| 08/29/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Struggling to pay your loan
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Web |
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I submitted a request for information from XXXX XXXX XXXX XXXX at the end of XXXX or beginning of XXXX to inquire about a title loan while starting a new job. I was contacted about 20 minutes later by a man named XXXX who confirmed a few details and made an appointment to come in that day at XXXX XXXX. I arrived at the store with the vehicle and all necessary paperwork and began the application process. I received the loan for a lesser amount than requested but was OK with the amount.
I started the new job but was laid off 2 weeks later which was going to make it very hard to make the high interest payments let alone the principle payment. The day the payment was do I received at least 4 calls from a woman at XXXX XXXX. I explained that I was waiting to receive my paycheck because my previous employer held the first check back but I would be able to cover the interest payment 3-4 days later once the money cleared in my bank account. Later that week I made that payment and did not hear from anyone again.
By the time the next payment was due I had found another job and also changed my phone number but had not started that job yet. I contacted the store and provided them with the updated information to atleast stay in contact. I explained the the situation to XXXX who became very frustrated with me and began demanding that I surrender the vehicle to the office at which time he would sell it even though I gave him a date when I could pay. XXXX agreed to give me an extension and then we disconnected the call. Later that day I received several phone calls from references that I provided on my application stating that both a man named XXXX and another unidentified female from XXXX XXXX XXXX XXXX had called them several times stating that they could not reach me by telephone even though I had spoken to them earlier. One reference stated that the woman told him she could not reach me regarding an outstanding balance on my title loan.
When I was told about this I contacted the store once again and spoke with XXXX and he said that it never happened and its his word against mine and I'm " the one who can't pay a loan '' so who will the court believe. I explained that releasing information about any debts to a third party is not allowed at which time he told me nobody will believe me. I also informed XXXX that a man named XXXX called me at approximately XXXX regarding the vehicle. I called the number back and it belonged to XXXX XXXX XXXX. After checking the company XXXX page, I found that XXXX 's towing head repossession agents name is XXXX. On the call with XXXX, he confirmed that the store is contracted with XXXX XXXX XXXX for all recovery efforts. Again I explained to him that contact whether via telephone or in person is not allowed after XXXX in Georgia. XXXX said that he would call the company and request that they do not call me so late. At this time I felt like I was being harassed because of the late night visits to my house by XXXX, harassing my employer and references, and calling me every single day sometimes 3 times a day.
I still thought that I could make the loan current in time so I did not surrender the vehicle yet. Once I started my new job I began to have problems immediately because my direct supervisor was annoyed that 2 different men from XXXX XXXX XXXX XXXX called every day asking for me even after she explained that I do not work in the office and that calling there is a waste of time because I drive a truck. My supervisor also stated that she asked both men to not call anymore because it is becoming harassing. My supervisor contacted me and told me to call whoever they are and tell them to stop calling because they are harassing her and if I don't, I will be fired. I called XXXX and told him that he was putting my job in danger. He told me pay the bill and we wont call anymore.
Finally on 08/16/2018 I called the store and spoke to a man who said he is XXXX ' assistant. During the call it was decided that if I bring my vehicle to the store and let them take possession of it that I would not be charged a repossession fee nor would I be charged storage fees while I made my account current. All of this was discussed on a recorded line.
On XX/XX/XXXX I arrived at the stores physical location with the vehicle loaded on my tow truck and entered the store. I immediately spoke to XXXX and explained why I was there. I asked that the agreement be put in writing to make me more comfortable with it arrangements. He asked me to give him the second key which I handed to his assistant and he asked him to go photograph the vehicle. Once I gave them the second key XXXX told me he did not know what I was talking about and that I would be charged a repossession fee and storage fees even though I had personally delivered the vehicle to them. XXXX stated that the vehicle still needed to get to their storage lot and that's why the fee would be charged. I offered to tow the vehicle to the storage yard to avoid the fee and he told me that was not possible. I explained that this was already agreed on the previous day but he still claimed he knew nothing about it. I told XXXX that I had it all on a recorded line and he jumped out of his chair yelling at me stating that I can not record them. After explaining laws again he told me that he was going to take the vehicle off of my truck and just sell it so I can't get it back. Finally I had enough of being threatened and screamed at by a person who is alot larger than me and I started to leave the store. XXXX began screaming that if I do not take the vehicle off the truck that he will call the police and have me arrested for stealing the vehicle. I explained to him that I was leaving because I was not going to feel intimidated by him or anyone else at the store. He finally agreed to put the original agreement in writing and let me bring the vehicle to the storage area. He wrote the agreement but first refused to sign it. I told him the only way I will honor the agreement is if he signs the document. XXXX assured me that both my employer and references would not be contacted because they now have the vehicle. XXXX also told me that they would not call me until XX/XX/XXXX because that's when my next payment is due. Since XX/XX/XXXX I have been called every single day by the store who have left a voicemail on each occasion.
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| 10/24/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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Web |
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Borrowed XXXX on my XXXX XXXX XXXX from first XXXX XXXX XXXX in XXXX ga. Check went directly to mechanic as I got the loan to have motor replaced. 1st payment due XX/XX/17, although car was still in mechanic shop, called and made arrangements to pay on that saturday and was told district had to approve. Never heard back so assumed it was agreeable, 3 days later car was repossessed from shop without any communication to me. Initally was told i could get car back after I made the payment and decided to do a buyout with another company. Both companies coordinated and gave me an appt time to be at New company to complete paperwork, assured car would be there when I arrived, ended up waiting 3 hours and finally being told they could not remove car from lot bc it was in repo, this was after I was told 2 other stories. Asked to speak to district. He ( XXXX XXXX ) called the following day and told me that I could not make my payment and get car only option was full payout. I asked about the branch manager ( XXXX ) telling me I could get car back and was told she made a mistake, and that everyone makes mistakes ... offered no reason or leniency for the false information and time spent. District manager was extremely rude, sarcastic, and unapologetic, refused to provide his supervisors contact info and my request to have his superior contact me. I have been taken advantage of, lied to, and my rights violated. Please help me I am a hardworking individual who recently received a layoff, gave my newer car up and bought this one only to have motor blow up 4 days later, pawned title as it was my only option and now my car has been taken for being 3 days late and after making arrangements that were assumed agreeable by lack of follow-up saying otherwise. I have made several attempts to reach out to the owners of company ( no reponse ) and also several attempts to have title bought out, none of them can happen bc they refuse to let car leave repo lot even if I pay their repo company to tow it to New title loan co to complete buyout.
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| 10/20/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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Web |
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Hi, I was a recent customer of First American Title Lending Company on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX for over a year now up until the end of XXXX. We were making arrangements for me to become current on my account. I was told that I had a grievance for a few months ( credited as hardship ) they were fully aware that the car needed repairs and I was trying to work my payments out with them and still be able to get my car fixed. I made my payment on XX/XX/XXXX and someone from their company came and took the car on XX/XX/XXXX from over my aunt house without evening mentioning who they were or that they were from the title lending company. My aunt assume it was a mechanic that picked it up. They even damaged her driveway as they left her place. I asked her how he looked and realized that this guy was in her driveway the week prior to going through the car. A few days later I noticed a charge on my credit card where someone attempted to pay their utility bill in XXXX, Ga online using my routing and account number. I have my check books and bank information in the car and immediately called them to see if I can get my personal belongings out the car, they advised me I can do that but would have to speak with a manager. The manager never called me back, so I stopped by their office, and they advised me to come back around XXXXXXXX XXXX the next morning. I stopped by their today XX/XX/XXXX and XXXX XXXX told me to speak with " XXXX XXXX '' but she was not there and should arrive in 30 minutes. I came back and XXXX XXXX said that " XXXX XXXX '' still not in the office. I really need to get my personal items out of the car, there is someone at this company using my information to purchase items and pay bills online.
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| 05/24/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Problem with the payoff process at the end of the loan
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Web |
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I took out a loan with XXXX XXXX XXXX in XX/XX/XXXX. I have always made my payments. I lost my job recently. In XX/XX/XXXX, i receive a text saying they were going to issue a warrant for my arrest because i had not made my payment. At this time, im not past due. It matured XX/XX/XXXX. Well, XXXX said i could not extend the lian and i had to pay up, or go to jail and taking truck. I didnt have enough money and im still trying ti come up with my pay off which is {$1400.00} give or take. My loan has bot reduced at all in the past two years of payments. Also, i was looking at the contract and it is illegal. It states the percentage is 12.5 and annual percentage rate is 152.08 % APR. That is over the mandated 12.5 % enforced by Ga. law. Georgia law states there is a cap on all pawn transactions in the state of Ga., not to exceed 12.5 % after the third extention. That is 12.6 % according to my calculations. Also, the threats with warrants, i do believe is illegal. They have strong armed me and have taken my vehicle and selling it because i xant pay what they say is due. I dont know what to do and i feel violated. The contract is not legal in the state of Georgia and i would think that makes my pawn transaction null and void according to Ga. law and they forfeit any interest due and have to give me my title, correct?
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| 06/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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For on time payments made XX/XX/2020 and XX/XX/2020, the amount applied to principal was incorrect. More was applied to interest than principal. I compared the amortization schedule given at closing to the print out of payments made through the course of the loan. I approached XXXX XXXX about the discrepancy and was told she would reach out to her boss. After several calls I was able to reach her and she informed me her boss would not make any adjustments. For XX/XX/2020, of the XXXX payment made, XXXX was applied to principal ; however, according to the amortization schedule, XXXX should have been applied to principal. For XX/XX/2020, of the XXXX payment made, XXXX was applied to principal ; however, according to the amortization schedule, XXXX should have been applied to principal. We were totally ignored and brushed off.
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| 07/25/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Received a loan you didn't apply for
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Web |
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I XXXX XXXX was approved for a Title Loan with First American Title Lending for {$3000.00} upon approval I agreed to repaying the loan in full making monthly payments of {$310.00} per/month totaling {$3300.00} if paid in full XX/XX/2022 {$3000.00}. XX/XX/2022 call to make a payment ask for the balance of the loan representative responded {$3000.00} I ask how is that possible I have made payments from XX/XX/2022 on time to current Rep apologized for the incorrect information provided stated the monthly payments applied was to continue the loan I responded that was not the agreement. I contacted XXXX New Deal XX/XX/2022 ( XXXX XXXX XXXX ) approved the loan paid off the total amount in full to First American Title Lending.
First American Title Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 05/31/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Problem with the payoff process at the end of the loan
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Web |
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I got a loan from XXXX XXXX XXXX for {$5000.00} to aid me in opening a business. For the next 15 months I had beeen making payments of XXXX XXXX monthly. Three weeks ago the vehicle was totaled by another driver so I called to get the payoff amount and I was told it was {$6400.00}, I asked why the payoff balance was so high after making payments for 15 months and I was told that none of the payments or add it to the principal and they were only interest when I asked how they calculated the final payoff I was told it was 100 % of the principal +2 additional months of interest. I did not think this is fair because I have been diligent about making the monthly payments I was under the impression that a portion of the payments would be applied to the principal.
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| 09/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with fraud alerts or security freezes
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Web |
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I WENT INTO FIRST AMERCIAN TITLE LENDING XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX. I applied for a title loan. I was told that I had too many miles. They spent a lot of time making comments about a previous title loan with a title company. After I was denied the loan, I left the company. I applied for other services and discovered that the staff and company had used my social security and other personal identifying information to add a fraud alert to my credit reports without my permission. I applied for gas services and was denied. They could not access my credit report. I can not cook and get this process completed in a regular amount of time. Its the same issue with other services when I applied for services. They took away my privileges.
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| 07/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Can't stop withdrawals from your bank account
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Web |
Older American |
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I am retired drawing social security by direct deposit. My wife is XXXX and draws nothing. I discovered in XXXX that First American title loans had been taking money from my SS account without me knowing or giving me a recipe so I would know. This has been going on for over a year. Upon checking all our cards found out they also took my wife 's stimulus money from her XXXX XXXX account .They didn't have a right to take it out. They were stealing. I borrowed XXXX in XXXX and payed over XXXX back. They couldn't steal money in XXXX because I took my money out the first of the month. So now they want my camper and have me arrested
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| 09/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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Web |
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I applied for the loan XX/XX/2019 my bank held the check to clear which took 15 days but the first payment was due XX/XX/XXXX my second payment was due XX/XX/XXXX and began to have money problem I asked for a extension I was going to double up but they refuse so today they repos my car it has been a month and they transferred the title taking my name off.
Happy birthday to me today First American title lending of Georgia XXXX XXXX repo my car because I missed a {$120.00} payment from a {$1000.00} loan yes I missed but they have no mercy it was 17 late stay away do not give up your title WARNING STAY AWAY
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| 05/25/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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Web |
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Original loan was in XXXX. XX/XX/XXXX received a text saying a warrant for my arrest was being done for non payment. Loan didn't maturectil XX/XX/XXXX so it wasn't even past due as of yet. I have since lost my jonmb so can't pay. They say I owe XXXX, XXXX and something dollars, so balance has increased instead of decreased. I have since learned that my contract is illegal. They are charging 152.08 % annually which is over the 12.5 % cap on pawn transactions. Have relied my truck and said selling. So far, no resolution. They will not budge. Want my truck back.
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| 09/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Struggling to pay your loan
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Web |
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We had issues making payments on this high interest predatory loan. When we expressed our concern to the store manager XXXX XXXX we were met with condescending remarks and threats.
Additionally XXXX and store employees at the XXXX location for XXXX XXXX XXXX XXXX were very open and quick to disclose ver personal and private debt information to my associates and family. When advised them to stop doing so we were met with additional condescending remarks.
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| 04/20/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Struggling to pay your loan
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Web |
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Hello I have paid 2 payments I have been laid off from work due to my XXXX and my wife complicated XXXX it's been super hard for to catch up I have told the company I was going to come in soon and make a payment butneash time it fail due to financial problems the company sent a voice and said a warrent would be issued for my arrest if the car isn't paid so if there another option.
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| 10/27/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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Postal mail |
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| 08/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Phone |
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| 05/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Problem with the payoff process at the end of the loan
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Phone |
Servicemember |
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| 11/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Phone |
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| 02/27/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Problem with the payoff process at the end of the loan
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Web |
Servicemember |
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| 05/15/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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| 04/25/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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