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Community Choice Financial, Inc.

Complaints

This profile includes complaints for Community Choice Financial, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

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    Customer Complaints Summary

    • 437 total complaints in the last 3 years.
    • 143 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:06/30/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I'm paying towards my loan but instead of my payments decreasing they're increasing I've called and reported to them to their higher source but nothing is being basically they're telling me I have to pay it or have my car repo

      Business Response

      Date: 07/02/2025


      July 2,2025

      Better Business Bureau
      ******************************************************

      RE: BBB Complaint ID ********

      BBB Dispute Resolution Team:

      Thank you for the opportunity to respond to the complaint filed by ******* ********* (Complainant).TitleMax of ***********, DBA TitleMax, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.

      To summarize, the Complainant states their payments are increasing instead of decreasing despite making payments. They request a billing adjustment.

      TitleMax of ***********, DBA TitleMax is a registered Texas Credit ********************* (CSO) and assists consumers in obtaining loans from willing, unaffiliated lenders. TitleMax services the loan but is not a lender in *****. TitleMax charges a CSO fee in the amount permitted by Texas law.

      A review of TitleMax records revealed that on July 13, 2020,the Complainant obtained a loan in the amount of $1,303.13 with ************************ at a storefront in ********, **. The Complainant granted a security interest in a 2012 ****** Altima with a VIN ending in ******. The loan was contracted to be repaid in full in the amount of $1,497.57 on August *******. On July 23, 2020, the Complainant made a payment of $186.34 and refinanced their existing loan of $1,303.13. The loan was contracted to be repaid in full in the amount of $1.497.57, on August 22, 2020.

      Between July 23, 2020, and July 1, 2025, the Complainant refinanced their loan on fifty-one (51) more occasions, borrowing an additional $3,706.00 total. The current refinance was completed on July 1, 2025, in which the Complainant made a payment of $388.74 and refinanced their existing loan of $2,588.99. The loan is contracted to be repaid in full in the amount of $2,975.31, due July 31, 2025.

      At the time of loan origination and upon each refinance, the Complainant signed a Loan Agreement as well as the Credit Services Contract and Security Agreement that clearly disclosed the annual percentage rate, finance charge, amount financed, total of payments and the repayment schedule in accordance with the Federal Truth in Lending Act and **************** signing the agreements, the *********** acknowledged their understanding of the terms and conditions of the loan.
      Furthermore, several refinances were completed by the Complainant using TitleMaxs online web application which allows the customer to move at their own pace to ensure full understanding of any and all documents presented to them prior to signing. Please note that at times, the lender, loan product, and repayment terms changed on occasion during these refinances. There were times when the Complainant obtained a loan product contracted to be repaid in thirty (30) days, while other refinances had a loan product to be repaid in five (5) months.

      Under a thirty (30) day transaction, the expectation is for the customer to pay in full on or before the expiration of the thirty (30) day term. Rather than paying the balance in full, however, the Complainant elected to pay any outstanding interest and fees, refinance the loan, borrow additional funds on multiple occasions, and enter into a new transaction for an additional thirty (30) days on each occasion after that, thereby accruing additional charges.

      TitleMax encourages customers to use this product as a short-term financial solution. Paying more than the minimum payment due is also encouraged to help reduce the balance and interest fees. The balance may be paid back at any time with no penalty for early payoff. Further, customers may cancel the agreement by returning the check by which TitleMax disbursed the loan proceeds or an equivalent amount of cash to us within three (3) days following the date of the agreement.

      TitleMax believes that the conditions of the loans were clearly disclosed and cannot find any evidence of wrongdoing, However, given the number of payments received, as a gesture of goodwill, TitleMax is willing to settle the account for $1,000.00 to be repaid on or by July 31, 2025. The Complainant may make two (2) separate payments on or by July 31, 2025, if they wish to do so. Once the settlement terms are fulfilled, we will release the Complainants vehicle title and provide the appropriate lien release. The Complainant may contact the local storefront directly, reachable at *************, to make arrangements for a settlement agreement to be signed.

      We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.

      Sincerely,

      Consumer Protection
      PO Box 550
      *******************
    • Initial Complaint

      Date:06/26/2025

      Type:Service or Repair Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      My vehicle was repossessed by title bucks. They took my vehicle to *** auction place where they auction off the vehicles. I paid my title loan ***** we had a settlement for this amount. Tell me why we were notified today June 26 that or vehicle was getting sold yesterday? So what would have happened if it did and the money we paid? I was given an appointment today to pick up my vehicle. My vehicle was damaged inside the ripped my sticker off and the plates off. They put in another key also. Im asking for my title and I get a back and forth saying neither company has my title

      Business Response

      Date: 07/02/2025


      July 2,2025

      Better Business Bureau
      **************************************

      RE: BBB Complaint ID ********

      BBB Dispute Resolution Team:

      Thank you for the opportunity to respond to the complaint filed by ****** ******* (Complainant).TitleMax of ***********, DBA TitleBucks, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.

      To summarize, the Complainant states that their vehicle was repossessed and they paid the settlement amount but have not received their title. They were also notified that their vehicle was being sold the day ******** addition, they claim their vehicle sustained various damages and requests an apology, half their payment back, and an explanation.

      TitleMax of ***********, DBA TitleBucks is a registered Texas Credit ********************* (CSO) and assists consumers in obtaining loans from willing, unaffiliated lenders. TitleBucks services the loan but is not a lender in *****. TitleBucks charges a CSO fee in the amount permitted by Texas law.

      A review of TitleBucks records revealed that on June *******, the Complainant obtained a loan in the amount of $3,350.00 with ******************* Partnership at a storefront in *************, **. The Complainant granted a security interest in a 2008 Chevrolet Suburban with a VIN ending in ******. The loan was contracted to be paid off over the course of five (5) months beginning July 15, 2022, with the first fees and interest payment being $$528.50, followed by three (3) fees and interest payments of $507.85,with a final payment of $3,999.36, representing the final CSO fee, the principal, and the lender interest, due November 15, 2022.

      At the time of loan origination, the Complainant signed a Loan Agreement as well as the Credit Services Contract and Security Agreement that clearly disclosed the annual percentage rate, finance charge, amount financed, total of payments and the repayment schedule in accordance with the Federal Truth in Lending Act and **************** signing the agreements, the *********** acknowledged their understanding of the terms and conditions of the loan.

      Payment history indicates there were five (5) payments made on the loan. When the minimum payment was not made on November 15, 2022, the loan entered into a past due status. TitleBucks attempted to reach the Complainant multiple times regarding repayment options but was unsuccessful. Consequently,due to continued non-payment, the vehicle was recovered on June 2, 2025. A Notice of Our Intent to Sell Property was mailed to the address on file on June 9, 2025. This notice informed the Complainant that the vehicle would be sold after June 24, 2025, if a payment of $4,798.29 was not made. However, the Complainant agreed to a settlement payment of $3,900.00. The settlement amount was paid on June 23, 2025, and the Complainant was able to pick up the vehicle on June 26, 2025.

      Concerning the claim of vehicle damage, it should be noted that the alleged damage occurred when the vehicle was recovered by an unaffiliated third-party vendor, and not while it was in possession by TitleBucks. The individuals assigned to recover the vehicle are not TitleBucks employees. Accordingly, any recourse the Complainant may have should be directed to the auction house, Insurance Auto Auctions (IAA), reachable at ************** or the recovery vendor, MVTrac, reachable at **************.

      Regarding the Complainants title, the title was returned from *** to their local storefront on June 30, 2025, and the store front will reach out to the Complainant directly. The Complainant may pick up their title from the storefront during business hours.

      TitleBucks believes that the conditions of the loan were clearly disclosed and finds no wrongdoing, therefore no refund will be provided. Should the Complainant have any additional questions or concerns regarding their account, we encourage them to contact TitleBucks directly at **************.

      We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.

      Sincerely,

      Consumer Protection
      PO Box 550
      *******************
    • Initial Complaint

      Date:06/20/2025

      Type:Order Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Loan ID: ***************** Customer ID: ********* In Sept 2023, I took a TitleMax loan and repaid $3,035.62. On Jan 10, 2024, I received a second loan for $4,350 and paid $2,347.11 toward it. I filed Chapter 7 bankruptcy in Arizona on July 25, 2024. TitleMax was notified. Despite the filing, late fees and interest continued between AugNov 2024, though they should have stopped upon filing. The bankruptcy was discharged Dec 24, 2024. During this period, I emailed TitleMax requesting a settlement and vehicle pickup but received no response. On Jan 9, 2025, I requested pickup againno action was taken, and collection calls resumed that same day. From June 913, 2025, I spoke with ***** at TitleMax corporate. She and her manager verbally confirmed a $3,500 settlement due by June 18. I requested it in writing but was told to send payment to receive the title and lien release. I again asked them to pick up the vehicle. The manager stated they did not want the car. On June 1617, I offered $2,500, then $2,000. ****** ******** (manager) said shed seek approval. ***** called back confirming $2,500 was approved if paid that day. I told her either my mother or **** ****** ********************** Adjuster) would pay. ********* at the Phoenix office confirmed the $3,500 offer was logged but not the $2,000. Later, TitleMax said the $2,500 offer was void due to third-party payment, despite previously allowing it. I emailed ****** ******** againno reply. On June 19, ****** acknowledged post-bankruptcy fees were invalid and recalculated the balance to $5,807.44. She said shed request removal. On June 20, ******** stated there were no notes, and the balance showed $6,765.27. A follow-up call to ******* was unproductive. To date, Ive paid $2,347.11 and attempted a $2,500 settlement, totaling $4,847.11. ********* offers have not been honored, post-bankruptcy fees remain, and collection calls resumed after discharge.

      Business Response

      Date: 06/27/2025

      June 27,2025

      Better Business Bureau
      **************************************

      RE: BBB Complaint ID ********

      BBB Dispute Resolution Team:

      Thank you for the opportunity to respond to the complaint filed by ***** ******* (Complainant).TitleMax of Arizona, ***** DBA TitleMax, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.

      To summarize, the Complainant states TitleMax continued to charge interest and late fees after being informed of their Chapter 7 bankruptcy filing. After the bankruptcy was discharged, the Complainant alleges they made several attempts to arrange for the lender to pick up the vehicle with no success. They also claim the lender agreed to a settlement that was not honored, and post-bankruptcy fees are still being charged. The Complainant is requesting the lender honor the alleged verbal settlement agreement of $2,500.00, the removal of any fees charged during their bankruptcy, and a lien release.

      A review of TitleMax records revealed that on January *******, the Complainant obtained a loan in the amount of $4,350.00 at a storefront in *******, **. The Complainant granted a security interest in a 2015 Chevrolet Camaro with a VIN ending in ******. The loan was contracted to be repaid in thirty-five (35) monthly payments of $579.14 beginning February 14, 2024, with a final payment of $577.10, due January 14, 2027.

      Payment history indicates six (6) payments were made on the loan. When the minimum payment was not made on June 14, 2024, the account entered a past due status. On July 24, 2024, when the Complainant informed TitleMax of their bankruptcy case, all collection efforts were immediately halted. It is important to note that Chapter 7 title loans continue to accrue interest until the loan is either paid in full or charged off. The loan will also continue to incur late fees if the Complainant retains the vehicle and fails to make their payments. Account records revealed that the loan was charged off on September 13, 2024, therefore, all interest and fees assessed between July 25, 2024, and September 13, 2024, are accurate and valid.

      To address the request for TitleMax to obtain possession of the vehicle, the Complainant may voluntarily surrender it at the TitleMax store where the loan originated during normal business hours.

      Regarding the settlement that was not honored, we were unable to corroborate an approved settlement offer for $2,500.00. TitleMax requested images of the vehicle to confirm its condition according to the Complainant, but our records indicate they were not sent. On June 17, 2025, the ***************************** contacted TitleMax to request a payoff balance and advised the storefront that a check would be mailed in for the full balance. As a result, on June 18, 2025,the storefront informed the Complainant that we had accepted the proposed payoff from the insurance company.

      TitleMax believes that the conditions of the loan were clearly disclosed and finds no discrepancy or concern in how the transaction was processed. For questions related to the insurance payoff, the Complainant is encouraged to contact their insurance agency. For any other questions or concerns, they may contact TitleMax at **************.

      We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.

      Sincerely,

      Consumer Protection
      PO Box 550
      *******************

      Customer Answer

      Date: 06/27/2025

      [If you do not say why you are rejecting the company's response, BBB must close your complaint.] 

      Complaint: 23499313

      I am rejecting this response because: 

      Regards,

      ***** *******

      Customer Answer

      Date: 06/30/2025

      May I request this be escalated; there is still a discrepancy.. ********************* can not reinstate and propose to pay the full amount of a settlement I made. They're NOT my insurance company; they do not represent me they're soley a payer. They're the insurer's who was at fault in the car accident. Progressive can not represent me or make decisions on my behalf. As I first mention. The first settlement amount offered to me was $3500. I was given until 6/18/2025 by ***** who works for the company and allegedly is assigned to the loan. All calls are recorded and monitored I am requesting the calls be pulled. Also, the information stated is incorrect. I made a payment of $1000.00 in June 2024 which was more than the minuimum amount to  be paid prior to the account going into default. This loan is the reason why I filed bankruptcy in July 2024. Also, you stated that fees aren't charged after charge off. The account went in chargeoff in Sept 2024. I was charged fees in October of 2024.  Lastly, my bankruptcy attorney made arrangements for the car to be picked up. The tow driver never showed; I called multiple occassions. If TitleMax is the lien holder I should be charging the company storage fees for not picking up the vehicle after arrangements were made. 

      Business Response

      Date: 07/08/2025


      July 8,2025

      Better Business Bureau
      ******************************************************

      RE: BBB Complaint ID ********

      BBB Dispute Resolution Team:

      Thank you for the opportunity to respond to the rebuttal referencing the complaint filed by ***** ******* (Complainant). TitleMax of Arizona, ***** DBA TitleMax, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.

      To summarize, the Complainant states TitleMax continued to charge interest and late fees after being informed of their Chapter 7 bankruptcy filing. After the bankruptcy was discharged, the Complainant alleges they made several attempts to arrange for the lender to pick up the vehicle with no success. They also claim the lender agreed to a settlement that was not honored, and post-bankruptcy fees are still being charged.

      A review of TitleMax records revealed that on January *******, the Complainant obtained a loan in the amount of $4,350.00 at a storefront in *******, **. The Complainant granted a security interest in a 2015 Chevrolet Camaro with a VIN ending in ******. The loan was contracted to be repaid in thirty-five (35) monthly payments of $579.14 beginning February 14, 2024, with a final payment of $577.10, due January 14, 2027.

      Payment history indicates seven (7) payments were made on the loan. When the minimum payment was not made on June 14, 2024, the account entered a past due status. On July 24, 2024, when the Complainant informed TitleMax of their bankruptcy case, all collection efforts were immediately ********* is important to note that title loans under Chapter 7 bankruptcy continue to accrue interest until the loan is either paid in full or charged off. The loan will also continue to incur late fees if the Complainant retains the vehicle and fails to make their payments. Account records revealed that the loan was charged off on September 13, 2024, therefore, all interest and fees assessed between July 25, 2024, and September 13, 2024, are accurate and valid. On July 7, 2025, a payment in the amount of $6,765.27 was posted to the account from *********************. The loan is now paid in full.

      To address the request for TitleMax to obtain possession of the vehicle, the Complainant had the option to voluntarily surrender it at the TitleMax store where the loan originated during normal business hours.

      In response to the allegation that an approved settlement that was not honored, we were unable to corroborate an approved settlement offer for $2,500.00. While a conditional settlement offer may have been discussed, nothing was finalized as TitleMax requested images of the vehicle to confirm its condition according to the Complainant. However, our records indicate the requested images were not received.

      TitleMax believes that the conditions of the loan were clearly disclosed and finds no discrepancy or concern in how the transaction was processed. TitleMax will continue to work with ********************* to release the lien on the vehicle. For any other questions or concerns, the Complainant may contact TitleMax directly at **************.

      We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.

      Sincerely,

      Consumer Protection
      PO Box 550
      *******************

      Customer Answer

      Date: 07/09/2025

      [If you do not say why you are rejecting the company's response, BBB must close your complaint.] 

      Complaint: 23499313

      I am rejecting this response because:

      Here is a link to listen to the voicemail from ****** a TitleMax **************** representative, confirming that a settlement amount of $2,000 was agreed upon with me ( ******************************** ) copy and paste the link into any browser select the play button.The voicemails supports my statement.

      ********************* is not my insurance provider and does not represent me in any capacity. Progressive is the insurer of the party responsible for the accident involving the vehicle. They are liable for paying their insureds debt related to the vehicle. Progressive contacted ***** at TitleMax to request the mailing address for the $2,000 settlement payment to remove the lien. After this contact, TitleMax changed its position and informed Progressive that, because they were an insurance company, the full payoff amount would be requiredthereby refusing to honor the original settlement agreed upon with me.

      In a previous response, TitleMax incorrectly stated that *********** negotiated the full amount. This is factually inaccurate. Progressive cannot and did not negotiate any debt on my behalf, as they are not authorized to represent me.


      Additionally, TitleMaxs claim that no charges were applied after September ********************************************* October 2024. Finally, despite having an open bankruptcy case at the time, I continued to receive collection calls from TitleMax, which is a violation of federal bankruptcy protections. I also have records of multiple calls I placed to TitleMax asking where to return the vehicle. This is a clear case of predatory lending and unlawful collection practices. If this matter cannot be resolved through BBB mediation, I will pursue legal action, including exploring class action litigation.


      Regards,
      ***** *******

      Business Response

      Date: 07/17/2025


      July 17,2025

      Better Business Bureau
      ******************************************************

      RE: BBB Complaint ID ********

      BBB Dispute Resolution Team:

      Thank you for the opportunity to respond to the rebuttal referencing the complaint filed by ***** ******* (Complainant). TitleMax of Arizona, ***** DBA TitleMax, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.

      As stated in our previous response, in response to the allegation that an approved settlement that was not honored, we were unable to corroborate an approved settlement offer for $2,500.00. While a conditional settlement offer may have been discussed, nothing was finalized as TitleMax requested images of the vehicle to confirm its condition according to the Complainant. However, our records indicate the requested images were not received.

      On July 7, 2025, a payment in the amount of $6,765.27 was posted to the account from ********************** The loan is now paid in full,and the lien has been released. TitleMax considers this matter properly addressed and closed. For any other questions or concerns, the Complainant may contact TitleMax directly at **************.

      We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.

      Sincerely,

      Consumer Protection
      PO Box 550
      *******************
    • Initial Complaint

      Date:06/20/2025

      Type:Order Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      There was a title loan received and paid and I attempted to sell the car and found there was a lean I contacted title max on 5:13/2025 and was told there was no longer a lean and the document of proof will be mailed and received in 30 days. The letter was not received I called they told me they have to investigate as to why this has not been done. I told them that this is very important and I need an update asap and I cannot wait another ************************************************************************************************************************ when it is not my fault

      Business Response

      Date: 06/24/2025


      June 24,2025

      Better Business Bureau
      **************************************

      RE: BBB Complaint ID ********

      BBB Dispute Resolution Team:

      Thank you for the opportunity to respond to the complaint filed by ******* *******
      (Complainant). TitleMax of Virginia, ***** DBA TitleMax, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.

      To summarize, the Complainant states they paid off a title loan with TitleMax but there is still a lien on the vehicle. They claim they previously requested a lien release and were told they would receive it within thirty (30) days but still have not received it.

      A review of TitleMax records revealed that on December *******, the Complainant obtained a loan in the amount of $1,015.00 at a storefront in **************, **. The Complainant granted a security interest in a 2007 ***** Odyssey with a VIN ending in ******. The loan was contracted to be repaid in eleven (11) monthly payments of $211.18, beginning January *******, with a final payment of $210.56, due December 18, 2020. Payment history indicates there were eleven (11) payments made on the loan. On February ******, the Complainant paid off the remaining balance of $198.62 and their title was promptly returned with a lien release signature.

      Concerning their lien release, records revealed that a lien release request was submitted on May 13, 2025. As a gesture of goodwill, a second lien release request was submitted to be mailed to the address provided within their complaint. Please allow up to fourteen (14) days for the lien release to be mailed via ****. The Complainant is encouraged to contact TitleMax directly at ************** with any other questions or concerns regarding their account.

      We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.

      Sincerely,

      Consumer Protection
      PO Box 550
      *******************
    • Initial Complaint

      Date:06/09/2025

      Type:Customer Service Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Speedy Cash is a payday loan company. I got a loan from them on 5/13/2025. i submitted a postdated check as always. Check no. 288 Due date 06/04/2025 It is 06/09/2025. Called to inquire why the check was not cashed. and no one national or local knows anything. Very frustrating. Can't find out if they lost it or what.

      Business Response

      Date: 06/11/2025


      June 11,2025

      Better Business Bureau
      ************************************************************************

      RE: BBB Complaint ID ********

      BBB Dispute Resolution Team:

      Thank you for the opportunity to respond to the complaint filed by **** ***** (Complainant).******************, DBA Speedy Cash, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.

      To summarize, the Complainant states they got a loan and submitted a post-dated check, but the check was not cashed for the payment. They request for the business to contact them.

      A review of TitleMax records revealed that on May 13, 2025, the Complainant obtained a loan in the financed of $200.00 at a storefront in ********, **. The loan was contracted to be repaid in full in the amount of $235.30, due June 4, 2025.Payment history indicates the account was paid in full when a card payment of $235.30 was successfully processed on June 5, 2025.

      Regarding the Complainants check not being deposited on the due date, we appreciate you for bringing this matter to our attention. We have forwarded your concerns to the appropriate members of management to investigate further. We sincerely apologize for any frustration the Complainant may have experienced.

      For any other questions regarding their account, we encourage the Complainant to contact Speedy Cash directly at ***************.

      We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.

      Sincerely,

      Consumer Protection
      PO Box 550
      *******************
    • Initial Complaint

      Date:06/04/2025

      Type:Order Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.

      When I First Took Out A Loan For My Title, I Only Had To Pay The Monthly Fee That Was Given To Me. I Agreed To That, Which Interest Has Always Been High.

      The Beginning Of The Year Of 2025, Somehow They Made Me Sign A Contract To Pay In 5 Installments Or Else My Title And Car Will Be Owned By Them.

      I Noticed That My Principle And The Total Towards My Title Have Not Barely Been Anything Towards Me Getting My Title Back.

      The 5th Payment Supposedly Says I Have To Pay $2,500 All At Once In Order To Receive My Title.

      This Is Not What I Signed Up For Back In October, I Would Have NEVER Took The Loan, Just For Them To Change Things Once I Already Took Out A Loan Is Insane.

      My Rent Is Already $2,300 A Month, Plus Utilities, How In The World Can I Afford Getting My Title Back, When I’ve Been Making Monthly Payments, Even Paying Extra And Only A Few Dollars Has Went Towards Me Getting My Title Back.

      This “New Law/Contract” Should Be Illegal, Again, This Is NOT What I Signed For When I First Took Out The Loan, I Would Have Never Taken The Loan If I Known I Had To Pay A Big Amount All At Once Like This.

      The Vehicle Is Now Broken Down, I Can’t Even Get It Fixed Because Of All Of These Payments And I’m Steady Being Threatened Of Them Signing My Title Over.

      Me And My Children DO NOT DESERVE THIS AT ALL. They Made It 10 Times Worse To Even Get The Title Back. There’s Nooo Way Any Human Should Be Going Through This,

      This Is Wayyy Tooo Much Just For A Loan I Already Paid Overtime Within The 6-7 Months, Now I Have To Pay Another $2,500, All At Once?

      INTEREST IS EXTREMELY HIGH, Nothing Has Barely Went Towards Me Getting My Title Back. The Vehicle Keeps Breaking Down, I Can’t Even Get It Fixed Due To ALLL THE BILLS I HAVE,

      $2,500 Is Beyond Me And My Family, That Is More Than My Rent. It’s Unfair That They Would Change The Contract AFTER I Already Took The Loan Out, This Has To Be Illegal. Y’all Are Getting Over ??????

      Business Response

      Date: 06/09/2025

      ****************

      Thank you for the opportunity to respond to the complaint
      filed by ********** **** (Complainant). Titlemax Of Texas, Inc., DBA
      Titlemax, a member of Community Choice Financial® family of brands,
      appreciates the role of the Better Business Bureau in resolving consumer
      concerns. We are happy to provide this response.

      To summarize, the Complainant states
      they originally had a monthly fee but were made to sign a 5-month contract or
      else their title and car would be owned by TitleMax. They claim that they did
      not sign up for this high interest agreement and the vehicle is now broken
      down. They are requesting a refund or billing adjustment.

      TitleMax of Texas, Inc., DBA TitleMax is a registered
      Texas Credit Services Organization (“CSO”) and assists consumers in obtaining
      loans from willing, unaffiliated lenders. TitleMax services the loan but is not
      a lender in Texas. TitleMax charges a CSO fee in the amount permitted by Texas
      law.

      A review of TitleMax records revealed that on October 24,
      2024, the Complainant obtained a loan with First Star Financial, LLC in the
      amount of $1,533.00 at a storefront in Plano, TX. The Complainant granted a
      security interest in a 2006 Infiniti FX35 with a VIN ending in ******. The loan
      was contracted to be repaid in full in the amount of $1,854.48, due November
      23, 2024.

      However, to the extent the Complainant did not wish to repay the loan
      in full, they had the option to pay the outstanding interest and fees,
      refinance the loan and enter into a new agreement.

      On November 5, 2024, the
      Complainant made a payment in the amount of $128.59 and refinanced their
      existing loan in the amount of $1,533.00, borrowing an additional $600.00. The
      loan was contracted to be repaid in full in the amount of $2,558.80, due
      December 5, 2024.

      TitleMax may discontinue certain loan models and/or offer
      additional models from time to time. As such, when the Complainant refinanced
      the loan on December 16, 2024, the Complainant was offered a loan product with
      a term of five (5) months, however, the Complainant was also given the ability
      to pay the loan off in full with no penalty. The Complainant completed the
      refinance themselves online via the customer portal by making a payment in the
      amount of $567.45. The new loan was contracted for a total of five (5)
      payments due monthly beginning January 15, 2025, with the first payment being $398.17,
      the following three (3) payments in the amount of $398.15, and a final payment
      of $2,612.00, which represents the final CSO fee along with the principal and
      interest to the lender, due May 15, 2025.

      Payment history on the most recent refinance indicates there
      have been six (6) payments made on the loan in the total amount of $1,820.77.
      When the payment was not made on May 15, 2025, the account entered a past due
      status. The Complainant currently has a past due balance of $2,444.59 but it is
      subject to change due to interest and/or fees that may be accruing.

      At the time of loan origination and each subsequent
      refinance, the Complainant signed a Loan Agreement, Promissory Note and
      Security Agreement that clearly discloses the annual percentage rate, finance
      charge, amount financed, total of payments and the repayment schedule in
      accordance with the Federal Truth-in-Lending Act and Regulation Z. The
      Complainant was provided with a digital copy of the loan agreements and ample
      time to review them prior to signing. By signing the agreements, the
      Complainant acknowledged their understanding of the terms and conditions of
      each agreement.

      TitleMax believes that the conditions of the loan were
      clearly disclosed and finds no discrepancy or concern in how the transaction was processed, therefore no
      billing adjustment or refund will be provided. The Complainant remains bound to
      the terms of the agreement they signed on December 16, 2024. Should the
      Complainant have any additional questions or concerns regarding their account,
      we encourage them to contact TitleMax directly at ###-###-####.

      We hope that we have fully addressed the complaint. Should
      the Complainant or Better Business Bureau require
      further explanation, we may be reached at *****************************

      Sincerely,

      Consumer Protection
      ** *** ***
      ********** ** *****

      Customer Answer

      Date: 06/13/2025

      They Changed Their Loans. When I First Signed Up For This Back In September/October I Did Not Have To Make 5 Installments. I WOULD HAVE NEVER SIGNED FOR THE LOAN OR TOOK THE LOAN. I Was Not Aware They Were Gonna Do This. There’s No Way A Person Can Afford To Pay Their Rent Plus A High Balance Paid Off, It’s Bad Enough The Interest Is High.
    • Initial Complaint

      Date:06/03/2025

      Type:Customer Service Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      The 31th May 2025 $470 dollars paid off the Chech into Cash but there wont reborrow in my account that is why there already reckoned new Speedy Cash business this time before I accurate to paid off them on the time. I lost only $70.00 every monthly.

      Business Response

      Date: 06/06/2025


      June 6,2025

      Better Business Bureau
      **************************************

      RE: BBB Complaint ID ********

      BBB Dispute Resolution Team:

      Thank you for the opportunity to respond to the complaint filed by ***** ******* (Complainant).Buckeye Check Cashing Of *************, DBA Check Into Cash, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.

      To summarize, the Complainant states they paid off their loan, but they cannot reborrow and request a refund.

      A review of Check Into Cash records revealed that on April *******, the Complainant obtained a loan the amount of $400.00 at a storefront in *******, **. The loan was contracted to be repaid in full in the amount of $470.58, due May 31, 2025. On May 31, 2025, the Complainant paid the loan in full.

      Due to a business decision, the location where the Complainant borrowed their initial loan has been rebranded into Speedy Cash.The Complainant is welcome to apply for a loan with Speedy Cash, though it is important to not that loan approval is never guaranteed.

      We believe that the conditions of the loan were clearly disclosed and finds no discrepancy or concern in how the transaction was processed. We encourage the Complainant to contact their local storefront at ************** for any additional questions.

      We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.

      Sincerely,

      Consumer Protection
      PO Box 550
      *******************
    • Initial Complaint

      Date:06/03/2025

      Type:Billing Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Auto title loan 01/2024. 1st $5k increase by $2k. Come out to $7k loan. At start paying $500/mo. Increase went up to $703/mo. I figured the money was put towards int/principal of loan. To date was only paying interest all this time. Nothing to bring down the principal. Outstanding amount $8200+ late fees. I quit paying getting nowhere with what they doing. Is this a legal practice. If to payoff ** have to pay the $703/mo. And have put $ towards the principal. Or bring in $8200+. Somehow it doesnt feel right. Im screwed the way I see it. They threatened me with REPO!! What can I do??Dont want lose the vehicle. I request contract via Email. Cannot provide. Only thru ****. Only twice was able to verify my online account. Now I cant get in there. The way I see it. What *** paid since 01/24 shouldve covered or paid off the loan amount.

      Customer Answer

      Date: 06/05/2025

      ****** ****** <*****************************>
      10:28 AM (3 hours ago)
      to disputeresolution


      I requested updated contract that includes the $2k increase. Have not received one.
      Sent copy of contract


      Regards,
      ****** ******
      Sent from Arnolds iPhone

      Customer Answer

      Date: 06/05/2025

      ****** ****** <*****************************>
      Attachments
      10:26 AM (3 hours ago)
      to disputeresolution


      Contract screen shot
      Sent from Arnolds iPhone

      Business Response

      Date: 06/06/2025

      June 6, 2025

      Better Business Bureau
      *************************************

      RE: BBB Complaint ID ********

      BBB Dispute Resolution Team:

      Thank you for the opportunity to respond to the complaint filed by ****** ****** (Complainant). TitleMax of Arizona****** DBA TitleMax, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.

      To summarize, the Complainant claims their payments have only been applied toward the interest. The Complainant also claims they have been threatened with repossession after they stopped paying on the loan. They further claim they are unable to access their online customer account.  The Complainant is requesting a copy of the contract, a billing adjustment, and an explanation of charges.

      A review of TitleMax records revealed that on November 22, 2023, a title loan was obtained in the amount of $5,000.00 at a storefront in Show Low, **. The Complainant granted a security interest in a ***************************************** J16636.The loan was contracted to be repaid in forty-seven (47) monthly payments in the amount of $514.42 beginning on January 1, 2024, and a final payment in the amount of $512.17 due on December 7, 2027. On June 5, 2024, the Complainant made a payment of $155.00 and refinanced their existing loan of $4,999.42,borrowing an additional $2,000.00. The loan was contracted to be repaid in forty-seven (47) monthly payments in the amount of $702.88 beginning on July ******, and a final payment in the amount of $701.38 due on June 3, 2028.

      A review of the payment history on the most recent refinance indicates there have been seven (7) payments made on the loan in the total amount of $5,625.00. When the payment was not made on March 3, 2025, the account entered a past due status and has since accrued three (3) late fees in the amount of $35.14 each. The Complainants account currently has a balance of $9,865.20 but that is subject to change due to interest and/or fees that may be accruing.

      At the time of loan origination and refinance, the Complainant signed a *************** Vehicle Finance Transaction Contract that clearly disclosed the annual percentage rate,finance charge, amount financed, total of payments and the repayment schedule in accordance with the Federal Truth in Lending Act and **************** addition, the agreement includes notices on Interest; Application of Payments;Prepayments which states:

      Interest will accrue daily on the outstanding principal balance. The interest rate is ********% per year (which is based on a monthly rate of ******%). Interest accrues from the Loan Date until the first to occur of (a) the Loan is paid in full, and (b) the day that is 90 days after the final Payment Due Date. Interest accrues based on the number of days elapsed over a 365-day year. Lender calculates and charges interest, including interest on past due principal,under Arizona Revised Statutes ****** et seq. If any finance charge or other fee is held invalid, the remainder shall remain in effect. Lender applies payments first to unpaid interest, then to fees, and then to unpaid principal. The Payment Schedule and Finance Charge above assume that I pay all installments in full on the Payment Due Dates. I will owe less interest if I pay early or prepay. If I pay late or do not pay in full, I will owe more interest.  I may prepay this Loan at any time without penalty. Interest as used in this Contract means the secondary motor vehicle finance rate for purposes of Arizona Revised Statutes ****** et seq.

      By signing this agreement, the Complainant acknowledged their understanding of the terms and conditions of the loan. TitleMax affirms that all payments have been properly applied to the account.

      To address the Complainants claim that they have been threatened with repossession, TitleMax strongly abides by the Fair Debt Collection Practices Act and does not engage in threatening or harassing tactics in order to collect legitimate debt.TitleMax has informed the Complainant of the risks of not keeping the account current. *********************** is committed to treating its valued customers in a fair,honest, and transparent manner. TitleMax reasonably ensures that its development, delivery, and servicing of products will not result in an act or practice that is unfair, deceptive, or abusive. In response to the Complainants complaint, TitleMax has honored their request to not be contacted by phone.

      TitleMax operates under a paperless procedure where the customer can electronically sign each document, and these electronically signed documents are stored in a secure customer portal. Electronically signing documents is not a requirement;however, on November 22, 2023, the Complainant consented to receiving all loan documentation through electronic delivery. After consenting, TitleMax provided the Complainant with log in credentials to access the secure customer portal to view the documents at any time. As part of our security protocols, we are unable to assist with certain transactions via email, however the option to receive the contract via **** is available to the Complainant.

      As we believe that the conditions of the loan were clearly disclosed and cannot find any evidence of wrongdoing, the billing adjustment will not be accepted at this time. TitleMax strives for excellent customer service and remains willing to work with the Complainant to assist them in paying back their loan. We encourage the Complainant to contact TitleMax at ************* to arrange a mutually acceptable repayment arrangement for this account.

      We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.

      Sincerely,

      Consumer Protection
      PO Box 550
      *******************
    • Initial Complaint

      Date:06/03/2025

      Type:Product Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I received a loan in the amount of $840.00 on 3/31/2025. The loan was paid in full on 4/23/2025. Upon requesting the return of my car title I was told that it would be mailed from ******, ** and that i should receive it within 10 business days. May 5, 2025. I was told that it was mailed on the 18th of May, 2025. Today is June 2nd and I have finally received my title. The delay was stressful. they told me to file for a brown title. i was not ok with that. Please be aware of such irresponsibility

      Business Response

      Date: 06/06/2025


      June 6,2025

      Better Business Bureau
      **************************************

      RE: BBB Complaint ID ********

      BBB Dispute Resolution Team:

      Thank you for the opportunity to respond to the complaint filed by ***** ********** (Complainant). ***************, DBA Speedy ****, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.

      To summarize, the Complainant states they were advised they should receive their title within ten (10) business days after the payoff date of April 23, 2025, but did not receive it until June 2, 2025.

      *************** DBA Speedy **** is a registered Texas Credit Access Business (CAB) and assists consumers in obtaining loans from willing, unaffiliated lenders. Speedy **** services the loan but is not a lender in *****. Speedy **** charges a CAB fee in the amount permitted by Texas law.

      A review of Speedy **** records revealed that on March 31, 2025, the Complainant obtained a loan with First Star Financial, LLC, in the amount of $873.00 at a storefront in *******, **. The Complainant granted a security interest in a 2015 ****** Versa with a VIN ending in ******. The loan was contracted to be repaid in five (5) monthly payments of $218.25, beginning April 23, 2025, and a final payment of $1,133.34, representing the final CAB fee, principal, and lender interest,due September 23, 2025. Payment records indicate that the Complainant paid the account in full in the amount of $1,096.50 on April 22, 2025. The Complainants Electronic Lien was released on May 18, 2025.

      Regarding the time it took to receive their title, we appreciate the Complainant for bringing this matter to our attention. We have forwarded their concerns to the appropriate members of management. We sincerely apologize for any frustration they may have experienced.  

      The Complainant is encouraged to contact Speedy **** directly at ************** for any other questions or concerns they have regarding their account.

      We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.

      Sincerely,

      Consumer Protection
      PO Box 550
      *******************
    • Initial Complaint

      Date:06/02/2025

      Type:Service or Repair Issues
      Status:
      AnsweredMore info

      Complaint statuses

      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.

      Good morning, In a emergency before my wedding day I pulled a Title loan from Titlemax in August 16th 2024. It was for $8,900 and to this day every month I pay $1,433.12 - $1,644.57, the amount still totals to over $10k.

      On January 22nd 2025 at 2:02pm, my personal vehicle (2019 ****** Camry LE) was towed due to a payment that was missed by accident as I had assumed it went through. After 15 minutes of realizing it was towed, I called all around and was advised it was by Titlemax in which I called to make the payment and have it released. I was told to come into the office, so I had to Uber an hour to their office from **** to Spring.

      Paid in person and was told I will have to wait 1 week to pick up my car at ***. Picked up the vehicle on January 29th 2025 leaving work early to make it in time at 3:59pm is when I found my car would not start, noticed the splashguard was hanging and dragging underneath the vehicle, I sat inside only to realize it was completely wet inside, including the passenger seat and the rear seats, even the trunk was wet with a strong mildew smell.

      I opened a claim with *** only to be told this is with Titlemax but TItlemax will not take responsibility and says it is ***. Both organizations will not take responsibility.

      I have photos and videos from the beginning to the time of pick up. This had worried me of my health and expenses to remove any future corrosion underneath the car's carpet/connectors/wiring/airbags/etc... Mold is something that worries me the most.

      They broke into the driver's front door, bending and causing damages to the paint, very visible.

      I continued to be patient with Titlemax to this day they still are delaying any assistance and not helping.

      Please if possible I would really like to have this matter resolved or come to a agreement.

      Thank you - ******* **** **************

      Business Response

      Date: 06/05/2025

      June 5,2025

      Better Business Bureau
      **************************************

      RE: BBB Complaint ID ********

      BBB Dispute Resolution Team:

      Thank you for the opportunity to respond to the complaint filed by ******* **** (Complainant). TitleMax of *********** DBA TitleMax, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.

      To summarize, the Complainant states their balance is greater than the original loan amount despite making their monthly payments.They also claim after redeeming their repossessed vehicle, they had to wait a week before they could pick it up, and that multiple damages were done to the vehicle. They state they filed a claim with ***, however both *** and TitleMax claim the other company is responsible. The Complainant is requesting for their vehicle to be repaired and disputing $4,429.38.


      TitleMax of ***********, DBA TitleMax is a registered Texas Credit ********************* (CSO) and assists consumers in obtaining loans from willing,unaffiliated lenders. TitleMax services the loan but is not a lender in ******TitleMax charges a CSO fee in the amount permitted by Texas law.


      A review of TitleMax records revealed that on August 16, 2024, a title loan was obtained with First Star Financial, LLC in the amount of $8,933.00 at a storefront in *******, **. The Complainant granted a security interest in a 2019 ****** Camry with a VIN ending in ******. The loan was contracted to be paid off over the course of five (5)months with the first fees and interest payment of $1,644.57 due on September 20, 2024, followed by three (3) monthly fees and interest payments of $1,433.12 beginning on October 20, 2024, and a final payment of $1,433.12 representing the final CSO fee and $9,315.29 representing the principal and lender interest,both due on January 20, 2025.


      A review of the payment history indicated the Complainant made three (3)payments on the loan before defaulting on the installment due on December *******. On January 22, 2025, the vehicle was recovered due to this nonpayment and a repossession fee of $435.00 was assessed onto the balance. The same day, the Complainant made a payment of $3,688.41, to redeem the vehicle and refinanced their existing loan of $8,933.00. The loan was contracted to be paid off over the course of five (5) months with the first fees and interest payment of $2,114.44 due on March 8, 2025, followed by three (3) monthly fees and interest payments of $1,433.12 beginning on April 8, 2025,and a final payment of $1,433.12 representing the final CSO fee and $9,339.64 representing the principal and lender interest, both due on July 8, 2025.


      A review of the payment history of the most recent refinance indicates there have been four (4) payments, totaling three (3)installments made on the loan. As of the date of this response, the Complainants loan is current.


      At the time of each loan origination and subsequent refinance,the Complainant signed a Loan Agreement, Promissory Note and Security Agreement that clearly discloses the annual percentage rate, finance charge, amount financed, total of payments and the repayment schedule in accordance with the Federal Truth-in-Lending Act and **************** signing the agreements, the *********** acknowledged their understanding of the terms and conditions of each agreement.

      Regarding the Complainants claim that their balance is more than the original loan amount, it should be noted the Complainant has only paid the minimum amount due on several occasions, which typically only covers interest and fees. Should the Complainant wish to see a reduction in principal,the Complainant must pay more than the minimum amount scheduled.

      TitleMax encourages customers to use this product as a short-term financial solution and whenever possible, pay off early to avoid accruing interest.The balance may be paid back at any time with no penalty for early payoff.

      Concerning the claim of having to wait a week to pick up the vehicle, it is important to note that appointments to redeem are made based on availability. Once the vehicle arrived on *** premises on January 25, 2025, the Complainant was able to book an appointment for January 29, 2025, to retrieve their vehicle. It should also be noted that *** is not open on weekends.

      To address the multiple damages allegedly sustained during repossession, it should be noted that the alleged damage occurred when the vehicle was recovered by an unaffiliated third-party vendor, and not while it was in TitleMaxs possession. Accordingly, any recourse the Complainant may have should be directed to Insurance Auto Auctions (IAA) at ************** and/or the recovery agent, Collateral Recovery Team at **************. 

      TitleMax believes that the conditions of the loan were clearly disclosed and finds no discrepancy or concern in how the transaction was processed. Should the Complainant have any additional questions or concerns regarding their account,we encourage them to contact TitleMax directly at *************.

      We hope that we have fully addressed the complaint. Should the Complainant or Better Business Bureau require further explanation, we may be reached at ************************************.

      Sincerely,

      Consumer Protection
      PO Box 550
      *******************

      Customer Answer

      Date: 06/08/2025

      [If you do not say why you are rejecting the company's response, BBB must close your complaint.] 

      Complaint: 23406308

      I am rejecting this response because: 

      I contacted the company *** (stating they opened a claim but are only a Third party company to Titlemax and because Titlemax is refusing to assist they can not do anything). I also walked into the original store Titlemax many time during that time to speak to the consultant who provided me with the loan from the beginning but could not give me any further updates or place me in contact with his supervisor no matter how many times I have insisted for help in this matter. 

      I also contacted the Collateral recovery team and was shown evidence it was dropped off at the *** facility with no damages or lowered windows. 

      During the time in IAA the windows were lowered and battery terminal was removed so they were not able to raise the windows back up causing serious water intrusion. Along with the door damages. All evidence is photographed and video, since the time of tow thanks to the facilities nearby at the time.

      I have spoken with a legal team but have decided to go this route before taking any serious measures.

      All I ask is for sympathy and to take responsibility with all due and respect to my property.

      Thank you


      Regards,

      ******* ****

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