Complaints
This profile includes complaints for Community Choice Financial, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 434 total complaints in the last 3 years.
- 138 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:06/09/2025
Type: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: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: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: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 iPhoneCustomer Answer
Date: 06/05/2025
****** ****** <*****************************>
Attachments
10:26 AM (3 hours ago)
to disputeresolution
Contract screen shot
Sent from Arnolds iPhoneBusiness 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: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 irresponsibilityBusiness 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: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,
******* ****Initial Complaint
Date:06/01/2025
Type: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 title loan in November 2024 I was ahead on the payments until February I was 1 week late. I was transfered from i40 office to Spur road office .
When I applied for loan originally I did not make enough money to pay the loan. I TOLD the young lady I had been hired at **** **** and was starting in 2 weeks she added that job and income to get my loan .We'll that job did not work out .
Then I got transfered to spur road.Then I was late in Jan or Feb the lady at spur road was very rude and said I had to have all of the payment that day .Well I got it and I also told her I was locked out of my account on line and couldn't pay it on line she said they couldn't reset my account with out me going out there way out there .So I kept on making payments on phone.
We'll this payment May came due I was 5 days late I called and a guy named **** answered he told me to make the payment in 2 days and to call this number and ask for a discount or rebate.
HE also stated that my loan was being changed to month to month not the 6 monthes ans thar they would work with me to pat the debt.
I called the next 2 days the lady refused to take my payment and said absolutely was not giving me any rebate or discount and they wanted my truck.
Now what can I do I'm being lied to and the woman will absolutely not talk or work with me .I've been lied to and manipulated into losing my vehicle.
Business Response
Date: 06/05/2025
******************
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 claims they
received rude service and were given conflicting information regarding making
late payments. They further claim a representative refused to take payment,
would not give a rebate or discount, and wanted their truck. The Complainant is
requesting a 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 December 6, 2025, a title loan was obtained
with First Star Financial, LLC in the amount of $858.00 at a storefront in
Amarillo, TX. The Complainant granted a security interest in a 1992 Chevrolet
Suburban 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
$183.55 due on January 6, 2025, followed by three (3) monthly fees and interest
payments of $177.60 beginning on February 6, 20205, and a final payment of
$177.60 representing the final CSO fee and $893.30 representing the principal
and lender interest, both due on May 6, 2025. On the same day, the Complainant
refinanced their existing loan of $858.00, borrowing an additional $342.00. The
loan was contracted to be paid off over the course of five (5) months with the
first fees and interest payment of $244.40 due on January 6, 2025, followed by
three (3) monthly fees and interest payments of $236.52 beginning on February
6, 20205, and a final payment of $236.52 representing the final CSO fee and
$1,249.38 representing the principal and lender interest, both due on May 6,
2025.
A review of the
payment history on the most recent refinance indicates there have been seven
(7) payments made on the loan, totaling three (3) scheduled payments. When the
payment was not made on May 6, 2025, the account entered a past due status. The
Complainant currently has a balance of $1,355.63 but that is subject to change
due to interest and/or fees that may be accruing.
It is important to
note that at the time of the loan origination and the refinance, the
Complainant signed a Loan Agreement, Promissory Note 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 Regulation Z. By signing the loan agreements, the
Complainant acknowledged their understanding of the terms and conditions of the
loans.
Regarding the
Complainant’s claim that they received rude service, and were given conflicting
information regarding making late payments, a review of the call log does not
corroborate the Complainant’s allegations. TitleMax spoke to the Complainant on
May 24, 2025, and informed them that their current loan model would no longer
be available, and should they wish to refinance their loan, we would be able to
offer them a thirty (30) day loan product. The Complainant was also informed of
the risk to their vehicle, however we have yet to receive payment, and the
account is still past due. TitleMax remains willing to work with the
Complainant to assist them in paying back their loan and views recovery of a
vehicle as a last resort. TitleMax endeavors to assist our customers with all
of their concerns and provide the best service possible. We sincerely apologize
for any poor customer service or any frustration they may have experienced.
As TitleMax
believes that the conditions of the loan were clearly disclosed and cannot find
any evidence of wrongdoing, the Complainant’s request for a billing adjustment
will not be granted at this time. We encourage the Complainant to contact
TitleMax, reachable 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
** *** ***
********** ** *****Initial Complaint
Date:05/30/2025
Type: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 requested a lien release from Titlemax back 4-25-2025. The lien they sent does not match the title and the Virginia DMV needs a letter to show that the discrepancy are the same companies.
DMV request a fax or email including the information between the discrepancy. Titlemax told me the lien release they sent me is all they will give me. No correction and no letter showing the company name change to match the lien on the title.
I have traded the truck in and the dealer is threatening to end the deal because this has been going on for 2 months.
Business Response
Date: 06/04/2025
June 4, 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 is requesting a corrected lien release be provided to the Virginia Department of Motor Vehicles.
A review of TitleMax records revealed that on September 24, 2020, a title loan was obtained in the amount of $1,515.00 at a store front in *********, **. The Complainant granted security interest in a ************************************* ******.The loan was contracted to be repaid in eleven (11) monthly payments of $290.96 beginning on October 24, 2020, and a final payment of $290.51 due on September 24, 2021. A review of the payment history indicates the last payment was made on the loan on January 9, 2022, satisfying the loan. On January 11, 2020, the title, with TitleMax of Virginia, **** listed as lienholder, and lien release was returned to the Complainant.
In response to the Complainants request for a corrected lien release letter to be sent to the Virginia DMV, we have sent a lien release letter to the Virginia DMV located at *************************************************, via ***** with tracking number ************. This letter also explained that TitleMax is a DBA of TitleMax of Virginia, therefore TitleMax has the authority to release the lien.
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:05/29/2025
Type: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 account with ****** *** has been closed and paid in full for over three years and they refuse to send me my car ****** and release the lien they have on my car, with the lien still on my car I am not able to get a new ****** for my car even tough they have been paid in full and my account has been settled with them for over three years, I've been calling them for over two months and they've been giving me the run around assuring me that it's on its way by mail but I have not received anything, they tell me there is nothing they can do about it.Business Response
Date: 06/04/2025
June 4,2025
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 claims they paid their TitleMax account in full over three (3) years ago and TitleMax has refused to send their title or release the lien. They allege they have been contacting TitleMax for two (2) months and feel they are being given the runaround.
A review of TitleMax records revealed that on August *******, the Complainant obtained a loan in the amount of $1,500.00 at a storefront in ******, **. The Complainant granted a security interest in a 2000 ****** Camry with a VIN ending in ******. The loan was contracted to be repaid in twenty-three (23) monthly payments of $252.64 beginning October 5, 2019, with a final payment of $251.08, due September 5, 2021. Payment records indicate the Complainant agreed to a settlement of $1,200.00 that was paid on December 21, 2022.
Contrary to the Complainants claim that TitleMax has refused to send the title and a lien release, records show that on March 21, 2023,TitleMax mailed the title along with a lien release signature to the address on file. The Complainant contacted TitleMax on April 9, 2025, requesting a lien release which was subsequently mailed, but it was discovered that the information was sent to the incorrect address. We have submitted a request for the lien release to be sent 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:05/29/2025
Type: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 was reviving a check from the Florida division of retirement that had never came in the mail I had filled a complaint with **** and the Florida division of retirement who opted to replace the check
.a check arrived in the mail in which I believed to be the new updated check and went to check cashing USA to cash the check
once the business tried to cash the check it was the wrong check they contacted me and while trying to explain what happened they accused me of committing fraud yelling at me and told me I should be put in jail
numerous time harassing me I tried on numerous occasions to rectify the situation and feel uncomfortable even speaking or interacting with the business because of their treating behaviors and employees after trying to speak to managers and other leadership they sent me on a wild goose ***** and wont let me contact someone different to relive the issues
Business Response
Date: 05/30/2025
Thank you for the opportunity to respond to the complaint filed by ******* ****** (Complainant). Community Choice Financial, 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 cashed a check with Check Cashing USA which turned out to be the incorrect check. The Complainant states they attempted to explain what happened but claim they were harassed and accused of committing fraud.Unfortunately, the Community Choice Family of Brands is not affiliated or a part of Check Cashing ***. This complaint would be best suited to be forwarded to the correct company.
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