back inside the store to ask for my paperwork again Im good with remembering numbers so I will see if it adds up.
08/19/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	CA 91775	Web
The name of the company is Title Max in Pasadena, I made this title loan back in XX/XX/XXXX. Never a late payment Until XX/XX/XXXX, my balance was XXXX, ( I stop borrowed, and every month I paid XXXX approximately for at least 15 months) and this balance was always remind the same until I paid XXXX toward the principle in XX/XX/XXXX, my balance became to XXXX1 on XX/XX/XXXX but this company wanted me to still pay at least XXXX each month and they told me my balance will always remind the same unless I pay off the loan....this is Not Fair They have kept me on the dark side of my consumer right and want me to pay the highest interest rate and disregard my consumer's right, they also fired 4 staff that have been helping me to made payment every week because they don't want me to know my right to pay off this loan, I have paid more than XXXX to this company in XX/XX/XXXX to XX/XX/XXXX not counting the previous month that I have made to this company.... When I asked for my receipts to be send to me( bring this case to the Court,) they have adjusted my balance down to XXXX as of XX/XX/XXXX . I stopped making payment in XX/XX/XXXX, because I think it's not fair ( started in XX/XX/XXXX, I made 2 times every week, which is XXXX for each month which is XXXX) When I passed 1 day to the payment ( I set to pay Monday and Friday every week they will called me on Tuesday and want to collection of the payment, this is rediculous..... They also refused to send me the receipts of XX/XX/XXXX, XX/XX/XXXX , and call and they told me to make payment
06/11/2020	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	GA 310XX	Web
I had got a title loan from title bucks. Because if the COVID 19 pandemic I was late on payments but I since have paid XXXX on XX/XX/2020 and XXXX on XX/XX/2020. Which was what was agreed on by corporate and myself to get my where Im caught up. Now after I pay they said because I payed it on the app it didnt credit me for paying it the right way so they will set me up to call them next week and I dont think its fair that because there system didnt process my payment correctly that I should be subject to pay more when I cant afford it until 30 days. And they are telling me that I will need to sign a new contract and that way I will never get it paid off cause all I paid was XXXX towards interest which I didnt know that. I dont know what to do but I cant afford to pay on my car like this. Also they sent out a repo service and the man went in my vehicle and XXXX it and when I called the next morning to the title company and asked them who authorized someone to come repo my car and disable it. The manager is who I spoke to and she insisted for me to call the police because she didnt authorize any repo and I asked her did anyone in the office put my car out for repo and she said no that no one did and all of a sudden about 20 minutes later the repo guy shows up and tells me that title bucks did put a repo order out for my car but he was coming to fix my car cause I was unable to drive it and he tells me to pay my car note. So the manager lied to me and now I dont trust anything they tell me and Im worried Ill end up losing my car. Please help
07/18/2023	No	Payday loan, title loan, or personal loan Title loan	Received a loan you didn't apply for	AZ 85281	Web
On XX/XX/XXXX I applied online for a title loan with this company I was awarded a total amount of XXXX but only opted for XXXX funds were then deposited that following Monday XX/XX/XXXX. On XX/XX/XXXX I then wanted to see if I could qualify for more and when I logged in the website advised me that I could get XXXX more in cash and click to apply. Once I clicked applied I was advised to pay XXXX and some change to refinance my Loan for the new amount. I paid the money and the system refinanced my entire loan for XXXX. I never signed any documents I never agreed to the full amount and no funds were ever deposited into my account. I then called and spoke to XXXX who advised me I refinanced with no funds and that she would refund me the XXXX and then send it to her supervisor and would call me back. ( I never got a call or a refund ) I then called again on XX/XX/XXXX and spoke with XXXX who said that she didnt see me ever getting a XXXX dollar loan she saw me getting a XXXX loan and when I attempted to explain to her I had a different loan number she said she would have to send it to corporate. I called today on XX/XX/XXXX and spoke to XXXX again and asked to immediately speak to a supervisor. XXXX said she would transfer me to XXXX and put me on hold for several moments. When she returned she said she was transferring me and disconnected the call. I know it was on her end because I was on my XXXX and had no contact with my phone. I feel This is clear predatory lending and did not agree to any of the terms to be charged the full amount.
07/22/2022	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	GA 30331	Web
On XX/XX/XXXX, the funds for the remaining monies owed on the title loan ( {$64.00} ) was paid to Titlemax XXXX Resolution Department located in XXXX, Texas. I was informed I would receive release letter via mail. When I did not receive the release letter within two weeks, I contacted the Resolution Department in Texas. The representative said it would take up to 14 days before the release letter would arrive to my address. I provided the representative my current address. I waited three weeks before contacting the Resolution Department again. The representative advised the account had not been paid. I provided the representative with the confirmation number provided by the initial representative. I offered to pay the balance again. However, the representative voiced she would send it to the compliance department to resolve the matter. When I didn't hear anything, I called Resolution Department a fourth time. I was on hold for approximately 45 minutes. My wife attempted to resolve the matter. She spoke with XXXX XXXX, who provided an email address to send confirmation of the payment. XXXX XXXX stated she would send the documentation to compliance. My wife called XX/XX/XXXX to find out the status of the title release. XXXX, a supervisor, indicated no action had been taken to release the hold on my title. It has been 3 months and I still have not received a release letter or a clear title to my vehicle. I have been given the run around going from Titlemax in XXXX, Georgia to making numerous telephone calls to resolve this matter.
05/06/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	VA 23228	Web
I have been unemployed for more than 10 months and have been in continuous contact with the store about my financial situation and they have sent emails saying they are willing to work with borrowers and this is far from the truth. I borrowed {$370.00} and have already paid that plus additional money and can't get caught up on payments due to the current job market and being unable to gain employment. I understand there is a cost in borrowing money but I called the store and was told t call the resolution department of the company. When I was able to come up with some money to negotiate a balance I called the resolution department and they told me they couldn't help and I had to work with the store. In the meantime, I have been in constant contact with the store they called one of my references and told him they were calling regarding my account with Titlemax which should be a violation of privacy. Additionally, the employee named XXXX refused to give me my title number to verify with the State of Virginia that I had insurance coverage. She said it was against policy so I had to call their customer service department to get a call back from a District Manager to give me this information. When I called to inform the employee XXXX that I called the resolution department and they told me that I needed to speak with the store to work out a payment arrangement she was rude and told me she knew I complained about her so this is why I believe they called references even though I had been in contact with the store.
08/30/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Vehicle was repossessed or sold the vehicle	AL 36116	Web
We tried to get help from Titlemax due to our financial situation. Titlemax didnt care about anything but the money. We submitted documents showing the repairs for our vehicle and pleaded for help. They ignored our pleas. We had the option to get our vehicle ( that was in the shop from XX/XX/XXXX to XX/XX/XXXX ) out of the shop or pay it towards our loan. We chose to get the vehicle out of the shop so my husband would be able to go to work. We got it out XX/XX/XXXX and my husband was able to get right to work. We made several payments as soon as we could, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments were made towards the loans, because we had the vehicle needed for work, to transport my husbands tools. XX/XX/XXXX just after XXXX our vehicle was being repoedthey tore up our grass and tried to cover it up. They did allow us to grab some things, we needed, such as our tools, from it before leaving with it. We have a hum device that was connected to the vehicle. The hum is connected to our XXXX account, which shows location of the vehicle. This hum should have been with our property when we went to pick it up. It wasnt there. They stated nothing was in the vehicle but there was personal front tag, head rest hooks, a bunch of change, phone chargers and out XXXX! The last location of our hum and vehicle was where they auction d it off!! We want our property!! I have attached photos of the vehicle location after they repoed it. This is from our hum device. If more hum records needed, we will gladly provide them.
08/17/2023	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 30096	Web
I am currently a longtime TitleMax customer, and I am currently stuck in a title loan with this company that originated in XXXX of XXXX. I took out this loan at a time when I had no other options as my husband was XXXX and on XXXX for XXXX XXXX. I borrowed just under {$4000.00} at the time, and I have been paying at least {$500.00} each month since then which has resulted in more than {$24000.00} in payments of excessive interest and late fees for my XXXX XXXX XXXX. I have attempted to contact the office, and in my communication with the associates at the XXXX, Georgia location, I have been unable to come to a resolution, and each time I attempt to contact the corporate office via their XXXX number, I am rerouted to the XXXX XXXX which has constantly communicated with me using deceptive and financially abusive tactics to drain me of more than XXXX times the amount of money that I originally borrowed XXXX years ago under the constant threat of " pulling in '' or repossessing my vehicle. Since XXXX, I have paid TitleMax 's excessive interest and fees in spite of financial difficulty, a worldwide pandemic and the historic inflation rates following the pandemic. The jingle from the ads from this company says, " Get your title back with TitleMax! '' That's essentially what I expect as a result of this complaint and an honest review of my account. I expect for TitleMax to settle this account as paid in full from a corporate level, and I want my title back, as it is the only ethical thing to do in this case.
09/08/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	FL 34608	Web
On XX/XX/XXXX, i went to Instaloan, a subsidiary of Titlemax to get a small title loan to help with some bills that got behind because work was slow at my job and I had lost some hours. I was told by the girl at the desk, multiple times throughout our interaction that on my loan of {$600.00}, that if I paid my required payment, the total I would pay at the end of the loan would be {$870.00}. They also convinced me to get additional insurance on my car, a XXXX XXXX with XXXX miles on it. They told me the extra insurance was required because I did not have full coverage, only the state minimum. I found out today that was a lie. I have paid my payment on time each month and have given them over {$700.00} now, but noticed that my payoff amount had stayed the same. So I called them. Today a different lady told me that the interest accrues every month and that ive only been paying the interest. Over {$150.00} a month. I told her the girl never said that. Even my paperwork didn't say that. She told me multiple times that the total after everything was {$870.00}. This new lady told me basically if i make the required payment, I'll be paying this for the rest of my life. I only paid {$1800.00} total fir this car. I can't afford to lose my car but I also can't afford to payoff this predatory loan in XXXX lump sum. If she would have explained how this interest worked, I would never have accepted the loan offer. Now I'm looking into trying to sue them. I already suffer from anxiety and this is effecting my health.
10/03/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Loan payment wasn't credited to your account	AL 352XX	Web	Older American
On XX/XX/2023, I made a online payment of {$73.00} to Titlemax. I then went to the store located at XXXX XXXX XXXX, XXXX, XXXX. I made a cash payment of {$550.00}, The amount due was {$620.00}, which is what my payments totaled, My payment was not due until XX/XX/XXXX. A few days later I started to get calls from Titlemax, I told them that I already made my payment. The manager wanted to know when did I make it. I informed him that it was made on XX/XX/2023. He then informs me that my signature didn't go through. I asked him to stop calling me. I had made my payment on time. The calls continued. I then went to the store, receipts in hand. He again tells me that my signature didn't go through. I again asked that they stop calling me. I have received calls on a daily basis. I called again and asked that they stop calling me. The young lady that I spoke with said that she would note this to my account. The calls continue on a daily basis. I went again to the store and spoke again to the manager. I told him to stop calling me. I told him to stop harassing me. He left a voicemail threatening to take my vehicle. He said it was an IT issue. He then tries to pressure me into making another payment. This was XX/XX/XXXX. I told him I would not make XXXX payments in XXXX month. He said that's not XXXX payments in XXXX month. I told him absolutely not. He did this XXXX times. I told him that I would file a complaint. He said I can not in the state of Alabama. I told him that I can, and I will. The calls continue.
08/04/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	FL 32724	Web
instaloan lied and told me my interest was a 2.5. % they says there is an " optional '' insurance if you do n't have insurance ( i have full coverage ). the insurance adds $ XXXX per month on top of the loan and then they say that it goes into the interest. they will not provide me a loan summary, interest summary, or an explanation and break down of monthly charges. i have asked 4 times for the information to be faxed to me and they never have. i receive no monthly bill or documents detailing the fraudulent charges. i refused to pay the loan until they adjust the fake insurance they tack onto the loan and proved me the details of the loan as required by regulation for loan originators. They keep telling me that they insurance is " optional '' but they would n't accept my insurance information or allow me to deny that fake insurance coverage. im contacting an attorney and also the department of justice in relation to this company. they have countless consumer complaints through various internet and consumer sites. this seems to be a sham loan company and consumers are being taken advantage of., i contacted insta loan 4 different occasions and requested documents to be faxed and have received no response. i spoke with XXXX XXXX, who hung up on me when i requested ( for a fifth time ) for the loan documents and interest summary to be faxed to me. they refuse to give me any information on the loan. they refuse to provide any information but expect me to pay a fraudulent insurance on top of my loan.
01/21/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX 75074	Web
My wife is XXXX, with a number of ailments, including a XXXX XXXX. She has never had any financial experience whatsoever and does not have a clue what any of the terms mean. Several months ago, our daughter " needed '' some money for something and she suggested my wife get a title loan on the Lexus I had just paid cash for. The TitleMax people were only too happy to take the title to the car and give her less than half of what it was worth. It appears she may have gotten something TitleMax would call " disclosures '', but she did not understand them and ended up signing under pressure for a loan with 116 % APR. She was loaned {$5000.00}, has made {$7000.00} in payments and they want another {$6000.00} to release the title. My wife is XXXX ( was at the time of the loan ) and can not work. I am currently ( for the past year ) undergoing XXXX for the second time. She is going to lose her car after paying more than ten times what she should have paid for a short term " loan ''. Its pretty clear these people, who have very aggressive phone sales practices, are dishonest sharks that ought to be put in jail. Among other things, we are alleging a severe violation of UDAAP - clearly my wife was at risk and they took advantage of her age and lack of financial sophistication. We want the title back and any money already paid that exceeds a fair rate of interest. These guys are serious crooks - why are they allowed to remain in business???? They prey on the poor and those who are down on their luck.
11/16/2021	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	VA 238XX	Web
This company has not responded to written request for account information and receipts for payments I sent in. Now they sent me a letter 4 days before due date {$690.00}, again with no interest info, no balance info, no response to emails sent XX/XX/2020 ; review of audio I send via email showing the predatory actions of your companys previous XXXX XXXX, va location. They have not contacted this entire time via usps as requested in my CAD ; that requires in writing communication or litigation. On my audio i showed you employees acting as others employees ( that were off that day ) just to talk about account and set up payment arrangement. Then when i would call back with the payment for payment arrangement the employee that I was told ai was speaking to would say I was off, you couldnt have spoken to me and im not accepting that payment. This happened three times ; their intention was to have the interest grossly accrue/induce charges due to my balance being over {$6000.00} at over 301 %. I even filed FTC complaint XX/XX/2020 ; in the companys response they lied about everything ; so I sent a copy of the letter and proof that it was lies from your counsel ; again no response from company. False statement such as saying I sent payment to wrong service center, I opened and only ever dealt with XXXX XXXX, va location. In addition you XXXX, va location processed one of the several money orders I sent but not others so that is unethical to choose when you want to practice the truth.
02/26/2023	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	GA 312XX	Web
VIOLATION OF GA LAW REQUIRING AGENTS BE LICENSED TO ISSUE TITLE PAWNS OR LOANS XXXX XXXX ISSUED TITLE LOAN/PAWN ON XX/XX/2022 TO ME WITHOUT BEING LICENSED AS REQUIRED BY LAW Chapter 47 of Title 43 and Title 44 of the Official Code of Georgia Annotated XXXX XXXX XXXX XXXX and XXXX ; 7-3A-3. 87 ( a ) No person shall engage in the business of making motor vehicle title loans in Georgia 88 unless such person is licensed by the department in accordance with this chapter or exempt 89 from licensure as provided in Code Section 7-3A-4. 90 ( b ) Any title loan made by a person without a license, unless such loan is made by a person 91 exempt from licensure, shall be void, and any right to collect any money in connection with 92 such loan shall be forfeited. The person making a loan voided pursuant to this Code 93 section shall promptly refund any money paid and return to the borrower the motor vehicle 94 title and, if applicable, the motor vehicle or its fair market value. 1 enforcement of this chapter. 752 7-3A-46. 753 ( a ) Any person who willfully engages in the business of making motor vehicle title loans 754 without a license or exemption shall be guilty of a felony punishable as provided in Code 755 Section 7-1-845. 756 ( b ) Any person who violates any of the provisions of this chapter shall be guilty of a 757 misdemeanor, which shall be punishable by imprisonment for not more than one year or 758 a fine of not more than {$1000.00} or both. GEORGIA MOTOR VEHICLE TITLE LOAN ACT
05/07/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	KS 666XX	Web
I received a title loan through titlemax in XXXX Kansas their location in XXXX to be good and I was approved for {$600.00} but they only let me receive {$400.00} until I make my XXXX payment then I would be able to receive the other {$200.00} unfortunately I never make the 1st payment. So I only ever received {$400.00}. It's been a few years now since the loan and I guess I forgot and I never called to check on it because of then I was at XXXX shopping and they repossessed my car while I was in the store so me and my kids were left with no right home And no idea where the car even went for 3 days to the police department finally locatedit and I tried working a payment out with the corporate office for titlemax and they were beyond rude Multiple people I spoke with. They wanted XXXX That was it I could only come up with XXXX and I asked if there was anything they could do they refused at the same time They spoke to me in the most degrading and disrespectful mannor That I have ever received from any body else especially from any employee or buisness as a whole. They have since continued not to speak with me it's been a total of 3 weeks since my car was repossessed they refuse to talk with me by continuously hanging up on me or being rude and yelling to the point they can't hear anything I try saying. They refuse to give me anything put of my car when they took it nor would they even dispose the tow company name for me to atheist get my belongings out of the vehicle.
08/04/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 754XX	Web	Older American
On XX/XX/2018, I applied for a Title loan with XXXX XXXX in XXXX XXXX, TX. Staff employee XXXX XXXX set up my account. I specifically agreed to pay monyhly {$100.00} to expedite the loan pay off. I received a check for {$460.00}. Each month I was not allowed to pay {$100.00} on my loan. I was required to pay other amounts lower than {$100.00} that I agreed to pay. Their required amounts that I was asked to pay were, {$97.00}, {$93.00}, {$87.00}, and {$91.00} which allowed them to control my loan not being paid as I had asked and they forced me to sign a new contract XX/XX/2018. Adding more interest to the loan. I had a very long conversation with XXXX XXXX and I accused her of running a scam on me just for the money. I also told her that there were over 100 complaints against XXXX XXXX for corruption against their customers and a former XXXX XXXX employee posted how corrupt XXXX XXXX is and explained how they cheat their customers. XXXX XXXX acted ignorant and said I am responsible for reminding them what amount I am paying. I have questioned them several times about giving me different amounts to pay. I recorded my conversation because XXXX XXXX is guilty of fraud refusing and denying me the right to pay the amount I agreed to pay. XXXX XXXX lied to me about giving me a choice of what payment plan I wanted and she never allowed me to pay the $ XXXX monthly payment. I was very angry that she could sit there and lie. And this is how they cheat their customers.
11/11/2022	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 76039	Web	Servicemember
First, I was told the branch in XXXX was closing and the XXXX location was taking over that locations loans. I learned later that this is not the case. I was not shown the interest rate at the time I moved the loan to XXXX Texas. I am currently behind one payment and unable to have an adult conversation on payment arrangements as I go back to work, 1 ) each conversation turns to the Title Max workers telling me in different ways that my car is going to be repossessed. 2 ) about 11 days ago, I called the XXXX branch to inquire if my loan can be moved to their branch. I was told In order to move your loan here, you need an income of {$9000.00} a month, also, XXXX. XXXX wanted me to tell you theyre coming to get your car and will have it in a few days. This last statement came after I informed them Id like to make arrangements on the payment I owe. I also called the Titlemax corporate line and asked if there was anyone I can speak to on a corporate level, that wont answer my question What are my options with ( Titlemax answer ) Youre at risk for repo and tow trucks have the technology to find you in any parking lot. As I spoke to someone in XXXX, they again dont acknowledge what Im saying and turn it into fitting their narrative of threatening comments, this is after I was transferred from a corporate rep and released the call stating Im going to realease the call, I havent heard any threats. Obviously, because the threats and harassment happened prior.
07/27/2023	No	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	IL 620XX	Web	Servicemember
In XX/XX/2021 my vehicle was taken for being 30 days late during the pandemic. No notice left, no contact with me. I owed {$1500.00} left on the account. I paid $ 1500+ when I got it back. Now years later after I tried to get my title back and contact them I wake up and my car is gone? Called the police to report it and they said even if it was repossessed they have 30 minutes to notify them of any repossessions. Title max is telling me that I cant get it back without paying {$3000.00} my entire loan amount or its sold in 10 days. THEY TOOK IT FROM AN ADDRESS WHERE I CARE FOR AN XXXX WOMAN FOR WORK. I was literally at WORK. All of my personal stuff. My wallet. Etc. there isnt even a Titlemax in Illinois!!! But they keep telling me to call them. My heart is broken. From the beginning its been horrendous. The day I got my loan they didnt even give me what I was fully qualified for because they didnt want to restart the loan because it was closing time. They CHANGED my income to be more because they said they cant charge me more than a certain percentage of my income for my monthly payments. I have tried and tried to call and reach someone to speak about these obscurities and no one can help me. They give me a number to call for Illinois and it only ever says Im calling after hours. My original loan amount was {$3000.00}. I made at least half the payments before they took it the first time and paid them over {$1500.00} when they took it. Now I owe them $ 3,000+??
08/21/2015	Yes	Consumer Loan Pawn loan	Charged fees or interest I didn't expect	GA 30032	Web
In XX/XX/XXXX, I borrowed {$2000.00} from TITLEMAX of Ga. I made payments as agreed and sometimes more to bring down capital. I have been making payments for 3years totalling over {$12000.00} on a {$2000.00} loan. XX/XX/XXXX the car brokedown and is not drivable and too expensive for me to fix. FIRST OFFER i made. I gave Titlemax the address where the car was located and advised them to go pick it up in lieu of anymore payments and closeout my account. They never picked up the car. Instaed, they kept calling me and demanding payments. I made futher payments. SECOND OFFER i made. On XX/XX/XXXX, I made a payment to Titlemax and I ALSO OFFERED THEM {$1000.00} as full payment to closeout and settle the account in FULL. I had a friend who was willing to loan me the {$1000.00}. I presented this offer to XXXX, the manager at the XXXX store, who promptly sent email of my offer to his boss immediately. He promised me it will only take 2days to get a decission. I made it clear that I could no longer afford monthly payments and the payment was my last and my offer was final. I had been making payments since XX/XX/XXXX totalling over {$12000.00} and can not make anymore. It 's been 2months and Titlemax has yet to accept my offer. Instaed, they keep calling me demanding a payment of almost {$3000.00}, which I can not afford. THEY HAVE BEEN VERY UNFAIR AND VERY GREEDY AND IMPOSSIBLE TO DEAL WITH. My offer is fair considering ALL THE MONEY THEY MADE FROM ME ALREADY.
03/07/2023	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	GA 312XX	Web
I am writing to file a complaint against TitleMax, a title pawn company operating in Georgia, for violating state and federal laws related to title pawn transactions. Specifically, I have discovered that someone other than the title pawn issuer, XXXX XXXX, has signed the written agreement for my title pawn transaction, on XX/XX/2022, with TitleMax ( parent company TMX, LLC ), which is a violation of Georgia law ( O.C.G.A. 44-14-410 ). This discovery has raised concerns that the transaction may be invalid and unenforceable, which could put me at risk of losing my collateral or facing other legal consequences. Despite my attempts to resolve this issue with TitleMax, they have refused to address my concerns or take any corrective action. I believe this is because TitleMax knew or should have known, prior to XX/XX/2022 that XXXX XXXX did not possess the required license to issue title pawns, without the supervision of a licensed broker. As a consumer, I believe that I have a right to fair and transparent financial services, and I am disappointed that TitleMax has failed to meet these basic standards. I am also concerned that other consumers may be similarly affected by TitleMax 's illegal and unethical practices. Therefore, I request that the Consumer Financial Protection investigate TitleMax 's business practices and take appropriate enforcement action, including imposing fines and penalties and requiring TitleMax to provide monetary restitution.
11/13/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 78210	Web
I Did a title loan on my car a XXXX XXXX XXXX XXXX to XXXX On my monthly payments they want Payments of XXXX honors and something a month and if I am late then I have to pay a little over {$800.00} a month I can not afford. I'm on a fixed income of XXXX of Of {$720.00} a month.. I receive my XXXX on the XXXX of the month and I also have bills and rent to pay as well Out of the XXXX I need to pay title Max over {$500.00} a month for the loan and sometimes i don't have enough to buy food or pay my electric or my rent on my fixed income so if i pay partial of my loan payment they charge me {$800.00} I don't even get {$800.00} a month and my XXXX therefore there's no way I can survive pain electric bill food or rent and {$500.00} a month on this loan I went in there a few times because I was I was O I'm a few days late so instead of paying $ 500 day were charging me {$800.00} which I don't have and I tried to give them {$600.00} they refused to take the {$600.00} said that they were going to repossess my car My car is the only thing that I have that I own in a did this title loan and I'm on a fixed income and they are just over charging me and threatening me every single month that they're going to come and get my car because they know that I can't make the payment I feel I'm taking advantage of them knowing that I can't afford it and they did the loan just that with a can take my car that I own they wont-work with me on payments or anything whatsoever
05/05/2023	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	GA 302XX	Web	Servicemember
I took out a title loan last year around XX/XX/XXXX the hardship was concerning having to get a loan to pay off a bill. the loan was for {$900.00} dollars. I was on time but missed a few payments by XXXX day which caused my loan to rise and made it harder to manage to pay.In XX/XX/XXXX my bank account was deeply compromised and all my funds in each banks had to be closed .My social security number was found to may have been also compromised XXXXThere credit applications for housing in New York as well as large purchases in restaurants and lumber transported to a an address in XXXX. I filed a complaint with the banks that the accounts were compromised and an investigation was set in place. I contacted all business which included TitleMax who added another signing raising the amount owed. Then on the next month I received a letter from Title Max that my file with them may have been compromised.There wasn't a change in their policy that was set aside for my concerns.I could not pay them the XXXX and called the Georgia Customer Office who told me that they do not handle cases such as mine and that i should contact the Title Max in XXXX Georgia .I did as such and the agent there was not of my care or concern and we were soon screaming into the phone that the notice sent did not have anything in place for bank issues or any other way to fix my problem that progressively I would have to pay an upgraded fee and that I am still locked into this loan.
10/15/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 75071	Web
I opened a title loan with Title Max prior to the Pandemic around XX/XX/XXXX and have asked for assistance now and around XX/XX/XXXX. I was recently divorced and when the pandemic hit my ex-husband lost his income and then his job and now has been forced to file bankruptcy. This has affected my income as I am a co-signor to the mortgage, and other significant bills. Now this burden is on me. I explained this to the company today. Also, when the pandemic hit my company cancelled bonuses which I would have used to pay this loan off. This company will not offer any assistance although their President sent out an email and their website advertises assistance for COVID 19 relief. I sent an email to XXXX XXXX, President of the company and to their customer service and I have heard nothing. I called customer service and they told me to call the store, the store is not willing to do anything but offer me a few days to make the payment. I pay XXXX XXXX monthly. I have paid over {$10000.00} in interest alone while suffering the impact of financial loss. I do understand this is a loan that is intended for short term use, but, no one expected the pandemic to hit. This company is false advertising assistance that can truly help customers and this is appalling as other loan companies are truly helping. Definitely a loan shark company that doesn't care about customers. I want them to remove the Covid-19 relief from their website and to reduce my payments.
04/09/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	NV 89147	Web
I finally was making payments on time after thousands of dollars in their pockets and not applying to my car. I've been on time for the past 2 months and because of the coronavirus lockdown and no work I can not make a payment and they're not willing to Bend at all there is no way I'm refinancing and falling more behind again absolutely not and they should freeze the accounts and give us another month to pay this is XXXX. They're clearly taking advantage of the situation at all costs this {$6000.00} loan is turn into like a {$15000.00} nightmare and now it's going to keep going up higher higher again because of this virus. I only owe XXXX left and if I fall behind you I'm just going to let this car go with this point I can't invest any more money into this with more late fees it's going to cost me {$900.00} extra a month every time I'm late extra above my payment. My payment is {$1500.00} a month. Please people have XXXX me over on this lease like you don't even know but my worst hang up with them right now is that they're not even working with people due to the lock down it's not our fault. They should be shut down out of business for doing this to us. Especially because you're allowing them to stay opened the business and they're XXXX over the people that already has loans and I can't pay them right now giving the more power because nobody is putting their foot down with this company. They're getting their cake and eating it to.
12/04/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 75243	Web
My complaint is with title max XXXX az XXXX & XXXX school I have had this title loan on my back for XXXX years n the principle never goes down its almost like you have to pay it all back at once the payments mean nothing I pay XXXX a month for a XXXX dollar loan which in XXXX years I have given over XXXX dollars to these people as of right now XX/XX/XXXX my vehicle has been XXXX in Texas I am here visiting family XXXX they took my truck knowing I have made XXXX years of payments an quickly paid to get my truck back previously meaning the same thing happened on XX/XX/XXXX XXXX XXXX an I had to go thru this process this is sickening how they can get over on people ruin their holidays an the people at the office who I make my payments too every month for XXXX years constantly act as XXXX they dont know who I am every time we speak didnt have the thought to call me XXXX let me know before they decided put in for XXXX this is crazy my truck is a XXXX XXXX XXXX for me to over pay this much something has to be done it has to be something I can do an on top of recent repo I lost my job Cuzz the XXXX company says I have to wait till mon to retrieve my truck due to so many XXXX in Texas so Im stuck paying a hotel room till Monday at XXXX thats when they say I can have my truck back after I have already paid in full Friday this is not what a loan company should be able to do to someone thats actually paying for something I needed
06/09/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AL 36116	Web
My husband and I went to TitleMax in XXXX, Alabama to get a title loan on our vehicle title on XX/XX/XXXX. We went in to make our monthly payment on XX/XX/XXXX, they could not retrieve our file for us to make that payment. The payment was for {$620.00}. We were not able to access our online account and the store personal could not access our account. Our payment was not due until XX/XX/XXXX. On XX/XX/XXXX we went in to the location to make the payment. The payment amount went up to {$1200.00}. That took everything we had to pay it. They refused to take a partial payment or work with us. Claimed it was policy. Not knowing that they are charging us outrageous interest rates by the DAY!! We have to decide on either paying our house bills or paying this outrageous loan rates. Title max is robbing its consumers. We can not get our vehicles repaired. We can not pay our house bills, or even put gas in our vehicles to go to the store. PLEASE HELP US!!!! This is inhumane for a company to charge us 170.21 % and 194.55 % Finance charges by the DAY!!! They are charging us daily for this obscene loan. We are going to loose our vehicles because of their rates. A {$7500.00} loan is going to costs us over {$13000.00} to get our title back. This is just for one of our loans. We were not aware of this at the time we obtained the loans. They also call nonstop with no voicemails. We also received notices of data breach...
04/05/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TN 370XX	Web
A CSR from Titlemax in XXXX, TN has broken the privacy policy. She took the title to my vehicle, the first page of my contract ( with my personal information on it ), and a letter from the state of TN denying their request to be made lien holder on my title to XXXX XXXX telling them to fill out a discharge of lien paper and give it to her because when XXXX XXXX released the lien on my title the store associate had not put the date next to her signature. The XXXX XXXX employee that the Titlemax CSR spoke to when she took the papers into the office saw all of the information on the contract page because the CSR laid the papers down on the counter in front of her and said that my name was even highlighted on the paper. I used to work XXXX the Titlemax employee went to and the XXXX XXXX employee she spoke to was XXXX and she now knows not only that I have a loan with Titlemax, but she saw all of the information on the first page of my contract twith them. I can not even begin to explain how embarrassing this is and how upset I am about my private information being shared which is a clear violation of the privacy policy that was explained when the loan with Titlemax was established. The XXXX XXXX employee explained that she could not give a discharge of lien to anyone other than myself or the state of TN if requested because of privacy laws in TN, and then contacted me to let me know what had happened.
06/06/2023	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	GA 30344	Web	Servicemember
On XX/XX/23 a representative called me from the title max store saying I needed to pay {$1000.00} to bring my loan up to date I asked for the information I never received about loan repayment and what I owe and what my money will go to she said she will have someone reach out to me onXXXX someone called me saying they are from title max corporate office and they asked for me to give them {$500.00} to bring my loan up to date I informed them I asked for information I never received which tells me the details of my loan what the money is going towards my finance rate and everything to explain how I could repay and if what they are charging is indeed what I signed up for he told me I needed to go into the store I explained to him that I am physically un able to go to the store to get this information can you please mail it to me. When I signed up everything is as supposed to be available to me online it never was and I was eventually locked out of my title max account log in app and I continue to receive an error message so these documents that were supposed to be originally available to me on the app were never given to me and I never received a copy of what I thought I signed My original loan was {$1500.00} so I dont understand what hat I am paying for and what is indeed the status of my account the company refuses to provide me any information I. Writing by e mail or by phone
09/15/2017	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	MD 20774	Web	Older American
XXXX XXXX XXXX XXXX, ( which is operating under that name, but has a different logo than the real one ), answered my phone call, and after telling me that they had no Maryland office and that I had to come to Delaware, then told me that my request to borrow XXXX was out of the question as their minimum was {$6000.00}. After telling them I did not need that much, I was told it was the only option. I went there and was given a Black computer screen, as she read everything in the contract rapidly, and told me to sign my name on the Black screen. Upon completion, I was told to take the check to their bank and that there was no grace period for payment. upon riding back home, I opened the envelope to read the contract and was shocked to see that it said 119 % interest and payments of {$680.00} per month. I was so scared. I managed to pay for a year, in spite of all my problems, but in the interim, lost my home, and suffered many things including lack of meals and proper food. I am still displaced. I feel that this company took advantage of a XXXX, Female, Senior citizen ( XXXX yrs old ), and that I am a victim of predatory lending. They have harassed me with calls, and I offered to do a settlement, which they never got back to me on. They have my title, and they want {$10000.00} plus the {$6000.00}. in full. I have paid them over {$8000.00}. Please help me with this.
07/23/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AL 35022	Web
My XXXX was stolen. There was a loan from TITLE MAX in XXXX, Alabama. The manager, XXXX informed me that all I needed to do was bring the police report and the loan would be satisfied. I DID inform him that the vehicle was at a scrapyard on highway XXXX in XXXX. he said that once they were scrapped TITLE MAX did n't want them. I did as instructed by XXXX. I decided to use the little money i had to get XXXX from police impound ( {$400.00} ) and make necessary repairs to get it running rather than put into another vehicle. Had windshield replaced ( {$200.00} ) XXXX ( {$100.00} ) XXXX ( {$50.00} ) based on XXXX 's word that loan was satisfied. XXXX was no longer worth the cost of repairs plus amount of the loan. AFTER this was done he sent for the truck. There was never any mention of this to me. He NEVER informed me that he could change his mind, just lied to my face. I have pictures of damages to the XXXX, police reports, and will gladly give detective 's name and number for verification. I 've had previous loans with TITLE MAX that have been settled without problems. I 've always made payments in a timely manner. as matter of fact, when vehicle was stolen, I asked XXXX if interest could be stopped and i could work on paying balance of the loan so i wouldnt default on it. He told me that it wasnt necessary. THIS MAN IS DISHONEST AND MADE ME A VICTIM XXXX!!!!
07/03/2023	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MO 64138	Web
I am requesting TMX return my car title they are in violation of MLA act ; they pose claim that I deem as heresy re : they step they have taken to verify they have performed such verifications and have not provided proof of any of their statement to no wrongdoing. I am submitting my original contract, which they have not provided in dispute of my claim that the following does not exists as this statement does not appear on my original loan documentation. : k. I AM NOT a regular or XXXX XXXX of the XXXX, XXXX, XXXX XXXX, XXXX XXXX, or XXXX XXXX, serving on a XXXX XXXX under a call or order that does not specify a period of 30 days or fewer ( or a dependent of such a l. member ). They continue to reiterate that they have performed a thorough investigation without proof or not one piece of supporting documentation, I am requesting proof that at the inception of this loan as they stated " An automated or manual check of the MLA or SCRA website is required by the Company before any credit application can be completed and before any request to refinance an existing loan/pawn may be processed. Onboarding identifies covered borrowers through an automatic ping to the Department of Defense 's MLA database. '' I am requesting the proof that they ran my information through a automated/manual check of the MLA SCRA website before they approved my credit application.
07/01/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	SC 29150	Web	Servicemember
I was never late for a payment my payment was due on the XXXX of every month so I was a day late this month XXXX 2023 payment was made XX/XX/2023 so I called days ago letting them know I was gon na be a day late so XXXX at the XXXX sc branch on XXXX XXXX told me Thursday it would be fine I also told her I wanted to renew my loan an so she said you'll need to pay XXXX Saturday that's with the interest so Saturday i noticed it said I need to pay XXXX so I went to the store spoke with XXXX I told him I'm having issues with the app it's saying my location wasn't on I couldn't get it on he couldn't either so he looked he said yes its saying XXXX a month so he called someone and next thing I know all of a sudden I'm a high risk customer he said I was late on payments I said not true I pay before the XXXX every month I was late this month one day late so he advised me to sign papers once we get through the app I did this my payment jumped to XXXX for no reason they did this to get more money from me I've paid these people off 3 times prior no problem the app said my payment is XXXX monthly after XXXX made the call I'm all of a sudden high risk with no late payments but one even though the app wasn't working correctly they charged me XXXX for them to do a in-store renewal I will never do business with title max they are rip offs and not to be trusted
01/28/2021	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	CA XXXXX	Web	Older American
XX/XX/XXXX I went to titlemax XXXX ca. I needed a loan for XXXX to cover rent and XXXX. I was informed by XXXX an employee that loans under {$2600.00} were not allowed in California. This I learned later was a lie. My payments were to be $ XXXXmo. I asked about early payoff. He said the first payment was the " big one '' I received No paperwork about loan terms they said for all that info create online account log in etc. so for the next several mos. I made my payments. XXXX they closed their doors in XXXX thats when I checked my balence 1st time. It showed I had paid {$2300.00} on a loan of XXXX over 4 months and I owed {$2000.00} ... .. I have tried to call Titlemax of Californias ' main office in XXXX county it hangs up as soon as it rings thru. When I investigated it said Titlemax was ordered by state to cease and desist XX/XX/XXXX. And they actually stopped in XX/XX/XXXX ( 2 weeks after they got me. ) The other offices know nothing of my case and the website only left me choices of payment. This car is a XXXX XXXX XXXX w/ XXXX mls and drinks oil, needs bushings and 2 cal catyltic converters. At best its worth XXXX. Im not paying them another XXXX of interest. And Im not giving them the car after all this and have them sell it for XXXX to one of their car lots. and sue me for unpaid balance. They should not have been still doing that.
07/12/2017	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	AZ 85040	Web
I am a XXXX XXXX XXXX XXXX in Arizona. I began doing business with TitleMax Title Loans as they opened and maintained their own auto auction. Throughout the course of their operation, I have come across numerous instances of deceptive business practices and flagrant titling violations. I have proof of the numerous vehicles I purchased through Titlemax Wholesale that were deemed restored/salvage and " Not Actual Miles '' ; those discrepancies were not properly disclosed. I have one instance in particular where I purchased a XXXX XXXX XXXX from TitleMax XXXX of XXXX, AZ. The vehicle was listed for sale on their auction website and it was listed as a good, running vehicle. With the limited information I had from Titlemax, I submitted a commercially-reasonable offer of {$1800.00}. On the evening of XX/XX/XXXX, I received the notification that I had won the bid on the vehicle. That Tuesday, XX/XX/XXXX, I attempted to redeem the vehicle after having paid for it that same morning. As I attempted to start the vehicle, it would n't turn on. The reason being is that the motor vehicle had dirt in the engine and therefore, the engine seized entirely. This is just one of many instanced I can recall from the faulty Titlemax Wholesale operation. I have other dealers in my network that can also attest to such major discrepancies and deceptive practices.
09/27/2023	No	Payday loan, title loan, personal loan, or advance loan Other advances of future income	Confusing or missing disclosures	AZ 85282	Web	Servicemember
On XX/XX/2021, Title Max deceived a client by calling an online loan a 'Personal Loan ', but in the loan documents, addressing it as a SECONDARY MOTOR VEHICLE FINANCE REGISTRATION LOAN CONTRACT. The online loan description does not align with what the contract itself states, as online it clearly says, " Get a Personal Loan Without Collateral '' yet in another section online it mentioned, " In AZ, a valid AZ vehicle registration in your name. '' The registration is weirdly called 'collateral ' in the loan documents, not making sense or adding up to what is stated on Title Max 's website. The overall wording is believed to be purposefully confusing to consumers. Not only did Title Max not be truthful regarding collateral or the type of loan it was giving out, the {$200.00} loan documents also have a section regarding repossession, page 5 of 11. Title Max states " Lender 's Rights '' in section 12 on page 5, but they are not legally allowed to repossess a vehicle that already has a lien on it and is currently being financed by another financial company. A Registration Loan is not a Title Loan, as they do not own or have the vehicle title whatsoever, just a verified vehicle registration. Title Max does not in fact, have that repossession right in this case. Again, Title Max being untruthful and deploying deceptive tactics to its customers.
08/24/2023	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 77523	Web
I made a title loan with TitleMax, XXXX XXXX XXXX XXXX, XXXX, TX XXXX phone number XXXX on XX/XX/XXXX. Amount of loan was for a total of XXXX plus interest of XXXX for a total of XXXX, number of payments due was XXXX, with interest of XXXX XXXX Annual Percentage Rate. I made several payments to them before I got laid off from my job. However, all the payments I made were applied to interest only, nothing went to priincipal. I inquired why it was all paiid to interest and nothing to the principal and they told me that is their practice to appy payments to interest only and if I wanted to pay off the loan, I had to pay it off with the total amount of loan XXXX all at once. Well I could not do that and ended up not making payments after I lost my job. I have not been able to find work for months and borrowed from them to pay my bills - rent, electric, water, auto insurance, cell phone - and that is why loan got so high. TitleMax is trying to repossess my truck, a XXXX XXXX XXXX but I can't let them do that as I need it to look for work and it is not right to apply all payments to interest only and principal never goes down. II understand there is a case against TitleMax for unlawfull practices. Does my situation qualify under this case? And what are my options to deal with them. I can send you a copy of the contract if you need it.
08/26/2022	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	MO 64804	Web
I XXXX XXXX herby file this complaint for the following reasons : 1. I signed a voluntary surrender on this vehicle XX/XX/XXXX after store manager XXXX sent it to me and I advised her where vehicle was at the mechanic shop. 2. I feel treated unfairly as I will now be charged extra fees as a repo although I was in agreement for a voluntary surrender. Which was shady same day she mailed letter she then had it repoed. 3. My belongings and my husband and children belongings are in their possession and over XXXX miles away I have no vehicle and I'm in an economic hardship and can not drive to get said items they could have called and met me in my hometown before repo to take. 4. The auction company advised me XX/XX/XXXX if Title Max would give them permission they would be happy to mail our possessions back to my home address. 5. Title Max out of retaliation refuses to give them permission to mail items back and therefore is impeding on my right to my possessions that I have no vehicle to drive over XXXX mi to retrieve. 6. I was treated unfairly on several occasions I asked for corporate and or the district manager to call me she never called once! Title Max is a company of highway robbery and retaliation and put me in economic harm. I request Title Max show and display empathy by mailing my property back immediately.
03/29/2017	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	MD 20886	Web
Date of {$1700.00} Loan XX/XX/2017 Today, I called XXXX at the XXXX , Va. location to confirm my payoff amount of {$790.00}. However, XXXX stated a payoff amount of {$1100.00} ( as of today ) ... ..plus an additional $ XXXX in interest. These amounts I dispute. My payments are as follows : XXXX Money orders dated XX/XX/2017 XXXX for {$500.00} & XXXX for {$150.00} totaling {$650.00}. XXXX Money orders dated XX/XX/2017 XXXX for {$150.00} & XXXX for {$100.00}. XXXX Money order dated XX/XX/2017 for {$35.00}. Total payments as of today, {$940.00} on a {$1700.00} loan..but still owe over {$1100.00}. The agreement indicates ... .. " Prepayments. You may prepay in whole or part at any time the amount due under this loan agreement and will not incur any additional charges, fee or penalty. However, we will refund the finance charges we have earned if at any time prior to close of business on thr business day immediately following the date of this loan agreement, you prepay to us in cash the amount financed ( principal ) in full satisfaction of your obligations under this loan agreement. '' It is not my fault their payment machine was down so I had to mail payment in therefore processing was delayed resulting in additional charges, penalities and fees. So far, based on their calculations, I have paid {$330.00} in interest.
06/24/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30035	Web
In accordance with 12 CFR 1026.15 ( a ) & ( b ) I, XXXX XXXX XXXX, the consumer, have the Right of Recission and I have the right to be notified of my Right to Rescind said contract with TITLEMAX/TMX FINANCE. Neither of which were notified to or acknowledged by me, the consumer, via writing through mail or signed wavering Rights within the XXXX XXXX of the initial paper contract of XX/XX/2021 all the way through the virtual renewals when payment was rendered amid XXXX XXXX of contract longevity. This letter serves as notice to all parties involved in my Right to Rescind the current contract that I, the consumer, have with TITLEMAX/TMX FINANCE made current as to the day of this letter. I, the consumer, motion to Recission in the sense of Terminating/Rescind the contract due to non-notification of Rite of Recission and vitiating factors of misrepresentation and undue influence tactics of CHARGES and FEES for the duration of said contract. I, the consumer, was not properly informed that the monthly payment amount of $ XXXX would not go towards the amount borrowed ( Roughly {$1900.00} ) and was essentially considered a GIFT for renewing the contract and I, the consumer, was not informed of the daily interest that accrues past the payment date. All to which Violates my RIGHTS as a consumer and The Truth in Lending Act.
10/13/2015	Yes	Consumer Loan Title loan	Can't contact lender	VA 220XX	Web
Went TitleMax in XXXX, VA to inquire about a loan, to simpky get an assessment of how much they might lianThe man I talked to was XXXX XXXX, and told him that I simply wanted an assessment. They said theyTook pictures of the vehicle, extensively, including the VIN number, inside of door, and the tags. I did n't know why that was necessary to just get an assessment. I told him I was n't getting a loan, I just wanted to know how much they would loan me and how much such a loan costs. Car is worth about {$3500.00}, but they said they would loan him up to {$2000.00}. I only wanted to borrow {$1500.00}, but they needed all my information before they could give me a ball-park of what the loan would cost. They made me fill out a piece of paper that I understand I would only borrow what I needed. They took all my information, just for an assessment. After all that, the loan was extremely expense, and they terms seemed ridiculous, so I said I did n't want it. I asked for my paperwork and the pages with my signature, and the guy said he shredded them, but for some reason I did n't believe him. I want to be sure they actually deleted my information, but there was n't anything I could find about how to ensure that. I do n't like that they take your information before giving an assessment or information on what they cost.
02/24/2020	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AZ 85142	Web
On it around XX/XX/XXXX I was contacted by title max XXXX XXXX ( XXXX ) XXXX XXXX and XXXX XXXX AZ he asked if I was interested in a better title loan with more affordable payments interest and a little more money. I had several times refused but went and seen him at his place of work title max he talked fast I told him I was on limited very limited income. XXXX due to my need he quoted me a amount that my vehicle wasnt even in the blue book for and I took a loan for more than I could possibly afford. I told him days later if my loan wasnt to start until XX/XX/XXXX then why was I being charge interest on this loan he was then calling me a complainer and became very rude I contacted XXXX XXXX XXXX to do a buy out to try and find a way to pay this mo eat back this due to this put me into a hardship that was abusive loan and shouldnt have ever happened by this or any company I did the buy out from another company but truly believe title max and Mr. XXXX should be liable for this loan do to abusing what I couldnt even afford and he new he was conning me I need help first of getting my interest back I paid for having the loan a week and also for having to pay off the current buy out and pay this loan for abusing power and I believe this has to be illegal to do I make such a small amount he set me up to fail
05/24/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	GA 30083	Web	Servicemember
My received a loan set off and determined by the fair market value of a 2001 XXXX canry yellow XXXX in mint condition. They refused rto make payment arrangements with me and my car was repossed within only a 30 day period of not being able to pay due to an truck accident in which I lost my job. XXXX XXXX XXXX XXXX XXXX XXXX XXXX refused to make a payment arrangement over the phone and said I need to make an arrangement in person after losing my only means of transportation. They accelerated the loan and breached the peace by selling my car without proper notice and venue and I was given a potential fraudulent.bill of sale sold at an auction in which it was sold for XXXX .I 'm requesting proof of sale and Bill of sale and XXXX XXXX XXXX XXXX XXXX insurance company 's information to submit. A legitimate and valid claim. I have XXXX. Video of XXXX XXXX branches Gm giving me really potentially fraudulent, exaggerated bill of sale without proper notice to be first in line to cure account and be able but back my property and my means of transportation. The district manager refused to provide me the insurance companies contact number on recording. There is no statues of limitations on fraud. This is a strong unrefuted unrebutted claim in that regard claim amount is fairly calculated in the amount of XXXX.
02/22/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TN 38301	Web
I received a letter in the mail on the XX/XX/XXXX from XXXX offering a settlement on title loan whichhad me puzzled. I had gone to XXXX shortly after getting loan on car and had informed company I was in XXXX and would be there for a long length of time and to please pick up car due to my inability to pay. I called and was informed that XXXX never pick up vehicle after my request but instead after car sat on property for almost a year and apartment building was being remodeled landlords had car towed. Company informed me paperwork and documentation was sent to myself and XXXX but was never pick up by me due to being in XXXX.XXXX did npt pick up car.fast forward XX/XX/XXXX I call said company 3 times the first time to try to get a clear understanding of what was going on. The second was discuss possible payment but I needed more information which was meet with hostility. The third time I just attempted to pay then I was informed that the offer supposedly expired XX/XX/XXXX.I informed agent that letter was printed on XX/XX/XXXX and that it was mailed from Texas and XXXXhat I had received it on XX/XX/XXXX and that the next business day was Tuesday since XXXX XXXX was Monday and the letter did not list a expiration date. Again agent got hostile which made me angry and need to end the call
04/30/2021	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	SC 29640	Web
Plainly I was Bold Faced Lied to about the terms and conditions of my loan agreement. The Interest rate first and most important! The amount that would be due each month and received only one phone call stating any concern about falling behind on my payment after calling to explain I'd be starting a new job as I was laid of during the pandemic and lost everything while struggling to eat. Without notice they repossessed my car, leaving me unable to get to the new job, walking 15 miles per day.If the country is pleading with Americans to get back to work then please explain how this helps the economy? Rules and regulations should be enforced when dealing with these companies which are designed to take an honest man 's assets from him and his family. Cutting of their primary means of transportation doesn't help anyone get to work, nor does that help our economy. I've put this situation in XXXX Almighty 's Hands and will leave it there. If their is anyone out there who could help me bring awareness to the hardworking family who may be thinking about getting a title loan, please I beg of you, help! Any way will help. This company Title Max should be shut down and the loans given like the loan given to me should be illegal ... Thanks from a seriously hurt hardworking man. XXXX XXXX XXXX
11/14/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Struggling to pay your loan	SC 29673	Web
I got into a situation where I had no choice but to get a title loan on my car. I had just started my job, and we only get paid every XXXX weeks, and I had to eat.. so I got the title loan thinking I would pay it off early. The rep said I had a good credit score with them because I paid back the previous title loan. I assumed that since I did that, I should get a lower interest rate.. by was I wrong!! My interest rate is so high, that the rep told me it was all complete, that if I paid it back as scheduled, they would make {$11000.00} off of my {$2000.00} loan. My payment is close to {$400.00} per month, and the bill increases even after I pay them! How is that legal for them to make that much money off of people who obviously are struggling or they wouldnt be getting a title loan in the first place! Seems like you only have XXXX choices in this situation, you either forfeit your transportation, or you make the payments and pay them enough to almost buy yourself a new car.. I tried to contact them about getting a lower interest rate, but they never called me.. I think interest rates that high should be illegal!! Someone that is so short on cash that they have to put their car up, shouldnt be paying such high rates. They set you up for failure no matter what and thats not right..
05/28/2023	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	TX 79761	Web
Payment was made on the due date to refinance loan they accepted the money process not explained thoroughly interest rate hiked to 209 %. I am XXXX and struggle to continue paying this note while it isnt laying down any at all. Refinance was to ensure additional extension of originating contract and told would be due XX/XX/XXXX for the finance charge. Consumer then after accepting payment online didnt renew loan as agreed and demands payment in 30 days for XXXX not what was explained nor notified before merchant accepted my payment. Requesting my account be paid in full by consumer whom also data breached my information as well as did not follow through with contractual agreement per the lender and continues to charge full amount plus raised interest in unbearable 209 % not agreed upon. I wish to have the merchant agree to return my title and agree to sign off on my loan as paid as agreed as a base to settle data breach and not continue be able to charge an over excessive amount of interest that isnt obtainable by someone XXXX and not currently able to work. I also have XXXX XXXX children needing to get to and from hospitals as well as myself for procedures that may be life threatening if I cant get there by way they threaten to repossess vehicle when I made my payment on time!
01/22/2016	Yes	Payday loan	Charged fees or interest I didn't expect	GA 310XX	Web
I went to this loan company and i took out a {$600.00} dollar loan the man took my app and i gave him my info i am on social security i told him to please keep the payments low he said he will so when i went into pay my 1st payment it was {$110.00} dollars i asked the lady why was it that much she said that i was not suppost to be on a installment loan that it was moved to a payday loan i asked her when the man was that i needed to talk to him she told me that he was not working with them anymore so i asked her to keep the payments low she agreed but on my 2nd payment it was not bad at all it was {$70.00} so when it was time to pay my 3rd payment i was really upset they wanted me to pay {$90.00} and i did offer them the {$80.00} dollars but they refused to take my payment and not they say i owe each day a late fee of {$35.00} dollars. I am on a small income i told them and they sad that it was my problem, They call me many times a day and on the weekend non stop back to back calling they even call me from their own cell phones they said that i have no legal rights but what gives them the right to change my personal installment loan over to a payday loan this is so wrong. when i talk to them on the phone they are so hate full talking to me. What Rights do I have, Thank You.
03/02/2023	Yes	Payday loan, title loan, or personal loan Pawn loan	Charged fees or interest you didn't expect	GA 30078	Web
During the Summer of 2022 due to hardship, I reached out to TitleMax for a loan on my car. I did not know this would turn into a nightmare. I was informed that the value of my car was {$6700.00} ( I later found out that my car value is between $ XXXX {$4000.00} ( more on the {$2000.00} side ) with a {$1100.00} payment per month to TitleMax. I reached out to TitleMax to inform them that I could no longer afford the payment and as always each time I have a question or a concern, I was informed that " you signed it or you agreed to it. '' On XX/XX/2022, I informed TitleMax that I was going to surrender the car and went in that day. The document that I had planned to sign was already pre-signed and dated by TitleMax. I informed TitleMax that I needed to read the document before I sign it. I decided not to sign the document because TitleMax wanted me to agree to a payment amount without knowing what that amount was going to be. On XX/XX/2022, I received a call from TitleMax regarding payment. I asked if I could get a copy of the document I signed. I was informed that it was against their policy to give me a copy of the document. I then asked if I could get a copy of their policy stating that and I was told that it was against their policy to give me a copy of their policy.
03/29/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 30606	Web
I had moved from XXXX to XXXX during covid for work because i had lost my job in XXXX. I called the title max store in XXXX every chance I got to tell them everything that was happening. I got behind a few payments because of my job loss, moving and covid. It didn't help that my loan didnt go down any due to the high interest rates. I was very transparent with the title max store in XXXX XXXX while I was living and working in XXXX. Apparently I was too transparent because after a few hours of being off the phone from the XXXX XXXX title max store, my car was repossessed that night. My sons car seat was in that car, he couldn't travel anywhere being XXXX years old without his car seat. I gave almost all the money I had to try and pay my loan and after they took my car I had nothing left. This was during a time people were understanding about covid and job loss. They took my car 2hours away to XXXX XXXX to sell at a auto auction. I was able to get another loan from a family member to buy my car back. The manger acted like he was being helpful and acted like a friend. They even make sure everyone does a 5 star review on XXXX before leaving with your title loan athe the XXXX XXXX location. I updated my review to show how poorly he treated customers in a time of need.
04/25/2015	Yes	Consumer Loan Title loan	Payment to acct not credited	GA 303XX	Web
I got a loan from Instaloan ( Equity Auto Loan on report ) in XXXX, GA. The Manager there gave me information that shows paid in full. This account is only on my XXXX report. On my report, there is a closed account with a XXXX balance. XXXX they have put XXXX different accounts on my credit report with XXXX different balances showing that I have to pay those in full for {$520.00} and {$660.00}. I disputed it twice showing that there were XXXX duplicate accounts ( XXXX open/XXXX closed ). The account for {$520.00} now shows {$0.00} balance and closed. They said they contacted Instaloan and was told my {$660.00} account was still open which is not true because I paid it in full. So I have XXXX closed account showing {$0.00} with the same account number and an open account with another account number. I paid off the {$660.00} balance in full. Everytime that I would go into to make a minimum payment, they would re-open a new account. I called corporate about them updating my credit report and was told that the District Manager would contact me. I told them that I want my credit report updated correctly and for them not to tell XXXX incorrect information. I would also like all the duplicate accounts deleted because I only had XXXX account. My report looks a complete mess.
12/18/2021	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	CA 93065	Web
I have a auto title loan with TITLEMAX. My payments are {$370.00} per month. In the month of XXXX I made 3 monthly payments. The first payment was made XX/XX/2021 this was for the XXXX payment the second payment was made on XX/XX/2021 this was for the XXXX payment on XX/XX/2021 I made a third payment for the same amount for XXXX. TITLEMAX misapplied the payment made on XX/XX/XXXX and applied it directly to the principal balance. I have called three times about this issue and I asked them to either refund the money or to apply it to the XXXX payment and again they have not done it and now are trying to repossess my car. The first time I called I was promised a call back by the end of the business day and I didnt receive it I called two days later and I was told that there was no notation on my account that I had ever called and that they would need to have a supervisor call me back. When the supervisor called me back she informed me that the payment could not be reversed or reapplied to XXXX and that I would need to make another payment. I advised the supervisor that I do not have money to make another payment because of how I was affected by Covid and I wont be able to make two payments in XXXX either. I have documentation showing my payments on the TitleMax app.
05/22/2023	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	TX 751XX	Web
I'm XXXX XXXX get XXXX check every month on it for learning XXXX can't read spell I even have use XXXX on my phone to say what I need to I did a title loan through titlemax in XXXX Texas where the employee woman read things to me under my understandment I make monthly payments on my vehicle go tword my loan I had gotten at the time due to recently being diagnosed with XXXX XXXX I was told I make my payments tword my loan every month till was paid off only to find out my payment have not went tword my loan and they wanted me to pay double my amount almost XXXX dollars for being 7 days late on my payment sick with XXXX in my XXXX when I spoke to a woman from the local office I told them that XXXX dollar payment was ubsurbe considering I'm full XXXX don't get enough month they agreed by pHone allow me to make a payment on XXXX first and my car was not supposed be on repo list my car was repod last night XX/XX/2023 now saying I have pay payoff amount of XXXX when my payoff amount was XXXX now have no way getting to my XXXX or XXXX doctor Tittle max is saying they don't know where my car is or who even towed it so I can get my belongings out that contain to my oxygen I feel I am being completely tooken advantage of I have XXXX grandkids live with me as well I care for
12/03/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX XXXXX	Web	Older American, Servicemember
I applied for a Loan from TITLEMAX LLC THINKIN I WAS GETTING A XXXX MONTH LOAN! after paying for about XXXX months I ask the lady who assisted me from day XXXX how much do I owe on my loan?? this is when I founded out I had a 30 day loan I ask her to talk to some XXXX to change this loan she said it could not be done I explain to her if I had know it was only a XXXX day loan I would have never continue on this loan I explained to her I could not afford this loan. I am on social security and this the only income I have and I am XXXX XXXX XXXX I can not get work aloe explaining did not do any good I have paid {$2.00} for nothing only to keep TITLEMAX from taking my car the only way I have a copy of the contract I copy the contract off of my computer at home which had been hidden Thank god I still have a mind and knowledge to find things on my computer the loan agreement, promissory note and security agreement is what Titlemax do not want you to seethe first contract I did not sign it was a scribble the other months I sign not knowing what I was signing until I question her .the cost of the credit yearly is 159.50 % finance charge {$400.00} amount financed {$2800.00} total of payments {$3200.00} hope this will explained and help!!! each month it is a NEW LOAN!
07/20/2020	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	FL 349XX	Web
Call the company back in XXXX about this loan in which I have taken this loan out in XXXX. I only borrow XXXX in which I was paying like XXXX or more per month for at least 2 yrs. I feel that each and every time I make a payment it does not appear that this loan is ever going away. I just check on the dashboard and shows that I still owed XXXX which is ridiculous. I have try to call the toll free number and it appears that it's a bogus number not able to reach a lived person or speak to them about this outrageous loan that I have gotten myself into in the first place. I want the payment to cease immediately for I am out of work and can not afford this extra expense at this time. When calling the local office I will get the same answers that this is what you owed. I seen where they were sued and fined for 9 million dollars for this unscrupulous practice. It seen that they not learned anything from this action against consumers. I just want to my title back to my vehicle and not owe them anything else. 2 years should be enough for I have paid over the amount that I borrowed from this company. XXXX XXXX XXXX XXXX : XXXX {$72.00} Amount to renew today Payment due date XX/XX/XXXX Pay-off amount {$560.00} Originated on XX/XX/XXXX {$560.00} Access Documents
11/08/2021	No	Debt collection Auto debt	Communication tactics Frequent or repeated calls	NV XXXXX	Web
I took out a loan on a XXXXXXXX XXXX back in XXXX I contacted Titlemax and let them know I had lost my job and was unable to pay. I offered them the car in lieu of paying off the loan. Shortly thereafter a tow truck came by and took the car. I figured the issue was done and now almost 4 years later I am getting repeated calls from various numbers on my personal cell phone with an automated message to call Titlemax back or press 1. I have pressed 1 on one occasion and was transferred to a rep that started asking me all kinds of personal info, as if they had no idea who I was. They proceeded to tell me I owe an extreme amount of money and they told me that I still owe them regardless if the car was taken or not. I told them I would do my research and call them back, and proceeded to call local tow yards and police department. Various searches for the VIN and License plate show that the vehicle is nowhere to be found. So now I'm out my vehicle and Titlemax is demanding their money. It has been way too long and I'm pretty sure they screwed up somewhere and don't realize they have my vehicle. I would like them to double check their records and leave me alone, since they took my car and per their agreement them having the collateral ends the contract.
02/01/2020	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	FL 34654	Web
I got a title loan from InstaLoan on my XXXX XXXX. With the loan we purchase insurance that if the vehicle was in a car accident and it was considered a total loss the insurance would pay for the title loan. So on XX/XX/2020 my insurance company considered it a total loss and sent this information over to instant loan and pictures of the vehicle. At that point and still alone said they sent in the claim to their office TMX. It's now been almost two weeks and I have heard nothing and regards to me getting my title back so I can buy another vehicle. And they I have to return my title so I can sign the title to my insurance company so I can get paid. I have called the manager InstaLoan here in town I have tried calling corporate I have tried calling TMX corporate I have tried calling the insurance company that they deal with and I've heard nothing from anyone other than it's being processed. I was told the process takes two days to a week it's almost been two weeks. I don't know who else to call or what else to do but I need my title back. I do XXXX three times a week and see a doctor for my car accident three times a week and I'm having to pay someone to take me tomorrow my appointments because I'm unable to get a vehicle without this title
10/30/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	SC 29414	Web	Servicemember
When I called in last month XXXX let me know she was over the store now and she gave me incorrect rates. I let her know I have my contract on the TitleMax app and she was wrong. She continued arguing with me until I asked for the corporate number. I spoke with XXXX and she advised XXXX was wrong and said that she would be trained. She asked if I needed anything I said no I was trying to help myself and others to not be deceived. XXXX even called me back to let me know she spoke with XXXX. This month XXXX called me on Monday to let me know I was late I let her know I would pay on the app on Friday. Tuesday I get another call from XXXX asking me when I would make a payment I let her know I just talked to her Monday and she called my sister. On Wednesday she called again I let her know it was harassment at this time because you already know and you dont need to call me everyday and that was against the law to harass me. I called the district office again and left a message for XXXX At XXXX XXXX , XXXX was on vacation. The store that Im referring to is on XXXX XXXX XXXX XXXX. I am XXXX and this is really bothering me medically so I need help. I have attached the 3 days in a row TitleMax have called me and Ive spoken with them. Its harassment.
06/30/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA XXXXX	Web
I applied for a loan with Titlemax, and at the time I applied for the loan they had explained that the interest rate would be 18.5 % and if i paid off the loan with a year the interest rate would remain the same, but it was all explained in the paper work that they were suppose to email to me that had been done on the computer at the office. None of this was true, I have never received the paper work from them and the only way I found out that the interest rate was completely different was when I had been late and had to renew the contract after being harassed on a daily basis day and night with threats constantly. I saw that the interest rate was well over what the person had said, over 100 % more. I have called them several times to discuss the account and all I get is a run a round, about the contract, the interest rate, and the initial contract and paperwork. I feel this was a deliberate case of bate and switch, an it caused me to dig deeper into there practices and I found that they have been fined XXXX XXXX dollars, XXXX to military families and XXXX to consumers. They deliberately lie to consumers and take advantage of the consumers, they need to be shut down for good or make sure that the are using the fair lending guidelines.
07/08/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	AZ 857XX	Web
Title Max in XXXX has made numerous attempts to collect a debt owed to them by a woman with the same name on a vehicle I do not and have never owned. The only commonality we have is our names. She has a different birthdate, address and last XXXX numbers of her social. They have left notices on the rental house I own and a family members address which I do not live at. After speaking to them ~6 weeks ago I was assured that they would remove my addresses from their system and I would not be bothered again. Today a tow truck company they subcontract showed up to the house I rent and live in to collect the vehicle. " XXXX '' in XXXX claims they got this address from Title Max. I spoke with Title Max again and they claim they do not have my current address anywhere in their system and they do not know how XXXX got it. At this time I am being continually harassed by Title Max and their subcontractors over a debt I have never had with them. I believe they used my name and Google to try and find the woman who has outstanding debt with them. I am concerned that they will show up to my place of work or other family member addresses and continue to harass me. Title Max in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXXPhone ( XXXX XXXX XXXX
06/04/2019	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	SC 292XX	Web	Older American, Servicemember
Between XX/XX/XXXX and XX/XX/XXXX, I took out title loans with my vehicle as collateral with Title Max on XXXX XXXX XXXX in XXXX, SC. The loan number was XXXX and spoke to XXXX and XXXX as well as XXXX in that Title Max Office. I could not make the monthly payments so I voluntarily turned in the vehicle, a 2009 XXXX XXXX with just XXXX miles on the odometer. I was told they would sell the vehicle to satisfy the debt of about {$11000.00}. I do not know what has happened since the vehicle was voluntarily surrendered on XX/XX/XXXX. Was the vehicle sold? If so, for more than the loan balance and Title Max owes me the difference. I believe the XXXX had a value of at least {$14000.00} due to its low mileage and very good condition. Did Title max sell the vehicle for more than the debt and refused to refund me any difference? They are a sloppy company and need more monitoring about what happens at the end of the loan or selling of the vehicle. Please, do not use Title max if you can help yourself. I learned my lesson but at least have no headaches from them calling me daily about this loan or the vehicle but they need to follow through on what happened at the end? Customers should be given a final accounting of what happened?
04/06/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	FL 32725	Web
I had applied and taken out a title loan with title max, in which I go to make my payments faithfully every month never been late and had only one time where I paid it on the due date. I go to check when my next payment is due and noticed that my payoff amount isnt going down and was only showing at the time that only {$100.00} debt has been made into it when my payment is over that amount on a monthly basis so I was confused. So then i called the branch in which I had asked what was the reason for my loan amount getting higher when payments are being made and never been late nor missed? They told me that you have to pay more than your monthly amount or we get charged more fees. I then was mad and went and relooked over my agreement paperwork and seen they have my loan payoff at XXXX and change when my loan was only XXXX and the percentage rate was over 40 %. This has been absolutely awful because now I feel trapped and in fear of losing my vehicle because no matter how much I pay it off its never going down and I dont have enough to pay it off all at once otherwise I would of done that. This is just ridiculous and unfair and I think this is being done illegally and taking advantage of people to steal their cars from them.
04/22/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	MO 63020	Web
I got a title loan on my motorcycle for roughly XXXX dollars the bike was stolen 2 weeks later I reported it to them but they wouldnt stop intrest which was outrageous I told them the loan would be paid by insurance soon ling story short it took me a month to settle with XXXX an interest was going up daily so it end up costing me an extra XXXX dollars that it shouldnt have and I want my money back it was for a XXXX XXXX I could have gotten the bike back from insurance when they found the bike but didnt have the money because they got majority of my insurance check of XXXX dollars all for a XXXX dollar loan for 2 weeks. On top of that I get a letter stating they lost my ss number and all important info of mine due to a security breach so I think this company owes me money.. I was trying to buy a house and my info is out there somewhere being used by who knows. So what happens to them for giving my personal info out to a hacker that will try an ruin me even further the motorcycle i lost the chance to recover from being stolen was my dream bike and never will get a chance to own it it was a pristine condition bike worth XXXX dolllwrs to me atleast original paint low miles one of a kind survivor I hate this company for this
02/25/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TN 37013	Web
I took out a title loan from title max a few times over the last cpl.years and although very expensive, I always managed to repay it in full. This last time, I became unemployed and struggled with the monthly payments, staying about a month passed due and then in XXXX XXXX, I became two mths passed due primarily bc of the holidays and having to have stuff for my child 's XXXX. I always sent money to my loan even if it was only XXXX amounts. I had always finished paying off my loans in the past with my tax return. I was planning to do that this year too and they came and got it in XXXX. Left to take my daughter to school one morning and it was gone! I received a letter in the mail that it was sold at auction on XX/XX/XXXX for {$1700.00}. What's particularly odd is I initially took out the loan in XX/XX/XXXX for {$4000.00}. The amount still due on the account prior to them auctioning the car was XXXX STILL! Meaning none of the monies they received from me in XXXX went to the principal and it was approximately XXXX per month. Also, the inside of the car has my child 's car seat in it as well as other belongings of ours. Not once did anyone call me from titlemax. Not before or after the car was repossessed.
08/10/2020	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	FL 33020	Web
On XX/XX/XXXX I contactedTMX Finance of Florida, Inc. D/B/A Insta LoanXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in reference to my tittle loan, Loan No. XXXX to notify them that I was experiencing financial hardship due to Covid-19. I received no response. On XX/XX/XXXX, I called into make a payment, I spoke to XXXX in the XXXX XXXX XXXX XXXX, XXXX XXXX, Florida store, he asked if I would be making an installment payment or paying in full and convinced me if I was able to pay in full I should. I went ahead and made the full payment of {$3000.00} using my XXXX XXXX XXXX Debit Card ending in XXXX. I ask XXXX if my loan would be reported to the CRA 's as paid as agreed, then and only then did XXXX inform me that my loan account was charged of in XX/XX/XXXX and I was paying of a debt. I told XXXX that he should have led with that information, he then told me that the the CRS 's will remove the charge off. I told XXXX that wat he did was illegal and violated my rights, and I should have been notified that my loan was charged off and not active. XXXX gave e the impression at the beginning of our telephone call that my loan was active. I immediately contacted XXXX XXXX XXXXXXXX and disputed the transaction,
04/19/2023	Yes	Vehicle loan or lease Loan	Problem with fraud alerts or security freezes	TX 78702	Web
I XXXX XXXX have a current loan agreement with title max on my auto loan, I just received a notice via mail XX/XX/XXXX stating about the data breach title max had received, that triggered me to then pull up my credit report to see my identity had been " stolen '' as there was a loan from this past year that I know forsure I did not receive or apply for, as i had been working to build my credit score in the recent year my score was almost XXXX, and now with my identity getting used by someone other than me I have now an unpaid loan on credit report which has now dropped my credit score to the low XXXX, I am extremely disappointed with title max, maybe if I would have received the news about the data breach maybe I then could of caught the fraudulent use of my identity. Also another complaint I am having is XXXX was the amount they lend me in XX/XX/XXXX, today I am still at a balance of XXXX as my payments mthy have been XXXX to XXXX mthly, I feel as the interest and fees I received make it impossible to even retrieve my title back as I have been repo in the past that was XXXX to retrieve my vehicle back, XX/XX/XXXX as I just got another repo XX/XX/XXXX with a balance of XXXX to retrieve my vehicle.
05/13/2017	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	FL XXXXX	Web	Servicemember
I received my loan from Title Max XXXX XXXX XXXX office. I have moved to XXXX for work. I now have a XXXX drivers license and my trailer is registered in XXXX . I need to register my truck in XXXX To do that I have XXXX option s : Title Max se nd my XXXX title to the XXXX XXXX and then XXXX send s title Max the new XXXX title ( thi s is common ). Or Title Max sends XXXX XXXX a letter refusing to send the title . Title Max refuses to do either. I have talked with the office manager a nd she says she ca n't do either. On XXXX XXXX I reached out Title Max corp orate and they gave me number to dis trict manager . I have left numerous messages and not call or solution. I contacte d Title Max corporate again on XXXX XXXX letting them know I have gotten no where. I reached out to corporate again on XXXX XXXX . Now my temporary XXXX plates are expired, I c a n't drive my truck to work, I ca n't work, ca n't get paid, ca n't pay loan. All of this is because of Title Max. I am also a XXXX veteran and c a n't drive t o appointments. The original address on the loan was XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/26/2015	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	MD 206XX	Web	Servicemember
I took out a title loan for {$2600.00} from Titlemax on XXXX/XXXX/2015. The company advertised same day cash. When I finished the paperwork the company cut me a check which was a breach of the agreement. I took the check to the bank it was drawn off of, XXXX, and they informed me they could not honor the check until they spoke directly with the guarantor of the check. I called the location and the check was no honored until the following day. I am currently 19 days past the due date of my loan and Titlemax has sent a truck to repossess my vehicle. I called Titlemax after they opened to take care of the overage and was initially told I would have to make 2 months payments. After getting to the location I was then informed I would have to pay the full balance of the loan. I asked them for a copy of the loan and on the contract it showed that {$2700.00} was actually financed. They also told me I would have to pay and additional {$400.00} for the towing fees. This is an attempt to strong arm me out of my vehicle. Also they told me I could NOT sue them in court and when I looked over the contract again there is a stipulation in there that you wave all rights to sue them in court for disputes.
04/14/2023	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	TN 37917	Web
Someone committed fraud with my debit card and credit report. Then i receive a data breach letter from titlemax. Titlemax is guilty of gross negligence. They waited over 90 days to inform me of this data breach. my family attorney instructed me to file this complaint and await a response from title max before we proceed with a class action law suit. Titlemax has offered a 1 year credit monitoring service as if that fixes the problem or compensates me for my NOW decreased credit score and banking issues ive had now due to this. My personal confidential information is now out there forever! No credit monitoring service even begins to correct their gross negligence! I am giving titlemax this one and only opportunity to offer me a more compatible compensation or i will persue this in court. I have also filled complaints with the XXXX the TN governors office in addition to the TN attorney generals office. I just want my account closed my title returned to me and my personal information scrubbed from their system forever! Cut my loan by 50 % ill pay off whats left and that will be the end of it. Otherwise face court fees attorney fees and whatever damages a jury decides is owed. Your call!
05/12/2023	No	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	MO 641XX	Web	Older American
I took out a XXXX title loan in XX/XX/XXXX. I paid XXXX a month for 3 years. I became XXXX and didn't make any more payments. I never received a default letter from the company but they sent a letter last month insisting I still owe almost XXXX. On XXXX, XX/XX/XXXX, I went the store and they drug my car out of my parking spot. I called the police to file a stolen vehicle report, not knowing it was titlemax. My purse and all my ID was in the car, cash, a disabilty check, my medical info. all in the car. I have XXXX XXXX XXXX XXXX XXXX and will be missing my treatments and they have my phone. They never called me or came to my house to try to tell me they were going to repo my car. I'm beyond devasted and don't know what do.They left me stranded at the store and I can't walk very far. I did get a ride. I need help because I need to go to XXXX and can't afford to buy a car. They got so much money out of me and now my life is being played with. If anyone can help me, I would greatly apperciate it. I know I never should have dealt with them in the first place but I was desperate. I am on disabilty and my life depends on my car. They said they are going to auction it off XX/XX/XXXX XXXX
05/11/2023	No	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	GA 30058	Web
This was my first time getting a Title loan, I got this loan thinking it was like any other loan so I kept watching and didnt see any balance was apply to my loan after each payment. After about 8 months ago or so I call and ask them why my loan balance was not going down and first thing the lady ask me did the person Explain the loan to me that I would have to pay whole balance off to be paid in full I told her no she did not, do I would have never taken the loan. They are giving people loans and not telling people how the loan works and on my application they have me down as my credit score was XXXX score I never had a credit score of a XXXX that a false statement. Is their a law or something can be done about these Title loan to at least tell people how how loan work, right now I know that Ihave paid that loan off.I borrow I think I think {$2500.00}. This loan is by XXXX XXXX at XXXX XXXX XXXX, XXXX, Georgia XXXX. I probably have paid double of that amount, someone told me to write to CFPB, Please, so I can stop other people from getting loan like these.If you need and my Account I can send it in another way on this site. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Ga, XXXX, XXXX.Thank
12/21/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 31419	Web
Three years ago, I went into XXXX ( XXXX, GA ) for a title loan. I submitted my vehicle title in exchange for approximately {$7000.00}. XXXX failed to properly explain the process and they NEVER, EVER mentioned that the entire amount would need to be paid in 30 days. I never would have accepted the load had the process been clearly explained. Month after month, year after year, I 've paid on a loan that is like a bottomless pit. To date, I have paid over {$20000.00} on a {$7000.00} loan. ( I will upload the documents verifying this amount ). The balance I now owe is more than the {$7.00}, XXXX I originally received. I have applied numerous times for a settlement and each time I was told, " No. '' The management has changed at least 6 times since XXXX. At least XXXX managers have told me that they do n't understand " why my case is being treated differently and that other customers in the past have paid $ XXXX {$3000.00} and their titles have been returned ''. Why? How? How is it acceptable and legal? My husband recently lost his job due to medical issues and I am the sole provider for my family. I simply can not afford to this loan ( $ XXXX ) any longer. Please help my family CFPB.
09/03/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Vehicle was repossessed or sold the vehicle	GA 30071	Web
I was approved {$200.00} as a title loan from the address XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. I didn't pay back the loan, but I allowed this company to take my vehicle as collateral XXXX XXXX XXXX. I moved from the state and was followed and harassed by this company. This company repeatedly bad mouth me on social media. This company has stalked and harassed the references I provided. I have not dealt with this company in over a decade but currently today this company harasses me and my friends and family which are the references I provided. There was a recent incident XXXX this company tried to impound my XXXX XXXX and I didn't borrow or even apply for a loan. This company recorded the entire ordeal. If this continues, I will go to the authorities. I do not want any further dealings with this company unlawful practices and I'd like to take further legal action. I want my profile deleted and my information not sold. It took me so long to file a complaint because I couldn't pinpoint where the harassment was coming from until I read an article about the company unethical practices to others. I consulted with my family and friends and came the conclusion of Titlemax title loans.
07/08/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AL 36116	Web
When we got a title loan on our vehicles, we were under the impression that it was the same process as it was when we resided in Georgia. Titlemax employee told us that is was a slight difference but did not tell us the difference. She scanned through the screens with a brief description of each page as she went through. Nothing was not discussed about us being charged for a daily interest. Our SUV was in the shop since XXXX and we just got it out on XX/XX/23. Due to that vehicle being in the shop, my husband was not able to work due to not being able to put work equipment into a car. Since then, we have been struggling financially. Our powers was cut off, our phones were suspended to where we couldnt make calls, and we had less than XXXX tank of gas to get me to my appointments. I have attached documents showing the dates and amount paid for repairs to our SUV. Please help us! I am XXXX and fighting for my XXXX and my husband is trying to get more work now our SUV is out of the shop. We have filed a previous complaint in which titlemax ignored our request for help on this matter. Titlemax is a crooked company and out to rob people when they are most vulnerable. PLEASE HELP US!
09/04/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	FL 346XX	Web
Last month XX/XX/XXXX. I went to InstaLoan to make a payment, and while making my payment they told me that I would have to pay for my title at motor vehicle at the end of the loan. Which is over {$100.00}. I asked them why didn't you tell me this before I sign papers for a {$700.00} loan, also the interest rate is in between 79 % to 105 %. I've been paying this loan since XX/XX/2018. I paid somewhere of {$1400.00} and now I still owe 400 +. and I went to make a payment today they changed their whole program now, instead of signing three or four different papers every month, now there doing something different on the computer, and now they're asking me for all this information they asked me when I applied for this loan. like how much money do I get from Social Security XXXX. I told them I am not going to tell you, I told you this in XX/XX/XXXX of last year when applying for this loan. and they got all upset and so did I and they threatened to call the police on me they wouldn't accept my payment. It seems to me I'm not allowed to ask any questions and that's all I did was wanted some answers! can you do anything about this I feel that they're taking advantage of poor people.
11/29/2017	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TX 754XX	Web
Loan was made on XXXX XXXX, 2017, but lender did not disclose that loan was a 30-day loan. Now when payments are made, they claim that payment is application for new loan. All payments were applied to interest only, which high interest was not disclosed to borrowers at the time of loan. Documentation was made on lender tablet and no time was given for borrower to read documents. Tablet was handed over with indication of where to sign. Same action was taken upon payment, tablet handed to borrower and signature required, indicating it was showing borrower payment. Later disclosed by lender that subsequent signatures were new loans. Only family vehicle was taken by lenders agents during the night with no attention to physical infirmary of borrowers, which had been disclosed to lender. Borrowers are 50+ aged XXXX persons who tried on numerous occasions to refinance loan at lower interest in order to pay on loan principal, but were denied assistance. All requests have been met with demand to visit store front, even though lender was notified borrower was hospitalized and has been for sometime. Co-borrower is needed at hospital and could not leave during lender business hours.
10/17/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TN 37311	Web
I received a payday loan from Title Max for the amount of XXXX. I got the loan near closing operation time at that point I was insured that I would only be paying back {$380.00}. The loan occurred in XXXX of XXXX My first payment was scheduled for XXXX which I verified XXXX separate times. I spoke to a XXXX XXXX XXXX XXXX. I was repeatedly assured that {$380.00} was the entire payoff amount. Which is the only reason I agreed to the loan. My bank account was unknowingly attached to the loan without permission. I was rushed out the door after processing the loan which the details were vague. I also was not provided with a contract. When I called to request payment information the representative was vauge and informed me that they didn't know what the payments amounts were. Titlemax then started to attach predatory taxes and fees to the loan. I was then becoming harassed by ridiculous amounts of unsolicited phone calls and harassing letters in the mail. I will be sending titlemax a cease and desist notice. I feel I have been predatorily targeted. To be specific a " XXXX XXXX XXXX '' is the individual who unecessarily makes harassing phone calls using a threatening tone.
02/03/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VA 242XX	Web
I have a title loan on my XXXX Chevrolet Equinox through Titlemax located at XXXX XXXX XXXX XXXX, VA XXXX, phone XXXX. The state of Virginia requires a 10 day written notice to be sent before repossession of the car. That was not done and the car was repossessed XX/XX/2016.The repossession agents told me they were going to charge me with a felony if I did n't give them the car. They did or acted like they were calling the police and told my wife I was going to jail. I called Titlemax and I told the person answering the phone I would come in and pay today. The repossession men called Titlemax and they said no but to tow the car in. When I was trying to call the District Manager they pulled up to attached the car to the wrecker. He said I would be responsible for repossession costs. According to 6.2217 of the Code of Virginia, I am not responsible for these costs without a 10-day notice. Also, I was willing and offered to pay today to avoid this repossession. I was denied my rights under Virginia state law.Also, I was threatened with the police and to be charged with a felony and I know that type of intimidation is not allowed according to the Fair Debt Collections Act.
12/20/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TX 78664	Web
On XX/XX/2018 I began a loan with XXXX ( XXXX XXXX XXXX ). I made my first $ XXXX+ payment on XX/XX/2018. The loan was supposed to be a 5-month title car loan. I HAVE MADE FULL PAYMENTS EACH MONTH since XX/XX/XXXX via the company 's mobile app. Occasionally I would receive calls from vendor, but rarely responded to their messages, as I was told at the beginning of loan by XXXX and XXXX that courtesy calls for payment reminders are generally made. On Saturday, XX/XX/2018 I spoke to a XXXX at the store and tried to explain to him I had never missed a payment and would come in and discuss the issue with him. I told him at the time I was ill ( had just been involved in a XXXX car accident in Washington DC on business ). On Wednesday, XX/XX/2018 at approximately XXXX XXXX, I discovered a tow truck in my garage loading my car up. My husband and I immediately ran out, to no avail, as the guys liading the car were not aware of the payment details. I am so distraught, as I know I am in the right and have made copies of all my bank statements for past few months with all payments indicated, as well as copy of XXXX 's mobile app payment history, noting each of my payments.
08/05/2021	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	WI 53215	Web
What happened? i im filing a complaint with the state of Wisconsin for the illegal repossession of my vehicle. On both occasions no notice of default was sent. The first time XXXX claimed he had sent it but to the wrong address. I personally gave him the correct address informing him my car was picked up at my house and gave him the address and confirmed it. I tried to make a payment online which i couldn't.On this occasion not only was my car taken without mailing a notice of default bit also while i verbally told the XXXX not to take it as my right by Wisconsin law. You have violated my rights with your illegal practices by not following the law of the state of Wisconsin. A complaint and copy of this email will be filed with the state. Also as I'm looking at my contact information i noticed that i was told my interest would be 156 % when i was approved yet noticed that it is actually 190 %. As these documents are not shown or explained at time of loan you are told to just sign which is misleading by tell you one rate and by not informing the actual interest rate being charged at the time of signing the contract which is also a fraudulent practice by TitleMax.
05/23/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30297	Web
On XXXX XXXX I had to go pawn my title. I really didn't want to do it because I was really proud of myself for paying off my XXXX but my husband got ill and I'm a housewife. So I did it. I told the sales person that I never done this before and I really don't understand how it works. So he explained it to me and told me that I got the BEST rate out of most of the people that comes in there. I told this person my situation and that bills piling up and getting disconnected. So made me believe that I was doing the right thing and I had the BEST rates and I believed him. The loan was for {$3000.00} I have to pay back {$4100.00}. I still signed it because of my situation. But now it's {$4600.00}. I've made on time payments of {$520.00}. So far I've paid {$2000.00} and my balance still the same. I called and asked about the balance, and told me to sell my car to someone to pay them. I told her that the guy should have told me that I'm just only going to be paying the interest. I would have NEVER done it. I can't afford to lose my car and I can't afford to keeeeeeeep paying and NEVER getting anywhere with the balance. HELP ME. I WAS VERY MISLEAD.
01/21/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TX 76020	Web	Servicemember
Took out a Title loan from TITLE MAX for approximately {$1900.00} around XXXX of XXXX and paid monthly amount of {$350.00} every month until XXXX of XXXX. If you do a math one can come to the conclusion that I've paid off that principal a couple times over. Reason stopped paying was due to me being admitted to the XXXX. Hospital as I am a 100 % XXXX Veteran. Fast forward to XX/XX/XXXX XXXXand while in the hospital once again my brother who I live with witnessed a wrecker hook on to it and drive away. Car btw is a XXXX XXXX XXXXXXXX XXXX valued at over {$18000.00}. I only have use of a computer with email and unable to use the phone sent TITLE MAX an email requesting that they send me something which shows amount I owe or a certified letter and gave them 7 days. Both E-mail 's are attached and as of the date of this email have not received ANYTHING IN WRITING from TITLE MAX either before repossession of afterwards which is now been coming up on 3 weeks. Meanwhile my car wherever it is will be collecting storage fees which I'm surely not paying for under these circumstances thus far with them ignoring my requests outlined in my attachments.
04/23/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IL 60139	Web
I took out a title loan with Title Max, but shortly thereafter lost my job on XX/XX/XXXX. I paid the loan up to XX/XX/XXXX, but my employer fought the unemployment claim. I told Title Max on several occasions that they could come and get the car because I am not working and the car is just sitting there and accruing interest. I spoke to the Office Manager XXXX and several others and they keep stating they will allow more time, or see what they can do. I told them I do n't want anymore time and asked that they come and get the car. They have refused 4 times. Meanwhile the car has gotten a ticket for still being in the lot and not having proper plates since it has not been driven since XX/XX/XXXX. I am unemployed and have no way of getting the car to them ( gas money/XXXX ) since my unemployment is the last drop of money I have. I believe Title Max is stalling in order to have the highest possible interest rate activated since they no I can not do anything about the situation. I have spoken with them XX/XX/XXXX, several times in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They continue to call and harass me about paying.
03/08/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	AZ 856XX	Web
My vehicle was repossed on the night of XX/XX/XXXX. I spoke with the tow truck driver and learned that there was title loan out on the truck. I proceeded to go in to the XXXX in XXXX XXXX, Az XXXX to get information on the title loan Tuesday, XX/XX/XXXX. The general manager then refused to provide me any paperwork on the title loan repeatedly told me that she had no clue who I was. I offered to provide drivers license, birth certificate, social security card, and any other identification she needed to verify that I was the owner of the truck. She refused to view any identification I offered to provide her. Since then I have tried numerous times to pay off the obligated amount owed on the loan to which they are refusing to accept payment for to get back my vehicle. I have spoke to 2 district directors for XXXX in the XXXX area to which both have refused to allow me to make the payment. As they only allow 10 days guaranteed to reclaim the vehicle I am about to be at that 10 day mark on Thursday, XX/XX/XXXX. I recorded the last conversation today with one of the district directors for proof of them denying my payment to recover the vehicle.
09/17/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 75074	Web
Several years ago, my wife - who is XXXX and XXXX and can not work - saw an ad on t.v. for Titlemax. Since she did not have credit she thought this would be a neat way to borrow a little money. She did not understand the interest rate was monthly rather than annually and ended up paying interest fees that exceeded the amount of the loan. She was not and is not now XXXX XXXX of making contractual decisions on her own. I agreed not to prosecute Titlemax at that time with the understanding that she would be placed on a " do not lend '' list to prevent recurrences of this issue. I've recently learned that she borrowed money against her car again - {$5000.00} without Titlemax doing any diligence to see if she could repay the loan. She has already paid thousands of dollars on this loan that she does not understand and that they promised they would not give her. Regardless of the fact that she is my wife, it is incumbent upon lenders like Titlemax to ensure borrowers have the ability to repay and she does not. They continue to behave in a highly reprehensible and reckless way with elderly and XXXX individuals with little or no income.
07/07/2020	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	IL 60453	Web
My loan agreement was dated XXXX I took out a title loan, and upon making my first few payments, i asked what my balance was. The amount i was given, was higher than the initial loan amount. I payed over the payment amount of {$170.00} each time. I paid {$200.00}, {$200.00}, and {$240.00}. When i applied for the loan, and signed everything on the computer, i had no idea of what i was getting myself into. I had no idea, until i complained, and they explained to me that my monthly payment had to be accompanied by a daily fee of {$5.00} and some change. My complaint is that title max charges predatory fees. I complained to the attorney general, and upon them looking into the complaint, called me and told me that even though it is predatory, I needed to complain to the legislators to get something done. They said that they counld not do anything about the issue. I did take out this loan, but i had no idea that i had to pay a monthly fee of {$170.00} plus over {$5.00} daily each month, and that anything paid over that amount would count toward my principal. I caught the XXXX XXXX, as well as lost my job, and the interest never stopped.
08/21/2023	No	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	FL 32514	Web
On Thursday XX/XX/2023 I stepped in to the Instaloan branch at XXXX XXXX XXXX, XXXX, FL XXXX. I was asking to switch my loan from one vehicle to another and was told that I would be able to do that. I filled out the paperwork and was advised that I needed to make an interest payment of {$65.00} in order to make the switch but I would get the funds back with the new loan on the new vehicle. After the payment was made and the paperwork was submitted I was then advised that they no longer are able to switch over loans. I requested that my {$65.00} be returned to me, at first I was told they could not return the money. After about an hour of waiting I was advised they would void the transaction and I would have a check cut in 3 business days. It has now been 7 business days and I have not received a follow up call nor has the transaction been voided. I feel this payment was taken under false pretenses and seems like a fraudulent way to do business. Who I believe to be the manager knew that they were no longer able to do these processes and her employee should have been trained on this. I feel taken advantage of.
10/23/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 76132	Web	Older American
I am a XXXX single women living on a fixed income. I took out a title loan with Title MAX for {$3200.00} in XXXX of 2014. I understood that I would have a payment of {$410.00} each month until I reached the total {$3600.00} which was the loan plus interest. After XXXX payments of {$410.00} each month or {$3300.00} I still owed {$3200.00} of principle and another {$410.00} of interest. When I realized that the payments were only fees I asked the women at Title Max " do you expect me to pay this every month and not pay off the loan ever? If I had been told that I would have never taken the loan. " In the first week of XXXX I had an accident that totaled my car. Now Title MAX wants to keep {$3600.00} from my insurance settlement. Which means that I will have paid {$3700.00} for the loan which I had for less than a year. Now that I know how the loan was structured I have come to realize that Title MAX gave me the loan so they could get my car from me. Now since they are taking {$3600.00} from my settlement I will have only {$400.00} left and will not be able to replace my car.
08/15/2023	No	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	FL 33407	Web
I got this loan last XXXX for XXXX I had the payments done on auto payment well I lost my job and it has been a struggle to keep up with I also lost my housing I have explained this to title-max they have not helped at all if I dont have a certain amount they wont take anything toward the payment. I didn't really qualify for the loan they told me just to bring my title and they would make it work from there. From the beginning they never asked for any documentation. They repossessed it one time I paid XXXX to get it back. They repossessed it again the last week of XXXX and told me that if i didn't have XXXX I couldn't get it back. They told me I had 10 days to pay or it was going to auction I asked If i could pay the past due they declined once I asked for documentation they would not provide anything to me. I have called the local branch to update my number and address change they would not update so I have no idea what is happening because there is no means of communication. They told me If i got legal involved they have the top lawyers and I can just wish my car goodbye.
08/29/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	SC 290XX	Web
I wanted to pay my loan and renew it and I asked three times will I be able to get the money I need and the so call manager that was there told me yes. So I paid and renew my loan and there was no money there which I needed as soon as possible and I call back and ask can they just not renew it and just put it as a payment they say yes. So next thing I see they refunded the money back and tell me I'm on the repo list and charged me more than what my payment was suppose to be. They got nasty over the phone and I'm not the one to go back and forth so I hang up. Also when you sign up for a loan instead of the customer seeing how the service work and giving they honest opinion they ask you to go rate them and give them 5 stars. This is my second time dealing with them because I really didn't have a problem in the beginning but now this time they just doing too much with these high payments and don't try to work with you and the interest rates are ridiculous. I can't include dates because I just went on my portal and I see no payment history like what is wrong with this company.
07/11/2019	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 76002	Web	Servicemember
RE : Title Max Acct # XXXX On or about XX/XX/2019 my pension check was with drawn from my XXXX XXXX XXXX bank account leaving unable to make my monthly payment to my creditors including Title Max. I filed a claim with CFPB under XXXX. Here I am merely reiterating my fax/emails by request assistance germane to identity theft and to ask for an extension, payment arrangements, deferment or any applicable hardship programs to ease payments for past due amounts and/or late fees on my account. My pay history will reflect consistent on time payments. I hope that carries some weight in your decision to assist me without interruption in services. Identity thieves spent about {$3000.00} dollars on vacations, charities and live performances in three different states resulting in my bank freezing all setup/recurring payments pending investigation.Please see the investigative authorities below and attached supporting document. *Federal Trade Commission Affidavit # XXXX XXXX PD , Economic Crimes Unit , case # XXXX **Consumer Financial Protection Bureau case XXXX XXXX
12/18/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	FL 32177	Web
XXXX Defrauded Mr XXXX for over XXXX dollars On XX/XX/2018 Mr XXXX was deemed as a Vulnerable Adult By the sate of Florida this means you willingly took advantage of him As defined in the psychology, sociology, social work and legal fields, a vulnerable adult or an adult at risk is a person over the age of 18 person who is at risk of harm or who lacks the absolute most basic ( as distinct from mid-level or typical level ) human life skills. A vulnerable adult is unable, rather than unwilling, to properly learn or properly maintain these skills, and is usually completely without, and unable to obtain, any family, friends, acquaintances or other assistive persons in their lives to offer education or assistance in these areas ( see : abandonment ). To be classed as vulnerable, the adult 's circumstances must be unable to be altered or improved by the adult 's own individual actions without direct assistance from a more typical adult. The vulnerable adult must also be shown to be, on some significant level, a risk to him or her self if assistance is not provided.
11/01/2021	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	GA 301XX	Web
My name is XXXX XXXX. When I was married and lived in XXXX my then wife took out a title loan without my permission or signature. We have since divorced and the vehicle was awarded to me in the divorce. The loan was not paid off and I still have the truck. I have been trying to get Titlemax to give me the title out right or let me offer them a reasonable amount to secure the title. The loan was for {$5000.00} yet they charged {$20000.00} in interest. We paid about {$3000.00} towards the loan before the divorce. I just found out that titleMax was in a class action lawsuit in XXXX that ruled in the favor of the consumers yet I can't seem to get any information from TitleMax to assist me in either the class action lawsuit or getting my title without paying them {$20000.00} for a XXXX XXXX XXXX. Depending on who I speak to when I call I am not given any information because I am not listed on the loan ; they say they can't talk to me. They can clearer see that I am a co-owner on the title but they still won't help me. Can you please help me get some answers.
05/02/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 76132	Web
I have not been able to use their system which we aggreed upon. The website or the app. Neither accepts my paymebts via debit card. This costs me greatly in gas to drive to the store. To get harassed about paying off a debt on time while getting asked if i want to borrow more money. But when i tried to make the payment today ( 2days early ) not unusual. But today i tried to make a call over the phone. After making the original payment due by XX/XX/XXXX of XXXX. XXXX. There was still and outstanding balance of {$20.00} and change due by XX/XX/XXXX. So i paid that. Then there was still {$8.00}. At this point i realized my monthly payments were being misrepresented and the fees theyre charging now arent represented at all. I dont have access to the documentation they say is provided in my account on there website. Nor is there any transaction history. And in the end she claimed she didnt know why it was doing that but she is not responsible for how the system charges. And how it doesnt recognize an early payment even tho it has for over a year now
07/14/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 75212	Web
Hello, I took out a title loan from Title Max in XXXX, TX. The loan was XX/XX/2022 for {$5600.00}. When the agent pushed through my application I noticed he doubled my income from the paystubs I provided. When I questioned this, he said " no worries that doesn't matter '' I have paid almost triple the amount of this loan, about XXXX dollars a month and not 1 penny has been lowered from the principle. I am fearful I will lose my car. I have tried to call multiple times and speak with management and the only thing they tell me is that if my payment isnt received after the 10 day grace period or period they do not charge a late fee they will move to repo my car. I am willing to make arrangement 's to pay this off and do not want anyhting for free. I was never told by this company or the loan officer that this was a 30 day loan and I would have to renew it every month. As I understood and was explained to me the monthly payment go towards your principal like a instalment loan. This is a nightmare and I need help, this loan is never ending.
05/23/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 77060	Web	Older American
On XX/XX/XXXX I applied for a loan from Titlemax for the amount of {$350.00}. I have made over 10 payments of {$170.00} in which I believe that I have already overpaid. However, it was at this point when I found out that I had to pay an extra {$500.00} dollars in order for my account to be closed. Nevertheless, On XX/XX/XXXX I reached out to the manager regarding these charges and I told her that due to my limited income I can't afford to pay this amount. The same situation occurred in XX/XX/XXXX again I told her that my monthly income and how the cost of living my rent and utilities consumes my whole check. The manager ( XXXX XXXX XXXX ) provided me this solution that If I would borrow {$200.00} from a family member or friend the remaining balance will be a write-off. I wasn't told on the day of signing this contract that there would be an additional fees to pay. I believe that I already overpaid on this account. Titlemax, I have found this incident to be unfair, deceptive way of doing business. Please help me to resolve this matter.
01/07/2020	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30060	Web
In XX/XX/2018, I decided to take my car to a TitleMax close to my house for some extra cash that I needed at the moment. They offer a {$1000.00} cash for the title and offered a monthly payment to settle the amount. After 14 payments of {$120.00} my account balance is {$1000.00}. I called the company to find out how was this even possible and they proceed to say that I need to pay more than the minimum or the full balance because so far I only payed interest, that appears to be 130 % of the total amount ; however, this wasn't mention to me at the time of the loan. I tried to contact the resolution center and the management of the company with no success so far, I go to the store and they dismiss me telling they will call me and I'm still waiting for a call, and if I call nobody is available to take my call. I feel this is a very unfair practice that take advantage of those in need, and I know a loan will have some interest but over a 100 %? Really? Paying {$1700.00} and my account reflecting more than what I borrowed, is plain abusive.
10/12/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	GA XXXXX	Web
Agent XXXX at titlemax did not read the disclosure about how the contract works. The Federal Truth In Lending Disclosure to be exact. Agent XXXX did not explain how the Finance charge process operates. The amount financed states the amount of credit provided to me because I am the one who extended the credit. Titlemax has violated the Truth In Lending Act Disclosure per United States code 15 1605 " Determination of finance charge '' additionally 18 U.S Code 1341 " Frauds and swindles ", 18 U.S.Code Chapter 47 " Fraud and False Statements, U.S.code 15 45 ( a ) " Unfair methods of competition unlawful '', 15 U.S.code 52 " Dissemination of false advertisements '', 12 U.S.code 1431 " powers and duties of banks ( But I am listed as the " Borrower '' which is false because the code states only the banks can borrow ) 1, 15 U.S.code 1611 " criminal liability for willful and knowing violation '', and title max is fined XXXX XXXX by Consumer Financial Protection Bureau XXXX for " PREDATORY LENDING PRACTICES '' in Georgia, in which I abode.d.
07/24/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 316XX	Web
I took out a title loan with Titlemax in XXXX, Ga. I was not properly explained how much this loan would cost me. This vehicle was also repossessed 2 days before payment was due as I had cleared it with XXXX, the supervisor at that time. I have been treated unfairly by TMX the finance company as they have harassed my references with alot of harassing phone calls and actually showing up in XXXX, Fl knocking on a friends door. During this time I have had contact with Titlemax. I do n't feel this is fair practice and something needs to be done. Each time I make a payment it seems like not much comes off, as I pay XXXX a month and have been all the time since XXXX.I did get my payment lowered once they repossessed my suv, but noticed extra charges on there as a repo charge and some other charges, The repossession was Titlemax 's fault so I should n't be charged extra fees for this. Please something needs to be done. They do n't explain anything as far as fees added on and interest rate. My son had to be hospitalized and have XXXX XXXX.
05/28/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	GA 312XX	Web
Titlemax agents did not present me with the entire contract on XX/XX/XXXX. The agent hid pages on a tablet on the wall while portions of the contract were concealed on a desktop computer that was only visible to the agent. There was no mutual understanding or a meeting of the minds due to the unlicensed agent employee of Titlemax hid while leading me to believe that he displayed all the pages of the contract on the tablet that was visible to me. Which he did not. In addition to other pages, I was never presented the signature page of the contract along with other pages. The original copy I was given after all business had been conducted and I was leaving the location I asked for a copy of the contract. The agent printed a copy and gave it to me. My original contract provided by XXXX XXXX, I learned later was not signed by me or anyone else on XX/XX/2022. But somehow title Max is presenting a signed agreement that I can only assume is a forged signature electronically copied from another page and posted on the signature line.
05/24/2023	No	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	TX 75067	Web	Servicemember
I believe that they have been foraging paperwork for over a year now, and I need someone to look at this for me. My bank statement reflects that I made a payment of {$1000.00} on XX/XX/XXXX however Title Max and XXXX is claiming that I have a late fee or a late payment that was due on XX/XX/XXXX. How can this be so when my bank shows that I paid {$1000.00}. Not only this with the documents were forged in a different amount than what I paid when I called to ask them about this to try to have it rectified, because I still want my loan to be paid off the person on the other end of the line shows to speak to me, like some sort of XXXX, and ended up putting my account in default when it should not be. I am seeking assistance on this as I feel that paperwork has been forged for almost a year now. My account XXXX show as Current as of XX/XX/XXXX. I will not be making any payments until this is fixed. I would like to look into all the money that they have been taking from me each time I signed their forged paperwork over the year.
03/12/2018	No	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	DC XXXXX	Web	Older American
Title Loan ... in the amount of {$2400.00} ... Payments {$400.00} per month / for 12 months. Plus daily Interest. Dated XX/XX/XXXX .... consumer has paid a total @ {$2400.00} from XX/XX/XXXX through XX/XX/XXXX. Consumer is asking XXXX to rollover or refinance the balance out for a shorter period or refinance for lesser Payment amount. ( If any ) ... the loan could be considered paid in full ... .with a settlement of a Interest fee or additional fee to close out loan agreement. Otherwise, consumer will payout another {$400.00} for additional 6 -- months..and payoff a total of {$4800.00}. For a {$2400.00} loan. XXXX doesn't offer a grace period on due dates. XXXX doesn't offer Consumers an adjustment or something once Consumer pays the full loan amount ; ... why are Consumers made to pay additional months of high payment and interest added. There's no relief once Consumer pays back the full amount. XXXX is luring Consumer to a 12 -- month agreement without options after Consumer has paid back actual loan amount.
07/12/2023	Yes	Payday loan, title loan, or personal loan Pawn loan	Charged fees or interest you didn't expect	GA 30263	Web
Title max I have a title pawn with Title Max, in XXXX XXXX XXXX XXXX XXXX currently that I took out in XXXX of 2021. I went in on Friday XX/XX/XXXX to ask for a print out of every payment I had made to them. They could not provide me with said printout. By my calculations as of this month I have paid in XXXX per month ( sometimes more if I was late on the payment ) for a total of XXXX I tried reaching out to local news outlet, even an attorney and was unsuccessful in getting someone to help. Some months it has been a matter of keeping my car or eating. This title pawn was taking out during Covid when I had lost my job. I told them on XXXX I simply wanted my title back because I have paid in more than 3 times my original loan amount which was XXXX. The mans name that is the XXXX XXXX there is XXXX. He was very nasty to me when I went in there on that Friday. I know it is probably a shot in the dark reaching out, But I thought I would give it a try since they have recently been sued for misleading clients. Thank you.
07/30/2020	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	CA 92649	Web
I've tried on several occasions to obtain an account ledger so I can see the interest/charges added onto my account. I called and spoke with XXXX in XX/XX/XXXX and was told they do not give account ledgers out. I went into the store and sat down with a woman who worked there and she gave me a print out but told me she would get in trouble if her supervisor found out. The interest amounts added to my account seem outrageous. I again requested a copy of my account ledger on XX/XX/XXXXand was informed by XXXX XXXX that they dont give account ledgers out. I asked why I was required to pay my car registration to title max instead of the XXXX when I first signed my documents and he didnt have an answer. They added it to the loan and charged me interest on it. I requested a copy of the loan documents and it was sent but it's for a different amount then the actual loan was for. I'm still looking for my original contract ... ( I recently moved and cant find it right now ). It shows I signed for a totally different amount.
08/10/2015	Yes	Payday loan	Charged fees or interest I didn't expect	GA 30265	Web
I applied for a loan XXXX 2014 for car repairs. I was granted a {$500.00} short term loan because my credit score was too low to receive a regular loan. When I explain that I wo n't be able to pay the loan in full the following pay period, they told me I can pay installments of {$82.00} to get the balance down. I have been paying on this loan every month only late XXXX time and my balance is {$570.00} from the beginning balance of {$670.00}. When I questioned the manager about the balance she stated that I would have to pay more than what is required in order to lower it. That was never explained when the loan was processed. This company is only applying my payments to the reoccurring finance charges instead of the loan it self. I will never finish paying for this account like that. I asked if I could be place on a better loan with my payments to be applied directly to the balance. They stated my credit score was still too low to have that type of loan. So far I have paid Instaloan over {$900.00} in payments.
12/01/2020	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	MO XXXXX	Web
I received a title loan on my conveyance through Title Max dba Title Max Inc located in XXXX XXXX Missouri in XXXX of XXXX. In XXXX I sent out documents advising that I was a secured creditor and executrix over the estate of XXXX XXXX XXXX and that I would be accepting for value the instrument that was autographed and to please honor that acceptance according to HJR 192 and the 1933 Bankruptcy. On XX/XX/XXXX I sent out an negotiable instrument once again asking that the debt be discharged and honored in Accord and Satisfaction. On XX/XX/XXXX Title Max sent my instrument back to me stating that they would not honor my instrument. According to U.C.C 3-603 and 3-311 a instrument that is returned to payor from the holder in due course in not only in dishonor but the " debt '' is to be discharged. I have contacted them on several occasions to settle this matter, but they continue to send threatening corresponding letters as if they will try to repossess my private property, as well as extort me for " payment ''.
06/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	GA 30096	Web
On Saturday XXXX/XXXX/2015 I immediately returned a call from a representative by the name of XXXX. The call back was received by office manager XXXX XXXX. I gave him as requested an updated status of my past due account. I advised him I spoke to his representative XXXX on Monday concerning this same issue. On Tuesday XXXX/XXXX/15 I received at voice message from XXXX to contact him ... XXXX minutes later an out of state family member receives a call from XXXX trying to reach me. Upon my contacting the office the representative, XXXX advises that outside references are contacted when they have had no contact with borrower. The office has been in contact with me weekly. I find this tactic harassing. There is no reason to contact anyone outside of myself concerning this debt. XXXX advised me they would not give details of the call, but anyone who receives a call from a stranger being advised to have the member contact them know its about a debt. The attempt to embarrass me in order to collect is harassment.
07/07/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 75501	Web	Servicemember
My first complaint was XXXX made by myself XXXX XXXX XXXX XXXX The company Title Max located in XXXX, Texas based out of XXXX Georgia. They have given me until XXXX XX/XX/XXXX to come up with XXXX for a settlement. Currently, I have paid this company XXXX on a loan that was taken out for XXXX in XX/XX/XXXX. My truck is only worth XXXX dollars and I feel very foolish for doing this kind of loan. The first response to my first compliant seems to be a stall tactic to get more money from me. I'm at wits end and don't know what to do if they try to repo or steal my truck from my property. Retired and XXXX XXXX XXXX Veteran, I thought we are covered under the Military Lending Act from deceptive, misleading, bait and switch tactics, high interest rates on all loans. This company has been fined numerous times and still doing this to American citizens. I served my country for 24 years for equal rights and justice for all not this kind of nonsense. I will never give up XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/12/2021	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 79936	Web
I took out a title loan on my XXXX XXXX XXXX on XX/XX/XXXX. The loan was for {$6800.00}. I have made the following payments to Title Max XX/XX/XXXX {$890.00}, XX/XX/XXXX {$880.00}, XX/XX/XXXX {$890.00}, XX/XX/XXXX {$890.00}, XX/XX/XXXX {$2100.00}, XX/XX/XXXX {$1700.00}, XX/XX/XXXX {$2500.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$200.00} and XX/XX/XXXX {$1000.00}. I was told that I still have a balance of {$4100.00} as of today XX/XX/XXXX. My truck has been repossessed twice and I have paid what they asked for. It is the only vehicle I have. From my understanding when they closed Title Max in CA they were going to stop the interest on all CA loans. I have paid {$12000.00} and I still have a balance? This just seems impossible. This has been a nightmare for me! Can you please help me solve this issue. I was told that I am only able to make {$1000.00} payments because of my bad payment history with them. Is this legal? Thank you!
08/28/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	GA 313XX	Web	Older American, Servicemember
I took out a loan at TitleMax in XXXX, Georgia with my XXXX XXXX XXXX XXXX as collateral, To pay for a funeral. I did not notice recently that nothing goes towards the principal ( XXXX ) dollars monthly payments go towards payments. I have seen a XXXX about the television news station XXXX on XXXX investigating the company. So I called and asked the young lady on XX/XX/XXXX at Titlemax, and asked her how much my payment goes towards my principal, and she hesitantly told me XXXX! You have to pay more besides your payment to go towards the principal. If I had known this upfront I would have gone another direction. I am a 100 % XXXX veteran, this has placed me in a field of nightmares. I later found out they are not supposed to loan active-duty soldiers at all! What about protections for us veterans? How could you take advantage of someone who has put their life on the line? For what so you can lie and cheat Vetrans! I feel sick to my stomach. I need help with this please help me!!!
04/26/2017	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	AZ 85032	Web
I went into Title Max ; dealt with General Manager , XXXX , who said he could not do a purchase of a car unless the title was switched immediately. I do n't know if that broke company policy. With the closing it was all done electronically. I did not get a chance to read the disclosure or get a copy of it before leaving ; so I had no rescission period at all. Two w eeks later when I printed and read the documents the interest rate was over the top. When payments were due XXXX kept calling me at my employment ; I told him I could lose my job if he continued. I was forced to change my number. I was also forced to payoff the loan with the enormous interest rate and the chance of losing my job. I had a friend borrow the money. I paid off the loan on XXXX XXXX XXXX . Its now XXXX XXXX XXXX and I still never received the free and clear title that was to be expedited on XXXX XXXX XXXX . Title Max bl amed it on XXXX and it was Title Max 's fau lt.
05/06/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	IL 61821	Web	Servicemember
I took out a title loan on XX/XX/2020for {$1600.00} at 200 % interest. I made my first payment and over paid by {$100.00}. Then shortly after my state ( IL ) was placed under shelter at home order due to COVID-19. Since that time I have been unable to work due to the governors orders. Since I am XXXX XXXX I can not start receiving unemployment benefits until XX/XX/XXXX. Therefore I have had no income and have been balancing feeding my family, paying my bills and preparing for an uncertain future. I spoke with XXXX XXXX and TitleMax and explained all of this to them. The understanding was that the late fees would be waived, the interest would continue to accrue and I was told to pay when I could. Yet I have received multiple phone calls every day since asking for money. I even received a notice of default signed by the very person I spoke to on the phone. During this moment of crisis this has become very stressful and worrisome as we do not want to lose our family vehicle.
09/27/2017	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 31419	Web
Almost 3 years ago, I was in desperate need of a loan. A friend told me about Title Max in XXXX, GA. I went in, explained that I needed {$4000.00}. They told me I qualified for {$7000.00} but they failed to tell me that I would probably NEVER be able to pay if off. No one explained that the full balance needed to be paid off within 30 days or that the interest rate was extremely high. I did n't discover that until almost a year into the My husband recently lost his job and I explained to Title Max that I could no longer afford to pay them as I am now the sole source of income for my family -- which includes XXXX kids in college. To date, I have paid TitleMax almost {$19.00}, XXXX on a {$7000.00} pawn. And the balance I owe now is MORE than I originally borrowed! I 've applied numerous times to have my case reviewed and my title returned and was told, " No ''. This seems blatantly immoral and illegal. I live in constant fear and stress that my vehicle will be repossessed.
12/04/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 77511	Web
add to complaint XXXX XXXX Titlemax XXXX XX/XX/XXXX On XX/XX/XXXX Titlemax sent a repossession agent to my home. The XX/XX/XXXX XXXX XXXX that was repossessed contained personal property that was NOT on the TitleMAx loan. Also the repossession agent is in direct violation of the below Texas XXXX. The tow truck operator must send the registered owner a notice by certified mail, return receipt, within XXXX days of the repossession. Texas Occupations XXXX XXXX. This notice has to explain the daily vehicle storage rate, the first day on which storage charges are calculated, the type and amount of any other charges to be paid when the vehicle is claimed ( such as personal property fees XXXX, and the facility 's operating hours. Texas Occupations XXXX XXXX. The list of inventory taken with the XX/XX/XXXX XXXX liberty XXXX. XXXX XXXX Boxes full of tools. XXXX. Battery charger, car start kit XXXX. Documents, Forms XXXX. XXXX jumper cables XXXX. XXXX pair of sun glasses
08/28/2020	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	FL 349XX	Web	Servicemember
I gotten this loan on XX/XX/XXXX in the amount of XXXX and I have been paying on this loan since then. I am still making payments and thought that I would be finished with this loan within a year. I have try contacting headquarters to see if this can be looked at and to no avoid the number that is for them is only a recording. For they have a local office in XXXX XXXX XXXX Fl. at XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX. I was not aware that this was a weekly loan and I informed the loan officer that I can only repay monthly in which I have done for 3 yrs. So there is no ever ending with this company and I also found that they have been sued. Consumer advocates rejoiced when Gov. XXXX XXXX in XXXX signed a law that imposed restrictions on car-title lenders. I want to get out of this predatory loan with these people for I have paid over the amount that my XXXX XXXX XXXX is worth. Need some help in getting out of this predatory XXXX of a loan from these people.
05/17/2023	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	SC 29611	Web
on XXXX I applied for a title loan with my title and I was denied, then I went into the ttle max and they said I would receive the title loan but I never received the loan, nor would they give me my title back, and title max claim that I received the loan but my bank account does not reflect it even though title max may be the reason for all the fraud on my account this is a serious situation, becasue they are trying to charge me for a loan that i have not received, the still have my title and my account never reflected any amount of money deposited into it, this needs to be corrected and my title needs to be returned to me becasue on the XXXX all i received was a denial pertaining to this issue, Title Max has been unable to provide any Arn numbers or any check info to transactions that were done on my account... ..I did have fraud on my account which Title Max is reason for that and they are trying to retrieve money from me that was never given to me ....
10/23/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	TX 78251	Web
On XX/XX/XXXX I went into a Title Max Store located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to get a loan in my car. The title is under my dad and my name but the representative there told me they have a place that can give me an updated title with my name only just have to be willing to pay a higher amount. So I did. I needed the loan for medical expenses and she saw my desperation. The loan was for XXXX and when my payments started to come due I paid them with no problem. It wasn't till payment 5 that I asked WHAT my balance was and I was told XXXX. I said how what why she said interest go up daily I asked her for a hard copy of my contract she placed me on hold and never talked to me I called and called they won't answer when I went to the office I was received with new staff I told them WHAT happen and they said they aren't responsible for any of that. PLEASE help I'm a single mom and I can't lose my car.
01/02/2022	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	FL 34668	Web	Older American
Name of the company : InstaLoan at XXXX XXXX XXXX, Fl For a full year starting XXXX through the present XXXX XXXX, I has been paying around {$300.00} plus every month and until today, the amount is higher that the inicial : I toked {$2500.00} and give the my car title ( XXXX XXXX XXXX XXXX ) I call them after the XXXX XXXX until now asking to pay less amount monthly. I was try to avoid their phone call and because I have only this car to go to my appointments, etc. I am a XXXX XXXX XXXX XXXX. Their answer always is negative and theyve didnt nothing for help me. I get the XXXX virus XXXX XXXX, plus I have a XXXX XXXX, and I explain each time for help to down my monthly payment they answer me : if you dont pay us, we will take the XXXX. That scared us ( my wife and me ) she is not working anymore after the XXXX XXXX XXXX XXXXXXXX until today XX/XX/XXXX. May you help me please? The car is in my name. Thanks for your help.
02/21/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TN 37217	Web
On the XXXX of every month I'm being charged XXXX to XXXX dollars in fees in which XXXX is for interest and XXXX is towards principal balance the other XXXX is going towards something called a customary fee... I've made these payments for almost a year now and only XXXX dollars has come off of my principal balance of XXXX dollars, if I continue to make these payments it will take 30 years to pay off this XXXX dollar loan because of this customary fee... I've done research on Title Max and found that your Bureau fined them 9 million dollars back in 2016 for it's unlawful acts in the states of Georgia, Alabama, and Tennessee, TN being the state I reside in... I've went in to speak to an agent at the XXXX XXXX XXXX location and the agent couldn't explain to me what this customary fee is and neither is it explained in their payment documents sent to me each month, this customary fee is a direct implication of predatory lending
10/11/2022	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TN 37040	Web
I try to pay off amount, they give me XXXX but now I pay too much, the lady she's lies to me, the app to title Max didn't show what day I need to pay every month, they're change every months the payment day, when I open the app didn't show anything the day, later when I open the app, my payment is past due, they still my money brazenly, They increase my final payment every month by more than XXXX dollars, when finally I already owe XXXX or XXXX, every month I owe more, please u need stop this, it is a shameless steal and nobody does anything, they never lower my account, They hide the day of the payment date, when I finally open the title max XXXX, it turns out that my payment is overdue and once again my account is high I pay again today and they don't show the payment for next month, they hide and just they show XXXX and nothing for XXXX, is too much money they steal Please stop this I think is for all customers like me
06/21/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AZ 86442	Web
Titlemax loan originated on XX/XX/2018 = XXXX payments started XXXX 2018-present = XXXX balance remaining = XXXX I make 400-500 $ payments every 30 days and not one cent has gone to principle I have discussed with the company on several occasions and was told that I signed the documents, that my vehicle will be repossessed if payments default, that this is high risk/interest loan company. I tried to get another company to refinance at a lower rate and was told that Titlemax over loaned me on my car, that my car wasnt even worth what they gave me and that they could not help me. Please help, I understand companies are in business to make money but this is excessive ... I have no means of retaining an attorney. I have looked high and low for community organizations and non profits for assistance in resolution. Im not looking for " free '' money. Im looking for " fair '' resolution. This is like 300 % percent loan ...
07/10/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 75098	Web
I was not aware of the very high interest of over 200 % or was not given a full details of the loan agreement beside the loan agent stating I could pay over time. Never once did the agent showed me the loan screen beside telling me to sign. Was in a financial hardship with lost job and needed the funds to pay rent and buy groceries to feed my family and thought that the installment payment agent state would go towards lowering the loan in time. Got a XXXX loan and have paid {$1000.00} a month since XX/XX/2023 and probably have paid over the amount of the original loan but amount still remain the same. : ( They threatened to take my only car that I really need to survive and care for my child because I can no longer afford the high interest payments that they have lied to me about. I need help getting out of these loan shark high interest TitleMax place that have lied to me about the installments payment overtime.
03/21/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	AZ 85340	Web
I received a title loan from title max. My loan went into default for non-payment. My vehicle was repossessed by title max. I had spoke to the corporate financial rep. He gave me a deal to payoff original loan and I would have my title and vehicle back cleared of the lien. While I was working on obtaining the money to fulfill the loan. I scheduled an appointment to obtain my personal property. During my appointment I was brought 2 boxes obtaining my personal belongings. My husband 's work tools including the tool boxes were stolen, my weeding rings were also stolen, my son 's XXXX XXXX was also stolen. The auction house where my vehicle is being held was suppose to inventory my personal belongings and I have yet to get that list. I keep getting the run around and my husband has not been able to work due to the theft of his tools. I know my property is supposed to be given to me intact and not damaged or.missing.
08/20/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	SC 29360	Web
i got a {$1000.00} loan on my truck told them for the start my payday is on the XX/XX/XXXX of the month because im on XXXX.i get way behind because i was being charged daily on interest .a 12 month old loan and at 10 months i was informed i had only paid {$40.00} toward the principal.well to get them off my back, calling me day in and out, the refinanced a second loan of which i was 6 days past due and only had half my payment which was $ XXXXI went to the office on the XX/XX/2019.they refused my payment, claimed they can not take anpost dated or personal check.the next day i get a letter in the mail if i dont have 2 full payments of {$160.00} which comes to a total of {$320.00} the are going to repo my truck and thats truck is all i have that is worth anything and it 24 yrs old.i cant lose my truck ts all i have to get me to and from my drs apts.i dont have family or friends that can help me.im all by myself.
07/16/2019	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	GA 30265	Web
On XX/XX/XXXX I applied for title loan due financial hardship the loan was for {$1000.00} 2008 XXXX XXXX, I was told by XXXX that my payments were {$120.00} a month for 12 months and if I wanted to resolve loan faster to pay more I paid my monthly payments as told some months even more & when my 12 months was over I requested my title back and was told that I still owed {$1000.00} and that the {$120.00} was finance charges and did not go towards loan..I was mislead by terms of loan by XXXX who is no longer an Employee there I then reached out to the Operations Manager XXXX XXXX XX/XX/XXXX who advised that if I made a couple of payments in the amount of {$160.00} he will release my title so I did in XX/XX/XXXX I requested title again they refused and advised that I still need to pay {$1000.00} I have given this company over {$2500.00} to date & they still refuse to release my title and requesting more payments.
06/12/2019	No	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	GA 30265	Web
On XX/XX/XXXX I applied for title loan due financial hardship the loan was for {$1000.00} XXXX XXXX XXXX, I was told by XXXX that my payments were {$120.00} a month for 12 months and if I wanted to resolve loan faster to pay more I paid my monthly payments as told some months even more & when my 12 months was over I requested my title back and was told that I still owed {$1000.00} and that the {$120.00} was finance charges and did not go towards loan..I was mislead by terms of loan by XXXX who is no longer an Employee there I then reached out to the Operations Manager XXXX XXXX XX/XX/XXXX who advised that if I made a couple of payments in the amount of {$160.00} he will release my title so I did in XX/XX/XXXX I requested title again they refused and advised that I still need to pay {$1000.00} I have given this company over {$2500.00} to date & they still refuse to release my title and requesting more payments.
08/18/2021	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 770XX	Web
I took a title loan on my XXXX XXXX. At the time was unemployed as well as currently and applied for a loan {$900.00}. I paid them {$900.00} but their compounded interest rates were too overwhelming. At the time I told them that the car was theirs to take and the amount owed the was {$420.00} of interest after repayment of principal in full, they kept calling that they were willing to goodwill offer for the payment. But my understanding was that if I somehow could not repay them they would just keep the car after all, they have the title. But to this day I keep getting phone calls day and night as early as XXXX XXXX. XXXX. They have the car our transaction is done. I would like to somehow alleviate these harassing phone calls and real good will intervene and I not be held responsible for their compounded charges ( after all in earnest I have paid them the face value of the loan and not affect my credit.
11/20/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Can't contact lender or servicer	KS 666XX	Web	Older American
I had previously requested to be put on the do not call list. I have to pay with my social security check and it comes after the XXXX of the month. They state that I can not change the due date. When I get my check electronically, I try to go online and pay this bill and most of the time the website gives me an error " Network Error ''. This means that I can not pay the bill at the time that I get my money. This results in 5-10 days of added high interest on the loan every month. I have been on hold a total of 30 minutes so far this morning trying to pay this. It has taken 3 phone calls and each time I am put on hold or told that I am calling the wrong department. I am calling the number they list on their website as the customer service line. This has been going on since they had a technology breech and switched the manner in which the bill is paid to a PC rather than the consumer 's cell phone.
06/08/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 751XX	Web
TitleMax is in violation of 16 CFR 433.2 for Failure to Full Disclosure of 10-point bold notice. Failure to provide right to recission forms 15 USC 1635 ( a ). And 15 USC 1632 clear and conspicuous rights to recission. I was not aware that I had a right to rescind the contract as I did not have access to the contract until after the time allowed had passed. TitleMax uses deceptive practices along with high interest rate of 160.03 % annual. Texas law 's maximum amount is 10 % annual. I was the only person to sign the contract and when I received it, it shows an additional signature. No employee signed the contract. I issued a negotiable instrument with instructions to clear the debt, I received no response, and my car was repossessed. In the interim of my vehicle being repossessed there was damaged to the front end of the vehicle. My vehicle will be sold after today 's date XX/XX/2023 by TitleMax.
11/06/2022	No	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	AZ 85710	Web	Older American
I went to ask a loan for {$500.00} at TitleMax XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Phone XXXX. I talked with XXXX It was on XX/XX/XXXX of XXXX She told me to pay every XXXX XXXX {$50.00}. I accepted but On XXXX I went to pay the {$50.00} but I extended my loan for another {$450.00}. Total was {$950.00} Well every XXXXXXXX XXXX I went there and I pay the {$79.00}. But on XX/XX/XXXX I paid {$500.00} XXXX so My loan was XXXX. But I still paying the {$79.00}? I went on XX/XX/XXXX and I paid the {$79.00}!! I told her but if my loan is less now I suppose have to pay less interest... So she told me NO because your first loan was {$95000.00}!! I think if my XXXX right XXXX is {$400.00} so I do not have to pay every XXXX XXXX the amount of {$79.00}. right???? My current balance right now is {$400.00} so my nest payment will be {$79.00} on XX/XX/XXXX!!! why? if my loan is not {$950.00}.
07/30/2019	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 76002	Web	Servicemember
RE : XXXX for Title Max - I received a collections call today, XX/XX/2019 from Title Max collections department claiming that they were authorized by TMX paralegal XXXX XXXX because she has not received any of the official legal documents from enforcement or other authorities validating my claim of ID Theft ( no money in the bank ) and my need for a hardship consideration and payment arrangements. Her dead line to receive these documents was stated in her XX/XX/2019 letter was due by XX/XX/2019. I faxed all document on XX/XX/2019 ( w/ fax receipt confirmation ). I did email these very same documents a week or so prior to the letter and fax request by XXXX but was informed that Title Max legally could not accept emailed documents only faxed or mailed hard copies. The fax contained 7 pages including police report and affidavit and the letter attached to this CFPB online follow up for Title Max.
04/17/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 77087	Web
XX/XX/XXXX I took out a {$2500.00} title loan, I was late making a payment back in XX/XX/XXXX they didn't give notice to repo my car they just took it, so I asked what I need to do they told me I needed to pay a fee so I paid fee went to store for them to tell me I had to make payment but couldn't get my car until Monday because it was Friday and I needed an appointment to get my car. I just made a payment last week for my XXXX payment but it's still showing I owe for XXXX they have erased all access to my documents but I was able to take a look at the interest rate because when I make my payments instead of my loan amount going down I owe more. I've been hearing bad things about title max I am a XXXX woman on a fixed income and most of my check has to go to title max or my car gets taken again. I feel I've been paid this loan off and it's unfair and something needs to be done about it.
05/22/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 31406	Web
I have been with Title Max for almost 5 years as of 2018 to pay off the XXXX I borrowed. Over the last 5 years I have made payments in excess of over XXXX because the note was XXXX a month or the full amount by the next installment date. But since I lost my business I have been late on my payments they did a repossession last XXXX on XXXX XXXX XXXX XXXX XXXX. Now I have been trying to make 2 payments a month just to get rid of the Company. But I do not know how to do this. This past Saturday I got a notice repossession because I only made a partial payment. I owe {$660.00} as of XXXX XXXX I will make this payment. But every payment I make does not make the initial loan go down in anyway. Also I am told to go to their website and signed the renewal every time. That just make me sign the whole loan agreement over every time at 136 % interest rate. Can someone give me some advice please.
04/11/2021	Yes	Payday loan, title loan, or personal loan Pawn loan	Property was sold	GA 30291	Web
Titlemax took money from me from XX/XX/2019 up until XXXX I told them that I losty job and my wife and other family members had caught covid. I even tried to give paperwork showing this and they said the didn't need it just pay what I could .in XXXX I tried to pay them XXXX dollars they refused repossessed my car. And gave me ten days to give them XXXX dollars. I didn't not receive stimulus or tax refund or pua or unemployment aid. During this whole pandemic my family suffered. This is what happened. They decieved me about what kind of danger my car was in. I even had a manger on a recorded line by company tell me she would accept XXXX to close out my account to which the pandemic started and I couldn't get in contact with the manager. Who names I had wrote down on my notary paperwork in my car too which they kept all my belongings including notary info on my clients private I'd. Info
08/26/2023	No	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TN 37086	Web	Servicemember
This now my second complaint with Title Max as it relates to there aggressive and threating tactics that the XXXX TN office uses when calling clients and there corporate office does absolutely nothing to resolve the problem. On XX/XX/2023. I received a call from XXXX at the XXXX office demanding in a very aggressive manner that I did not pay here today that there could be repercussion. I advised her that I would be able to make payment on Monday and she continued on with her threating tone and I advised her that I would contacting her corporate to let them know that its wrong to talk threaten people and she told me to call the office because they would tell me the same thing. I called back to get her name and told her that I was going to opening up at ticket with the CFPB and she told me she didn't care because she is certified through the CFPB and she told me to never call her again
05/20/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TN 38125	Web
This Complaint should be read along with my CFPB Complaint # XXXX of XX/XX/XXXX, against TitleMax of Tennessee. Though I stated in my CFPB complaint " Any and all Accounts '', I did n't specifically mention a second loan amount of {$500.00}, TM Account # XXXX. As my current, CPFB XXXX Complaint states I initially obtained a loan of {$1500.00} in XX/XX/XXXX. This second Account/amount for {$500.00}, initiated in XXXX, arose out of money that I had been eligible to accept in XXXX, but did n't take ( only XXXX application ). My Complaint with this loan revolves around the same issues as cited in the CFPB Complaint XXXX, above. In addition to it exceeding the State Maximum allowable Interest and Financing Rate, producing blatant XXXX practices, the Predatory Billing illegal practice of not applying the Payments received- to the Principal- Reduction, makes the loan virtually un-payable
09/14/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Struggling to pay your loan	GA 306XX	Web	Older American
Cfpb closed my new complaint dated XX/XX/XXXX this is not a duplicate complaint this is a new complaint for another account at Titlemax at another location I have had this account since XX/XX/XXXX and my payments are {$190.00} monthly and I am nowhere close to paying off this loan and I have paid in a total of {$14.00}, XXXX and XXXX threatened to repossess my vehicle in XX/XX/XXXX I can not afford to keep paying on this account the original loan is nowhere close to what I have already have paid into this loan to Titlemax and the pay off amount originally was {$1700.00} I have given them XXXX, XXXX dollars for over XXXX years this is not fair to keep taking my money from me they're clearly taking advantage of me please help me to end this cycle of unethical practices. Remember this is a new complaint for Titlemax at another store in XXXX under the same name XXXX XXXX Thank you.
02/06/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	FL 32034	Web
I took out a title loan with Titlemax. they told me there interest was 8 %. I all I wanted was {$2500.00}. By the time they got through with me I walkout with {$5100.00}. I gave them back {$2400.00}. My math and there math do n't add up. I will be paying back right at {$10.00} only pennies goes to the principal. I all attach a summery of my payment. This is raping me. I am a XXXX income family. I can not continue to just give money to this company. I have paid them a little over {$7000.00}. It does not have a end. They want me to drive 2 hour to make a payment at times and almost refuse to take a payment over the phone. In those situation they make me make a double payment. That does not seem right. Can you help me. I am XXXX years old and work for a living but I also have medical issue that need to be taken care of. It is almost impossible to do with this issue hang over me.
06/17/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	GA 30329	Web	Servicemember
I went to Titlemax on XXXX XXXX XXXX in XXXX, GA on XXXX XXXX to apply for a loan with the title to my car. I received a loan for {$2500.00}. In XXXX when I paid my XXXX payment I asked what was the minimum I could pay. I was informed it would be {$300.00}. I had just been hired at a new company and getting settled in to my pay dates. I called again to make a payment on XXXX XXXX and I again asked what would be my minimum payment and was informed it would be {$300.00}. I was also informed by XXXX, who wrote the loan for me on XXXX XXXX, that if I did not pay the entire monthly note of {$360.00} that the amount I was paying would be applied to interest, an additional interest that was not calculated in the original loan agreement. This is a penalty for not paying the full amount. This was not in the written agreement and it was never verbally stated to me ever until XXXX XXXX.
11/19/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Vehicle was repossessed or sold the vehicle	IL 622XX	Web
On XX/XX/XXXX, XXXX a repossession company came to my home and said they were sent by titlemax for my car. Although I was XXXX dollars behind on my payment. I didnt not receive any letters.phone calls, texts or emails prior to this. They said since this was my second repossession they said I had to pay the entire balance of {$5500.00}. I asked why didnt I get a Right to Cure letter either time. I was told I was sent those letters in XXXX and those would be the only letters I received for the life of my loan. I was told that I was not allowed to make payment arrangements and that I would have until XX/XX/XXXX to pay or my car would be sold in an auction. I have contacted the local office and the corporate office but neither would work out a plan with me. I dont feel like I was given a chance to bring my account current and not enough communication about the repossession.
06/29/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TN 37615	Web
Have spoken to people multiple times at this location over the phone have told them we are experiencing a hardship due to covid19 my husband has been waiting over 8wks for unemployment they say each time it is fine they will work with us only to be called again a few days later saying that we haven't spoke to anyone or they don't show any notes on my account last conversation I had was on XX/XX/XXXX spoke to XXXX told him we had some money coming in on the XXXX for our families first emergency assistance and could bring some money in then was told that would be fine but then as of tonight someone came to pick up our vechile although I have emails from the company stating that no involuntary repossession will take place due to the hardship of covid19 which was a lie and I believe they took my car based on market value and the money they would be able to profit in return.
03/09/2023	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	DE 19802	Web
On XX/XX/2023, I attempted to make a regular monthly payment of XXXX ( I make my payments on time every month ) When I logged in the amount changed from XXXX to XXXX so I called Title Max of Delaware located at XXXX XXXX XXXX, XXXX DE XXXX they advised I refinanced my loan most likely unknowingly thru the mobile app when I was making on payment on XX/XX/2023. They stated I received an additional loan payment in the amount of XXXX, I never received any additional funding and when I asked where and how this amount was given to me they are unable to confirm or trace the payment to me. This now caused my loan to go into default also causing my vehicle to currently be on the repossession list, I have filed a civil action against them currently and it is causing XXXX, stress and sleepless night worried about my vehicle getting taken. I have never missed a payment on my term.
10/02/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	LA 70122	Web
I was a few days late on a title loan from XXXX XXXX, as i was backing out a XXXX XXXX in XXXX XXXX when a repo truck blocked me in lift my car up then told me to get out or they would pull me out. I responded you can't block me in an restrict my movement that is holding me against my will and it's called false imprisonment. As i was still in the vehicle the driver began driving off with me in the car. They drove about 15 feet then stopped, i told them i alerted the police an that this was actually a kidnapping. One of the repo men said XXXX XXXX told us take your car an please call the cops back an tell them everything is fine. They first blocked me endangering my life and others then threatened to pull me out the car and after that drove off with me in the vehicle. California law states any unwanted movement of a person more than 3 feet i believe is kidnapping.
02/21/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	MO 631XX	Web
I have paid over {$3100.00} in fees and interest on a loan over the last 5 months. I took out a Title Loan on my vehicle through Title Max in XXXX XXXX for {$5000.00}. I was told be the representative this a 24 month loan. My payment is $ XXXX over 24 months. At the time I was in a XXXX expecting my pipeline to close. Unfortunately, my loans did not close as expected. I have made over 7 payments totaling {$3600.00}. My balance is STILL {$4500.00} from the original loan amount of {$5000.00}. I fell behind less than 30 days and Title Max sent me documentation to SURRENDER my vehicle. A XXXX BMW 525XI that I own. These company 's need to be fined to the extreme for what they are doing to the public. I thought worst case ... .I pay $ XXXX/mo over 24 months Title Max makes {$7400.00} on the car I own. PLEASE PLEASE!!!!!! FINE this company and shut them down!
05/13/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 31210	Web
I took out a loan with instaloan around the end of 2014. I made a few payments but could n't keep up. They loan company rolled over my loan to a new XXXX with old payment/interest attached to close previous loan and renew it. Now on my credit report it shows I have XXXX loans open with them when in fact i have only XXXX. I called Instalon and stated loans were being rejected to help pay off their loan because of being overextended for XXXX. I requested they report the XXXX loan as being closed ( is showing up as XXXX seperate loans ) and a new loan was created. They stated they could not do that and that XXXX loans would show until total loan of {$800.00} was paid. Credit report shows {$600.00} and {$800.00} loans from them which is not correct. They are reporting misleading information to credit bureaus.Also refused to participate in debt consolidation.
03/07/2020	No	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	CA 93308	Web
Loan Debt was fully paid but the company still stole/repossessed my car. When I contacted them they told me that they had already sold it and if I wanted to get a lawyer good luck with that, ( XX/XX/XXXX ). Then I continued to receive notices from the Department of Motor Vehicles as if the car was still in my name. Then most recently I received a notice from the California Highway Patrol that the car ( still in my name ) had been repossessed ( less than a month ago in XX/XX/XXXX ). After speaking with an employee of the CHP they said that there was no hold on the car and I could go get it from the tow yard it was being held at. I called the tow yard and they demanded " X '' amount for the car. The company Title-Max has been paid twice for one loan, didn't transfer the car as required by law appropriately, and I still am without vehicle as of XX/XX/XXXX.
04/26/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	ME 04401	Web
I logged onto their site to see that the payoff amount is {$280.00}. I've made payments every two weeks since XX/XX/2021 of {$57.00}. However, I received an email stating that my balance was " past due '' and that they are taking out another {$57.00} on XX/XX/XXXX. I found that strange so I logged in and it states that, despite having already paid {$280.00} so far, I somehow owe {$210.00}. I have no idea where this continued charge is coming from as they actually owe me at this point. The pay-off amount clearly states {$280.00}. They're also currently closed and that is the only way I can have my account information removed from their system. It seems that they wish to continually charge me indefinitely and they have no means to change or remove bank account information online, only via phone. it seems extremely unethical and just plain bad business.
10/09/2019	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TX 76112	Web
My husband had a title loan with Title max in XXXX XXXX texas on XXXX XXXX. His last payment made was in XXXX his decease date was XX/XX/XXXX. The company contacted me about payment. Due to my husband putting me on the loan application as a reference.I then told him My husband was decease.They ask me to bring a copy of my Identification and his death certificate.I did that and have not been contacted since. Nor did The company mention at the time I brought death certificate and my Identification that they were still seeking payment.They said it would be decease and dismiss.The car was repoed over night on XX/XX/XXXX. The guy driving the tow truck said the XXXX location opened the claim back up in XXXX of XXXX. I have called the storw and the cooperate office.The lady at the cooperate office said she didnt understand why the car was even on repo list.
01/19/2023	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	TN 37660	Web
I got a flex line of credit with my title of my car in XX/XX/2021 I have been paying on the loan ever sense I only got XXXX dollar loan well after I got the loan and made payments they updated the credit limit to XXXX without my permission also I have payed them a total of {$4700.00} and they are saying I still owe then when I got to looking they are charging way more interest then what the Tennessee laws say they can.also I took my car to the titlemax location because they said they needed to update the pictures and stuff for the loan so I could access my available funds and still to this day they haven't fixed it and I need help getting this straighten out because they haven't even updated my balance on the app they tell u to use to check your remaining balance or online and you can see all the payments I have made in the transaction statement
07/26/2017	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	TX 77086	Web
Went in to Titlemax on XXXX/XXXX/2017 took out loan for XXXX was offered XXXX. Signed all paperwork electronically. They advised everything is done electronically now there are no more paper copies. I have had over XXXX loans with them and have paid all of them off on time. I called back today to see about obtaining XXXX more of what was available, and was informed that I have to wait 33 day waiting period and this was never informed to me, they also said they are changing there products so if I come in after 33 days and obtain additional money it will be based on my income and also, I will no longer be paying installment plans because, they are chaining there rules effect next week. No one sent or notified any of the borrower 's of these changes. This is not fair. You can not just change the rules to make more money, one day. Please assist me.
04/25/2020	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	TN 38506	Web
Started a title loan Titlemax XXXX, TN All payments were made on or before time, had contacted them on XXXX asking them on the payoff ( {$2300.00} ) and requested that payment would be made XX/XX/2020 Representative responded that it would be ok and no late fees would be incurred, Received notice via mail postmarked XX/XX/2020 of payoff balance through XX/XX/2020 of {$2200.00}. Visited XXXX location directly after work to make payoff, Payment was refused and other charges were orally spoken to a sum well over {$2500.00}. There was no resolve in talking with in store representatives. An effort was made to talk with district managers, A call was received back from one of the district managers, but the resolve was the same as in store. payment was offered and still refused. All actions were made on XX/XX/2020 to fulfill the obligation as stated.
12/21/2021	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TN 38114	Web
On XX/XX/2021, I entered into a consumer transaction with TITLEMAX. On XXXX, I sent a cease and desist notice, TITLEMAX has failed to acknowledge. On XX/XX/2021, TITLEMAX STOLE MY VEHICLE. TITLEMAX HAVE FAILED TO NOTIFY ME IN WRITING. While looking over my contract, I see TITLEMAX has violated several laws. Please see attach letter for violations. TITLEMAX has stole my vehicle. Taking possession of something you do not own is thief. Having a lien of a vehicle does not mean you own it. TITLEMAX allow a XXXX ( third party ) to come and get my vehicle. This is a violation ; the XXXX ( third party ) was not their to witness the contract and is not apart of the contract. I want to know how did the XXXX ( third party ) get my address, location, and I did not give the XXXX permission to take my vehicle. This is an infringe of my right to privacy.
10/23/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	MO 644XX	Web
We started our Title loan in XX/XX/XXXX for around {$2600.00} we told them we would have the {$2600.00} to payoff in XX/XX/XXXX they said ok that would work, while making {$410.00} payments a month which we agreed to. XX/XX/XXXX came and I called in to pay off the amount we borrowed and they advised me I would need to pay {$3400.00}, that was not what was agreed especially since we were making payments too. They said sorry that is what is due so we've still continued to pay the {$410.00} a month and this summer XX/XX/XXXX I called to see payoff amount and it was even more, how is that possible when I have been making payments I have paid {$3700.00} so far on a {$2600.00} title loan and I am told that the payoff amount will continue to go up. I was never told any of this when we signed the paperwork or I would have NEVER gotten this loan.
07/26/2016	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	CA 92808	Web
TitleMax of XXXX, California disclosed my personal information to former friend of mine regarding my debt. They got this info off my reference document provided. I no longer speak to this person, until they contacted me and told me they were being harassed by TitleMax. They informed my friend that she needed to speak to me, where she was from and what it was regarding. Prior to this, a tow truck driver showed up at her house looking for me and the vehicle. Speaking to my friends father and disclosing more information about my debt and why they were there. I have made REPEATED attempts for them to stop. I informed them to come collect the vehicle and they refuse to do so. It is my opinion that they refuse to collect the vehicle to they can continue to keep collecting interest at high rates in hopes of getting this money later.
06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	FL 33025	Web
i have a loan with this company and ive been receiving threating calls to damage my credit.. this company gave me a loan and i did not know the interest in 40 % which is illegal in the state of florida. every time i pay the loan the amount does not go down. this isnt fair and its fraudulent. This is the article .. XX/XX/2023. Breach was discovered XXXX XXXX.. but they confirmed that their system was hacked months before they noticed. Why did it take three months to notify the consumer? The specific information involved in the breach, according to TMX, " may have '' included names, dates of birth, passport numbers, driver 's license numbers, federal or state identification card numbers, tax identification numbers, Social Security numbers, financial account information, phone numbers , street addresses and email addresses.
07/23/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 303XX	Web	Servicemember
signed up for loan with title max XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX with XXXX. for XXXX XXXX of 2022 i have to date paid around XXXX and the balance hasnt budged. called to speak to XXXX and was told she no longer works there nor does the manager. When i signed up XXXX told me if i made the monthly payment it would pay off the loan. None of this has occurred. now since she doesn't work there the new general manager has no longer taken accountability for this situation. I have been frauded by this company. No XXXX spoke english but her explanations where not clear and she just kept saying yes to the questions when i asked her about the payments. website is supposed to have my documents but they are not there. and the website was down for a month and had been hacked and we were told our data was breached as well.
04/08/2022	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	NJ 07111	Web
XXXX XXXX offer to help me the problem was every time I call or the bank the manager was never available or on another phone call would not return my phone calls or talk to XXXX XXXXXXXX. Some one else answered the phone always some type of drama of trying to get help and they misled me to work with me and XXXX XXXXXXXX XXXX did try reaching out to the manager it was a no show another person answer the call and mis guided or mis led information to XXXX XXXX XXXX and now the corporation has given me a call XX/XX/2022 telling me that I have to pay XXXX a month. Although the payments went from XXXX to XXXX and the interest rate is 139 %. I try all banks and try to trade it in no one is going to help me anyway the car does not run so I'm stuck and now I'm complaining because I gets phone calls and don't know what to do.
02/05/2021	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	MO 64804	Web
On or about XX/XX/XXXX Title Max repo my and my spouses XXXX XXXX XXXX the vehicle loan was in my name only and NOT my wifes therefore she has rights to said vehicle in that she is NOT a co-borrower she personally contacted Title Max on XXXX XXXX in XXXX Mo and advised them she intended to pay Monday XX/XX/XXXX and the Manager at said location said ok and verbal agreement was entered. However the highway robbery XXXX company Title Max lied and repoed said vehicle in my opinion stole it and violated Missouri Law and possibly Federal Laws in that my spouse was under No obligation and it is half hers therefore she has legal claim to said vehicle she is seeking a court order stating this and she will be filing a lawsuit against Title Max in that she has phone record of said verbal agreement and has legal claim to vehicle.
08/31/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Struggling to pay your loan	NV 89113	Web
I had taken out a title loan from title max. I was struggling to pay it. So I kept taking out additional title loans to pay off the previous one. I did this 4 times. I have been XXXX since 2008. In XXXX of this year I was cut off of XXXX. I was not given any warning. I only found out when my benefit were not deposited and I call Social Security. In Addition to cutting me off. They say I owe them {$130000.00}. I have XXXX money. I tried talking to TitleMax and explain that I lost my XXXX. I asked if they could work with me. They said they will not. I will be evicted in a couple of weeks. If I loose my car I will have lost everything. I will not even have a car to sleep in. I dont know what I will doas I am more XXXX the. I have ever been. Please help me. I can not loose my car. It will make my life impossible
07/06/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 78621	Web
On Friday XXXX XXXX 2015 my car was unlawfully repossessed by a GPS tracker device placed on my vehicle by the repossessing agent that was authorized by the lien holder Title Max. I have done my research and in the state of Texas you have to be a license Private Investigator and have a signed contract by the ones who hired him to perform this. I would like to know who the Private Investigator was and I would like to have a copy of the contract. Then when I called them, they stated that my vehicle was reposed on a different date, the documents did not match up, and the manager there told me that he was helping me out. They mailed a certified letter weeks after the car was repossessed they never sent a certified notice before they reposed they vehicle. The finance company is not information that the finance inclose.
01/22/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 77303	Web
I have had a title loan with title ax for 3+years, during this time I have paid interest charges, paid down principle, increase my loan, and paid several late fees. The issue is when I requested an increase in loan amount they did not ask what my income was although they knew I was on XXXX. They provided me an additional XXXX. Dollars. After this when I returned in I believe they ask that I sign some old documents from months before stating I received disclosures. I have been asked each time since to sign the same statement but have never received any disclosures. I now am past due and when speaking with manager he offers only half off the late fee, I have paid this company well over XXXX times the value of the car, I understand the need to repay but I need title max to understand my income and ability to repay
09/17/2020	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 34952	Web
I have an installment loan from my car title with instalone and this is the second time that they are attempting to bully me into making a payment and harassing me with phone calls they've called me three times in the last two days when the first call I received I told them I would be making a payment today or tomorrow and then I received two phone calls after that. I already filed a complaint with the better business bureau but I ended up getting bullied into borrowing more money to make the past due payment and this is all due to kovid that I couldn't make the payment. one day past the due date which was XX/XX/XXXX they slapped on another month due right now that's twice they've done that to me period plus the harassing phone calls and their bullies they are bullying me ... help me XXXX is who called me
05/26/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TX 751XX	Web
I received a Title Loan from TitleMax which charged an annual interest rate of 160.03 % for a 5-month loan. In the State of Texas, the interest rate can only be 10 % maximum per year, which is a violation of Title 4 Sec. 305. I sent a Negotiable Instrument per UCC 3-603 to XXXX XXXX CEO of the company which was received via Certified mail on XX/XX/XXXX ( Certified Mail No. XXXX XXXX XXXX XXXX XXXX ). The debt should have been discharged. I continued to call to check the status of my account and was never notified that my car would be repossessed. According to the postal rule, a contract is accepted when the offeree places the document in the mail but in this case, the document was accepted and signed for. However, my car was repossessed on XX/XX/XXXX. I made my payments up until the document was received.
06/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78750	Web
titlemax called me many time telling me to contact them. I answered one of their calls. told them I had no business with themthey called me a liarthey wanted me to give them personal information which would have allowed them identity fraud on methey kept telling me to XXXX payment and I never dealt with them ever in my life. I tried to be nice and explain they had the wrong person. when I asked how they got my phone number, they said it was in their " system '' they said I live in XXXX, I never lived in XXXX. I told them numersous times I did not live in XXXX, never did, they kept telling me I was a lair. and was lying to them. and to fess up and make payment. this is unacceptable harassment and trying to collect money from me and I never had had any dealing with themtheir phone number isXXXX
05/24/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	FL 33619	Web
ON X/XX/2017 I WENT INTO INSTALOAN TO TAKE A LOAN OUT USING MY CAR. I WAS NOT TOLD THAT MY RATE WOULD BE AT 65.1994 PERCENT. I DID NOT EVEN GIVEN PAPERWORK UNTIL X/XX/2017 REGARDING ANY INFORMATION ON MY LOAN OR RATES. I HAVE TRIED TO TALK TO THEM ABOUT IT AND THEY WILL NOT GIVE ME ANY INFORMATION AND MY PAYMENTS I HAVE MADE IS NOT EVEN HELPING MY LOAN KEEPS GOING UP. I WAS IN THE HOSPITAL WHEN PAYMENT WAS DUE I CALLED AND SPOKE WITH A MANAGER WHOM TOLD ME THAT MAKING MY PAYMENT LATE WOULD NOT HURT ME DO BEING BEING IN ICU. WHEN I WENT IN THAT IS WHEN I FOUND OUT THEY CHARGED ME MORE AND WHAT MY RATE WAS AT 65.1994 PERCENT. I DO NOT THINK THAT THIS IS LEGAL AND WOULD LIKE ANSWERS HOW TO HAVE THIS CHANGED. ALSO LIKE TO ADD THEY MADE ME BACK DATE AND SIGN PAPERWORK WHEN I WENT IN ON X/XX/2017
09/21/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	MO 63640	Web
3 months ago i had to get my car repaired because im XXXX and need a running vehicle plus according to the the contract the vehicle has to stay in running condition. I only have a month income so only could get car repaired. I explained this to title max they said corporate was going to have to speak with me. I said that was ok. After car was repaired i took in the invoce. No. They took my next payment then refused the following payment. I called corporate to try to work something out they were rude. And my contact doesn't say they can refuse payment. Now i worry every day i will lose my car and the interest keeps piling up and and i do not have this kind of money now. I live on ssi. I only have my contact i have asked for other paperwork pertaining to my account and they refused to give it to me.
10/06/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 27613	Web	Older American
Received email this morning from Title Max, Inc. Stated that I owed $ XXXX reads that I must pay this amount by end of business day today or set up payment arrangements.If I do not do this, they threaten to start legal proceedings against me, docket number XXXX and inform my employer and credit bureau. They state failure to do these steps will result in the next step, Legal Proceedings. They will start legal action. " Let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step. ". I repeat I did not borrow any money with Title Max, Inc ever. There have been threatening phone calls several times a day, including early morning and late in the evening.
12/31/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	KS 66104	Web
I have gotten a loan a month after covid happened. I was expected to make payments on the loan waiting for unemployment. I was approved for unemployment and have gotten a check. I made 1 payment to my loan then unemployment stopped paying me without any letter or call to me. Months later I still file every week but still no other payments made to me. I have called unemployment numerous if times can't get any answers. After filing each week for unemployment 8 months to this date I haven't recieved a payment it shows they owe me XXXX but hasn't sent any monetary funds to me they know it's a pandemic and 8 months without any funds causing interest on my loans and harassed daily by the company to repossess my vehicle after numerous of times letting them know of my economic hardship. Please help
07/29/2023	No	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	MO 640XX	Web
I had a title loan on my XXXX XXXX for XXXX The 4th month my payment was {$20.00} short of the XXXX payment. I get a call a few days before the 5th payment is due and Im notified that there is a {$500.00} late fee associated with the {$20.00} from the previous month. So I cant make a payment or it all goes to the late fee. Regardless my car was repossessed 3 days into that billing month and sold. They would not work with me with any reasonable expectation so my car sold at auction. Now I have no vehicle or means to get to work. On a XXXX loan, it wouldve cost me {$14000.00} to pay it back which I wasnt advised of that until after the loan was finalized. I kept asking what the total was and she said well well get to that in a minute. How can a company prey on my hardship and it be legal?
04/30/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	GA 314XX	Web
In XX/XX/XXXX total I purchased 3 vehicles from XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX phone # ( XXXX ) XXXX ; of the 3 vehicles 2 of them was financed. In XX/XX/XXXX i noticed that the dealership and all the others had gone out of business. I had been making payments on time each month and after XX/XX/XXXX i noticed i stopped receiving emails of my payment conformation so I called and spoke with a worker who told me that XXXX XXXX now owns the loan! I was shocked because I had not received any notification from XXXX XXXX that they was going out of business nor any intent to sell or transfer my loan to XXXX XXXX. in addition my vehicle had many issues with the radiator rendering it inoperable for the 1st month and a half and i recently had more radiator issues as well.
09/13/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Problem with the payoff process at the end of the loan	AZ 85051	Web
After paying the refinance amount, I called the store manager and spoke to XXXX. He said that yes, I am able to refinance but hes not going to let me, because he feels like I should pay more interest first. I said, so Im eligible and able via TitleMax but you personally are not going to let me, due to your personal feelings? He said yespay more interest and then I might let you. I already paid the refinance amount and he said too bad. Im not letting you. This is illegal. I paid it already. I then asked for a District Managers number and corporates number. XXXX said no. Then he gave me the number to collections and said it was Corporate. They said no this is not, and XXXX purposely gave you the wrong number. I requested a call from the DDOwho was supposed to call me three weeks ago.
03/03/2022	No	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	KS 666XX	Web
On XXXX XXXX my vehicle was repossessed by the title loan company I then received notice I had 10 days to pay the loan in full by XX/XX/2022 or the lender could sell the vehicle I contacted their resolution department and they told me if I paid {$850.00} by the XXXX then the car would be mine again. On the XXXX of XXXX I paid the balance due at {$850.00} then when I was give me the telephone number to the place where my car was being held they gave me the address come to find out they took my car 2 hours away to another city different from where I reside or where the car was repossessed or where the title loan was even conceived when I informed them I have no way to get 2 hours away they just were like sorry for you. Here it is now XX/XX/XXXX and my car still in a different city.
03/14/2020	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TN 38115	Web
Made a payment XX/XX/XXXX for {$480.00} told I had to make at least one payment. I had been to them two weeks before and told they couldn't take a {$100.00} payment. XX/XX/XXXX paid {$150.00}. XX/XX/XXXX paid {$400.00} ( on the app ). XX/XX/XXXX paid {$110.00} ( on the app ) XX/XX/XXXX paid {$84.00} ( on the app ) I borrowed {$800.00} on XX/XX/XXXX to take care of excessive utility bills. I borrowed {$500.00} on XX/XX/XXXX and then {$1500.00} on XX/XX/XXXX. It appeared to be regular interest. Yes, I signed on the computer but didn't know about excessive fees. These loans are not meant to be paid off and trapped the consumer. I didn't have money to go to the grocery store because the manager told me they had to have a full payment. Now this Coronavirus stuff is going on.
12/20/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30168	Web
A year ago XXXX XXXX to be exact I did a loan with titlemax, I borrowed {$5000.00}. I have been paying like clockwork the minimum of XXXX a month and some months a little more. My principal has not moved. I currently owe XXXX a year later, I found out when I went in to make my payment because I had been doing them over the phone that the XXXX had only been interest. I truly could n't believe this because this was not explained to me at the time of the loan. I 'm on a set income XXXX to be exact I have XXXX kids and medical expenses. This really broke me down to know that I 've XXXX near payed almost XXXX dollars and still owe XXXX. I feel I was tricked, I was told all I needed was title and spent a good portion of the day getting the title changed in order to do the loan,
07/18/2016	Yes	Consumer Loan Pawn loan	Charged fees or interest I didn't expect	FL 32034	Web
I have a case number XXXX I would like to add to it after I went up there Georgia on Saturday XXXX/XXXX/XXXX. I received documents of my account. I have paid out {$8800.00} on a {$2400.00} loan. the paper work shows {$5000.00} on XXXX/XXXX/XXXX which I gave them back {$2500.00} back on XXXX/XXXX/XXXX. XXXX. They tell you their internist is 11 %. but if you look it is actually 109.3767 %.. Saturday they wanted me to sign a new contrast which puts me back where I started. I can not get my car reposed so what do you do. I ca n't keep paying them all this money. They are a scam. I have medical issues and other things going on. I am a XXXX income family. I need some help here.I have been doing this for two years I want out. Help me!!!!!! I have to have my car to get to work.
01/07/2022	No	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TX 76119	Web	Servicemember
hello my XXXX and i had got a car tile loan with tile max and they have lied about everything they got my car on the 21 and they said they sent me a note out as well well everyone know when they pick up your car it take may be a week before you get paper work about what you want you want to well i got mine the next day did'nt seen right for you to pick up my car at the wrong loc.they said they got it from my mom house at XXXX pate and thats not true at all some one stole the are and they wantpick up yourcar from no {$430.00} know XXXX yes what i know i work at a plces with tile loan at the 24hour check cashing plance on miller. my address isXXXX XXXX XXXX XXXX XXXX texas XXXX my name isrose XXXX XXXX and XXXX ask her acopy of it she said they dont do that she lied
05/16/2019	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	FL 33617	Web
I understand you must have full coverage insurance on your vehicle for a title loan and i've had full coverage for over ten years. Instant loans co. Are forcing me to purchase their insurance which adds an additional 60 dollars to pay off. I mention this policy to them and they responded that my insurance must be paid up for 60 days. How is this legal when the loan is only for 30 days?. In additional to this when you make a payment, your new due date is the same date that you pay the loan not the next 30 days, how is this legal? Making customers pay for full coverage insurance when the customer already has insurance seems illegal. They have charged me over 500 dollars in insurance fees in which i already have and have had full coverage insurance for over 10 years.
11/04/2022	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AZ 85741	Web
I filed a complaint previously and the company closed it. The issue is not resolved and I dont accept their response, I only knew about the interest after I took out the rest of the money. I actually still have the money and tried to pay it back with in the XXXX to avoid their exorbitant fees but they block the website from taking payments within the first XXXX XXXX forcing a customer into a store where their high pressure sales agents basically keep you from changing your mind. If you check footage of the day youll see that he just rushed through all the prompts and skipped everything. He was helping multiple people at once. Their process is digital and set up so the customer has to scroll through the information. The agent took the mouse and skipped everything.
08/02/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 75038	Web
1. In XX/XX/XXXX, Title Max lied to me saying I would be completed with installment payments in 10 months, after I took out a loan for {$5500.00}. 2. Initial salesperson lied to me and also was belligerent and called me out of my name over the phone, for which she eventually was " fired. '' I found out recently that she was actually moved to another store. This was the 2nd lie by Titlemax, it's manager and franchise owner. 3. Titlemax also charges predatory fees of XXXX XXXXdaily charges. 4. In XX/XX/XXXX, I tried to settle for XXXX XXXX utilizing all of my tax refund, which they refused. 5. It is a trick, where every month, you think you are paying toward the balance, but that payment just starts the entire process over as if you have not paid anything.
04/17/2015	Yes	Payday loan	Payment to acct not credited	GA 30013	Web
I took a {$500.00} personal loan with a company called Insta Loan. I 've made payments of {$120.00} per month for over 4 months to Insta loan which mean i covered more than the loan amount. Each time i meet with them at the office to make a payment they told me they were updating my information, which false. It was false because i recently found out that they were reapplying for a loan each time i made a payment. When i looked at my balance it never decreased it only increased each time i made a payment. Then i checked my credit report and they applied XXXX loans of {$600.00} on my credit. I spoke to a man named XXXX in the office and he told me that these kinds of loans are not set up for you to get out of, and that i 'll be making endless payments for years.
10/06/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Vehicle was repossessed or sold the vehicle	VA 24151	Web
In XXXX Title Max gave me a loam on my XXXX XXXX XXXX. After they gave me the loan they raised so many fees and interest on me it was impossible to pay back the XXXX dollars they loaned because the interest was over XXXX percent I think. They came to my house the tow guy damaged the back of the car by just picking it up and dragging it without being fully latched to it. The car had a blue book value of around {$6400.00} and they never gave me a dime when they sold it at auction. I've paid enough payments to them to pay back the XXXX dollars twice as I recall and it just kept going up and going on the interest and loan it was impossible. They stole a {$6400.00} dollar car from me and got paid back around double what they loaned me I think it came out to.
05/24/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	NM 87031	Web	Older American
I am a XXXX XXXX XXXX woman, single. I took out a title loan with Titlemax in XX/XX/XXXX. I must work to supplement my Social Security. I took a job at a local gas station and convenience store. I developed XXXX that is extremely painful and had to leave the job. I fell behind on my payments to XXXX XXXX and although there customer service mantra is they are committed to great customer service they were not willing to work with me on a settlement. The interest rate goes up daily from {$500.00} to now {$860.00}. My car is XXXX XXXX XXXX and now in danger of repossession. I can't lose my vehicle. They have closed all branches in my state as of XX/XX/XXXX due to unfair business practices. They do not ever answer their phones and I need reconciliation.
02/24/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 76133	Web
I have been a repeat customer of Titlemax for many years and have always paid off my loans with the company even though I was paying 3x my loan amount in interest and fees set forth by the company. I am now at risk of losing my vehicle because I can not make a payment and the company is not willing to work with me regardless of my past history of pay-offs. I need help and the company isn't willing to extend me any kind of good faith or good will. They would rather take my vehicle and hit my credit score with a negative report so now I will stuck with bad credit and no vehicle. All because of one missed payment due to financial hardship. Which Titlemax is aware of and shows no concern for by the representative employees it has working for Titlemax.
02/24/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	SC 29210	Web
Hey I was calling checking in with the company I even started a new seasonal job to help cover my payments but they where extremely high. I dont even understand where high interest fees come from I feel they do it just so they have your automobile aint noway one day you owe one amount then the next day its an extra XXXX on the payment thats ridiculous. I feel its wrong & its really just too easy for them to get your property I got behind XXXX payment & after that I was grass I woke up to start my job one morning the vehicle was gone I been down every since because I dont get tax money at all that just crazy I feel like some should be done about title max places or they should at least give you money back if they take your car from you its sad.
06/13/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AL 36830	Web
I 've had a loan with Titlemax in XXXX , AL for at least 5 years. During this time, an employee of Titlemax visited the home of my husband, now ex-husband, and the employee shared private information about my loan with him. My ex-husband then shared that info with family and friends, and he discussed my Titlemax loan during our divorce proceedings. I suffered emotional distress and embarrassment due to the fact that my ex-husband was able to discuss the Titlemax loan during our divorce and share the info with family/friends. Also, when I initiated the loan, I was misled and deceived by the sales associate. The sales associate did not make me aware that by repeatedly renewing my loan, the repayment interest would then be significantly higher.
09/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	NV 89178	Web
I was harassed by Title Max Corporation of Nevada, XXXX representatives from the company ( XXXX including branch manager ). These individuals came to my place of residence asking for payment, trespassed onto a gated company. Discussed my financial matter with a family member. The account had been delinquent for 15 days. Every employee continue to contact regarding a title loan that is currently in default. I started making my phone calls the appropriate departments and I am refusing to pay any more on a contract that 's violated FDCPA regulations XXXX. I believe these individuals have been engaging in illegal debt collection policies and practices. Their engaging in loan agreements that surpass the allowed length of a title loan agreement.
09/23/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TN 37043	Web	Servicemember
On XX/XX/2018, I went into a XXXX in XXXX, TN to inquire about the rates of a title loan. The customer service rep showed me that the interest rate would be 23.98 % and showed me a printed guide on how much I would be paying down every month. She really encouraged me to do the monthly option and the guide showed how much the principal would be going down with each payment. After I made my first payment of {$580.00} on time, I noticed the principal did not go down at all and actually increased. I looked at the statement and saw where there is a customary fee of 127.75 % APR added to the 23.98 % per billing cycle. This customary fee was not explained to me and she showed me a payback guide that had the principal going down every month.
01/26/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	OH 45242	Web
I WAS CONNED- I WAS TOLD THAT THE BALANCE WOULD DECREASE EACH MONTH. I WAS TOLD THAT THE ROLLOVER WOULD LESSEN AND AFTER SO MANY PAYMENTS, I 'D BE PAID OFF- LIKE AN INSTALLMENT LOAN. TITLE LOANS DO N'T DECREASE WITH PAYMENTS- IT IS BASICALLY REFINANCED EACH TIME YOU DO N'T REPAY THE ENTIRE AMOUNT. THE REPRESENTATIVE MISREPRESENTED THIS FACT. WHENEVER I ASKED QUESTIONS ABOUT THE PROCESS, I WAS TOLD TO BORROW MORE MONEY. NOW I ASKED FOR AN EXTENSION FOR A PAYMENT AND I WAS TOLD THAT IN ORDER TO DO THAT I WOULD HAVE TO SURRENDER MY CAR IN ORDER TO PROCESS THAT REQUEST. EACH TIME I CALLED, THE MANAGER WOULD CALL SOMEONE OFFSITE NAMED XXXX AND ASK FOR EXTENSIONS, BUT HE 'D DENY THEM AND THEY WANTED ME TO COME TO THEIR SITE WITH THE VEHICLE.
11/14/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Vehicle was repossessed or sold the vehicle	TX 77386	Web
I went to Title Max to get a title loan for my vehicle on XX/XX/2023 because I had got laid off in XXXX. We agreed on a loan of {$1600.00}. I never was able to pay the loan back, which I let them know because I wasn't hired by anyone. Doing this period of time I became homeless and my family and I was sleeping in the vehicle. They repossessed the vehicle on XX/XX/2023. They kept a business book which has my driver 's license, XXXX card, and my family and I birth certificates. The vehicle has less than XXXX miles and new paint. They claim they sold the vehicle for {$1600.00}. They say I owed {$2600.00}. So I wasn't given any funds back which I know the car is worth every bit of {$15000.00}. Could you please help me with my situation.
09/13/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TN 37311	Web
I XXXX XXXX XXXX went to titlemax loans in XXXX XXXX in XXXX Tennessee to apply for a loan. Titlemax insisted on taking my photograph for unknown reasons they never told me exactly how much my monthly payments are they never gave me any copies of the contract I signed they also failed to disclose how exactly the payoff process works. I was also coerced into leaving a positive XXXX review by being threatened that if I didn't that I would be rejected for a loan. I now feel trapped into a toxic loan situation of which I wasn't informed of many details if anything as well as being denied document copies and being coerced by financial threatening me. The loan XXXX I spoke to was XXXX XXXX XXXX I believe him to be a leadership personnel.
01/27/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AZ 85339	Web
I have fallen behind on payments. The company XXXX XXXX left a green note at an address of a friend with no name just a reference number and phone number to call. The friend called the number and the women told him they were looking for me to collect my vehicle. He advised her that he was not me and to contact me and she advised him they were trying to contact me by leaving the note. The issue is they advised him that there were collecting a debt and told him my name and make, color and model of car. This person is not on any of my title loan information. They just provided my info because he called the number that was left on his door that did not state who the information was for but upon calling he was given the info and more.
11/27/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	FL 32177	Web
7 months ago i took out a title loan from XXXX in XXXX XXXX florida. Then every thing was fine till i got sick they did not working with me or did any thing to help me in my situation. Now they keep on saying i owe XXXX dollars all the time i paid huge sums of money. they are ripping me off and i need them forgive this debt. i paid over 500 dollars and they keep on saying i still owe the XXXX dolalrs. they never gave me a slip on showing how much i own last time. they can care less i had 3 XXXX XXXX and they will not help me what so ever. i even have a XXXX XXXX that they know and they keep on wanting medical records on that breaking hippa law. i don't make that much money i am on XXXX and they are taking advantage of me
06/15/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	NJ 08205	Web	Servicemember
Titlemax gave me a loan at a time where i was desperate im a XXXX veteran XXXX and was under the impression the interest would be about 42 % its really like 89 % for a XXXX loan to pay back was at like actually giving them over XXXX if paid according to there payment plan due to unforseen circumstances i can no longer pay almost XXXX month i called them in XXXX and told them i needed to surrender the car to them because they would not lower interest rate or call it even cause i have already paid over three times loan amount i think anyway it now end of XXXX and they still have yet to pick up vehicle im out of state and have no means or way to get it to them My question is was i taken advantage of and if so what should i do?
08/11/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AZ 85122	Web
In 2016 I took a loan for {$900.00} in XXXX from XXXX I paid them almost {$3000.00} to drop the loan {$300.00} as it got difficult to juggle XXXX and my rent and other utilities I refinance and eventually got another loan in XXXX. But I realize that I will never be able to pay this off the interest rates are too high it took me a year to take it down {$300.00} and I had to refinance so they won't take my car. I fallen into their trap no matter how much I pay them I will never pay off the loan they are like loan sharks it's gotten to the point where I am about ready to just give them my car. What they do can't be legal I understand I have to pay back the money but when I pay {$3000.00} for a {$900.00} loan something's wrong
05/22/2017	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	AZ 85120	Web	Servicemember
After 45 days and no voicemails, and no notice at all TitleMax on XXXX XXXX XXXX XXXX in XXXX , AZ repossessed my vehicle leaving me without means of transportation to work. I am a XXXX XXXX XXXX member who had recently started a new job and now is facing extreme hardship due to the unfair treatment of this company. This loan was for {$1100.00} and a payoff amount of {$1800.00} is now owed within 10 days. How am I to save the funds for my vehicle back without transportation to work? It is like the company was looking to do this to me. Very saddening. When I called and asked to pick up my belongings I was told there was going to be a {$35.00} fee to pick up my work security badge that was in the vehicle.
09/23/2015	Yes	Consumer Loan Title loan	Lender damaged or destroyed vehicle	TX XXXXX	Web
A few years ago I found myself between jobs. I reluctantly Took out an Auto Title Loan. I only needed XXXX Yet the Agent convinced me that if I were to increase that amount to XXXX that the interest would be better. I was late on a payment and they reposed my car. When the car was finally returned to me after two weeks, all of my I.D . including XXXX XXXX XXXX, Drivers License, and Special I.D . to allow entrance to XXXX XXXX XXXX Sites were stolen. The car stereo was broken and everything from the trunk to the glove box was gone. I did file a Police Report and have that number. Since then I have been forced to pay over XXXX dollars for a XXXX Loan. A day does not go by that I do not contemplate XXXX. Please help. Thanks
07/03/2019	No	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	TX 785XX	Web	Servicemember
I was grossly mislead by this companies representatives. I was never informed that my loan would be transferred to another loan company. I was never told that I would end up paying interest on the interest after paying off the actual loan amount. I borrowed {$4300.00} I repaid {$4500.00} in six payments. I was then told that the interest would be with another company as a second loan and that my balance was {$3200.00}. I have now paid {$1100.00} on the {$3200.00} and my balance is {$3200.00}. The 2nd loan to pay off the interest on the 1st loan began in XX/XX/2019 and after two payments totalling {$1100.00} my balance due decreased by only {$75.00}. I was told that I would not be charged interest on the interest.
07/03/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 785XX	Web	Servicemember
I was grossly misled by this companies representatives. I was never informed that my loan would be transferred to another loan company. I was never told that I would end up paying interest on the interest after paying off the actual loan amount. I borrowed {$4300.00} I repaid {$4500.00} in six payments. I was then told that the interest would be with another company as a second loan and that my balance was {$3200.00}. I have now paid {$1100.00} on the {$3200.00} and my balance is {$3200.00}. The 2nd loan to pay off the interest on the 1st loan began in XXXX 2019 and after two payments totaling {$1100.00} my balance due decreased by only {$75.00}. I was told that I would not be charged interest on the interest.
04/09/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	DC 20019	Web	Servicemember
be for l got the loan the was 9.9 % l XXXX what is the interest, there said 9.9 %, l later found out that the interest 119.9099 % if l had know l would not get it l try to pay this off l have paid all but {$1400.00}, now this titleMAX OF XXXX XXXX say my account balance $ XXXXXXXXand look at my loan agreement l was not told that the finance charge is {$3.00} the loan was for {$300000.00} NO told me, TITLE MAX sent a tow truck to try to reposs my truck and have people sat at my house in the day time and night to try to reposs my pickup truck, and refuse to give my title back l have paid over {$450000.00} back but title Max did not tell me the true about the loan, l feel that have paid the loan back,
07/02/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30047	Web
Applied for a loan in person for XXXX but, at the time of the loan everything was done on her computer and she said everything would be emailed to me but it was never sent to me and when I called them on several occasions to discuss why the loan is not decreasing in the amount but is instead increasing all I received was the run round. I am aware that a lawsuit has been filed against titlemax for XXXX XXXX dollars with XXXX XXXX going to military families for predatory lending practices and XXXX XXXX going to consumers and I would like to know how to become apart of the lawsuit. I have already contacted XXXX XXXX and did an interview with a reporter regarding titlemax illegal practices.
05/24/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 306XX	Web	Older American
Title loan was paid off in XXXX at Title Max and the amount that was paid back was exceedingly higher than what was borrowed I was over charged for the pay off amount the store manager took advantage of me because she repossessed my vehicle because of a late payment and so I had to pay off the whole loan before I could get my vehicle back and they added money to the loan because I was desperate and needed my car so they took advantage of this situation. The loan has been paid off but they over charged me and the store manager disappeared and no longer works there when I tried to go back to inquire about it please help me to resolve this issue they took too much of my money in the pay off.
05/13/2023	No	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	GA 30305	Web
On XX/XX/XXXX I went into the TitleMax of Georgia on XXXX XXXX XXXX XXXX Georgia XXXX and I made the total final payment of {$1900.00} and that brought my accounts with XXXX balance I have the receipt which states that the account was paid in full and it stated that the title should be returned now once I did that and I went to the DMV they gave me a problem with getting my title with the lien removed because it says that I still have a balance owed. This company has deceptive practices and is trying to keep my car title by overcharging me on a loan that they provided After I came in to pay off the balance I tried to speak with corporate and that to was to no avail. This is my last resort
08/02/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	SC 29651	Web
In several occasions including XX/XX/18, a representative named XXXX, has contacted me via telephone while at work. She has been very rude with insults, profanities, and threats. While attempting to resolve the default situation with XXXX, I have asked XXXX for her superiors contact information to resolve the issue with someone else without insults and threats. She has refused to give me the information. Upon refusal to speak with XXXX, she began calling my mother and father along with her third part affiliates. She disclosed information about my debt in violation of fair debt collection acts. She has contacted them on numerous occasions despite being told in writing to cease and desist.
05/16/2023	Yes	Payday loan, title loan, or personal loan Title loan	Money was taken from your bank account on the wrong day or for the wrong amount	TX XXXXX	Web	Servicemember
I got two different letters in the mail saying my information was found in a data leak. I then got alerts on my credit report from XXXX saying my information like social security number and driver 's license was found on the dark web. The same bank account I got the transfer from title max from was then stolen shortly after. I told them many times I needed help and they told me it was a XXXX percent and its way over XXXX percent. They offered me credit repair and that's it. They keep saying they don't have fax and to talk to corporate I filed a police report and tried talking to them about fixing my credit and they won't help with anything they keep saying I'm late when I haven't been.
10/20/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85705	Web	Servicemember
my car was repossessed for being late 13 days for {$100.00}. I had just been released from the hospital having had XXXX. I nearly XXXX I have had XXXX loans with titlemax in the past ; XXXX of which I paid off early ( they didi n't like that ). after paying {$130.00} a month for several months I asked them to make a better arangement with me or let me pay off the car. I had borrowed {$1000.00} and made about {$700.00} in payments. I was informed the payoff at that time was XXXX the amount I originally borrowed. while I was trying to get better from XXXX they repo 'd my car claiming they tried to call me. now they want to sell my car at a private auction unless I pay them {$1500.00} more
04/08/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NV 89031	Web
I keep getting phone calls to my cell phone at XXXX XXXX ( in some cases straight to voicemail ) from supposedly TitleMax at XXXX XXXX saying I ( they think I am a guy named XXXX ) need to resolve it now or they would take legal action. Every time I call them I am told my number will be removed, usually after an interrogation ( I give no personal info beyond my clearly not XXXX gender and my name plus the fact that I have zero loans with anyone ). They clearly do not remove my number. I am only person in household, am not XXXX, don't know XXXX, have no mortgage, have no car loans, -- my only debt is credit card and store neither of which I believe TitleMax handles even if I were XXXX.
09/29/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Struggling to pay your loan	AL 35209	Web	Servicemember
On XX/XX/XXXX or XXXX of XXXX I took a {$800.00} title loan out after my boyfriend tragically got killed and I been paying high interest and fees on this loan almost XXXX years now almost I have paid this {$800.00} loan back XXXX just in interest and I recently lost my job last month and I also recovered from XXXX awhile ago and I can not not afford to pay this loan nomore because I already paid over {$4000.00} just in interest in almost XXXX years now and I'm struggling trying to just pay my bills now and I'm asking for compensation if possible due to mental anguish and pain I been having still trying to pay this loan off I'm exhausted I just want my title back to my truck please
04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64804	Web
On Monday XX/XX/2023 via us mail I received a " Notice of Data Breach '' from TMX Finance they allowed my personal information to be breached and now will be a part of a class action lawsuit as they deserve! However in their letter TMX Finance offers me one year of XXXX " Identity Works '' free of charge paid for by them but when I attempted to enroll with XXXX " Identity Works " they said they can not verify me? And refuse thus far to enroll and take advantage of this free identity theft protection paid for by TMX Finance for their failure to protect my personal identifiable information TMX Finance should be ashamed and XXXX should immediately permit me access to said protection.
12/13/2023	Yes	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	AZ 85629	Web
TitleMax gave me a loan on my vehicle and put the monies on the debit card debit card was stolen and I notified them and they never sent me the statements or even emailed them to me and then all of a sudden the company showed that has the monies shut down so now I can not do anything on top of that. They repossess my vehicle. I paid them owed and then they put the car under your name so I have not been able to register the car when my plates were expired because the car is not under their name. It does not have a lien. It is under their name so it basically says that they own the car free and clear I dont own it, no lien put in their name, and I have the car in my possession
09/13/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Problem with the payoff process at the end of the loan	TX 75067	Web	Servicemember
ALL LEDGERS FOR EVERY PAYMENT MADE, THEY REFUSED TO PROVIDE FOR ME. I ASKED FOR THE FRAUDULENT ACCOUNT TO BE REMOVED PER THE CHARGE BACK NEVER RECEIVED BY MY BANK. LEGAL ADV THAT THIS AMOUNT WAS ADDED DUE TO MY BANK DISPUTES. THE FIRST WAS XXXXXXXX XXXX THE SECOND WAS XXXX SOMETHING. XXXX XXXX XXXX, XXXX IN THE CORPORATE OFFICE AND XXXX XXXX ALL ADVISED OF ISSUE NOW THEY HAVE CONSOLIDATED THE CHARGEBACK AS A LOAN. WHEN I TRIED TO CONTACT THIS MANAGER I WAS TOLD SHE NO LONGER WORKED THERE. THE XXXX GUY IS CALLING MY CELL PHONE LYING ON TODAY AS IF HE DIDNT SEE THE CHARGEBACK LOAN, AS PREVIOUSLY ADVISED. I HOPE EVERY BAD THING FINDS ITS WAY TO EACH OF THESE INDIVIDUALS : )
04/03/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AZ 85023	Web
took out loan on title of car in XXXX. XXXX paying as agreed for a monthly installment but due to coronavirus and my XXXX being non essential I am not able to work. I have applied for unemployment and i am also looking for work in an essential business. i also have been XXXX to someone we believe has XXXX so i may be XXXX. i have called the TitleMax company and they refuse to defer, postpone or extend the loan. if i dont have a way to be able to legally work, they should be forced to help the consumer. if i lose my car i can not work or look for essential work. he next payment isn't due until the XXXX XXXX but they are showing that payment is past due as well.
06/23/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30008	Web
I took out a title loan years ago for a vehicle that now has a bad engine. I told them that I could no longer afford to pay for something I 'm not in possession of. They requested a voluntary repo report or a payment. I informed them that as soon as the lien holder provides me with the documents, I would forward them to them. I asked them to stop calling & leaving voicemails multiple times. They have continuously called asking for a payment. After I told the office manager that they were harassing me & that I was going to file a complaint, he said " the store is closing anyway so do what you got ta do. '' I 'm now doing what I have to because this is ridiculous.
05/22/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	IL 622XX	Web
On XX/XX/ I received a loan with Title Max in Missouri. I just realized the interest rate is at 176 % and that was not pointed out to me when I took the loan. Now Im struggling to pay the monthly loan amount of {$500.00} a month. I contacted the company and they didnt offer any assistance. Title Max told me if you dont pay, we will repossess your car the very next day after due date. I need help!. Ive paid them a total of {$4100.00} since I got the loan. The loan was for {$3200.00}, so Ive paid way over what I loaned and they dont want to offer any help. I would like my title back due to extremely high interest rate of 176 % and Ive paid off what I was loaned!
10/30/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 306XX	Web
I have had a title pawn with XXXX XXXX for 2 years and I pay XXXX a month..but if I'm late I pay XXXX per day that I am late. For the last 3 months I have really struggled..the payment has went from XXXX to as much as XXXX per month. Last month I informed the store manager that I would be late and she said well XXXX you are always late and this is an ongoing problem. I said yes I am late but i always pay all fees associated with the account. So the store manager say come in on Friday but I can't extend your loan. And that was on XXXX the XXXX..and I asked for another extension..but it was denied. This is a trap for a person to never get his or her title back.
07/17/2023	No	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	KS 67501	Web
I got the title loan in XXXX the car was registered to me and the title was in my name they repossessed the car sent it to the insurance and then brought it back and in court relinquished the car to XXXX XXXX XXXX I was never given the option to retrieve the car nor was I informed that it was being repossessed. they are trying to charge me the full amount of the loan but can not return the collateral that was put up for it. they will not discuss anything with me because the manager that went to court has since been fired along with another manager for basically doing whatever they wanted. titlemaxs legal department did not appear in court the manager did.
07/28/2015	Yes	Debt collection Auto	Taking/threatening an illegal action Seized/Attempted to seize property	TX 78703	Web
DEBTOR 'S NAME IS XXXX XXXX HE HAD A TITLE LOAN WITH TITLE MAX # XXXX IN XXXX, TX. A COMPANY BY THE NAME OF XXXX, UNLAWFULLY PUT A GPS TRACKER ON HIS VEHICLE AFTER THE PAYMENT WAS DUE. XXXX REPOSSESSED THE UNIT, BECAUSE OF THE GPS TRACKER THAT UNLAWFULLY PLACED ON THE XXXX FORD F250. I KNOW THIS BECAUSE THE MANAGER BY THE NAME OF XXXX CALLED ME AND ASK IF I WOULD REPOSSESS THE TRUCK, BEACAUSE XXXX WAS AN XXXX AWY AND COULD N'T GET TO IN TIME. I ASKED WHO AUTHORIZED THE USE OF UNLAWFUL DEVICE SUCH AS AN GPS TRACKER AND SHE SAID HER BOSS XXXX XXXX HE SAID TO GO AFTER EVERY CUSTOMER WITH VENGENCE, ITOLD THAT THIS WAS ILLEAGAL AND REFUSE TO REPOSSESS THIS UNIT.
03/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO XXXXX	Web
TMX Finance LLC submitted a cancellation of debt form to the IRS in 2019. I have had a loan with Title Max in 2019 for my car. They repossessed the car in 2019 and sold it for about {$3000.00} after I paid about {$5000.00} towards the loan. I complained to the Missouri consumer protection- General Attorney Office and Title XXXX said they did not file any cancellation of debts form and that repossession was legal. I pointed out that repossession was not legal as we were in the process of arbitration. It was also COVID period and they were not supposed to act to seize and then report cancellation of debt. Debt was not existent at the time of reporting.
11/04/2021	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AZ 85204	Web
On XX/XX/2021 I went for a loan at title Max on baseline in XXXX to take a title loan out on my XXXX, then offered {$750.00} on a car that I paid {$20000.00} for. I made my first payment yesterday of {$110.00} and they are saying I still owe {$760.00} on the loan charging a rate of 179 % apr and 14 % monthly interest. This way I would end up paying them {$2800.00} on a {$750.00} loan over a period of 23 months. This is predatory lending! I would never get it paid off this way they arent applying the money Im paying towards the principal, only to the interest which they are charging, which is more than the Arizona law states they are allowed to charge
08/01/2023	No	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	TX 78414	Web
I applied for a personal loan through Title Max located in XXXX XXXX, Texas. The total loan was {$1500.00} and I was told I would have to pay back a little over {$2500.00} including interest. I have now been paying on the loan since XXXX and have paid {$2500.00} but still have an outstanding balance of {$2000.00}. I contacted the customer service number and they advised to me to read my contract. I advised them I read the contract with the loan person and agreed I would pay back the {$2500.00}. I dont know what to do now. I can not afford to keep paying this loan. If I do, I would have paid over {$5000.00} and I know I wouldve NEVER agreed to that.
05/10/2019	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	AZ 85201	Web
On XX/XX/19 a payoff amount was issued to TitleMax by XXXX XXXX XXXX following a total loss on my Suburban after an auto accident in the amount of XXXX. On XX/XX/19 TitleMax said that the check was in their possession but continued to delay crediting the money to my account and issuing any overpayments due me. I was told that the Store manager XXXX has to approve the transaction despite the check being made out to TitleMax. I believe that they are attempting to extract as much interest as they can up to the dollar amount of the check before they credit my account. This is fraudulent behavior and I now demand that the full amount be refunded me.
05/15/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AL 35810	Web
Last year I was low on funds for my XXXX birthday I decided to go to title max for a title loan that was XX/XX/2022 I qualified for XXXX but only got XXXX a couple months went by of me paying XXXX every month I notice on the billing app that my balance wasn't changing so I called to ask why was that I was told that the XXXX was just to hold the title and nothing else and if I wanted to make the balance go down I would have to pay more than XXXX at this point I'm in shock cause I have had a title pawn before and only had to pay XXXX extra dollars plus the money I borrowed that's it so the lady apologize for the for not explaining it to me fully.
11/05/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Struggling to pay your loan	TX 78745	Web
After my most recent payment the company arbitrary placed me in a position to lose possession of my vehicle. These action was committed by the lender immediately after I filed the most recent complaint against TitleMax in regards how they are handling my account. The most recent payment of {$250.00} was submitted to the company, but the documentations of the payment is contradictory of it's related documents. As of this day I am placed in a position to lose my vehicle to because of TitleMax 's predator lending behavior and to now include retaliation against me by this current action due my previous complaint filed with CFPB against them.
02/11/2020	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 76108	Web	Older American
Took out a Title Loan with Titlemax on XXXX. The loan was for {$1600.00}. I have already paid in {$2800.00}. I called for the payoff and they said it was {$700.00} so I borrowed the amount from my sister ... this did NOT pay off the loan. They kept the money and applied to all their fees instead. They still want {$1700.00} @ 158 % interest. I had no idea what I was getting into ... .I am XXXX years old living on $ XXXX/mo in Social Security and can not afford to give them more money. They call everyday saying they are going to come get my car ... .I am under so much stress because of this, I am having health problems. PLEASE HELP!!!!!
12/21/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 77450	Web	Older American
I used my car title to secure a loan of {$3000.00} on XXXX XXXX. I have been making monthly payments of $ XXXX {$450.00} since XXXX. Yet this company says I still owe a debt of {$3100.00}. I calculate that as of today XXXX I have paid them over {$8000.00}. This company is unconscionable taking advantage of me, with their predator, fraudlent business tactics. I have asked them several times to lower interest rate and settle for different payoff method, they are not willing to arbitrate with me. The Lender Company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The Payee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
05/09/2017	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TN 38018	Web
Every month I pay over {$700.00} to Titlemax!! I located my loan papers and I agreed to pay XXXX !!! I never would have agreed to pay so much. They also have the incorrect name on the paperwork! I am currently XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX , TX. I continued my loan payments but now I am XXXX XXXX and only receive {$400.00} biweekly. I communicated this to management who told me I was in default and up for repossession. I explained again that I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX . They told me there 's nothing they can do ... which I do n't believe
05/05/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 76049	Web
Received a XXXX loan and was under the impression it was just like every loan was told my payment would decrease monthly only to find out I'm only refinancing the loan monthly while paying a {$1500.00} a month payment. I can't afford to pay the loan off at this rate. I am now being threatened with repossession they have already repossessed my truck once and kept it from me after paying the payment for a week. And now my balance went from XXXX to XXXX to pay it off. This is my only means of transportation, and it is also my late father 's truck I just want a fair payment. Title max refuses to renegotiate the loan terms.
05/01/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 76048	Web
I received a title loan from Title Max in XXXX, Tx. When applying for the loan the branch manager gave false information for my employment, she also never went over any of the paperwork with me. When COVID-19 happened I contacted the loan company to advise them that I would not be able to make my payment due to a cut in my hours. I was never told that the interest on the loan would still accrue. When I spoke with the district manager today he was not very helpful at all even after I explained the whole situation. I now lost my vehicle due to lack of compassion for the COVID-19 pandemic and how it has affected my family.
04/16/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	OH 44134	Web
I received a call from XXXX, they left a message. I called back and they stated that I owed over 1100 for a {$500.00} loan that was taken out in 2014 from the company Instaloan. I told them that I never had a loan through there and they insisted that I pay to avoid legal action taken against me or it affecting my credit. The asked if I had a XXXX account and was it always the same. I only stated that it was not the one that they provided. I called Instaloan and they stated that they had no record of me ever having a loan and the only way that I could do so if I lived in Georgia or Florida which I have never lived there.
11/08/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Loan payment wasn't credited to your account	TX XXXXX	Web	Older American
Over 2 years ago, I took out a Title Loan and my Social Security income changed drastically so Title Max attorney allowed me to make payments less the interest. I completed the payment for loan and received my title to my vehicle. For past 4 weeks Ive been inundated with collection calls. I called the number on the Caller ID and these are hard nose collection agents XXXX XXXX. I blocked one phone number then call on another phone number regarding a cleared up by Title Max Legal Department. They are ignoring the legal decision for to make payments and harassing me to make payments, I do not owe this company any money.
06/28/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	IL 616XX	Web
Our Son had medical problems and suffered a XXXX XXXX XXXX and We discovered that he had this title loan and i went over to the title max office to pay off this loan and I about had a XXXX XXXX when I seen that they had a ludicrous Interest rate of 167.88 % SAD World when these type of people are allowed to charge a phenominal interest rate to people who are already in deep financial trouble. HOW CAN THIS EVEN BE LEGAL?? NEW LAWS NEED TO BE ENACTED, and all financial institutions should not make any types of loans that the people can never re pay! This file is written by father, XXXX XXXX XXXX who paid off this loan.
01/30/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	VA 238XX	Web	Servicemember
I am getting almost daily calls from XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, VA XXXX. Phone ( XXXX ) XXXX. They continue to call me and leave messages on my voicemail telling me I need to call them about a loan ; however, I have called them several times to explain my phone # is only a few months old and I do not now, nor have I ever, had a loan with them. I have asked them to take my phone number off their system but they refuse, and the calls continue. I now have them blocked, so that my phone won't ring when they call -- usually during the day when I am at work -- however, the voicemails still appear on my phone.
06/19/2017	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	GA 30022	Web
XXXX XXXX XXXX XXXX XXXX XXXX, GA. The above company repossessed my XXXX XXXX XXXX. I was XXXX on a XXXX XXXX in XXXX, GA. While XXXX by XXXX attorneys some XXXX people at XXXX XXXX repossessed my car. I asked the employees at XXXX XXXX to give me the amount to reinstate my loan 3 times on XX/XX/2017. Three different employees told me that they did not have to follow the law. They proceeded to state that they will not tell me when and where to pick up my car. Please, help me locate my car and please investigate XXXX XXXX for XXXX. P.S By law XXXX XXXX is supposed to give me 30 days to get my car back. XXXX!
09/23/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	TX 78840	Web
On XX/XX/2022 I borrowed money as a title loan from TitleMax in XXXX XXXX TX, the amount was {$1500.00}. In between the time I made the mistake of borrowing more money for the second time and now the amount is {$3500.00}. The monthly payment of {$250.00} went up to {$560.00}. I talked to the representative at the store of TitleMax about how every time I make a payment the amount loan never goes down. The answer I got was that I will never going to finish paying the title loan. As of XXXX of this year I became an XXXX XXXX XXXX employee and I feel that they are just taking my money and I can do anything about it.
01/14/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 782XX	Web
My vehicle was repossessed XX/XX/XXXX and sold at auction on XX/XX/XXXX for XXXX and minus all the fees of XXXX there was a surplus of XXXX owed back to me. XXXX gave me a check in amount of XXXX and stated there was XXXX in other fees the letter I received clearly shows how the math was incorrect and also Im wanting to know if all the fees they indicated were valid. There are multiple times I called to get this takes care of and they were extremely rude and made me cry with the mean things they told me. I asked to hear the recorded calls and they refused. please help me with this matter and company. Thank you.
02/04/2019	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 77019	Web
On XX/XX/XXXX I got a title loan from XXXX aka ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX {$1200.00} ( including {$33.00} Lien Filing Fee ). On XX/XX/XXXX I paid back the {$1200.00} principal plus {$90.00} on the XXXX app which I believed was more than enough to cover the interest on a 6 day loan for less than {$1300.00}. After my payment is said I still owed {$220.00} due by XX/XX/XXXX. That would be a total of {$310.00} interest on a loan for less than {$1300.00}. That is more than 24 % interest for a 6 day loan on {$1200.00}. Is this legal? If not, how do I get what is fair paid back to me?
06/03/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 79720	Web
I took a title loan on a vehicle near 20 months ago. Originally the loan was for {$5000.00}. I have paid diligently and even tried paying extra to get the loan paid off but its hard to make headway. I did pay down over {$1000.00} of the principal but then reborrowed {$1200.00} because I was struggling to make the payments. The payments are 500-600 per month meaning I have paid probably in excess of {$10000.00} now. I would think this should satisfy my responsibility but I do not want to lose my car. I would like to come to some reasonable resolution to resolve the debt and me maintain ownership of my vehicle.
07/26/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	CA 92808	Web
Titlemax used predatory and evasive techniques when procuring a loan from them. I was in a desperate situation, as I was unemployed and my California Unemployment had not kicked in yet. 6 months ago, I made attempts to return the vehicle to them and they refused to take it back to satisfy the loan. I had no luck selling the vehicle without the title as people are not comfortable with that scenario ( Can you blame them? ). I stopped making payments, as all payments were going towards interest and not principle. Titlemax refuses to collect the vehicle in an effort to continue to collect interest on the account!
10/28/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	GA 310XX	Web
Payment came due, while working out of town. My friend tried to pay the next day but they wouldn't allow her to. I called and they said I had to make the payment in person bc I was a day late. I told them the kind of work I do I will be gone for a while. They told me they couldn't help me. So after a couple days go by, someone calls me and say I can pay by the customer portal. I have been trying and it keeps giving me a network error. I have reached out to them several times and my assistant, bc I use my truck for my business. Now I have extra fees added to my account when I made multiple attempts to pay it.
10/09/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	FL 32246	Web	Servicemember
Hi, I am a XXXX dependent that received a title loan from Title Max. I received about {$3200.00} and I 've already paid them XXXX payments of {$400.00} and after I calculated the total number of payments I would have to pay them over {$9000.00}. If you are a day late they start charging $ XXXX and your car is up for repossession plus you can no longer make payments over the phone. You have to go into the office which is XXXX minutes away from me. I am really considering giving them the car because I refuse to pay XXXX the amount for this car. Is there any loophole being that I am a military dependent?
05/16/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	MO XXXXX	Web
In regards to CFPB complaint XXXX, please note that the complaint is about the following outstanding items : 1. If Title Max sold the car, no debt cancellation occurred in XXXX but in XXXX. The IRS needs to be notified of this error. 2. Title Max indicated in their response to XXXX XXXX XXXX XXXX XXXX XXXX office in XXXX that even though they repossessed the vehicle they will not be claiming any amounts owed/due/debt cancelled. Doing so despite of writing to XXXX office to the contrary, is misleading to the customers. 3. Please submit form 1099 C /send the 1099C filed with IRS for XXXX XXXX XXXX.
02/03/2023	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	NC 283XX	Web
On XX/XX/2023 I was charged XXXX dollars from a company by the name TitleMax Online. I have never heard of the company much less done business with them. As soon as I saw the charge on my bank app, which I look at everyday all throughout the day. I called the bank and told them I didn't make the charge and I had never heard of the business. All the bank did was freeze my account and I have not received my money back from the bank. I have also talked to the company and told them it wasn't me who made that purchase/ payment whatever the person did to take that amount of money out. I want my money back.
01/07/2020	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 310XX	Web	Servicemember
Im a XXXX veteran on fixed income on verg of going through a hardship I pawn my title to pay for funeral they told me they had best and less interest they told my payments would be XXXX a month I told them that was tight I have paid them XXXX they gave me XXXX they change my payments to XXXX a month they say my payoff is XXXX plus I owe for XX/XX/XXXX payment they say I need to give them XXXX to bring current my car need motor work done costing XXXX they people are XXXX me they don't wan na talk to me can someone please check into this title bucks XXXX XXXX ga XXXX my name XXXX XXXX USA XXXX veteran
02/27/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	DE 19904	Web
XXXX of XXXX I believe I got a title loan from title max paying until I lost my job spoke with them and try to get a title 5 .You must speak with dm so I called left several messages at least three times a week got a new job and try to lower my payments still know help.hot my income tax paid all that I owe.while still trying to get a title 5 .they never heard of it they took my car.and wrote me saying they sold it and I owe about XXXXalso I got another car went to XXXX and try to turn in plate on get it on new car XXXX of XXXX and they stated title max did not sale this car yet so I got new plates
06/22/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	MO 64068	Web	Older American, Servicemember
I applied for a title loan but had planned to pay it off before the first payment. That was not possible so I made the first payment. I was not given a copy of the agreement but was told I could get it online. I tried for several weeks to do this and it was not available. I went directly to the office to get a copy. I subsequently discovered that as a surviving spouse of a veteran that I should not have been charged such a high rate of interest. I also did not realize that all payments would go directly to interest for many months. This was not disclosed to me in person. The company is TitleMax.
09/05/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	SC 29466	Web
This is the second time in two months that the TitleMax online payment portal has been down. They offer to take a payment over the phone, but that is not secure, they also say you can come to the store, but that would cost valuable time during the day and gas money. They explicitly offer this online portal and then do not maintain it properly. When unable to make a payment online, that increases the amount of interest that is building up on this loan. Meanwhile nobody is able to answer when the portal will be available and operating. As I stated earlier, this is not a one time occurrence.
06/06/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	GA 302XX	Web
I took out a personal loan to purchase a vehicle from someone I knew personally. They had a TitleMax loan so I paid it off with XXXX on XX/XX/23 while all three of us was on the phone. I was asked by XXXX where to send the title, but unfortunately he was working with the guy whose loan it was and he requested to pickup in store. Even though XXXX took my personal address to forward the title. On XX/XX/23 I received a letter from TitleMax notifying me of a data breach. This business uses deceptive tactics to make money from the less fortunate. I repeat stay away from TitleMax XXXX, GA XXXX
11/01/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30045	Web
I took a loan under title max for {$8000.00}. I paid paid back more than $ XXXX back to title max. They are still harassing me because I still owed them {$8000.00}. Even tho I paid them more than 3 times what I borrowed. They calling me today harassing me that they are coming to tow my car. I been paying them now for almost a year never late nothing changed on the principle amount I owed. I am getting threats by the business and they want to come take my car that I need for work. Uploading the statement of all the payments I made to the business which is way more than what I borrowed.
09/26/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	TX 783XX	Web
XX/XX/XXXX a title loan was taken out by me through TitleMax. Once we started signing the paperwork, we agreed on a monthly payment XXXX a month and would make and would be paid off in 6 months. What they dont tell you is that every month the loan is renewed and the XXXX dollars Ive paid the last 2 month equaling XXXX dollars hasnt paid on anything expect for the interest for that month.. it is never explained the loan is to be paid back in 30 days.. the lender never informs consumers if you dont pay more than the initial agreed amount the title loan will never be paid down or off..
12/08/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	TN 37013	Web	Servicemember
I was told the payment information would be available online when I opened my account on XXXX XXXX. This was not true. I also was not able to see the documents and just was shown boxes to sign in the store. I felt pressure to accept. I was not given information of how much my payments would be and how much was principle or interest. My minimum payments keep increasing and the terms of the loan were not transparent. I called and was informed on XXXX XXXX, that this was intended to be a XXXX day loan but rolls over monthly. This was not clearly communicated. This feels like a scam.
06/09/2017	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	GA 30084	Web
I have been recieving threatening phone calls from these people. I was told if i didnt come up there and pay them they would call the police on me and i would go to jail. As of now my account has accrued interest because of their behavior. They have called me at my job everyday and sometimes even twice a day which i understand is against regulation. I am being bullied by these people and am in no position to resolve it because they said i cant come there or they will call the police on me. Im tired of being harassed them they are not trying to resolve the issue rather just argue
07/13/2023	No	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	GA 31024	Web
I took out a loan with Titlemax.. The lady explained that my payments would be {$110.00} and that I would be paying for 24 months. I thought is was a regular loan that you make monthly payments on. It was not explained correctly. It is my fault for not clarifying how the loan was to be paid. However, Of the {$1000.00} I borrowed I paid back over {$3000.00}. Interest rate was 152 %. The car was destroyed and I continued to make payments until I just couldnt anymore. After years they are contacting me to pay it off. This company received 3x their money back. Enough is enough.
03/10/2016	Yes	Payday loan	Charged fees or interest I didn't expect	GA 30021	Web
I have always paid on time and when I am going to pay late, I call the office and go in to fill out a form. My payment was due XXXX XXXX which was on a Saturday and they are no longer open on Saturdays. I went in to the office on Monday, XXXX XXXX to fill out a form and let them know that I was going to be late paying. On Wednesday, XXXX XXXX, someone came to my house and left a letter that they came by trying to get in contact with me. I spoke to someone from the office and no one can explain to me why this happened.They also took an unauthorized payment from me in XXXX.
05/18/2023	No	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	FL 32259	Web	Older American
My vehicle was repossessed on XX/XX/2023. I paid a cash payment to the instaloan office where account was opened. I received a " Borrower Receipt '' and " Vehicle Release Form '' after paying {$820.00}. I was given 3 telephone numbers by the General Mamage XXXX XXXX without being able to connect with " XXXX '' or any other telephone number given to me to retrieve my vehicle, which is needed to work. I lost {$200.00} on XX/XX/2023 ; and as of XX/XX/2023 still can not reach anyone to recover my vehicle. Now the General Manager refuse to talk or help me recover my vehicle.
10/31/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TN 37412	Web
I got a title loan in XXXX for {$1000.00} and also got another {$300.00}. My payments have been very steep. I have made all of the payments. For XXXX they only charged me {$60.00}. So I called and asked why they said I guess the company is giving you a break I'm not really sure and also asked if I would like to get more money on my loan which I declined. Now I look online for my XXXX bill and they have charged me {$590.00} for just the month of XXXX. Which is unrealistic I can't afford that. I have children to take care of. So now I'm going to face losing my vehicle.
10/18/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NC 279XX	Web
I had went to title max in Virginia, and took an loan out on the my 2000 Mitsubishi galant. For only XXXX dollats I have to pay back almost XXXX dollars back. So my friend got into a car accident due to bad weather. I know longer have the car and I told titleax that and to go pik up the car. They refuse tp go pik the car up and keep harrassing me everday about making payments. They told me to go pay for the car that have been sitting at the garage for about a month now. They call from block numbers and differeng numbers everyday and leave voice mail after voice mail.
08/09/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	SC 290XX	Web
I made {$1000.00} payment on XXXX XXXX. When I signed in last week to check my balance, it had already gone back up by {$1000.00}. I called and asked how that can happen. They said it was because my interest rate is at 190 %! I asked if I could refinance and lower the interest rate, and they said they couldnt help me. They gave me the corporate office number to call. They told me that my local store is the only one that can help me. I dont know what to do!!! My payments are up to {$700.00} a month at 190 %!!! XXXX XXXX XXXX! I only went to them for an emergency.
10/14/2019	Yes	Payday loan, title loan, or personal loan Title loan	Was approved for a loan, but didn't receive money	MD 218XX	Web	Older American
i applyed for the loan in XXXX i started out asking for a smaller amount but the lady told me i was approved for XXXX so i decscided to go with XXXX and pay off all my bills and just have one payment every month but when i found out later i only got XXXX the lady went with me to the bank and i didnt get the money untill i paid my old title loan off so they could get my title i ask them to give me the other money she said i was only approved for XXXX but she lead me to believe i was getting XXXX i didnt know untill i went back to the office i only recieved XXXX
05/05/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	AL 36109	Web
I have been paying only the interest on a {$5000.00} title loan that I was forced to get under duress of just losing my job. I have a car in which I spent nearly {$2500.00} in repairs and the truck still does not work and I have missed work on several occasions due to this. I 'm in financial distress due to this and I even paid {$670.00} which only went towards the interest. Had I know this would happen like this I would have never agreed to this amount of money. And to make matters worse I lost my home in a fire XXXX XXXX 2014. I need help, please help me..
08/18/2017	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	MO 650XX	Web
My XXXX XXXX was opened around XXXX of XXXX. I had a loss of employment therefore causing financial hardship on me. The lender TitleMax of Missouri repoed my car on XXXX XXXX XXXX. I have tried to work with TitleMax but they just dont want to work with me or understand my issues. I always get a different representative on the phone saying different things. I also offered to give them {$300.00} dollars this month and they said it was too late. This Company has several bad reviews so therefore I 'm also filing complaints with other state and Federal agencies.
03/30/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	VA 23669	Web
The balance now is {$290.00} and it was {$240.00} and we were sent a letter of default when we have n't missed a payment. The manager of this place will call you 4 to 5 times a day. She has called people of contact more than one time a day even when you tell her when you will pay and what you will pay they continues to call. This is harrassment and should n't be happening. She is rude and if she is doing us like that she is doing others the same way. We have had a loan before from another branch for more money and we were never treated the way we are now.
04/30/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 77016	Web	Servicemember
On XX/XX/23 I contacted Title max to try and reach a settlement. I was directed to my local store when I asked for my contract and payment ledger. XXXX said she could only retrieve the last contract since it was a monthly loan. When I asked for the payment ledger XXXX said it had been a while and corporate had taken over my accounts and she would print what was available. My payment ledger is inaccurate and only indicates one or two full payments. Since I am restricted from accessing my accounts on line I have no recollection of what Ive paid Title max.
07/19/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 77088	Web
I received a title loan from Title Max. They charged me a high interest that no one told me about. I have been paying {$1100.00} a month for over a year and they say that I still owe them over {$10000.00}. I only borrowed {$2500.00}. I can not continue to pay them that kind of money every month for only them to tell me that my interest isnt going down. My monthly payment only let me rent my own XXXX car for a month. I have no more money and my car is about to be taken. How can I seek help. At this rate they will get {$20.00} for a {$2500.00} loan
03/10/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	GA 309XX	Web	Servicemember
XXXX of TMX Finance LLC, TitleMax based out of XXXX, XXXX has failed and refused to perform fiduciary duty after given proper endorsements and instructions for account setoff. My XXXX XXXX XXXX has been wrongfully repossessed and is currently being set for auction at XXXX located XXXX XXXX XXXX XXXX. XXXX, SC XXXX on XX/XX/2023. Endorsement was sent to corporation via certified mail on XX/XX/2023, XX/XX/2023, and XX/XX/2023. Claim number [ XXXX ] was filed with the FDIC on XX/XX/2023. Claim number [ XXXX ] was filed with the XXXX XXXX XX/XX/2023.
08/30/2017	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TX 77074	Web
On complaint XXXX I have received a letter from TitleMax stating they sold the vehicle and there was {$1600.00} SURPLUS and the letter states that a check is enclosed- there was no check enclosed, therefore I have n't received the surplus amount. I have called TitleMax on X/XX/2017 and they say they ca n't find me in their computer system and a manager will have to call me back. This is unacceptable. The letter clearly states at the bottom that a check is enclosed and yet no check was received and NOW they say they ca n't find me in the system.
11/10/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 304XX	Web
My brother was contacted and was told that if I didnot come pay my debt or bring the truck in that criminal charges would be taken. My brother was used as a reference but I NEVER gave permission to anyone to discuss my personal debt with family members. This is embarrassing and is a direct violation of Code 804 ( 2 ) and Code 805 ( 3 ) ( c ) in [ 15 USC 1692b ]. The last time I was contacted was XX/XX/XXXX. I told them where the vehicle was located and that 's the last time I heard from anyone until my brother told me about this incident today.
05/17/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AZ 85719	Web	Servicemember
I received a {$1700.00} loan against my car. I told the rep I only get {$200.00} in child support and am NOT working! He said that he would make sure the payment was {$100.00} a month or less! I was told to electronically sign the screen, which I did, and that he would get my rate! He said he did but refused to give me any paperwork! He said it's all done electronically and that I could view it online. I've called over and over and still don't have access. I'm now being told my payment is over XXXX a month,!!! This has to be illegal!!!!
04/15/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	OH 44134	Web
The company called from XXXX, stating that I owed around 1200 in a loan from Instaloan that I never applied for and threatened to take legal action. They stated that I received a loan in the amount of {$500.00} deposited into a XXXX account that I never had. I called Instaloan and they have no record of me and stated that I would have to live in Georgia or Florida. Which I live in Ohio and have always. The loan was supposed to be taken out in 2014. I have never applied for a loan from Instalaon and now people are scamming the public.
04/15/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AZ 85015	Web
I called Title Max today to negotiate a new payment arrangement. I have been unable to pay on this loan for a few months. We have been struggling financially for several months. I tried to offer {$25.00} each week ( this is all I can afford ). She declined to take any payment from me and asked me to pay my normal amount {$700.00}. She stated there is no collection agency attached to this and they are handling it. She confirmed 2xs that she is REFUSING take any payment on my account. All I want to do is start paying something again.
04/01/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30058	Web
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
10/02/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	IL 61820	Web	Servicemember
I was out of town when my payment was due and received phone call when I returned. XXXX of XXXX is spoofing a XXXX XXXX XXXX phone number. I had declined that number several times as I have no business with XXXX XXXX XXXX. The XXXX agent never left a voicemail. But becoming frustrated with calls from " XXXX XXXX XXXX '' I answered and agent introduced herself as a XXXX Agent. I don't agree with this practice at all and believe it to be fraudulent. I would have answered the first time if the caller id was identified correctly!
11/03/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	MO 645XX	Web
I took this note out XXXX 2013 in the amount of {$1300.00} to help my son out. As of today I have paid in {$6800.00} with a balance of {$770.00} remaining. I was told this was a two year note and as you can see it has been 29 months. I was also told that my due date had been changed to the XXXX of each month only to find out yesterday that it was not moved but I have been receiving late fees each day I am past the XXXX of the month. I have requested a copy of my contract from TitleMax and hope to have by the end of this week.
11/04/2020	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	FL 344XX	Web
Went to instaloan on XX/XX/XXXX with my XXXX XXXX XXXX to obtain a XXXX $ loan, was approved and given a debit card for the funds, after paying back approximately XXXX $ towards the loan, I borrowed XXXX $ and they started my payments again at XXXX $ a month for a year, spoken with instaloan to see where my XXXX $ went, and they will not send me a print out of my history, they just want to repossess my truck, which by the way is not running, based on another complaint I have with you, Thanks for any help you can do.XXXX XXXX
05/06/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX XXXXX	Web
I was told I would be able to pay off the loan in monthly installments and I have been but my balance hasnt decreased only increased with every payment. I should have already paid the loan off but I own more than the amount of the original loan. I dont understand where my money is going monthly. The loan wasnt broken down to me as far as how the payments would be applied. My pay at work has decreased dramatically and At this rate I will never be able to payoff the loan and May end up losing the first car I have ever owned.
11/17/2021	No	Payday loan, title loan, or personal loan Title loan	Was approved for a loan, but didn't receive money	MO 630XX	Web
Title Loan was taken out on a XXXX XXXXXXXX XXXX XXXX. The check for {$4200.00} was hard to cash. No store would cash it. Title Max arranged for XXXX XXXX XXXX to cash the check. A stop payment was made by Title Max due to a duplicate deposit. Title Max refuses to fund XXXX XXXX XXXX with a new check to cover the {$4200.00} one cashed at their store located in XXXX Missouri. XXXX is requesting payment as well as Title Max. Title Max refuses to look into the matter and continues to try to collect on an unfunded loan.
06/28/2023	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	TX 79932	Web	Servicemember
Title Max on XXXX XXXX XXXX XXXX, Issued a title loan to me, a consumer. When I reviewed the loan terms and ran a credit check. Title Max offered me XXXXXXXX XXXX on a XXXX credit score accepting loan terms of 17 % interest. After my amount would be leaked on the dark web by Titlemax. Paying my title loan TitleMax employee mentioned if I gave XXXX XXXX on my first payment. '' My interest would drop dramatically. '' Looking into the terms of the contract that stated I would pay 198 % APR on my title loan of XXXX XXXX
11/09/2019	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	CA 92124	Web	Servicemember
my wife is took out a title loan one month before she went to bootcamp for XXXX we been paying it and interest rate is huge XX/XX/XXXX they repo an XXXX service member car ( my wife ) without a court order we had no notice of repo and the lady XXXX at XXXX title max would not help we owed XXXX $ left on loan. technically titlemax can not give loans to militay I wan na know if we can use SCRA or MLA benefits and go after titlemax for the interest rate they gave us and the money we spent getting car out of impound
02/17/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	GA 30316	Web
We have been paying this loan for a year now and still have the same balance as we did when we began! We understand that there is interest but it seems grossly unfair that none of the payments we made have been applied to the principal. We got this loan during a very rough time and were told later that it is not really a " loan '' but a " pawn ''. We seek justice in this matter and would like to be released from this " pawn '' and for the debt to be considered satisfied as we have paid the loan off more than twice.
03/07/2017	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	TX 77074	Web
I was given a {$5000.00} title loan from TitleMax in Texas on a vehicle worth {$17000.00}. I recently became XXXX and could n't make the payments, called TitleMax and informed them of the illness, and they told me they would not repossess the car. I woke up this morning and my car was gone. Upon filing a police report, I was told the car was repo 'd. XXXX was the company that repo 'd the vehicle from a gated, secure parking lot last night, XX/XX/2017, which they had no permission to enter from the leasing office.
07/02/2020	No	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	TX 75604	Web
Titlemax claims they haven't received a payment that cleared my bank on XX/XX/2020. I had made the payment on XX/XX/2020 and tried to stop payment because I was broke, but I was unsuccessful. Titlemax still received the payment, but they are claiming my bank is withholding the payment due to fraud. Today I went to my bank and got proof of payment. I was trying to pay the loan off and get my title back, but they refused to let me pay it off and get my title back, stating they have still not received the payment.
10/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TN 37129	Web
I called Title Max and spoke to an employee. I asked then do they do credit checks and was told no. So I went to the actual store found out the application and still I asked do you do a credit check no answer I was never told that they did one. And when I got home my credit was hit for XXXX points. And I did not get the loan which is no problem however they did not disclose it they were going to do a hard hit on my credit and I'm trying to rebuild it and it is less now than when it was when I filed bankruptcy.
07/31/2023	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 761XX	Web
I got a title loan at tittle max almost a year ago you never can pay on the loan u just have to pay it off then everyday you are late the fees pile up I have been paying XXXX plus dollars for XXXX months on XXXX loan you have to pay the loan out in 30 days I got the loan in XXXX of 2022 here XXXX still paying I can sleep at night thing my vehicle will be gone I so worried I would like to have this cut down done I will never pay this off this was a horrible mistake now I stay i debt every month trying to pay
06/22/2021	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	VA 245XX	Web
I paid my loan off in XX/XX/XXXX. My local store shut down and all titles from TitleMax were supposed to be sent to Corporate Office. I have been in contact with them and they say they have not received my title. Almost like my title is somewhere lost. Theyre providing me with false information, stating that I spoke with someone yesterday and my last call to them was on Friday. I never called them yesterday.. at this point Im very frustrated because I have a car that I need to sell, but dont have a title for
03/10/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	CA 91107	Web
I have fully repaid the loan I received from this company. The company will not release the debt. Actually, I have triple repaid the full loan amount and the company insist that the full monthly payments of {$510.00} be made. I obtained a loan in the amount of {$5000.00}, XX/XX/2015. The monthly payments were {$510.00}. I've paid a total of {$15000.00} which is three times the amount I borrowed. I am struggling to make the payments and the company refuses to take an extension or let me make partial payments.
05/07/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AL 36116	Web
I did a title pawn with Title Max the end of 2021 I been paying them for over a year the interest is {$320.00} a month I only pawn my title for {$2500.00} with the interest they charge me I know I have pay the {$2500.00} back but they are still holding my title saying in order for the interest to go down i got ta pay over the interest rate that is crazy because the lady did not say that when I pawn my title I been getting played in my interest is still the same I really need yall help before I lose my car
03/20/2022	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	DE 19713	Web
I have tried contacting title max in XXXX Delaware and they are nasty people!! I wasnt even a month late on my payment they called and XXXX me telling me my car was on the look out for their third party towing company this company needs to be shut down! They arent willing to work with me for a payment plan! The interest rates are out of control! Im not getting into detail not knowing if Ill ever be contacted!!! I also want my payments on hold UNTIL THIS IS RESOLVED WHICH MEANS THEY CANT COME TAKE MY CAR
12/26/2019	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30296	Web
Under 12 USC 83 no bank can loan credit. Under 15 USC 1692 when consumer disputes debt a cease and desist from collection of the debt until verified. A request of securization analysis report only to prove the debt owed and proof the credit came from TitleMax and they were not just acting as a trustee to a deceased estate. All responses not done by affidavit only will be rejected as false and default with a notice of settlement for the inducement of fraud by non disclosure of where the money came from.
06/24/2021	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	VA 22304	Web
I had a lone from TitleMax which is paid off about a month ago and asking them to send me my title in the mail and they agreed its been another month l have not got my title back l tried to call them several days and telling me that it takes three weeks now I have been told for the third time another three weeks so Im helpless to get my title since then they are not answering my phone call or telling me what to do to get my title back. Please..l believe I can get help from you to solve this problem
09/30/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 31405	Web
I had an account with XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. While having this loan I was called at least XXXX times a day, they would call my job and everyone of my references. The interest rate went from 29 % to 110 %. I could n't understand this at all and I do n't think thats legal. I had to finally file bankruptcy to get them to stop harassing me. my payments went from XXXX to XXXX a month. How am i suppose to ever pay this off. My name is XXXX XXXX My telephone number is XXXX Thank you for listenng
01/27/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	FL 33432	Web
I applied for a loan to improve my credit score. I opened a vehicle refinance loan with Instaloan. The loan interest rate is 57.4 %. I did not realize how high the rate was going to be. I also did not know my payments would not reduce the principal loan amount, it covers interest only. In addition I can not send payment by mail. I must physically appear in the their office to make a payment. The office is an hour away. I feel I was taken advantage of because the rate, payment and payment system.
08/24/2022	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	FL 33404	Web
I got a title loan in 2020. I was NEVER told the loan needed to be paid in full within 30 days. Needless to say I have been making payments on this XXXX loan for over 2 years. I pay over 200 per month and they make me " sign renewal forms '' every month. They told me I would make monthly payments on paying it back NEVER saying within a 30 day time frame. I have paid OVER 5000 $ $ on a XXXX loan so far. I can NOT afford to pay the lump sum. The APR Is XXXX XXXX. What can I do? Is this even legal???
05/19/2021	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	FL 32547	Web	Servicemember
The insta loan payment app makes no sense says payment due to renew on a particular date XX/XX/XXXX is XXXX dollars a week later the same thing says to renew on the XXXX is now XXXX it changes day to day but is worded in a molesting way. I have since been put in leg braces due to my XXXX. I have for days told insta loan that I would relinquish the car to them with no answer. I found this odd since they would start calling for payment a day before my due date and 2 to 3 times a day on the due date.
03/11/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	VA 238XX	Web
Starting XX/XX/XXXX, I contacted the corporate office about the local stores collection procedures. They had the director assign One rep to collect partial payments. This was done, ok until XX/XX/XXXX, a new manager tried to impersonate the assigned rep. After, the assigned rep has refused the payment plan and refused providing contact info for reg director, I believe they have caused erroneous charges in interest and fees putting my one vehicle for a XXXX person in jeopardy of being repossessed.
05/05/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TN 380XX	Web
I am having issues with TitleMax I have been charge excessive fees and when I make the payment due it's ate up in fees. I was give a opportunity to borrow on my loan and that option is gone. I feel that I would never get loan paid off with all the fees. I feel like I paid more than I owe already because of fees and 1 month was almost close to not making a payment and was told that need to make the payment or my vehicle will be repossessed. Most recent I have had some flexibility but not always.
03/31/2015	Yes	Payday loan	Charged fees or interest I didn't expect	GA 30157	Web
I got a loan from Instaloan in XXXX around XXXX XXXX, and each month I make a payment to them the payment goes up and none of the money I pay is going through what owe them. My payments are XXXX when I pay that I still owe them XXXX I told them I do n't understand why none is going through what I borrowed and I was told I had to pay them more in order for my balance to go down. So the following month they said my payment was XXXX again none went on the amount at all. What can I do about this.
07/26/2019	No	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	CA 95020	Web
TitleMax of California/TitleMax wrongfully repossessed my vehicle. I satisfied them with all the documentation they requested proving that they wrongfully repossessed my car, along with the certificate of title I received from the DMV and they still will not return my car. They have further delayed the return of my car by filing a fraud claim with the DMV. They have cause me mental and emotional distress for their wrongful repossession on top of car rental fees during this investigation.
01/09/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	GA 30253	Web
XXXX : XXXX XXXX XXXX XXXX My husband and I purchased the vehicle mentioned above from a 3 party dealeXXXX XXXX XXXX XXXX. XXXX XXXX purchase the vehicle from a auction. This vehicle was repossessed from the owner, by the lien holder XXXX XXXX. However, there was a 2nd lien from XXXX. XXXX and XXXX from the XXXX store who stated I would have to pay the loan. I have no associate with the original owner ( XXXX XXXX ). WE NEED TO GET A TAG AND REGISTER THIS VEHICLE FOR OUR DAUGHTER.
12/15/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IL 60623	Web
In XXXX 2014 I was in need to pay my rent, so I went to Titlemax and took out a title loan so I would n't be evicted from my apartment. I fell on hard times looking for employment and again it took me months to gain emplyment. I constantly made contact with Titlemax letting them know my situation and still my car was reposessd and sold at a auction. My feeling is this company prays and make no compromise to the individual who is making an effort to pay. I was n't given a chance.
05/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 766XX	Web
title loan through titlemax XXXX tx. i have XXXX loans with them and have paid back more than i borrowed and still owe the amout i borrowed. i have been home with XXXX XXXX XXXX on medication that will not allow me to drive. they keep calling and i keep explaining i have very XXXX XXXX XXXX and cant drive. they told me after they added another XXXX XXXX dollars as a fee that i could have sent someone to pay it. they keep calling and harrasing me and im very sick. they dont care.
07/09/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30324	Web	Servicemember
Signed up for title loan in XX/XX/2023. I have paid XXXX on a loan of XXXX. I still owe the original XXXX. I asked how much they were charging on this loan and she said around XXXX I asked twice XXXX XXXX XXXX XXXX my balance not going down now Im concerned. The website to pay my loan isnt working nor the app. Please help me. They use to call to offer me extra money all the time now I havent spoken to anyone in a few months.title max XXXX XXXX XXXX XXXX. This was with TitleMax
09/21/2016	No	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33712	Web
I Went To Pay On My Loan That I Borrowed From instaloan On XXXX/XXXX/2016 For My Car, When I Got Done Making A Payment On My Car The Vocher They Gave Me Said My Next Payment Would Be {$71.00} And The Balance Would Be {$870.00} But When I Went To Make That Payment On XXXX/XXXX/2016 They Said That Was Wrong And That My Balance Is {$960.00} And My Payment Is {$170.00} So I Think The Are Using Me To Get More Money Out Of Me, And I 'm Sure I 'm Not The Only XXXX They Doing This Too.
03/05/2022	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AZ 85208	Web
I went to XXXX XXXX XXXX with my puppy and rabbit in the car and went to leave and my car was gone. The tow truck driver saw my dog in the car and still took it. When I contacted him he was very rude and told me that I couldn't get my things out till Monday and if I didn't shut up and listen to him he would take my babies to the animal control. I owe XXXX on the title loan but at the time am having a very hard time because I have XXXX XXXX that are impeding into my life. ....
02/24/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 301XX	Web	Servicemember
I have haXXXX XXXX XXXX XXXXns since my husband was in the XXXX XXXXXXXX, title max XXXX Ga, I have paid one off and then they extended my most recent XXXX at XXXX a month I owe XXXX and they said nothing I pay goes towards the interest. They said when they ran my social it didnt pop up I was a military spouse however I am and I am currently living on base out of state I have reached out to try to figure out an agreement but I am told if I dont pay they will take my vehicle.
03/10/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 78418	Web
I'm not the smartest man. Titlemax told me to make payments and I did. Now, after making the XXXX monthly payment their app said to make, they are telling me I have to pay XXXX now or they will take my car. I asked the employee that called me if there was anything I could do. She told me they can only help if I pay the amount. I don't have XXXX dollars to renew the loan. I thought XXXX a month was my payment. I can afford that. I can't afford to pay XXXX to extend a loan.
11/14/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 33603	Web
A debt validation letter was sent to the company INSTALOAN/XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. The letter was sent on XX/XX/2021 and received on XX/XX/2021. A follow up debt validation letter was also sent out on XX/XX/2021 and received on XX/XX/2021. As of today, XX/XX/2021 I have not received the correct information to validate this debt. The company has failing to validate this debt but is still reporting the account on my credit report.
12/19/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	AZ 85234	Web
I paid XXXX XXXX on the loan, had paid in full many loans with XXXX XXXX. Had called XXXX XXXX for a settlement ; he said he was waiting for a figure from his supervisor XXXX XXXX. No letters to collect were ever sent to me. On XXXX-2018 XXXX XXXX arranged to have my XXXX XXXX repossessed. When doing so XXXX XXXX 's repo company/vendor with XXXX caused destruction toward my vehicle and stole items out of it. XXXX XXXX will not take responsibility for the damages.
05/05/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 30038	Web
We had gotten a loan from titlemax in XXXX ga we only had gotten a XXXX dollars loan and it seem like we haven't paid the interest down we still owed XXXX dollars but our payment was {$350.00} and it seem like anytime you left you have to restart loan all over again which is a rep off So they came and got the car now they want us to pay almost XXXX dollars to get back and none of that was in agreement, please look into it's the title max in XXXX ga XXXX XXXX XXXX XXXX
05/08/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30286	Web
On XXXX XXXX i received an XXXX loan from TMX finance of XXXX, Ga XXXX from an employer that i formerly worked with, i recently filed a complaint that said the company made no wrongs. knowingly giving a recent employee an loan is not acceptable. the car was sold at an recent auction, i made an attempt to pay the loan an i have proof that i attempted to pay the loan by bill pay from my bank and was told that they could not accept my first payment. XXXX XXXX XXXX XXXX
01/10/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	IL 62040	Web
The repo man can and got my car he moved my car dolly and XXXX ski but he did damage to my car dolly. And now they are at thier lot with a service truck disabling and making a key to my car. I have video where he was moving my car dolly. He also threatened me say it's his car and he is going to get it from the the company and I will never get the car back. I made a report on the damages on the dolly. And looks like behind the fence he damaged my bumper on my car
06/02/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 76708	Web
My bill about {$450.00} & due XX/XX/2033. I pay {$250.00} XX/XX/2023. I tell them my check doesn't come till XX/XX/XXXX. It's now XXXX XXXX my bill is {$450.00} now. There is a 10 day late fee of {$30.00} or 5 % charge. They keep hitting me with this major late fee charge. Which leaves me no choices but to borrow more to pay that off. Because my checks fall on the following week. I'm supposed to being paying {$250.00} twice a month so I can pay off loan early.
09/09/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 77511	Web
I signed for a loan with TitleMax ( XXXX ) XXXX XXXX XXXX XXXX. XXXX, TX XXXX In XXXX 2016. I am no longer employed and can not pay on this title loan. TitleMax calls me mutiple times a day leaves messages sometimes and other time says nothing. This has been going on for two weeks now. On XXXX/XXXX/2016 TitleMax called my brother asking questions about me and did not identify who they were. I am stressed out and can not sleep at night due to this company
05/31/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AZ 85392	Web
I went to Titlemax to borrow {$1500.00} against the title of my car XX/XX/XXXX. I was given {$3100.00} and now I owe {$15000.00} in order to satisfy the loan at 100 % interest, from what I am gathering online this interest rate is exorbitant and well above the legal maximum allowed. I also had another title loan in XXXX of XXXX with the same company where my Vehicle was repossessed by them, they charged illegal exorbitant interest on that loan as well.
12/28/2016	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	TX 77511	Web
TitleMax states that they sent by certified mail, a " notice of our plan to sell property '' regarding information about the sale or redemption of the vehicle. I recieved nothing regarding this and will request proof at trial. TitleMax states that regarding their recovery vendor listed items in my vehicle as " pens '' only. That is false. Your recovery vendor is dishonest and fraudulent, and this will be added to the lawsuit for theft of property.
12/22/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted me after I asked not to	TX 78758	Web
Myself and the staff at my job have ask them to stop calling the work phone after they have call 5-10x in one day\ in less than 10 seconds apart. You ask who they are and they get really rude and aggressive. After explaining to XXXX at Web-cash that we ca n't accept any personal calls at work he became even more aggressive. I 've explained that i ca n't talk about person business at work. and I 'm not even sure if I 've ever had a loan with them.
10/28/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	VA 201XX	Web
My cell : XXXXcalls with the same message multiple times over day for a debt I do not have. I have no business relationship with titlemax. Calls : XX/XX/XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX and XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXXXXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX This is only XXXX. Has been going on for many months
07/10/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 305XX	Web
I am currently 2 weeks behind on my loan with ( insta loan ) the day after i had missed my due date, they have continued to call me every single day, non stop sometimes 3 times a day. now it 's got to the point where they have came by my house and left a letter. this is getting out of hand. I told them i would pay them when i get some money up, and i had also spoke to the manager last time i went in about his employees being very rude on the phone.
10/14/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Problem with the payoff process at the end of the loan	TX 78745	Web
I have been making on time payments for a title loan over a year and the amount owed has never decreased only increased. When I make my payments on the XXXX of every month of XXXX dollars the only option that I am given is to refinance so the payment will be accepted. But the amount never changed after a full year of making on time payments. No of my payments are being credited to the amount needed to get my titles back from the TitleMax company
07/10/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	MD 211XX	Web	Servicemember
In XXXX I filed for a Vehicle Title Loan as an XXXX XXXX Military Service Memeber and Was approved. After Making the payment for Severeal months, I realized that I could not make the principal go down. I asked for relief and they informed me they couldnt because I was in the military. My Vehicle was repossed in XXXX after a military Move because my wife lost her job due to our military move, and I could not longer afford such steep payments.
03/13/2017	Yes	Consumer Loan Title loan	Can't contact lender	TX 77840	Web
I defaulted on my title max title loan and I have actively been seeking to correct it by contacting title max before repossession of my car occurs. I mailed a money order for my payment and it was returned to me. I ca n't renew the registration or sell the car and now it 's since deteriorated sitting unused and the value has depreciated significantly. I 've made several calls to take possession of the title to management with no response.
06/28/2021	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	CA 91605	Web
I received a title loan in 2019 with Title Max. I never missed a payment but when covid happened I had trouble paying some months. I lost both my jobs and title max didnt care they still added interest and I received harassing phone calls daily. I finally borrowed the money from family to pay it off because they started threatening to repossess my vehicle. Title Max is a scamming company who prey on people who are experiencing hardship
11/12/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	SC 29073	Web
I have a title loan with Title Max, actually its my third. My issue is that the terms of the loan have been changed. Initially it was my understanding that I had to be 3 months behind for them to repossess my car. Now they are saying I only have to be 1 day late on my payment. I make my payment each month. It may be late but it is paid each month. So how I am harassed and threatened with this almost daily is very upsetting to me.
12/07/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	SC 29072	Web	Servicemember
my vehicle was repossessed. but no right to cure letter was made. I checked my mail everyday after I recovered from a medical issue with XXXX XXXX recurring. their was no letter from the company office title max for right to cure. I went into the website to do a payment and I was told that the only payment to make is in cash only. the option to use check or debit card is blocked. this option is not blockable I believe
05/06/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TN 38125	Web
I borrowed {$1500.00}, on a Title Loan from Title Max, XXXX, TN, on XX/XX/XXXX. As of XX/XX/XXXX, I have paid {$2000.00} ( {$570.00} over the {$1500.00} borrowed, - in 9 months ). Yet, the Merchant claims TODAY I still OWE- Balance - {$1000.00}, requesting a total -- SUM of {$3400.00}, -effectively Interest & Fees of -- -- - {$1900.00}, on a {$1500.00} -- 9 month loan ( exceeding appx. 700 % APR ), abusing State & Federal Laws..
08/09/2023	No	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	GA 30344	Web
I on a fixed in and the loan amount is XXXX XXXX I have been paying XXXX XXXX every month for over a year and I still own them XXXX. The loan amount has not changed no matter how much I pay over this XXXX dollar amount, plus then my account was hack and I am trying to get that fixed I got a letter from them titlemax but that letter didnt keep my accounts from getting hack the hacker had all my information they got from them
03/24/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	UT 84044	Web
I XXXX XXXX XXXX XXXX XXXX vehicle Last XXXX of vine XXXX. I added somebody to the tittle and they changed the address. It was steele addressed to me but he opened my mail, forged my name and went and got a tittle loan. the y have auctioned off the truck but there has been a pleace report filed in XXXX XXXX XXXX, Utah. Its not A civil matter and im earitated about my mail being breached and athorityes not doing there job
02/27/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 315XX	Web	Servicemember
They called someone and told them I had a title loan and my payment was due. It costed me my marriage and income. they are on my recorder, saying how sorry they was for doing it, but now the damage is done. Because of this my truck is being repo by XXXX. If they would not have broke thier confindentalaility contract agreement I would have My truck paid off with them, but instead they are repossing my truck. So unfair
07/10/2015	Yes	Payday loan	Charged fees or interest I didn't expect	GA 30004	Web
The lender is Instaloan in XXXX, GA. I acquired a {$600.00} loan but was not told that if I did n't pay off the loan the next month that it would cost me {$120.00} and month per month unless the loan was paid off. So now my loan balance is {$730.00}. That is what I would have to pay to pay off the loan. So basically if I ca n't pay the loan my balance goes up each month even with paying the {$120.00} fee each month.
03/16/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	KS 672XX	Web	Older American
received first loan in XX/XX/XXXX the loan was for XXXX paid XXXX $ for 14 months till my daughter paid of the loan in the amount of XXXX had to get another loan in XX/XX/XXXX to move back to XXXX as rent was to high in XXXX XXXX TX , the loan was for XXXX $ i pay XXXX $ every month from my VA and SSI benefits and still have the pay off at XXXX. Would like to know if I can be helped in any way. THANK YOU. XXXX XXXX
05/17/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 75501	Web	Servicemember
I obtained a title loan for XXXX in XX/XX/2021 from XXXX XXXX store XXXX XXXX. I have been paying from XXXX to XXXX per month for XXXX years. I still owe them XXXX with no relief for me. I'm a retired military veteran and XXXX veteran from combat service. I was taken advantage of by all the fast talking and tricks by their sales persons. Unfair under XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Retired XXXX
08/21/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TN 38133	Web
The contract I signed to borrow {$1200.00} says that if I make my payments as scheduled, I will have paid {$1400.00}. That is {$1200.00} + interest of {$25.00} + fees of {$170.00}. I have made 3 payments of {$220.00} on XX/XX/18, {$200.00} on XX/XX/18, & XXXX on XX/XX/18. They say I still owe {$1300.00}. {$1400.00} - ( {$200.00} + {$220.00} + {$280.00} ) = {$1400.00} - {$700.00} = {$750.00}. That is what I owe.
10/13/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Vehicle was repossessed or sold the vehicle	MO 64030	Web
I've made more payments than the original loan. And my car was repossessed over XXXX XXXX short of a payment. The total balance i had to pay was XXXX to have title max release my vehicle. Thats already double the amount of the original loan. I want this account to be settled and close out and I want my title back., and that account still has a balance of XXXX XXXX XXXX and something. I've already paid double.
03/15/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	PA 19120	Web
Title Max will not give me any statements or receipts for payments made on the loan or how they accrue interest for payments. It seems I am never paid down. They lost my title and then placed a lien on the car when I demanded a full account summary and transaction statement. They are leaving me threatening voicemails to repossess my car and the balance is double what I borrowed after making payments for a year.
08/25/2016	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	GA XXXXX	Web	Servicemember
I confirm that I do owe a past due balance, along with the repossession fee. And I have waited for two weeks, but I keep being told by the branch manager that he has n't heard from his district manager yet as to the exact dollar amount I owe? My only request to resolve this matter is to be told what amount will satisfy this debt so I can retake possession of my vehicle before it is either sold or salvaged.
04/04/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 77380	Web
Received a title loan which wasn't properly explained and I didn't understand the terms and now I owe much more and they call constantly to collect money with additional fees and interest that I didn't agree to. I would like to pay off the debt, but I am unemployed and looking for work. I will soon have a job and would like to keep my car for work purposes. I am willing to discuss payment arrangements.
03/13/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AZ 85710	Web
I have been paying on a loan that was originally for {$8000.00} at {$820.00} a month for almost 3 years now and my balance is no closer than the first day from being paid off. I would like to find out my rights and have the interest rates looked at after reading that title max has been practicing illegal interest rate practices. They keep charging me insane late fees and threatening to repo my vehicle
06/24/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	CA 93720	Web
I got a title loan TitleMax, I noticed that making my payments of {$660.00} dollars monthly, only XXXX cents have gone to the principal. I called them to say it was a 17 % interest, but they said it 's daily interest. I told them it was going to be hard to pay off my loan if they have those fees, and they did not care. Is there a possibility for them to lower the interest? It 's killing my payments.
04/26/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Money was taken from your bank account on the wrong day or for the wrong amount	ME 04401	Web
On the following days I agreed to a charge of {$36.00} and have it via email : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. However, they've charged {$57.00} on each of those dates so far. I have no explanation for them charging almost {$20.00} additionally each payment date nor do I have it in writing for them to charge me this arbitrary amount.
11/22/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30296	Web
Notice of dispute, requested name and original creditor name and address, never gave the info asked, more than 10 harrasing calls after told to communicate by mail on in response to affidavit. Never sent back affidavit, send debt instrument for payment that was accepted but never returned and still claiming a debt owed with no true bill ever sent. Still calling and threaten to steal car over phone.
09/13/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Vehicle was repossessed or sold the vehicle	FL 33709	Web
I took out a title loan. I was paying every months, until I received fraud on my account. I was told to check for any data breaches. The data breach came from the company I received the title loan from. I sustained financial damage and losses due to the breach which cause me to be hind on my account by one month. The next month the same company who had my data breached, repossessed my XXXX XXXX.
02/24/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 77598	Web
I took out a loan thought Title Max was not aware I would end up in this situation. I originally took out the loan on my car to help with rent. After I seen the the interest rate it was impossible to pay back within XXXX days I asked if their was something I could do like and extension they said no and no partial payment so I had to pay with my rent money to keep my car and now facing eviction
06/10/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30114	Web
I entered into a car title pawn loan with TitleMax of Georgia for {$10000.00} on XX/XX/2013 and made {$33000.00} in payments yet I still owe {$9100.00}. I was mislead about how long it would take to pay the loan back at payments of around {$750.00} per month. When I complained about not being able to pay down the balance, TitleMax stated that they would drop the rate but it did n't help.
12/14/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Vehicle was repossessed or sold the vehicle	AL 366XX	Web
Paid half of the vehicle loan off 2 or 3 months before they repossessed the vehicle and my balance was XXXX. I was not given any information about the sale or auction of car. I received a letter stating that my vehicle was repossessed and I now owe more than XXXX but was not told what they were going to do with the vehicle and when. They did not give me any options for getting my car back.
04/25/2022	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	GA 310XX	Web
Title max illegally repossessed my car after failing to acknowledge my freedom on information request by law and failing to cancel the contract and violated 15 usc 1692e false and misleading representation they fraudulent sent mail under 18 usc 1001 they violated the truth in lending failing to properly disclose the the truth in lending act and also violated fair debt collections act.
10/10/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Vehicle was repossessed or sold the vehicle	SC 290XX	Web
Since my income has been reduced to half of what I was earning, my only option was to file for bankruptcy. I spoke to the local store. They refused to talk to me about it. They referred me to the corporate office. I spoke to the bankruptcy department and gave them my attorneys information. The bankruptcy department canceled the repossession, but my car was still taken that same day.
11/26/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	NJ 08360	Web
i make a emergency loan with titlemax to try to save my house in the amount of XXXX that is already pay, plus over XXXX on interest and they keeping calling me to take my truck away, i only recive harrasing calls from them and a tow truck around my house everyday-i aply online for a title loan in nj and they aprove but send me to delaware. i find out that title loans are ilegal in nj
04/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78245	Web	Servicemember
Debt collector coming to my house over stepping thier boundaries, excessive calls and voicemails from XXXX to around XXXX or XXXX. all the options to satfiy the loan was told to creditor and still calling and showing up at my place of resident to collect debt. Unfair business practices involving the Truth and Lending Act. Also steady changing the terms condition of the loan itself.
10/07/2016	Yes	Consumer Loan Title loan	Can't contact lender	SC 293XX	Web
Received email from lender stating that they were going to sue me and inform my employer and I was only 2 days late. Here are their words : " Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. ''
05/10/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AL 364XX	Web
I went into titlemax last year to get {$500.00}. The lady basically con me into {$1500.00} load saying my interest rate would be lower. Here I am a year later and its almost at 200 % for 125 %. Plus they make it where you can a pall your available funds by just renewing anytime. I feel like this is a predatory move bc people are struggling. Now I owe much much more bc of this.
12/12/2022	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	SC 29072	Web	Servicemember
a company called XXXX XXXX XXXX with XXXX XXXXXXXX went on the property of XXXX XXXX XXXX XXXX XXXX XXXX. damage the front yard. another person 's vehicle was tampered with and my vehicle was damaged being towed with the front wheels locked and fluid leaking from the front area. I have reported this to the companies and I have not heard back. thus needs to be fixed now.
04/24/2023	No	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	SC 29646	Web
We got the loan for XXXX the payoff amount is XXXX we lost our jobs bc of the car breaking down and issues with XXXX and our kids going through therapy our payments was XXXX a month we got behind 36 days tried to renegotiate terms before that but they said they couldn't do that and at that time we didn't owe them money because we was paid up. This is in XXXX XXXX XXXX
09/07/2017	Yes	Payday loan, title loan, or personal loan Pawn loan	Property was sold	GA 30022	Web
XXXX XXXX sold my XXXX XXXX XXXX without informing me of a sale date. They told me that they did not have to tell me who they sold the car to. I know that this is illegal. By law Inwas supposed to be given first choose to but the car. I want to rescind the loan and get my car back from the person they sold the car to.Title XXXX are crooks and they need to be exposed.
01/20/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	GA 310XX	Web
ate {$35.00} dollars. They have called me everyday for 10 days now and told me that I have no rights. They called me day and night and even on there own cellphones. I called then yesterday XXXX XXXX 2016 and the lady at Insta Loan told me that if I did have {$200.00} To her I will be in jail she was so rude to me My XXXX are falling apart ehat can I do. Thank You.
10/02/2023	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	PA 19146	Web	Older American
Was told I will receive restitution from the company because of the illegal or interest rate charges and CF pb ordered the company to deposit money into account for victims relief fund file previous complaint was told the company was out of business so I'm filing a new complaint and I'm going to upload some documents relating to the business idea with the company
04/20/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	GA 30014	Web
Spoke with a representative twice yesterday, made a higher loan payment to keep my vehicle from being repossessed and they still repossessed my vehicle. The higher fees and taxes I would like to be reimbursed for especially after already speaking to a corporate rep who assured me that if I made the additional payment, my vehicle would no longer be at risk.
03/13/2020	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30318	Web
TitleMax is calling me about someone elses dept. Someone used my name and number as a refference without my promission. I've asked them several time to do not call me because I didn't give that person promission to us me as a refference, but they still keep calling me almost everyday asking me to contact the person that owes them money and have them call.
04/20/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	SC 29605	Web
XXXX XXXX told me I owe XXXX dollars on interest fees, they said I have to pay the Interest fees, ,they change different now you have to pay it also with the payment I took out XXXX,, now Ive XXXX XXXX with no refinance are pay off taken my vehicle ( ( ( my son and the military and I took it out in 2021 there changing my contract so how!!!! please help
08/03/2020	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30324	Web
Hi, I was offered a Title Loan at 11 % interest. Ur the terms were not explained to me when I signed for the loan. They are charging me {$460.00} a month in just a renewal fee that they say only pays the interest and nothing to principle. The company is TitleMax In XXXX, Ga Their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX And phone number is XXXX
09/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	MD 20904	Web
One of the employees from debt collection company has contacted me four-time from his personal cell phone to make a payment the first two times i have asked for him not to contact me from his cell phone. He lied and told me it was his company landline I called it back and receive a cell phone voicemail. also looked the number up in the white pages.
09/07/2022	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	AZ 85326	Web
I've had three loans paid off with title max and none of which have been reported to the bureaus. I have one open now that isn't being reported to my credit either. If I default on the loan they will report it to my credit but they are not reporting any of the paid accounts or the one im.paying now which is predatory and unfair business practices
07/27/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 78748	Web
I have had a title loan with TitleMax for XXXX over a limited time period, I continue to try and catch up making payments but everyday they add XXXX to XXXX $ fees not allowing me to even get caught up.How can I possibly get caught up when Im being charged late fees so my bill went from around XXXX $ to XXXX XXXX My name is XXXX XXXX XXXX ss.
08/26/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	SC 29673	Web
Ive been paying on this loan for over two years. And its not budged but maybe {$200.00}. By this time it should have been payed off or close. I wasnt told about the high interest or paying a little more to get it down. Till after a year and I asked why is my loan not dropping. Then they finally told me and I was already in contract with them.
10/31/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Problem with the payoff process at the end of the loan	GA 310XX	Web
To whom this many concern I demand my right to subrogation as the XXXX XXXX XXXXXXXX XXXX XXXX in re XXXX and stock XXXX I appoint title XXXX as trustees to set off and settle this account at my direction to fulfill your duties as liable trustees. I demand return of my vehicle to XXXX XXXX XXXX and all interest paid in full to me as subrogee
06/12/2020	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	NV 89147	Web
I already spoke to the Title Max. The reason for this complaint is because I need a 3rd party mediator to make Title Max follow the same instructions like any other Loan Company has done and should not be treated any different. Or I won't have a car. Please forward this to anyone that can help me and many others before it's to late. XXXX
04/15/2017	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	NJ 07054	Web
Titlemax of DE illegally repossessed by vehicle from my home address in NJ. I have been unemployed since XX/XX/2017 and had been telling them to give me time to pay. They took the vehicle on XX/XX/2017 without informing me and did not give me opportunity to remove personal belongings from the vehicle. I need the vehicle to look for work.
10/05/2022	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AZ 85750	Web
I filed bankruptcy on XX/XX/12 and the company continues to call and harass me. Ive told them Ive filed and my attorney said they should call them if they have issues they keep calling me and leaving messages and call my work phone as well. My attorney says they are in violation. I tried to contact their corporate but cant get anyone.
01/07/2021	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TN XXXXX	Web	Servicemember
I had 2 loans with them YEARS ago. 1 vehicle was surrendered to them and the other vehicle was totaled in an XXXX. I communicated this to them and told them where they could go get the totaled vehicle, should they desire. They leave me a VM EVERYDAY from this number : XXXX I want the calls stopped immediately. I owe them nothing.
06/13/2020	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	FL 32309	Web
I received a title loan from Title Max in XXXX, GA. I set up reoccurring payments and was never contacted about my loan being a problem. I came out late on a Saturday afternoon to find my car towed with no notice. While I was home. With all my belongings. I immediately called and they were closed long before the time of the tow.
05/18/2017	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	IL XXXXX	Web
In XXXX XXXX I look a title loan out on my XXXX XXXX XXXX from Title Max in XXXX XXXX , IL. On XXXX XXXX , XXXX I filed for Chapter XXXX Bankruptcy. My bankruptcy was discharged on XXXX XXXX , XXXX . The loan was discharged through my bankruptcy, however, Title Max has refused to send my ti tle back.
04/29/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TN 37076	Web
I got a title loan in 2020 for XXXX dollars. I paid that off more than once. But they stuck me with almost XXXX in interest. Which caused me to lose my car. But the loan was payed off and then some. But they kept hiking me up on the interest. I feel like I deserve to get some of the XXXX $ back that I paid for on a XXXX $ loan.
09/02/2016	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	XXXXX	Web
Title Max of Texas, Inc. d/b/a Title Max, XXXX XXXX, Texas I have paid over XXXX dollars for XXXX loan to there company because XXXX a month was a lot for me just for interest. They have towed my car twice and vandalized and stolen the contents. The contents were all of my Identification to legally enter the XXXX XXXX XXXX XXXX
03/11/2019	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	FL 33311	Web
I borrowed XXXX they asked for XXXX back which was fine but I'm paying XXXX just to renew the agreement that doesn't get credited at all just XXXX to sign paper work stating I still owe XXXX I have paid XXXX for almost 6 months that's alot just to renew it doesn't take anything off my balance I'm a single mom this is ripp off
09/24/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NV 89031	Web
TitleMax, with whom I have never done business, won't stop calling me about some stranger 's debts. They have the wrong number. Telling them doesn't stop the calls nor does filing federal complaint -- last complaint number I noted XXXX like all the other calls and complaints assure me they will stop but they are at it again.
10/05/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	TX 76114	Web
got a loan to get transmission on vehicle replaced used my title as collateral interest to renew monthly is XXXX that does not touch principle only renews loan for 30 more days and no repossion of my vehicle i recieve ssi monthly and am drowning because i have been paying for a year now and feel like i have paid it in full
08/30/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	GA 30116	Web
XX/XX/XXXX I started a title loan and was told that my payoff amount would be XXXX. It is now XXXX and my loan is still active and says I owe XXXX more dollars. I have given this company over XXXX dollars and when I call to explain this to them they say its fees. However they can not explain where the fees are coming from.
08/04/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32246	Web
XXXX XXXX To Whom It May Concern Equity auto loans llc The debt collector is not licensed in the state of Florida, they are violating the FCCPA and in turn violating the FDCPA. Each violation carries a {$1000.00} statutory damages provision for each violation. Please remove this information from my credit report Thank you
05/18/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 76010	Web
Took out a title loan in XX/XX/2022 to help relocate. I lost my job and got 6 months behind and was homeless but still made arrangements. As I was moving into a stable residence, my car was repossessed in the first day of work & they refuse to tell me where my car is and it has moving boxes in it and plus it barely runs
01/15/2021	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	MD 21701	Web
In XXXX of last year I took a twelve month title loan with XXXX XXXX of XXXX, VA for {$3300.00}. I made a payment per month for each month since totaling {$1800.00}. Over half of the loan amount. As of this morning the website says I owe {$3300.00}. Payments of {$1800.00} brought the loan balance down only {$9.00}.
04/08/2017	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	AZ 85120	Web	Servicemember
Interest Rates that were based off of inaccurate information on a loan that I had paid in full the first month of having the loan. In addition to this, nothing was said about my current military affiliation.Currently I am a service-member the interest rate is unfair and unethical. I am at risk now of losing my vehicle.
10/14/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MO 65301	Web
Title max, Repeatedly called my number since XX/XX/2020. They are looking for a XXXX XXXX, I have repeatedly told them I am not her and to please stop calling. They have told me numerous times they would take my number off the list and have not done so. They continue to call abput every day, sometimes twice a day.
06/16/2023	Yes	Payday loan, title loan, or personal loan Pawn loan	Charged fees or interest you didn't expect	AL 350XX	Web
I took out a title loan, I kept reborrowing, I thought the large payments of around XXXX were gon na go towards principle. It's all interest. If you pay before the maturity date, it only pushes your payment back.I fell on hard times when I had a loss of income.It was a really desperate decision. I feel trapped.
12/01/2017	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	NY 148XX	Web
After making two payments the principal amount of the loan has not gone down. I feel I have been deceived because XXXX requires a new loan with each payment and the amount of payment I am scheduled to make does not get applied to the principal amount of the loan making it impossible for me to pay off the loan.
06/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89119	Web
TitleMax has been calling me several times a day for the last 8 months trying to collect a debt. I have never had an account with them and have asked them several times to stop calling because they have the wrong number. They always agree to stop but still continue. The number they are calling from is XXXX
03/25/2015	Yes	Payday loan	Payment to acct not credited	GA 30350	Web
Insta Loan, XXXX XXXX Ga, PROMISED me they would report my payments to the credit bureaus but never have. Their manager still contends they are reporting it but I have never seen it on my credit reports and XXXX says they have not. Insta Loan FALSELY gave me information under pretences to get my business.
07/14/2023	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 79928	Web
I received an {$1800.00} loan from TitleMax XX/XX/XXXX. I made {$380.00} in payments every other week which were automatic withdrawals and a couple manual payments. Today, XX/XX/XXXX my loan is now owing {$1800.00}. How can it be you paid more than the amount borrowed and now owe more than you borrowed?
06/01/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 31520	Web	Servicemember
I've sent repeated emails trying to contact this company. I notified them of my veteran status, yet they continue to charge the 152 % + in interest. I've filed for bankruptcy, and have had to seek help from VA because of XXXX XXXX. I am trying to call, and no one is responding to my calls or emails.
04/19/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX XXXXX	Web
I took out a loan with Titlemax but the amount I'm being charge doesn't match what I was told and the paperwork I signed. The interest fees are higher and each month it's a different amount. Also my information was apart of a data breach and I do believe my information has been share to hackers.
04/09/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	KS 672XX	Web	Older American
made a complaint on XX/XX/XXXX was called by a rep on the XXXX who said i had to pay them XXXXXXXX XXXX for a pay of, i told them I did not have that and he said I had till the XXXXXXXX XXXX XXXXXXXX to get it. I have already paid these people over XXXX XXXX for a loan less than 2000 .
10/09/2022	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AL 367XX	Web
I have a title loan with title max. After reviewing my state pawn contract, I noticed the principal amount was incorrect. I'm paying {$250.00} monthly interest. According to the pawn ticket, the principal amount is {$1700.00}. This is incorrect. I borrowed right at {$1000.00} TOTAL.
06/13/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 751XX	Web
TMX has neglected to respond to the claim of the failure to disclose 16 CFR 433.2. Their response was carefully chosen as to not have to address the fraudulent and deceptive business practices. Therefore, this issue is not resolved and should not be considered satisfied or closed.
02/24/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	MO XXXXX	Web
I received a XXXX dollar loan making XXXX dollar payments and the balance goes nowhere but higher they expect me to pay 102 % interest XXXX dollars for XXXX total redicluos and should be against the law I can't afford that kind of money how many other people are they XXXX over
10/29/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX XXXXX	Web	Servicemember
I initially took out the Title loan on XX/XX/2018. I was lied to about the fees, the amount to be paid monthly, and the payoff process. I thought I was getting a 6 to 12 month loan. NOT A 30 DAY LOAN!! THEY FLAT OUT DECEIVED ME. DECEPTIVE TRADE PRACTICES FROM START TO FINISH.
04/19/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AL 365XX	Web
I fell on hard times and went to TitleMax. I borrowed {$800.00} from them in 2021 in exchange for my car title. I've paid over {$3000.00} and I have to pay more than {$1000.00} to release my title. I called and wanted an explanation of why it is paid off. She hung up on me.
01/02/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	FL 33311	Web
I borrowed XXXX was supposed to be charged XXXX to pay back I been paying XXXX a month to renew agreement the balance stays the same until I have the whole XXXX the XXXX is just they money to keep its killing me it's not fair nothing comes off unless I have the whole XXXX
08/28/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	SC 29532	Web
I couldn't afford the title loan anymore when my car died at XXXX. I called several times and asked them to collect the car, that I couldn't pay. XXXX at title Max in XXXX keeps calling threatening jail and told me " not to drop the soap ''. They call daily with threats.
03/29/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30012	Web
When making payments they are adding interest back on balance which is n't bringing the balance down. When I confronted them they it was their normal accounting procedures. I do n't see how a loan can get paid down if interest is added back to balance each payment.
08/03/2015	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	TN 373XX	Web
I have told title max repeatedly that I am not being paid my paycheck on time due to having to wait for the government to sign off on our commission. I work for XXXX..and yet they have still been calling XXXX and sometimes XXXX times a day filling my voicemail box.
06/07/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TX XXXXX	Web
I was making monthly payments of over {$800.00} on a {$5000.00} loan only to realize that it did not effect the balance. It only renewed the contract and extended the loan. At this point I fail so far behind I never was able to catch up and my car was repossessed.
02/25/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MO 640XX	Web
Loan amount {$500.00} taken by me on XX/XX/23 No explanation of the Finance charges {$1800.00} or Annual percentage rate XXXX % by a representative I was just told to sign the forms. I later realized this annual percentage rate was not normal for personal loans.
09/03/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 306XX	Web
I took a title pawn out with this company 5 years ago and I'm still paying. The loan payments became higher than my mortgage payments. I asked would it be possible to lower the payments or let me pay it off for 50 % of the balance and the store manager refused.
10/26/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	FL 33544	Web
I got a loan with instaloan they are in partner with TitleMax super high interest rates, scaming people all over the world very sketchy contract high yearly rates I like this contract terminated, and they should be out of business I appreciate your time today.
03/07/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	TN 37086	Web	Servicemember
Employees, at the XXXX TN location repeatedly use very aggressive and threating tactics to collect a debt by threating customers with with the repossession of there vehicle, not working with them and be little them in front of other customers and employees.
10/12/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	FL 321XX	Web	Servicemember
I borrowed {$900.00} from instaloan on XX/XX/2014. After making payments in the amount of approximately {$1200.00}, I ended up owing more than the original loan, I owed {$1000.00}. They've found a loophole to rip people off. They need to be closed down!
07/15/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	NM 87002	Web	Servicemember
Ive payed over XXXX for a XXXX loan in almost 3 years & theyre saying I still owe more and I cant afford this anymore its hurting me so much financially! Came to a settlement & later was told that there is no settlement & that there is still a balance!
06/28/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	KS 670XX	Web
I have advised the company that I am unable to make the payments and that I am working with a debt consolidation company and to contact them with the attorney that is also working on my debts. They continue to call me everyday or every other day.
06/03/2021	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	IL 605XX	Web
I took a loan for XXXX I pay XXXX and my balance is still XXXX is not right please I need help the place is title loan phone number is XXXX XXXX XXXX or XXXX XXXX. I know this place is doing things illegal please can you guys do an investigation?
10/19/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	PA 19146	Web	Older American
Did a title load with XXXX XXXX alone parent company TMX LLC was too I will be receiving restitution because the company was based in XXXX and I live in XXXX and it was illegal to do business with people who live in XXXX as far as title loans
05/18/2023	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	TN XXXXX	Web	Older American
I took a loan with TitleMax in over a year ago and they keep going up on my payments is not showing anything on the principal the loan was for {$1200.00} it hasn't gone down at all I've been making payments every month since I took out the loan
12/30/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	GA 30728	Web
I got a title loan for XXXX on my XXXX XXXX well then we lost work and I didn't have the money but one day I got a check in the mail so I called to py it off I only had XXXX but they refused to Take said I had to have XXXX I need my title back
02/09/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	SC 292XX	Web
Tittle max continues to call my work and personal cell phone to collect a debt for someone I do not know. Every time I ask them to stop calling and explain this, they say they will remove the numbers. This is the 4th time this has happened.
07/23/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	PA 19146	Web
Yes I'm trying to find out what should I do because I found out TitleMax had made a settlement but everybody that did business with them and I did business with them so I'm trying to find out if I need to do anything to get restitution
10/21/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 92154	Web
ATTEMPTED TO GET A TITLE LOAN BUT DID N'T FOLLOW THROUGH AND THE LOAN WAS NOT FUNDED, YET THEY REPOSSESSED THE CAR. I NEVER RECEIVED ANY MONEY FROM THE COMPANY AND YET THEY STATE I OWE THEM XXXX DOLLARS IN ORDER TO GET MY CAR BACK.
07/28/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TN 38125	Web	Older American
I 'm trying to resolve my balance with Title Max of Tn in XXXX, TN,. They are refusing to work with me to work out a payment and settlement amount on the debt. They have stated on several occasions that they would repo my vehicle.
01/30/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TN 38125	Web
I took out a loan of {$2500.00} in XXXX I have been paying on time, large amount and owe more then I took. They charging monthly XXXX dollars for customary fee and was not told that it would be on my loan just interest.
09/06/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	GA 301XX	Web
I took out a title loan with TitleMax in XXXX, and Im still having to pay for that loan as of XX/XX/XXXX. My balance has continued to fluctuate and Ive paid more on the payments that were due while making each payment.
12/29/2017	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	IL 60466	Web	Servicemember
Got the loan back in XXXX of last year not realizing there was a military lending act that prevents that and I am currently out of the XXXX now and interest has built up to the point where they threatened repossession.
02/25/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TN 378XX	Web
I have payed a total of XXXX already on a XXXX dollar loan and still owe another XXXX for some reason wasnt aware of all the extra fees and that only a small portion of the money went to the payment of the loan
09/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30297	Web
I spoke with someone from XXXX XXXX about accounts on there consumer site that does not belong to me anymore that was discharged from my chapter XXXX.. preventing me from trying to open an account...
10/02/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	CA 92335	Web
I try to pay off my loan every payment of {$500.00} dollars I still not reflecting on my account the amount they I own still the same. Title max is not a transparent with their customers is fraud
12/09/2015	Yes	Debt collection Payday loan	Communication tactics Called outside of 8am-9pm	NV 89110	Web
Title Max has called me before XXXX on XXXX separate occasions. I spoke with them to let them know that they were not suppose to contact me before XXXX or after XXXX. But they still did it anyway.
09/12/2023	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35211	Web
I have called InstaLoan multiple times and sent the company emails due to a charge off that is not mine. I have never used this company and I want it removed from my alternative lending report.
11/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 34472	Web
XX/XX/2015, paid car title loan off for deletion still showing up on credit as a bad debt. When I paid they were suppose to delete the account from the XXXX Credit report still not deleted.
06/11/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 314XX	Web
on or about XX/XX/2014 I borrowed {$800.00} from a tilebucks own my car title.I made all payments on time..Upon adding all payments made to titlebucks, it came to a totlal of over {$2000.00}.
01/28/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	IL 62040	Web
I made a complaint already but I don't know how to add it but I went to get my stuff out of the car when it was repoed and I have stuff missing out of the car and they did damages to my car
08/25/2022	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	SC 29910	Web
XX/XX/2022 {$10000.00} Paym ent {$1200.00} Interest rate is like 400 % So I could be paying back {$40000.00} t0 XXXX for borrowing XXXX The company name is titlemax in XXXX South Carolina
09/01/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	TX 76051	Web
The monthly installment fluctuates between XXXX to XXXX. It never seems to go down. I've been paying those amounts for the last 11 months. On a vehicle, that's only worth $ XXXX.
05/28/2018	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	SC XXXXX	Web
XXXX XXXX is telling me something is not right because the company didn't do a right to cure I telephone the police and asked them they said it was not a cure on that vehicle.
06/13/2015	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	AZ 85251	Web
The company, titlemax, disclosed that I had an account and debt with them to my mother and my cousin. They are not approved XXXX parties to be disclosing that info to.
05/06/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	GA 312XX	Web
On XX/XX/2022 Title Max created 3 fraudulent contracts for various amounts and is trying to make me pay and are holding my title in an attempt to extort money from me
04/27/2021	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	CA 94025	Web
In XX/XX/2018 my car was repossessed I paid XXXX at one time plus I made five payments of XXXX ... my loan amount was for XXXX Now they say I owe them {$6000.00}
03/03/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	GA 30274	Web
I would like to follow a claim against TitleMax because the interest rates are extremely high I've been paying for 10 months and the price is not going down.
04/01/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	MO XXXXX	Web
XXXX violated the fair debt collection practices by daily calling several times daily 2 of my family members. They also disclosed to them whom they were.
03/07/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	AZ 86301	Web
I paid off my car XX/XX/2015 and it shows up on my credit report as i have made no payments for the eight months i made payments or even paid it off.
01/31/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 31404	Web
TitleMax 's AutoCash has not release lien, when I contact TitleMax they send me to AutoCash division and the person does not answer the phone.
03/30/2017	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	AZ XXXXX	Web	Servicemember
21 % interest rate. Stating a loan in the past was not paid which is incorrect. The loan in the past was paid in full within the first month.
11/10/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 78239	Web	Servicemember
For a {$600.00} loan been paying for over a year. My supposed payments were not payments but the interests payments. This to me is deceiving.
08/16/2022	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	SC 298XX	Web
A representative from regional office of titlemax called and left a very rude threatening voicemail and didnt properly identify themselves.
05/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33025	Web
Instaloans also XXXX XXXX XXXX never stayed in Georgia I was in XXXX and for many years I have been a victim of identity theft please help
03/23/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	IL 60443	Web
Hey alot harrassment phone call by a a person name XXXX XXXX and his number is XXXX. And also alot of harrassment email from XXXX XXXX
01/10/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 31404	Web
AutoCash finance will not release after car loan have been paid. They say the are not able to release the Georgia electronic lien.
08/14/2021	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	FL 333XX	Web
Non full disclosure, predatory lending and financial fraud, double in social security account dipping. Name of company XXXX XXXX.
06/14/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 10010	Web
They call almost daily. I have asked them to stop calling as it is a wrong number but they continue to call over and over again.
06/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33065	Web
XXXX XXXX is paid off with XXXX balance. instaloam was opened frudulent. XXXX and XXXX acounts were also fradulent account.
06/22/2023	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 313XX	Web	Servicemember
I have a title loan on a XXXX XXXX XXXX from TitleMax and I'm being charged an interest rate of 170.21 % for a {$1600.00} loan.
07/12/2019	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 30519	Web	Servicemember
The interest rate is like 200 % interest. I thought military interest rates were not supposed to exceed 36 %. I need help.
09/02/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	GA 30319	Web
Same thing interest is way to high manager went down a little bit still high payments cant afford Need a better option
06/22/2023	No	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TN 37660	Web
They had a data breach and my credit has been hit from the breach from someone stealing my identity from there breach
11/25/2018	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 31404	Web
I paid off car in total never received title in mail after I called about a year for it then busniess disappeared
04/07/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	DE 19901	Web
Added fees that was not suppose to be added and took my vehicle after promises they wouldn't in conversation
09/06/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	UT 84043	Web
I am receiving threatening calls and voicemail 's from the collector, sometimes three or four times a day.
02/23/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	MO 638XX	Web
Having trouble with TitleMax and XXXX Missouri and can't pay off the loan and they won't help in any way
05/22/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	MO 64138	Web
Title Max is in violating of Military Lending Act, Missouri statues, and predatory loan practices.
06/09/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AZ 85042	Web
Title Max has consistently called, left voicemails and texts messages. Refuse to cease and desist
09/13/2017	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	IL 60619	Web
They did n't tell me that they was going to charge me 100 % interest had me to pay back doubled.
02/24/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 75043	Web	Servicemember
Interest was too high Im a XXXX veteran on a veterans pension I feel I was over charged.
09/18/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IL 60619	Web
XX/XX/XXXX XX/XX/XXXX tried to pay back the loan but charged me outrageous rates.
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 303XX	Web
On XX/XX/2023 received a letter indicating Notice of Data Breach with Title Max
11/04/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30296	Web
Company is calling despite being notified of bankruptcy status ( Case # XXXX ).
03/12/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TN 37217	Web
Company has not tried to fix the problem, as stated in their precious response
12/07/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NC 27410	Web	Older American
THE ATTACHED LETTER TO TITLE MAX IS FULLY DESCRIPTIVE OF THE COMPLETE ISSUES.
02/24/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 77021	Web
Vehicle was repossessed by the company in XXXX of 2021
04/28/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	SC 29841	Web
My payments was not applied the the balanced.
05/25/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TN 37110	Web
Endless threats to take my vehicle away
09/30/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 290XX	Web
Not my Loan, do n't know the person.
01/07/2024	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Vehicle was repossessed or sold the vehicle	TN 37660	Web

01/04/2024	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	AL XXXXX	Web

12/29/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Incorrect information on your report Account information incorrect	SC 29169	Web

12/29/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30906	Web

12/21/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Problem with the payoff process at the end of the loan	TX 762XX	Web

12/20/2023	Yes	Vehicle loan or lease Loan	Repossession Damage caused or loss of personal items in vehicle during the actual repossession	GA 30241	Phone

12/19/2023	Yes	Vehicle loan or lease Loan	Repossession Lender trying to repossess or disable the vehicle	FL 33711	Phone

12/19/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Struggling to pay your loan	AZ 85308	Web

12/19/2023	Yes	Payday loan, title loan, personal loan, or advance loan Pawn loan	Charged fees or interest you didn't expect	GA 314XX	Web

12/18/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	AL 35217	Web

12/16/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	TX 75216	Web

12/08/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Vehicle was repossessed or sold the vehicle	SC 29212	Phone

11/27/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	TX 77489	Web

11/24/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	GA 30223	Web	Older American

11/17/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Vehicle was repossessed or sold the vehicle	GA 30088	Web

11/17/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Vehicle was repossessed or sold the vehicle	GA 30134	Web

11/10/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Struggling to pay your loan	GA 30122	Web

11/09/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	GA 30096	Phone

10/31/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	NJ 07310	Web

10/27/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	TN 37218	Web	Servicemember

10/27/2023	Yes	Vehicle loan or lease Loan	Repossession Notice to repossess	TN 37810	Phone	Older American

10/23/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Struggling to pay your loan	TX 77449	Web

10/20/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 78254	Phone	Older American

10/19/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Struggling to pay your loan	TN 38127	Web	Servicemember

10/13/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	SC 29456	Phone

10/12/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Received a loan you didn't apply for	CT 06511	Web

10/09/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Vehicle was repossessed or sold the vehicle	AZ XXXXX	Web

10/05/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Can't contact lender or servicer	AZ 85203	Phone

10/03/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Struggling to pay your loan	NC 28215	Web	Servicemember

10/03/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	SC 29203	Phone	Older American, Servicemember

10/02/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	GA 30184	Web	Servicemember

09/27/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Struggling to pay your loan	TX 77020	Web

09/25/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Problem with the payoff process at the end of the loan	CA 92586	Phone	Older American, Servicemember

09/21/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Vehicle was repossessed or sold the vehicle	GA 30253	Phone

09/20/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Struggling to pay your loan	AZ 85395	Web	Older American

09/19/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Vehicle was repossessed or sold the vehicle	TN 38574	Phone

09/11/2023	Yes	Vehicle loan or lease Loan	Repossession Lender trying to repossess or disable the vehicle	GA 30281	Phone

09/11/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Vehicle was repossessed or sold the vehicle	MO 63031	Web

09/09/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Struggling to pay your loan	SC 29730	Web

09/07/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Struggling to pay your loan	NC 27405	Web

09/06/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	MO 64128	Web	Older American

09/05/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Struggling to pay your loan	GA 30052	Web

09/01/2023	No	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	TX 78132	Web

08/30/2023	No	Payday loan, title loan, personal loan, or advance loan Pawn loan	Charged fees or interest you didn't expect	AL 36064	Web

08/22/2023	No	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TX 751XX	Web

08/18/2023	No	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	GA 30024	Web

08/17/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30096	Phone

08/16/2023	No	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	SC 29720	Phone

08/15/2023	No	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	SC 29607	Web

08/09/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TN 37726	Web

08/08/2023	No	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	AZ 85283	Phone	Older American

08/08/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30126	Web

08/04/2023	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TN 37043	Phone	Older American

08/04/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 78724	Phone

08/03/2023	No	Payday loan, title loan, or personal loan Title loan	Received a loan you didn't apply for	MO 63044	Phone

07/31/2023	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	KS 67217	Web

07/29/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	CA 92646	Web	Older American

07/28/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TN 38115	Phone

07/26/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	FL 32303	Referral

07/25/2023	No	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	GA 31521	Phone	Older American, Servicemember

07/24/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AL 36830	Phone	Servicemember

07/23/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 78599	Web

07/22/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX XXXXX	Web	Older American

07/22/2023	No	Payday loan, title loan, or personal loan Pawn loan	Charged fees or interest you didn't expect	CA 92646	Web	Older American

07/18/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	FL 33162	Phone

07/17/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	NC 27858	Web

07/14/2023	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	MO 64131	Web

07/13/2023	No	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 30058	Phone	Servicemember

07/13/2023	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	WI 53536	Referral

07/12/2023	Yes	Payday loan, title loan, or personal loan Title loan	Was approved for a loan, but didn't receive money	SC 29611	Web

07/11/2023	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	SC 29611	Web

07/11/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 31308	Web

07/05/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	WA 98001	Web

07/04/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	MO 63134	Web

07/03/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 78230	Web	Servicemember

06/28/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30606	Web

06/28/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 31407	Web	Servicemember

06/26/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	CA 91739	Web

06/26/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 30034	Phone	Servicemember

06/26/2023	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	SC 29532	Web

06/23/2023	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 31321	Web

06/21/2023	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 75137	Web

06/21/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	AR 72223	Postal mail

06/15/2023	No	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	GA 31405	Postal mail	Older American

06/15/2023	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	VA 24563	Web

06/10/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	GA 31407	Web	Servicemember

06/06/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 33187	Referral

05/28/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	AZ 85301	Web

05/27/2023	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 31545	Web

05/24/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AL 36301	Web

05/23/2023	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TN 37323	Web

05/23/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 31406	Phone

05/22/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AL 35126	Web

05/22/2023	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 30038	Phone	Servicemember

05/22/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	FL 32209	Phone

05/20/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 76137	Web

05/19/2023	Yes	Payday loan, title loan, or personal loan Pawn loan	Charged fees or interest you didn't expect	GA 30281	Phone

05/14/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	IL 61107	Web

05/08/2023	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 78130	Web

05/06/2023	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	TX 75146	Web	Older American

05/03/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	AL 35014	Phone	Older American

05/02/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AZ 85741	Web

05/01/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 78217	Phone	Servicemember

05/01/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30281	Phone

05/01/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 76227	Phone

05/01/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	KS 67206	Web	Older American, Servicemember

04/30/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30005	Web

04/29/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	IL 62226	Web

04/28/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	GA 30901	Web	Servicemember

04/26/2023	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	GA 30294	Phone

04/22/2023	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	GA 30577	Web	Servicemember

04/18/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 91732	Phone	Older American

04/17/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 75042	Web

04/17/2023	No	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	SC 29671	Phone	Older American

04/10/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	SC 29479	Phone	Older American

04/08/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	WI 53095	Web

04/06/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 76123	Phone	Older American

04/05/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 76182	Web

04/04/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	GA 30286	Web

03/29/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	NM 87531	Postal mail

03/27/2023	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	GA 30646	Web

03/27/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30523	Web

03/27/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	FL 33055	Web	Servicemember

03/27/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 309XX	Web	Servicemember

03/27/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 31415	Phone

03/27/2023	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	TN 37421	Phone	Older American, Servicemember

03/23/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	SC 29477	Phone	Older American, Servicemember

03/21/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TN 37172	Web

03/21/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 31404	Web

03/14/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	CA 90009	Web

03/09/2023	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AL 35630	Web	Servicemember

03/07/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30281	Web	Servicemember

03/07/2023	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TN 37923	Web

03/02/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	VA 24523	Web

03/01/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	IL 60194	Web

03/01/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	MO 63136	Phone

03/01/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	UT 84111	Web	Older American

02/24/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	SC 29690	Web	Servicemember

02/24/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	AZ 85746	Web

02/24/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	MS 39204	Web

02/23/2023	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AL 35806	Web

02/22/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 76182	Web

02/12/2023	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	KS 67216	Web

02/11/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	WI 53536	Web

02/02/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	MS 39114	Web

01/27/2023	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 78216	Phone

01/13/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60443	Web	Servicemember

01/13/2023	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60443	Web	Servicemember

01/11/2023	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	IL 60188	Web	Servicemember

12/25/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 78201	Web

12/13/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	SC 29072	Web	Servicemember

12/11/2022	Yes	Payday loan, title loan, or personal loan Pawn loan	Charged fees or interest you didn't expect	GA 30078	Web

12/06/2022	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AZ 85741	Web

11/18/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	DC 20020	Web

11/16/2022	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 79529	Phone

10/20/2022	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AZ 85741	Web

10/05/2022	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AZ 85741	Web

09/08/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 75901	Phone

08/25/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	UT 84041	Web

08/23/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	CA 91205	Web

08/18/2022	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30906	Phone

08/16/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	GA 30436	Phone	Older American

07/12/2022	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	NM 87031	Referral

06/28/2022	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	AZ 85210	Web

06/12/2022	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	TX 75150	Web

05/26/2022	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	PA 18301	Web

05/25/2022	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	MI 48506	Phone

05/23/2022	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	AZ 85365	Phone

05/17/2022	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	FL 33150	Phone

05/13/2022	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	FL 33150	Phone

05/12/2022	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30741	Referral

05/04/2022	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77903	Phone

05/03/2022	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	GA 310XX	Web

05/02/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 30906	Phone	Servicemember

04/25/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30901	Phone	Older American

04/20/2022	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	TN 38128	Phone

04/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	GA 31405	Phone

04/11/2022	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	NM 87031	Phone

04/08/2022	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	NM 87031	Web

03/30/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 30088	Web

03/30/2022	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	AL 35050	Web

03/24/2022	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	TX 75154	Phone

03/20/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	IL 61107	Web

03/17/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	CA 92377	Web

03/16/2022	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	FL 32829	Web

03/07/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 30106	Web

02/24/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	DC 20002	Web

02/18/2022	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30345	Phone	Older American

02/08/2022	No	Payday loan, title loan, or personal loan Pawn loan	Charged fees or interest you didn't expect	GA 30655	Web	Older American

01/18/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	NJ 07111	Phone

12/16/2021	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	DC 20002	Web

12/08/2021	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 77449	Phone

12/01/2021	Yes	Payday loan, title loan, or personal loan Title loan	Credit monitoring or identity theft protection services Billing dispute for services	GA 30815	Phone	Servicemember

11/23/2021	Yes	Debt collection Payday loan debt	False statements or representation Indicated you were committing crime by not paying debt	GA 30038	Web

10/30/2021	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	WI 54220	Web

10/12/2021	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	OH 44870	Phone

09/29/2021	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	FL 34744	Phone	Older American

09/15/2021	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	SC 29681	Phone

09/15/2021	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	WI 53218	Postal mail	Older American

09/07/2021	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	MO 63376	Web

08/31/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	SC 29681	Phone

08/11/2021	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	IL 62002	Web

08/03/2021	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	MO 64505	Web

06/26/2021	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	CA 92648	Web	Older American

06/21/2021	No	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	MO 64138	Phone

06/11/2021	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	PA 18704	Web

06/11/2021	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	PA 18704	Web

06/07/2021	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	PA 18704	Phone

06/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35405	Web

05/28/2021	No	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TN 37912	Web

05/02/2021	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	FL 33461	Web

04/24/2021	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	GA 30311	Web	Older American

04/16/2021	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	FL 33461	Web

04/13/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MD 20748	Web

04/08/2021	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	SC 29681	Phone

04/07/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	SC 29681	Phone

04/01/2021	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	SC 29681	Phone

04/01/2021	No	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	CA 90302	Web

03/29/2021	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AL 35215	Web

03/12/2021	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect		Phone

03/09/2021	Yes	Payday loan, title loan, or personal loan Pawn loan	Charged fees or interest you didn't expect	AL 35810	Web

03/05/2021	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	CA 92120	Web

02/24/2021	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	MO 64804	Web

02/19/2021	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	FL 32829	Web

02/13/2021	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 75074	Web

02/03/2021	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle		Phone

01/22/2021	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan		Phone

01/15/2021	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	VA 22546	Web

12/26/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 77565	Referral

12/23/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77384	Web

11/27/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	SC 29072	Phone

11/23/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33884	Web

11/16/2020	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	SC 29680	Web

10/29/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GA 31906	Web

10/29/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GA 31906	Web

10/28/2020	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	CA 90013	Phone

10/02/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	VA 23225	Phone

09/16/2020	Yes	Payday loan, title loan, or personal loan Title loan	Incorrect information on your report Old information reappears or never goes away	FL 32209	Web

09/14/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	CA 90049	Phone

09/04/2020	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TN 37086	Web

08/27/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	CA 92882	Web

08/25/2020	No	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	CA 90660	Phone

08/18/2020	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TX 77565	Phone

08/12/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GA 31906	Web

08/04/2020	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	UT 84115	Postal mail

07/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33612	Web

07/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33612	Web

07/14/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	FL 33615	Web

06/29/2020	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect		Phone

06/28/2020	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TX 75231	Web

06/18/2020	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 75217	Web	Servicemember

06/09/2020	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	FL 32256	Web

06/01/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11013	Web	Servicemember

05/27/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 77450	Phone

05/18/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TN 37663	Phone

05/13/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NV 89115	Phone

05/04/2020	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 79720	Web

05/01/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 30253	Web

04/30/2020	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 31054	Phone

04/28/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 75217	Web	Older American

04/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 75051	Web

04/08/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	VA 23875	Phone

03/24/2020	Yes	Payday loan, title loan, or personal loan Title loan	Was approved for a loan, but didn't receive money		Phone

03/18/2020	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30349	Web

03/11/2020	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	SC 29070	Postal mail

03/06/2020	No	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	FL 33615	Web

02/12/2020	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	GA 30909	Web

02/11/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	DC 20002	Web

02/11/2020	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	AL 35020	Web

02/04/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	AR 72076	Web

01/24/2020	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	NY 14215	Web

01/06/2020	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	TX 75043	Web

12/26/2019	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	IL 60651	Phone

12/13/2019	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AL 36111	Phone

11/20/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	FL 32218	Web

11/19/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	AL 36111	Web

11/07/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	MD 20710	Web

10/23/2019	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	TX 75043	Web

10/22/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	MD 21850	Web	Older American

10/17/2019	No	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	CA 95204	Phone

09/21/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	FL 33433	Web

09/16/2019	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	NJ 07047	Web

09/16/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 76904	Web

09/03/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30274	Phone

08/28/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TN 38135	Web	Older American

08/06/2019	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	FL 34275	Web	Older American

08/04/2019	No	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	TX 77041	Web

07/09/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect		Phone

07/03/2019	No	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	MO 630XX	Web

06/27/2019	No	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	GA 31714	Phone

06/22/2019	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	NV 89706	Fax	Servicemember

06/12/2019	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	UT 84171	Web	Servicemember

06/08/2019	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	MI 49418	Web

05/22/2019	No	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	SC 29379	Phone	Older American

05/10/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	CA 90601	Phone

03/25/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan		Referral

03/10/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 75001	Web

03/07/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed		Phone

02/23/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	UT 84720	Web

01/30/2019	Yes	Payday loan, title loan, or personal loan Title loan	Received a loan you didn't apply for	GA 31093	Referral

01/29/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls		Phone	Servicemember

01/15/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	MI 49418	Web

01/11/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	CA 91950	Fax

12/19/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	FL 32177	Web

11/30/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	FL 34238	Web	Older American, Servicemember

11/28/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 75001	Web

11/26/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	FL 32811	Phone

11/24/2018	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	CA 94080	Web

10/23/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 75001	Web

10/09/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	IL 60466	Web	Older American

10/02/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 79720	Web

10/01/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 75001	Web

09/17/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	MO 63106	Web

09/14/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 75050	Referral

08/22/2018	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	PA 17090	Phone

07/30/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	SC 29501	Fax

07/27/2018	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer		Phone

07/07/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect		Phone

06/28/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 75067	Postal mail

06/28/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 75067	Postal mail

06/06/2018	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	FL 33185	Web

05/04/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 31216	Web

04/28/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	SC 29841	Web

04/26/2018	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	SC 29006	Web

04/10/2018	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	IL 60619	Postal mail

04/09/2018	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	OR 97471	Phone

04/03/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	MO 64086	Fax

02/14/2018	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	GA 30905	Web	Servicemember

02/14/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 32563	Referral

02/13/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan		Phone

02/07/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AL 36303	Postal mail

02/05/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 75243	Phone

01/08/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	CA 92683	Fax

12/26/2017	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	GA 30076	Phone

12/24/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95993	Web

12/22/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	CA 900XX	Web	Servicemember

12/22/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	MD 20721	Phone

12/19/2017	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	NC 28542	Web	Servicemember

12/14/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect		Phone

12/07/2017	Yes	Payday loan, title loan, or personal loan Title loan	Incorrect information on your report Account information incorrect	TN 37604	Phone

11/25/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 30141	Web	Servicemember

11/24/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect		Referral

11/21/2017	Yes	Payday loan, title loan, or personal loan Title loan	Incorrect information on your report Account information incorrect	TN 37604	Phone

11/09/2017	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	AR 72335	Phone

11/01/2017	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TN 38017	Web

10/20/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30741	Web

10/17/2017	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan		Referral

10/12/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 31406	Web

10/04/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	AL 35150	Phone	Servicemember

09/25/2017	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	GA 30297	Phone

09/25/2017	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle		Phone	Servicemember

09/21/2017	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	NV 89107	Web

09/10/2017	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	SC 29407	Web

09/07/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 23112	Web

08/23/2017	Yes	Payday loan, title loan, or personal loan Pawn loan	Charged fees or interest you didn't expect	GA 30097	Web

08/03/2017	Yes	Payday loan, title loan, or personal loan Title loan	Received a loan you didn't apply for	OH 45220	Web

07/27/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 79904	Postal mail

06/28/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	NV 89052	Web

06/19/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	SC 29841	Fax

05/10/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	GA 31705	Web

05/10/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	CA 90046	Phone

05/04/2017	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	TX 78749	Web

03/22/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NV 89052	Web

03/14/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NV 89052	Web

03/06/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 31907	Web

02/17/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MD 20695	Postal mail

02/13/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 31406	Postal mail

02/08/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AZ 85022	Web

02/07/2017	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	TX 77511	Web

01/20/2017	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	CA 92506	Web

01/19/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85032	Fax

01/12/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30047	Web

01/05/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 34112	Postal mail	Older American

01/05/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	AZ 85296	Web

01/02/2017	Yes	Consumer Loan Title loan	Can't contact lender	GA 30097	Web

12/22/2016	Yes	Consumer Loan Title loan	Payment to acct not credited	GA 30331	Web

12/15/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	AZ 85021	Web

12/03/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30035	Web	Servicemember

11/30/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	GA 30134	Phone

11/23/2016	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	TX 77511	Web

11/18/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	GA 30453	Web

11/09/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 78721	Web

10/21/2016	Yes	Consumer Loan Title loan	Applied for loan/did not receive money	AL 36117	Web	Older American

10/13/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 31305	Web

10/13/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 77640	Fax

10/06/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 91730	Web

10/05/2016	Yes	Consumer Loan Title loan	Payment to acct not credited	IL 600XX	Web	Servicemember

09/29/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	NJ 07712	Phone

09/09/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30453	Web

09/09/2016	Yes	Consumer Loan Title loan	Payment to acct not credited	TN 37743	Phone

09/02/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	SC 29571	Web	Older American

08/30/2016	Yes	Consumer Loan Pawn loan	Payment to acct not credited	GA 31008	Phone	Servicemember

08/25/2016	Yes	Consumer Loan Title loan	Can't contact lender	GA 30088	Web

08/08/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	GA 31088	Fax

07/26/2016	Yes	Consumer Loan Title loan	Can't stop charges to bank account	GA 30417	Phone

07/25/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	AR 72687	Phone

07/23/2016	Yes	Consumer Loan Title loan	Received a loan I didn't apply for	AZ 85021	Web

07/14/2016	Yes	Consumer Loan Pawn loan	Payment to acct not credited	FL 32034	Web

07/12/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VA 23518	Web

06/22/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 75249	Web

06/21/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	GA 30318	Web	Servicemember

06/15/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	VA 23324	Fax

06/14/2016	Yes	Consumer Loan Title loan	Received a loan I didn't apply for	TX 75227	Phone	Older American

06/06/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30046	Referral

05/31/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 76182	Web

05/16/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	GA 30002	Web	Servicemember

05/10/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	GA 30165	Phone

04/29/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	AL 35242	Web	Servicemember

04/28/2016	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	TX 77074	Web	Older American

03/30/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	GA 30187	Postal mail	Older American

02/24/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 75149	Phone

02/12/2016	Yes	Consumer Loan Title loan	Can't contact lender	TX 78240	Web

02/11/2016	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	GA 30039	Referral

02/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 37923	Phone	Servicemember

02/03/2016	Yes	Payday loan	Charged fees or interest I didn't expect	GA 30656	Phone

02/02/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	SC 29210	Web

01/11/2016	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	GA 30341	Phone

12/28/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 32218	Web

12/17/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30213	Postal mail

12/11/2015	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	TX 76548	Phone	Servicemember

11/20/2015	Yes	Consumer Loan Personal line of credit	Managing the line of credit	GA 30273	Phone

11/19/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	FL 32218	Phone

11/16/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	CA 92660	Referral

10/28/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	SC 29221	Referral

10/27/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 78225	Web

10/10/2015	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	VA 23701	Web

10/05/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	GA 30032	Fax

09/30/2015	Yes	Consumer Loan Personal line of credit	Managing the line of credit	GA 30066	Phone	Older American

09/17/2015	Yes	Consumer Loan Title loan	Can't contact lender	SC 291XX	Web

09/11/2015	Yes	Consumer Loan Title loan	Applied for loan/did not receive money	TX 77088	Phone	Servicemember

08/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 75001	Web

08/29/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 30291	Web	Servicemember

08/18/2015	Yes	Payday loan	Can't stop charges to bank account	AL 36856	Phone

08/11/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	GA 30344	Phone	Older American

08/10/2015	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	TN 37211	Web

08/06/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	NC 28655	Web

08/06/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	NC 28655	Web

08/03/2015	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	VA 23324	Fax

07/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MO 63020	Web

07/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 75001	Web

07/26/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NV 89128	Web

07/16/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33711	Referral	Servicemember

07/16/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA 24018	Phone

07/08/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	VA 23324	Fax

07/08/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	SC 29550	Web

07/07/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	GA 30303	Web

06/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	TX 75001	Web

06/18/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	GA 30006	Phone

06/15/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	NV 89113	Web

05/27/2015	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	TX 75231	Phone

05/21/2015	Yes	Consumer Loan Title loan	Can't contact lender	TX 78040	Phone

05/08/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	GA 30276	Web

05/07/2015	Yes	Consumer Loan Personal line of credit	Account terms and changes	CA 92781	Web

05/01/2015	Yes	Debt collection Auto	Improper contact or sharing of info Contacted employer after asked not to	GA 30088	Phone

04/30/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30401	Web

04/27/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30907	Phone	Older American

04/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	GA 30096	Web

04/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TX 75001	Web

04/14/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA 23487	Web

03/19/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	GA 31068	Phone	Servicemember

03/19/2015	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	VA 232XX	Web

03/11/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted me after I asked not to	VA 23454	Web

03/10/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 31021	Web

03/06/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37138	Web

03/05/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	FL 32097	Web

03/03/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 79110	Phone

03/02/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	TX 76209	Web

02/26/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	GA 31907	Phone

02/25/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 77066	Web

02/25/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	GA 30326	Web

02/25/2015	Yes	Consumer Loan Title loan	Payment to acct not credited	GA 30326	Web

02/17/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75127	Web

02/17/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AL 36104	Web

02/13/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OH 43203	Postal mail

02/11/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 77358	Web

02/10/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 77004	Web	Servicemember

02/05/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TN 38018	Web

02/03/2015	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	GA 30058	Web

02/02/2015	Yes	Consumer Loan Pawn loan	Charged fees or interest I didn't expect	GA 30808	Web

02/01/2015	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	FL 32506	Web	Servicemember

01/30/2015	Yes	Payday loan	Charged fees or interest I didn't expect	GA 30324	Web

01/29/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 79904	Web

01/27/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	TN 37013	Web

01/21/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 76119	Web	Servicemember

01/21/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	MO 64507	Web

01/19/2015	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	AL 36110	Web

01/12/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AL 36105	Web

01/09/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75222	Web

01/07/2015	Yes	Consumer Loan Title loan	Lender damaged or destroyed vehicle	VA 24551	Phone

12/29/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	SC 29687	Web

12/26/2014	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	TX 77042	Postal mail

12/20/2014	Yes	Debt collection Auto	Taking/threatening an illegal action Seized/Attempted to seize property	CA 93021	Web

12/18/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 06120	Web

12/17/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30319	Web

12/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	GA 30349	Web

12/12/2014	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	NC 28083	Web

12/10/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30134	Web

12/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	AL 36804	Web

12/04/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	UT 84041	Web

12/04/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VA 23601	Web

12/04/2014	Yes	Debt collection Payday loan	Communication tactics Used obscene/profane/abusive language	AR 72301	Phone

12/02/2014	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	NV 89123	Web	Older American, Servicemember

12/02/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	VA 22407	Web

12/02/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	GA 30288	Web

12/01/2014	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	DC 20020	Web

11/28/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 63074	Web

11/26/2014	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TN 38125	Web

11/20/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	GA 30705	Web

11/19/2014	Yes	Consumer Loan Personal line of credit	Account terms and changes	VA 23454	Web

11/19/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	FL 32225	Web	Servicemember

11/15/2014	Yes	Debt collection Payday loan	False statements or representation Impersonated an attorney or official	TX 77085	Web

11/10/2014	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TN 38125	Web

11/10/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX 75038	Web	Older American

11/10/2014	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	GA 30161	Phone	Older American

11/06/2014	Yes	Consumer Loan Title loan	Payment to acct not credited	TX 77346	Phone

11/06/2014	Yes	Consumer Loan Title loan	Payment to acct not credited	PA 19446	Web

11/04/2014	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	GA 30120	Phone

11/02/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX 75287	Web

10/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32333	Web

10/29/2014	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	NM 88081	Phone

10/28/2014	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 78207	Web

10/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	GA 30096	Web

10/17/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TN 37932	Web

10/08/2014	Yes	Consumer Loan Title loan	Can't contact lender	GA 30082	Web	Older American, Servicemember

10/02/2014	Yes	Consumer Loan Title loan	Can't contact lender	IL 60609	Phone	Older American

09/30/2014	Yes	Consumer Loan Title loan	Applied for loan/did not receive money	GA 30263	Web

09/25/2014	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 75067	Web

09/25/2014	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	MD 20748	Web

09/19/2014	Yes	Payday loan	Applied for loan/did not receive money	GA 31069	Web	Servicemember

09/18/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	VA 22407	Web

09/15/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 76548	Phone	Servicemember

09/12/2014	Yes	Consumer Loan Title loan	Lender damaged or destroyed vehicle	FL 32218	Web

09/09/2014	Yes	Payday loan	Charged fees or interest I didn't expect	GA 30009	Web

09/08/2014	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 75001	Web

09/05/2014	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	GA 31204	Phone	Older American

09/05/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 32608	Web

09/02/2014	No	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 76548	Phone	Servicemember

08/28/2014	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	GA 30251	Phone

08/28/2014	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 78741	Web

08/27/2014	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	GA 30656	Web

08/21/2014	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	NC 28655	Web

08/11/2014	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	IL 60630	Web

08/06/2014	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	AZ 85079	Web

08/03/2014	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TN 37803	Web

08/01/2014	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	VA 23805	Web

07/31/2014	Yes	Consumer Loan Title loan	Can't contact lender	GA 30106	Web

07/29/2014	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	TX 75023	Web

07/27/2014	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	AL 36587	Web	Servicemember

07/18/2014	No	Consumer Loan Vehicle lease	Problems when you are unable to pay	GA 30067	Web

06/28/2014	Yes	Consumer Loan Personal line of credit	Managing the line of credit	GA 30340	Web

06/24/2014	Yes	Payday loan	Charged fees or interest I didn't expect	TN 37874	Postal mail

06/19/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	MI 48205	Phone

06/10/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AL 35601	Web

06/09/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30326	Web

06/06/2014	Yes	Payday loan	Charged fees or interest I didn't expect	NC 28226	Referral

06/04/2014	Yes	Debt collection Auto	Taking/threatening an illegal action Seized/Attempted to seize property	FL 32208	Web	Older American

05/30/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CA 92660	Phone

05/21/2014	Yes	Payday loan	Charged fees or interest I didn't expect	TX 77006	Phone

05/17/2014	Yes	Payday loan	Charged fees or interest I didn't expect	LA 89122	Web	Older American

05/06/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30230	Web

05/02/2014	Yes	Payday loan	Charged fees or interest I didn't expect	TX 75010	Phone	Older American

05/01/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MD 21212	Web

04/30/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	SC 29461	Web

04/26/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75080	Web

04/24/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30039	Web	Servicemember

04/23/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Seized/Attempted to seize property	GA 30315	Web

04/23/2014	Yes	Debt collection Auto	False statements or representation Indicated committed crime not paying	TN 37115	Web

04/15/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	GA 30711	Web

04/05/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30153	Web

04/01/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TN 38116	Phone	Older American

04/01/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MD 21212	Web

03/28/2014	Yes	Consumer Loan Personal line of credit	Managing the line of credit	GA 31204	Web

03/18/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AL 35020	Web

03/18/2014	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	GA 30236	Web

03/05/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	VA 20121	Phone	Servicemember

02/19/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay		Phone

02/06/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	AZ 85206	Web

02/03/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30318	Web

01/16/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	GA 30008	Web	Servicemember

01/14/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	GA 30102	Web

01/06/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85224	Web

01/02/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	GA 30331	Web

12/28/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	GA 31521	Web

12/16/2013	Yes	Payday loan	Can't contact lender	GA 30021	Web

12/05/2013	Yes	Payday loan	Charged fees or interest I didn't expect	AZ 85335	Web

11/27/2013	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TN 37013	Web

11/21/2013	Yes	Payday loan	Charged fees or interest I didn't expect	MO 65807	Web

11/07/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 32405	Web

10/22/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TN 37863	Web

10/22/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	VA 22030	Phone

09/24/2013	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30265	Web

09/12/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30656	Phone

08/24/2013	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VA 23430	Web

08/17/2013	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	IL 60014	Phone	Servicemember

04/29/2013	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30809	Postal mail	Older American

04/17/2013	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 76105	Web