Complaints

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.

• Initial Complaint

  Date:01/25/2023

  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.

  Took out a loan on 12/19 for 2518 someone at this location called me on 1/18 to remind me to make my $402 finance payment I specifically asked her was there any way to avoid additional finance fees as I know I would be able to payoff the loan on 1/23 she lied and said if I made the current payment the additional finance charges of $402 would not be applied to the account by 1/23. Of course that wasn't true when i went to pay yesterday costing me an additional $402 just 3 days later. Had she been honest I would have made alternate arrangements to get loan paid on the 18th. Additionally when I questioned them about the information I was given they lied again and stated there was no record of them even calling me which of course I have on my phone. So she told another lie to cover up the first lie. Contacting corporate is also a joke was on hold for almost an hour no one ever came on the line. This company is clearly still using predatory practices to get more money out of people. I can accept the truth but lies have no place in business.

  

  Business Response

  Date: 02/24/2023

  Thank you for forwarding Ms. ****** **********’s  complaint to TitleMax of *******,
  Inc. d/b/a TitleMax (“TitleMax”)

  
  Ms. ********** complaint alleges "someone at [the
  TitleMax} location called [her] on 1/18 to remind [her] to make [a] $402
  finance payment [.] [She] specifically asked [the employee] was there any way
  to avoid additional finance fees as I know I would be able to payoff the loan
  on 1/23[.] [The employee] lied and said if I made the current payment the
  additional finance charges of $402 would not be applied to the account by 1/23.
  Additionally [,] when I questioned them about the information [,] I was given
  they lied again and stated there was no record of them even calling me which of
  course I have on my phone. So [,] she told another lie to cover up the first
  lie. This company is clearly still using predatory practices to get more money
  out of people. "

  
  Ms. ********** entered into a 30-day Pawn Transaction
  (the “Agreement”) with TitleMax on December 19, 2022, in the original principal
  amount of $2,518.00 (the “Pawn”) and pledged the 2019 Nissan Sentra (the
  “Vehicle”) as collateral.  Pursuant to the
  Agreement, she agreed to pay the entire balance due on the Pawn on or before
  the due date of, or, to the extent you chose not to repay the entire balance,
  you could, at a minimum, pay the pawn shop charges and renew the Pawn for an
  additional thirty (30) days.
  

  Pursuant to the Agreement bearing her signature,
  “You promise to pay
  Pawnbroker, or to Pawnbroker’s order, the principal sum of  $2,518.00 plus a Pawnshop Charge in the
  amount of $402.62 with the total amount of $2920.62 (being the amount to redeem
  the Vehicle) due and payable on 01/18/2023 (the “Maturity Date”).” “The
  Pawnshop Charge shall be deemed earned, due, and owing as of the Pawn Date.”

  
  Based on TitleMax’s point of sale system, the account
  was accurately assessed the Pawnshop Charge for $402.62. Further a payment of 2,290.63
  was made on January 23, 2023, via the online customer portal. This payment allowed
  Ms. ********** to meet her obligations according to the Agreement and pay off
  the account.
  Based on the above, my investigation reveals no
  wrongdoing on the part of TitleMax. We show no record of the above-mentioned
  conversation with the employee and Ms. **********. However, TitleMax strives to
  maintain excellent customer service and appreciates all feedback from its
  customers and thanks you for your complaint. Thank you. 

• Initial Complaint

  Date:01/17/2023

  Type:Delivery 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 PAID MY TITLEMAX LOAN OFF 10/27/2017! I CANNOT GET A REPONSE FROM ANYONE, EXCEPT *** ******* WHO SAYS TITLEMAX NEEDS TO RELEASE THE LIEN. I AM ATTACHING PAYOFF RECEIPT, LETTER FROM ** DEPT OF MOTOR VEHICLES INFORMING ME THERE IS A LIEN ON MY VEHICLE, WHEN I TRIED TO GET A COPY OF MY TITLE.

  

  Business Response

  Date: 02/17/2023

  On January 25, 2023 a certified letter was mailed to Ms. ***** indicating - Please allow this letter along with the enclosed
  documents serve as confirmation that TitleMax, no longer has an interest in the
  above referenced Vehicle and as of October 27, 2017, released its lien on the title
  to the same. If you have any questions, please contact our Customer Service
  Department at ***** ******** and they will be happy to assist you. 

   

• Initial Complaint

  Date:01/03/2023

  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.

  My husband went to the TitleMax at 71 Uvalde Rd to obtain a title loan and it was given to him. Approximately $4600. When I became aware of this I called several TitkeMax locations to determine what the process was for obtaining a loan and I looked at their website. I was told by 3 different TitleMax locations that both parties on the title had to go in person with proof of identity and I read on the website that proof of income was also required. My husband does not work so he has no proof of income and I did not go with him to obtain this loan. I tried discussing this with the manager who was not helpful and quite rude. I don’t feel like my husband would have gotten this loan if the process that is in place would have been followed. It makes me angry that I now must pay this loan or lose my vehicle.

  Customer Answer

  Date: 01/25/2023

  attached

  

  Business Response

  Date: 02/07/2023

  Thank you for forwarding Ms. ****** ******* complaint
  to ******** of Texas, Inc. d/b/a ******** (“********”)

  
  
  

  Within the complaint to the Better Business Bureau, Ms.
  ****** claims her husband received a loan from ******** with “no proof of
  income”.  She further alleges she “does
  not feel like [her] husband would have gotten this loan if the process that is
  in place would have been followed”.

  
  
  

  Please note that
  ******** takes protection of its customer confidential information very
  seriously.  Accordingly, as Ms. ****** is
  neither a ******** customer herself or a co-borrower on a ******** loan,
  ******** cannot discuss with her specifics on any alleged account or the
  alleged incident(s) referenced in her complaint.  Please encourage her to obtain a notarized
  letter of authorization signed by the alleged customer that allows ******** to
  discuss the details of a specific account with her and submit this information
  to Legal, C/O ********, 15 Bull Street, Suite 200, Savannah, GA 31401.  Upon receipt, a ******** representative will
  be happy to provide an updated response concerning the authorized account or
  its investigation, if applicable.  

  
  
  

   

  
  
  

  Sincerely,

  
  
  

   

  
  
  

  ********
  

• Initial Complaint

  Date:12/14/2022

  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 had my son take a $400 payment in on my loan with them ,And because I didn't go online and sign for the payment made my account is now delinquent $157 and that $400 payment went to nothing and is just gone .PLEASE HELP ME WITH THIS .This is the most underhanded hassle I've ever seen or been through .

  Customer Answer

  Date: 12/16/2022

  I did my best in signing and dating the release I hope it's acceptable.THANK YOU SOOO VERY MUCH FOR YOUR HELP .They are attempting to steal my money and I'm on Disability payments ,So I really really need yalls help.

  

  Business Response

  Date: 01/06/2023

  Thank you for forwarding Mr. ******* ****** complaint
  to TitleMax of *****, Inc. d/b/a TitleMax (“TitleMax”)

  
  
  

  Within the complaint to the Better Business Bureau,
  Mr. **** alleges asked his son to “take a $400.00 payment in on [his] loan with
  [TitleMax].” Mr. **** also claims “because [he] didn’t go online and sign for
  the payment made [his] account is now delinquent $157.00, and that $400.00
  payment went to nothing and is just gone.”

  
  
  

  TitleMax has investigated the allegations in the letter
  and the investigation reveals no wrongdoing on TitleMax’s part.  According to TitleMax records, all Mr. ******
  payments have been applied correctly to his account.  Regarding Mr. ****** allegation of his
  account being “delinquent $157.00”, there is nothing to support this.  Mr. **** originally entered into a 30-day
  transaction with TitleMax acting as a ****** ******** ************ (“***”).  At the end of the thirty (30) day term, the entire amount of
  the Loan becomes due and owing, as outlined in the Loan Documents. To the
  extent he did not wish to repay the entire balance he could, at a minimum, pay
  the *** Fee and interest and refinance the Loan for another thirty (30) days
  and enter into a new *** Contract with TitleMax and a new Agreement.  Mr. **** elected to refinance his loan.  As indicated in the *** Contract, in order to
  complete the refinance, Mr. **** was to “meet all of the conditions for
  obtaining a renewal on or before the Payment Due Date”.  These conditions were not met as Mr. **** did
  not complete and sign the loan refinance documents ultimately causing a late
  fee.  On December 13, 2022, Mr. **** was
  instructed by store personnel to visit the TitleMax where the loan originated
  to complete the process of the refinance. To date this has not been completed
  giving TitleMax the right to execute any remediation per the Loan Documents and
  Agreement.

  
  
  

  Based on the above, TitleMax has acted
  appropriately in the handling of Mr. ****** account and no wrongdoing on the
  part of TitleMax is found. Nevertheless, we remain committed to provide him
  with excellent customer service and highly encourage him to reach out to the
  store location where he originated the loan and store personnel would be more
  than happy to discuss payment options and answer any question she may have
  regarding the account.

  
  
  

   

  
  
  

  Sincerely,

  
  
  

   

  
  
  

  TitleMax 

• Initial Complaint

  Date:12/12/2022

  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.

  I took out a loan with ******** against my car. I have been making payments on that loan. My tags expired in August and I went to *** to renew those tags. *** stated to me that there was a repo on my car and that they could not renew my tags. I was not aware of that so I contacted my local ******** in ***** *******. ****** is the one who assisted me and she has always been extremely rude and condescending to me, I asked her about it, and she stated to me that it was their mistake, and she had sent the paperwork to ***********, *** to get it fixed. A few days later, I contacted ****** again and asked her if it had been taken care of, she stated to me that it had been . I went back to *** ** ***** ******* and waited three hours in line only to be told that the repo is still there. I contacted ******** again, and ****** laughed at me and then proceeded to ask me. “well, I sure hope you haven’t been driving the car since August. How have you been getting a round coat “. I kindly explain to her that it was none of her business and that it was an inconvenience to me and my livelihood that I could not get my tax and that I have done everything I am supposed to do and I expected the same from them. She insisted it was fixed so I called the corporate office. I talk to ******** And she listened to my complaint and I asked to speak to a manager. She refused to send me to a manager and instead put me back in the rotation to customer service. I called back again and spoke to ******** and this time she transferred me to the local ****** ******** . I called corporate a third time and spoke to ******** and she told me there was nothing she could do for me. I explain to her that I had a form the *** gave me and I wanted to have them fill it out so I could take it to *** and get my tags. She stated they don’t do that kind of thing. I have no resolution and I believe they have been overcharging me on my loan. When I ask them for copies of my loan documents, they told me they don’t give paper copies and you would have to get it online. I think they are ripping people off, and I think that they will take the car even if I’ve paid on it. I cannot drive to work, I cannot drive to the store, I cannot drive to my doctors appointments, I cannot take my dog to the vet, this has affected my livelihood, and I cannot get anybody to help me. I am going to consider contacting an attorney.

  

  Business Response

  Date: 01/06/2023

  Thank you for forwarding
  Ms. **** ********* complaint tocomplaint alleges that *********
  placed her vehicle out for repossession and when she went to the *** to renew
  her tags. The *** stated there was a repossession on her car and, thus, could
  not renew her tags.

  
  
  

  ********* records show
  that *** ********* account is in good standing, and her vehicle status is not now,
  nor has it ever been placed out for repossession. ********* encourages contact the State of Florida Department of Highway Safety and Motor
  Vehicles Department’s Customer Service Center at ************ for more
  information on the administrative registration stop on his vehicle title, as
  there may be another issue unrelated to *********. 

  
  
  

  Thank you.

  

  Business Response

  Date: 01/20/2023

  We have reviewed the customer's response and determined ******** has acted appropriately on her account. 

  Customer Answer

  Date: 01/26/2023

  
  
  

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

  
  

   Complaint: ********

  
  

  I am rejecting this response because:

  they did not address any of my complaints. And insist that they have done nothing wrong. That is incorrect. And I am not satisfied with their lack of response both times. It’s just an example of the way they treat their consumers. They are at fault for what they did and they are at fault for the way I have been treated. And upon investigation I am sure they are at fault for incorrect billing as well as charging fees every month for coverages that are not needed. I will not let this rest until some thing is done about the employees that miss treated me, the mistake that was made on their end, and their lack of wanting to correct it, and billing issues are corrected. Not just for me that for any consumer.

  
  

  Regards,

  
  

  **** *******

  
  

  
  

  
  

  
  
  

• Initial Complaint

  Date:11/18/2022

  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.

  November 16,2022 I went to Titlemax in Newnan to make arrangements to bring my account current Nov 18, 2022. ***** the general manager stated no problem. We will see you Friday. Should there be a problem then just let him know. Nov 16, 2022 my car was missing from home. I called Titlemax speaking with ***** who stated he tried to stop the repo and could not per his boss. I was never told repo at this time was considered. ***** went in to say he is not sure when I can get my car though it will be at least four more days. My 27 yr old daughter is handicap with several life threatening medical issues. She is disabled from a car accident. She cannot walk. Every week we have multiple doctor appts and often hospital emergency room admittance. My car has her wheelchair and walker inside. I asked ***** to help me as she is in critical need. ***** stated he will try though the towing place states they are too busy for me to get my car before Monday. Could you please call the towing place or ***** to get my car today please? I have receipt acct was paid and the information of holder of car. I'm in urgent need. Towing is **** 44 min from my home. I will contact back with that information. I thank you most kindly.

  Customer Answer

  Date: 11/18/2022

  November 16,2022 I went to Titlemax in ****** to make arrangements to bring my account current Nov 18, 2022. ***** the general manager stated no problem. We will see you Friday. Should there be a problem then just let him know. Nov 16, 2022 my car was missing from home. I called Titlemax speaking with ***** who stated he tried to stop the repo and could not per his boss. I was never told repo at this time was considered. ***** went in to say he is not sure when I can get my car though it will be at least four more days. My 27 yr old daughter is handicap with several life threatening medical issues. She is disabled from a car accident. She cannot walk. Every week we have multiple doctor appts and often hospital emergency room admittance. My car has her wheelchair and walker inside. I asked ***** to help me as she is in critical need. ***** stated he will try though the towing place states they are too busy for me to get my car before Monday. Could you please call the towing place or ***** to get my car today please? I have receipt acct was paid and the information of holder of car. I'm in urgent need. Towing is I*** 44 min from my home. I will contact back with that information. I thank you most kindly.

  

  Business Response

  Date: 12/19/2022

  
  

  Hi ********,

   

  Please see the attached response to the complaint received on behalf of ***** *******.

   

   

  Thank you,

   

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

• Initial Complaint

  Date:10/24/2022

  Type:Billing Issues
  Status:

  ResolvedMore 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 have had a Title Loan with Title Max since October 2021 They claims that is is a 36 months loans which means they WANTS YOU TO GIVE 3 TIMES THE LOAN…. pay off is still all the same 2,000 dollar and when I miss a Payment I pay more… The loan was 270.00 a month in which I have been paying 1 year, and more!!! *** has already given out information that they are NOT BBB CREDITED … They are ripping consumers off… The ******** ******* NEEDS TO KNOW… Or ********* ***** , They care less if you are I’ll or what and I do understand that it is a bill … but no other Title company does this When you pay your payment it goes to your bill and not for 36 months when you pay them MORE… I am sick, and having procedures done frequently to better my health and I am only on DISABILITY AT THIS TIME less than a Thousand a month… I am also Epileptic and tired of them stating that My account is still the same amount….
  Thank You
  ***** *******

  Customer Answer

  Date: 11/04/2022

  Due To being SICK ??, and NOT ABLE to Work, Title N my ax, will not understand my situation, going back and forth to A Specialist with Problems are far Away, They Have me on a 36 month Loan Agreement that is costing 3 times the amount of the loan, and this is not fair, yet that want repossessed people Vehicle… I have paid on this Account over a Year.. and it is not going down… when I miss a payment I put more on it , now that I am out of work it is very HARD to get it paid, then They suggested you sale your Vehicle ??… Companies like this is REALLY breaking consumers down, not able to pay rent, Light bill or any bill … They needs to be reported to THE ******** ******* AND *********… because they know it will cost a lot for consumers to pay off … And their loan terms are really getting a lot of money out of consumers Thank You ???? ***** *******

  

  Business Response

  Date: 11/18/2022

  Thank you for forwarding ***** ******* complaint
  to TitleMax of ***** ********, Inc. d/b/a TitleMax (“TitleMax”).
  Ms. ******* complaint alleges “the loan was $270.00 a
  month in which [she has] been paying a year and more.” Ms. ******* originally
  entered into a thirty-six (36) month transaction with TitleMax, as evidenced by
  a Supervised Loan Agreement, Promissory Note and Security Agreement dated October
  08, 2021 (the “Agreement”) in the amount of $1,765.00 (the “Loan”) and pledged
  her **** ****** *** as collateral. Pursuant to the terms of the Agreement, Ms. *******
  was required to make thirty-five (35) monthly
  payments of $269.31 beginning on November 12, 2022, and one (1) final payment
  of $269.30 on October 12, 2024, to satisfy and discharge her obligations under
  the Agreement. TitleMax records show that Ms. ******* elected to refinance the
  Loan on August 11, 2022. Pursuant to the terms of the Supervised Loan
  Agreement, Promissory Note and Security Agreement (“Refinanced Agreement”), Ms.
  ******* was required to make thirty-five (35) monthly payments of $264.79
  beginning on September 16, 2022, and one (1) final payment of $259.02 on August
  16, 2025, to satisfy and discharge her obligations under the Refinanced
  Agreement.

  
  The transaction history reflects Ms. ******* made
  payments to the loan. However, some payments were late or for less than the
  minimum amount due. The Loan is a simple interest installment loan that is
  amortized, which means that the loan is designed to be paid off over a thirty-
  six (36) month period.  A portion of each
  payment, if paid on the due date, applies to both interest and principal.  At the beginning of the loan, interest takes
  up the majority of the payments.  As time
  progresses, more of each payment is applied toward principal. 

  
  Interest accrues daily on the unpaid principal balance
  of the loan. When interest accrues
  daily on the unpaid principal balance of the loan, if a customer pays late,
  additional interest accrues, and if a customer pays early, more of the payment
  applies toward the principal balance.  Accordingly, Ms. ******* will achieve principal reduction if her payment
  is timely and/or large enough to satisfy the accrued interest on the
  account. 
  Based on the above, my investigation reveals no
  wrongdoing on the part of TitleMax and do not support this allegation.  TitleMax is understanding of its customers’
  financial hardships and is willing to work with Ms. ******* towards a mutually
  satisfactory resolution.  Accordingly, TitleMax
  encourages Ms. ******* to contact the TitleMax location with which she is
  affiliated, and an employee will be happy to discuss his payment options, or,
  if requested, put her in contact with the District Director of Operations. 
  Thank
  you. 

  Customer Answer

  Date: 11/21/2022

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

  
  

  Better Business Bureau:

  
  

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

  
  

  
  

  
  

  
  Regards,
  

  
  

  
  

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

  
  

  
  

  
  

   

• Initial Complaint

  Date:10/11/2022

  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.

  Your Company shared statements on October 21,2021 as well as a copy of a Consumer Contract as per the judgment in ******* ******** ******* *******, 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. I am attaching here a valid proof of you being a debt collector under the provisions of FDPCA. 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. I conditionally accepted 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.Title max is a debt collector Pursuant to 15 usc 1692(6). 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 *******. Your company Title max and IAA illegally repossessed my private automobile violation of 18 U.S. Code § 893 - Financing extortionate extensions of credit showing unclean hands.

  Customer Answer

  Date: 10/19/2022

  I’m here to get remedy for this unfair deceptive for using false misleading representation they illegally repossessed my vehicle using extortionate means And  this company does not follow and comply with consumer
  laws and guidelines as well as T.I.L.A, AND C.F.R AND
  F.D.C.P.A AND C.F.P.B AND F.D.R.A AND the act of hjr-192
  AND in accordance with presidential proclamation
  2039/73rd Congressional act record of 1933.... Does this
  company give full disclosure in terms in the contract I demand recession of this fraudulent contract and return of my **** ***** *******
  

  Customer Answer

  Date: 10/31/2022

  attached,

  Customer Answer

  Date: 12/13/2022

  
  

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

  
  

   Complaint: ********

  
  
  

  I am rejecting this response because:

  
  
  

  Regards,

  
  

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

  Title max misrepresented the nature of the transaction and committed fraud. You failed to clearly and conspicuously  disclose the finance charge  violating The Truth In Lending Act. PURSUANT TO 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.An extortionate extension of credit is any extension of credit with respect to which it is the understanding of the creditor and thedebtor 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. Whoever makes any extortionate extension of credit, or conspires to do so, shall be fined  pursuant to 18 usc 891-894.Pursuant to 15 U. S.C 1 Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal.According to the Federal Truth in Lending you are in violation you failed to clearly and conspicuously disclose my right to rescind with this contract. You failed to clearly and conspicuously disclose the finance charge as The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction.The finance charge doesn’t include a type payable in cash. Pursuant to UCCC 3.301 The financing of an automobile by a bank
  was not a consumer loan transaction where the
  bank was only the assignee of the automobile
  sales contract and therefore acted illegally in
  taking security in addition to the purchased
  automobile. ***** **** **** * ** **** ******
  537 P2d 1207, 86 ALR3d 309. I have rescinded this fraudulent contract under fraud ,duress,and lack of legal capacity illegality of the transaction which, under other law, nullifies the obligation of the obligor and fraud that induced the obligor to sign the instrument with neither knowledge nor reasonable opportunity to learn of its character or its essential terms according to UCC.3.305. I demand you return  my **** ***** ******* to my residency of *** ****** **** within 20 days I have  you certified mail return receipt of my notice of recession.

  
  
  

  
  

  
  

  
  
  

• Initial Complaint

  Date:10/11/2022

  Type:Billing Issues
  Status:

  ResolvedMore 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.

  10/10/2022 I tried to pay my title loan that I have with TitleMax. Ever since they updated the app I am no longer able to pay the payment through the app. I tried several times to pay the payment with my laptop but it kept saying that the card number I entered was already on file but when I went to see what payment methods are saved to my account there isn't one listed it just says add payment method. I know that I owe them and I am not disputing that fact but I work 3rd shift so when I get home from work I take a shower and go to bed. Sometimes I
  will wake up before 7 o'clock at night but sometimes I don't. The only way I can pay the payment is through the app but if the app isn't working correctly and I don't wake up before 7 p m I can't pay the payment. If they expect me to pay the payment on time then they need to fix the app that they changed to because it makes it hard to pay when I don't get up before they close.

• Initial Complaint

  Date:10/02/2022

  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.

  This complaint is in regards to a title loan that I obtained from TitleMax on July 29, 2022. There was a scheduled payment for 30 days after the initial loan was given. The entirety of the loan was $1800. The total value of the car is $28,685.00. The total amount of debt is less than 10% of the total value of my vehicle. I was contacted on 09/26. In this dialogue, I informed the contact from TitleMax that I gained new employment and would make a monthly payment on the following Friday. Although I do understand that the payment was late, the circumstances did not allow me to make it by the due date. I was told that the collection process would begin anyway, regardless of the hardship. The interest on the loan is more than 30% of the principal balance. They were unwilling to negotiate repayment options. My vehicle was allowed to be confiscated while with my two children late in the evening (8pm), leaving us stranded. We spent hours in the parking lot, jeopardizing the safety of me and my children on a Saturday. There was absolutely no one to contact from this place of business to resolve the issue. There is no 24hr customer service contact. The process for handling this debt was very unprofessional, aggressive and hazardous to our safety. Even after a payment was scheduled I was harassed for payment. There were two calls made per day, text and voicemails while at work without any respect for my job. I was not given enough time to settle the debt. This jeopardizes my ability to maintain employment. There were no consumer advocation, by-laws or guidelines in place to protect my safety or rights as a borrower.

  Customer Answer

  Date: 10/03/2022

  This is the requested document attached to this message. In addition to this complaint, there are other details that are vital. This includes not knowing where my vehicle is located. I am on medication that I am required to take for ten days. I have missed my medication twice. Also all of my belongings are in the car, including toiletries, clothing, and vital documents belonging to me and my children. I was told my a tire truck company that my car would be stashed in a remote area until further notice by the TitleMax company. They do not open until Monday morning @ 10am.

  

  Business Response

  Date: 10/17/2022

  Thank you for forwarding Ms. ******* *****’s complaint
  to TitleMax of ******** ***. (“TitleMax”). Ms. *****’s complaint states that
  her vehicle was
  Ms. ***** entered into a 30-day pawn transaction with
  TitleMax. Under a pawn transaction, the entire balance on the pawn becomes due
  and owing in thirty (30) days, which is clearly laid out in the pawn agreement
  bearing her signature. In addition, before entering into the pawn transaction
  or paying any fee or other consideration, a TitleMax employee fully explained
  the terms and conditions contained in the agreement to her, including but not
  limited to the payment structure, terms, and overall cost of the pawn, and her
  signature on the agreement indicates that she expressly acknowledged,
  understood, and agreed to abide by the terms and conditions set forth therein.
  Rather than paying the balance in full, however, a customer can elect to make
  the minimum pawnshop charge payment to extend or refinance the pawn for an
  additional thirty (30) days. TitleMax records show that after Ms. *****
  received the pawn on July 29, 2022 and did not make any payments on the
  account. On October 1, 2022, TitleMax exercised its recovery rights per the
  agreement and recovered the Vehicle.

  
  TitleMax records show that representatives were in
  regular communication with Ms. ***** regarding the status of her account and
  her financial situation. TitleMax has worked with Ms. ***** to attempt to keep
  her pawn current including accepting promise to pays and sending payment
  reminders. Please note, TitleMax is understanding of its customers’ need and
  always views recover of a vehicle as a last resort and will therefore work with
  its customers to remain in possession of the vehicle.

  
  On October 3, 2022, Ms. ***** redeemed her vehicle and
  chose to refinance the pawn. The current status is up to date and not late.
  Based on the above, TitleMax has acted appropriately in regard to your account.
  Accordingly, TitleMax encourages her to reach out to the location where she
  originated the pawn and its employees will be happy to put her in contact with
  the District Director of Operations to discuss the matter further.
  Thank you.