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
- 440 total complaints in the last 3 years.
- 131 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:11/04/2025
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.
I need Titlemax to release the lien on my title, I have proof of my account showing ************************************* has done nothing but give me the run around and the only resolution is to release the title lien on my motorcycle since I've paid more than $7,200.00 on a $2,600.00 loan.
Business Response
Date: 11/10/2025
November 10, 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 requests that TitleMax releases the lien on their title, claiming they have proof of a $0.00 account balance. They report paying more than $7,200.00 on a $2,600.00 loan and believe the only resolution is to release the title lien.
A review of TitleMax records revealed that on June 9, 2022, the Complainant obtained a loan for $2,600.00 at a storefront in ******, **. The Complainant granted a security interest in a 2014 *************** XL883L with a VIN ending in ******. The loan was contracted to be repaid in thirty-five (35) monthly payments of $347.81 beginning July 15, 2022, with a final payment of $346.36, due June 15, 2025. Payment history indicates twenty-one (21) payments were made on the loan with the last payment being received on March 18, 2024.
To address the request for a title lien release, our records indicate the Complainants account was updated to reflect a Chapter 7 bankruptcy filing on March 20, 2024. The Complainant subsequently received a Chapter 7 discharge on June 26, 2024. While the bankruptcy discharge removes the Complainant's personal liability for the balance due, it does not void the lien from the vehicle title. However, as a gesture of goodwill, we have electronically released our lien, and the *** will mail the Complainant a new title with our lien removed.
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:10/29/2025
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.
On 10/27/2025 , after I paid $700.00 on my loan at the store office they took out $20.88 from my bank account without authorization. When I called to ask for a refund Amy an employee at the store advised me her supervisor said they can not refund me .that is was for a payment I missed. When I already made another payment on 107/2025 to refinance the loan until I could get the check and cash it and make the $700. Payment .Even though I was advised by the cooperate office they handle the refund and can. I was then advised by Amy you can pay an additional $3 and some change and get another $20. Added to your loan . Which you can not get just a $20 loan it has to be $50 or more. . So their answer was to take money unauthorized and then tell me to get another loan so they can charge me more interest and I have to pay more to them.Business Response
Date: 11/03/2025
********************
Thank you for the opportunity to respond to the complaint
filed by ****** ******* (Complainant). TitleMax of Missouri, 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 paid on their loan on October 27, 2025, however, an
unauthorized payment was taken afterwards. They further state that when they
requested a refund, they were advised that the payment was for a missed payment
and cannot be refunded. They also claim the resolution provided was to get
another loan. They request a refund.
A review of
TitleMax records revealed that on May 2, 2025, the Complainant obtained a loan for
$350.00 at a storefront in Springfield, MO. The loan was contracted to be
repaid in twenty-five (25) biweekly payments of $46.92 beginning May 22, 2025, with
a final payment of $46.35, due May 7, 2026. On May 19, 2025, the Complainant
made a payment of $52.16 and refinanced their existing loan of $350.00,
borrowing an additional $775.00. The loan was contracted to be repaid in
twenty-five (25) biweekly payments of $148.30 beginning June 5, 2025, with a
final payment of $147.75, due May 21, 2026.
The second and
current refinance was completed on July 17, 2025, in which the Complainant made
a payment of $137.55 and refinanced their loan for the remaining balance of
$1,124.29. The loan was contracted to be repaid in twenty-three (23)
semi-monthly payments of $162.01 beginning August 5, 2025, with a final payment
of $162.00, due July 20, 2026.
Payment history
on the most recent refinance indicates there have been ten (10) payments made
on the loan. Concerning the alleged unauthorized payment, on October 17, 2025,
a mobile payment in the amount of $141.13 was made, however the amount was not
enough to cover the scheduled payment amount, therefore per the agreement, on
October 27, 2025, the remaining scheduled payment amount of $20.88 was processed.
Later that day, a cash payment in the amount of $700.00 was made. The
Complainant is currently in good standing.
At the time of
the loan origination and each refinance, the Complainant signed a Consumer
Installment Loan Agreement and Promissory Note 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. In addition, Section 9. Authorization to Collect Debt Upon
Default of the agreement states:
“If I am in default, and subject to any cure rights I may
have, I authorize Lender to initiate a one-time payment for all amounts I owe
under this Agreement. If I am in default and I have provided Lender with a
payment method on my account, I authorize Lender to charge, submit, and collect
all amounts due to Lender by charging or debiting such payment method. In the
event the payment is unsuccessful due to insufficient funds or any other
reason, I authorize Lender to seek that payment up to two more times (or any
greater number of times periodically, if the payment method is a debit card).
My authorization to electronically charge my payment method will remain in
effect until I terminate it by giving written notice at and Lender has had a
reasonable opportunity to act on my notice.”
By signing the
Agreement, the Complainant acknowledged their understanding of the terms and
conditions of each agreement.
TitleMax believes
that the conditions of the loans were clearly disclosed and finds no
discrepancy or concern in how the transaction was processed, therefore a refund
will not be provided at this time. Should the Complainant have any other
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
** *** ***
********** ** *****Initial Complaint
Date:10/25/2025
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.
Refuses to stop sending unwanted emails to my email address [email protected],despite sending countless requests to stop they refuse.Stop all emailsBusiness Response
Date: 10/30/2025
*******************
Thank you for the opportunity to respond to the complaint
filed by ******* ******* (Complainant). 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 the business refuses to stop sending unwanted emails to
their email address even after they previously requested them to stop. They
request no further contact from the business.
A review of
Community Choice Financial records revealed the Complainant has filled out
multiple lead forms which indicated they were interested in applying for a loan
with TitleMax and Speedy Cash, both members of the Community Choice Financial
of Brands, utilizing the email address specified within the complaint. Community
Choice Financial previously removed the Complainant from email communications.
However, by submitting these forms, the Complainant is agreeing to receive
emails related to their submission. We
have opted the Complainant out of emails once again, however, if the
Complainant continues to fill out a lead form, they will continue to receive
emails.
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:10/17/2025
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 have been trying to get a copy of my motorcycle title in the state of ****. According to the ************************ vehicles there is a lien on the title. I have tried for three months with no success to contact the lien holder to get the lien released. The company listed as the lien holder is Check Into Cash of *********. The date of lien is 08/18/2015.
************ does not exist anymore and was sold to Community Choice Financial **** I have made multiple attempts with Community Choice Financial to get the lien released. I am being told that there is no record of a lien.
After months with no resolution, I filed a complaint through the company on October 2, 2025. The complaint number is ******.
I received a call stating that the complaint was dismissed because they could not find the record in their archives. I asked for the lien to be released or a letter stating that it could not be found and was told no. The company is not willing to help.There seems to be no record of a lien so I don't understand why a letter stating this is not possible. I do not know how to proceed in getting a copy of my title.
The ********************************* suggested I file a complaint with the BBB with the hope that you can help in a resolution.
Business Response
Date: 10/24/2025
October 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 ***** Miu (Complainant). Check Into Cash 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 have been trying to get a copy of their title for three (3) months with no successful contact with the lienholder. They claim after multiple attempts, they filed a complaint with the company and were informed the complaint was dismissed because there is no record of the lien. They request the release of the lien on the title or a letter stating a lien cannot be found.
A review of TitleMax records revealed that on June 2, 2017, the Complainant obtained a loan at a storefront in ******************, **. The Complainant granted a security interest in a 1990 ****** GX750F with a VIN ending in ******. Payment history indicates there have been no payments made on the loan. After continued non-payment, the account was sold to ************** on September 10, 2019. As we are no longer the owner of the account and ********************** Into Cash is not currently reporting the account to any ********************** bureaus, concerns regarding the account including repayment options, credit reporting removal and further disputes should be directed to ************** reachable 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:10/07/2025
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.
On September 10th TitleMax took a payment of $165 out of my account, which would have never made me delinquent, but they say I didn't fill out the paperwork to refinance the loan, which is a requirement online in order to complete your payment. I filled out their paperwork online and signed it. I have done this many times. There was a glitch in their system and it voided it. Because of that it made me delinquent although they took the money, and are now charging me a $77 late fee because of it. This is pure theft, the money was taken out of my account and I'm now being charged $77 late fee on top of that. I called corporate and the home office who state this can't be removed, It can easily be removed. They pay ppl to find cars for them ... They can remove this. I want my refund by the time this is read or a billing adjustment on my next payment. If their system doesn't go through with the signed documents, it's not on the customer for a late fee. It's robbery. They have their money and I'm out mine. The documents shouldn't matter and can be signed at anytime it's ridiculous, and it's more robbery to add a late fee to that.Business Response
Date: 10/13/2025
October 13, 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 that a payment was taken out of their account, however, they were told that the paperwork to refinance the loan was not complete. They claim to have filled out the paperwork online like they have many times, but there was a glitch in the system that voided it. They state they are now being charged $77 in late fee due to this and were informed that the fee could not be removed. The Complainant requests a refund or billing adjustment on their next payment.
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 June 24, 2025, the Complainant obtained a loan for $633.00 with First Star Financial, LLC at a storefront in ********,**. The Complainant granted a security interest in a 2014 Chrysler 200 with a VIN ending in ******. The loan was contracted to be repaid in one (1) payment of $778.50, due July 24, 2025. On July 18, 2025, the Complainant made a payment of $120.00 and refinanced their existing loan of $629.40. The loan was contracted to be repaid in one (1) payment of $774.07, due August 17, 2025.
Between July *******, and August 27, 2025, the Complainant refinanced their loan on five (5)more occasions, borrowing an additional $625.00 total. On September 10, 2025,the Complainant made a mobile payment of $165.00 and requested to refinance their loan with the remaining balance of $1,204.16. However, the loan was voided due to the loan agreements not being signed. On October 7, 2025, the loan was placed on a past due status and a late fee of $67.45 was assessed. The current refinance was completed on October 8, 2025, in which the Complainant made a payment of $216.70 and refinanced their loan for the remaining balance of $1,204.16. The loan is contracted to be repaid in one (1) payment of $1,468.82, due November 7, 2025.
At the time of loan origination, 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 **************** signing the agreement, the *********** acknowledged their understanding of the terms and conditions of the loan.
Concerning the alleged system glitch, we conducted an investigation, and we found there were no known issues found during the time the Complainant attempted to refinance on September 9, 2025. It appears that the Complainant did not complete the contract signing resulting in a voided contract.
TitleMax believes that the conditions of the loan were clearly disclosed and finds no discrepancy or concern in how the transactions were processed, therefore, a refund or account adjustment will not be provided. If the Complainant has any further questions regarding their account, we encourage them to 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: 10/20/2025
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]
Complaint: 23986658
I am rejecting this response because:
I initiated the paperwork and it went through online. Therefore I don't owe any fees
Regards,
***** ******Business Response
Date: 10/28/2025
October 28, 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 ***********, 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 rejecting our response, claiming they initiated the paperwork and went through it online, therefore they do not owe the fees.
As previously stated, per our investigation, we found there were no known issues found during the time the Complainant attempted to refinance on September 9, 2025. It appears that the Complainant did not complete the contract signing correctly,resulting in a voided contract.
TitleMax believes that the conditions of the loan were clearly disclosed and finds no discrepancy or concern in how the transactions were processed. If the Complainant has any other 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
*******************Initial Complaint
Date:10/06/2025
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.
Yesterday 9/5/25, I applied for an online loan with Speedy cash for an emergency. I received a confirmation email to review and sign my loan by a loan officer, ******* *****. I signed the agreement, ******** received my funds. I tried contacting the loan officer and nothing. My concerns is being scammed. I have given them all my personal information. Banking info, SSN, etc I have tried to reach out to the numbers on the email and the agreement paperwork and nothing. If I havent received the money and they start taking money out of my bank account this will be extremely stressful amongst other things. If it isnt a legitimate business Id like my information to be removed and this agreement to be cancelled/dissolved/terminated.Business Response
Date: 10/09/2025
October 9, 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). 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 on September 5, 2025, they applied for an online loan with Speedy Cash and signed the agreement but have not received the funds. They are unable to reach the loan officer and are concerned because they provided their personal and financial information. The Complainant is requesting to terminate the signed agreement and remove their information.
A review of Speedy Cash records revealed a loan application was submitted by the Complainant with Speedy Cash online at ********************************** on September 4, 2025.The application was subsequently approved for $255.00 but the Complainant did not accept the loan, and as such no loan transaction was completed.
Speedy Cash strongly denies the correspondence mentioned and included attachments within the complaint was from Speedy Cash or authorized on its behalf. The Complainant appears to be a victim of a loan approval scam therefore we are unable to terminate the agreement due to the loan not originating from Speedy Cash. In addition, the Complainant contacted Speedy Cash regarding the emails they received on two (2) occasions in September and Speedy Cash advised the communication did not originate from Speedy Cash and advised them that the communication was a loan approval scam.
Speedy Cash is aware that, unfortunately, bad actors are posing as legitimate lenders in an attempt to defraud unsuspecting consumers. Speedy Cash encourages consumers to report all such fraudsters to local law enforcement agencies, the ************************ (***) and the ****. Helpful tips concerning Identity Theft may be found on the ************************'s website at ********************.
The Complainant may also contact Speedy Cash directly at *************** to determine the legitimacy of any transaction or correspondence in the event an unexpected communication is received from Speedy Cash.
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:09/29/2025
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.
Hello, Im trying to sell my 2020 ****** ***** to ******. VIN *****************, I cant sell the vehicle because they said theres a lien showing up under the national database under the previous owner name. even tho I have a clear Arizona title in my name showing no liens. I called titlemax support and they cant tell me any information, I went to a location and they said theres no lien with that vin number in their system. I need the vehicle to be removed from titlemax database or a notarized letter from titlemax saying theres no lien on the vehicle or that the previous lien has been satisfied and that titlemax no longer has interest in the vehicle.Business Response
Date: 10/03/2025
October 3, 2025
Better Business Bureau
**************************************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by ********* ******* Isasi ***** (Complainant). 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 are unable to sell their vehicle due to a lien under the previous owners name with TitleMax although they have a clear title. They request the lien be removed or a notarized letter.
To protect the privacy and confidentiality of our customers information, we have strict policies in place that prevent us from sharing any account-related details or information with unauthorized third parties. These policies are designed to safeguard sensitive data and maintain compliance with laws and regulations.Therefore, we cannot disclose specific account-related details or information to the Complainant as they are not listed as an authorized user on any accounts with ***********************. However, a preliminary search does not show that TitleMax holds a lien on this VIN. We request the Complainant provide proof of this for further review and research.
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:09/29/2025
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.
02/14/2025 I went to Title max on ********************** located in *******,Tx and spoke with the then manager at the time. I inquired about a title loan regarding my 2015 ***** Malibu, I explained that I had a title loan previously through a different company but that they no longer did title loans which is why i went there.
I explained that on the previous title loan I had it was a set amount of 985 a month for 6 months but It was a straight forward loan and I was able to pay it off.
Upon asking the then manager what there title loans were like he said I would pay less than $985.00 , I asked how much he could not answer without first seeing exactly how much I was approved for. I told him to start the process and I was approved for $4,000 I specifically asked if I could take less than the amount approved for he stated no.
The payments were ****** a month he stated that if the loan got past 6 months or later pay it off and also if I missed a payment that the vehicle would then be repossessed promptly.
I made a normal payment March and April, I had issues with the online portal in May and also was having some concerns that every time a payment was made the loan was not getting lower after a few days it would go right back to the original amount. I went in and spoke with the new manager ********* and asked why the loan was not going down when paid she explained the loan was a 30 day loan and that each time I paid I was just refinancing the loan, which was not how to loan was presented to me when I took it out. she then informed me the previous manager was no longer there.
immediately I had concerns , I talked to her over the next few months trying to figure out how to pay it off she suggested trading my vehicle and possibly going to another company to pay it off and take over both of which I could not do. I was lied to regarding this loan and was told later I could have taken a lesser amount.
Customer Answer
Date: 09/29/2025
I want the company to take accountability and rectify the situation. It was handled poorly i would not have entered into that type of contract had I not been deceived by the manager who represented the company at the time. I am now without a vehicle because of this. I want the company to rescind the contract and pay for damages.Business Response
Date: 10/06/2025
October 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 ***********, 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 were approved for $4,000.00 and were told they were not able to take out less than that amount. They have concerns about the loan balance not being lowered despite making payments. They claim that after they asked about this, they were told the loan was a 30-day loan and they were just paying to refinance their loan. They request the company to rectify the situation and allow them to rescind the contract as well as pay for damages.
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 February 14, 2025, the Complainant obtained a loan for $4,078.00 with First Star Financial, LLC at a storefront in *******,**. The Complainant granted a security interest in a 2015 Chevrolet Malibu with a VIN ending in ******. The loan was contracted to be repaid in one (1) payment of $4,811.16, due March 17, 2025. On March 12, 2025, the Complainant made a payment of $700.00 and refinanced their existing loan of $3,992.91. The loan was contracted to be repaid in one (1) payment of $4,709.50, due April 11,2025.
Between April ******, and July 9, 2025, the Complainant refinanced their loan on four (4) more occasions. The current refinance was completed on July 9, 2025, in which the Complainant made a payment of $670.51 and refinanced their loan for the remaining balance of $3,842.98. The loan was contracted to be repaid in one (1)payment of $4,535.11, due August 10, 2025.
Payment history on the most recent refinance indicates there have been no payments made on the loan. When the payment was not made on August 10, 2025, the account entered into a past due status. The Complainant currently has a past due balance of $5,207.56 but is subject to change due to interest and/or fees that may be accruing.
At the time of loan origination and each 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 **************** addition, the Complainant signed the Credit Services Contract and Security Agreement and a TitleMax employee explained the terms and conditions to the Complainant at loan origination.
To address the Complainants claim that they were told the lowest amount they could borrow was $4,000.00, it is important to note that TitleMaxs minimum amount for their loan product is $100.00, and at the time of loan origination, the Complainant completed the Credit Application themselves and indicated they were seeking $4,500.00. By signing the credit application, the Complainant indicated the information they provided was accurate.
Additionally,numerous refinances were completed by the Complainant using TitleMaxs secure 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. By signing the loan agreements, the *********** acknowledged their understanding of the terms and conditions of the loans.
Please note that under a 30-day loan, the expectation is to pay in full on or before the expiration date. Rather than paying the balance in full, the Complainant elected to pay the outstanding finance charges and enter into a new loan for an additional thirty (30) days on multiple occasions, thereby accruing additional charges. The Complainant has yet to make a payment in full or significant additional payments to their principal.
As we believe that the conditions of the loan were clearly disclosed and we cannot find evidence of any wrongdoing, the Complainants request to rescind the loan will not be granted at this time. It is unclear what damage the Complainant is referring to; therefore, no compensation will be provided. For any additional questions or concerns regarding your account, please 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: 10/06/2025
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]
Complaint: 23947822
I am rejecting this response because:Regarding your response its typicall that all i keep hearing from the company is i signed thr contract ok well I signed the contract under false information given regarding the loan I was taking out by the person representing the company
also this person was terminated from the company for giving false information to people which is why hes no longer there.
So your correct i signed your contract but after I was given incorrect information regarding the type of loan it was. By that time months had past already.
So I will say this again your representative lied to me. Fraudulent inducement: If someone lied about the terms of a contract to trick you into signing it, you can sue them for fraudulent inducement. The liar can be ordered to pay for your damages
.so im trying to handle this correctly with you the company but I can assure you i will not let it go. If your only statement is i signed the agreement your correct i did and was lied to about the entire contract. Also look into why this person was terminated. Also I quit paying the loan i was not going to continue to throw away money because the person you had represent your company lied to people I am also positive I am not the only one. Your representative led me to believe this was a contract where I paid once a month until the amount was paid back or I paid off early never once stating it was a **************************************************************************************************************** order to get them to sign a contract so that afterwards you can tell them "but you signed the contract"?
Regards,
********* ********Initial Complaint
Date:09/26/2025
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've been paying this company for the last 3-4 years and now my account was charged off and now I'm being made to pay a 1000 to not get repoed every month will not accept 400$ payment want a thousand every mont to avoid repo and I'm on a fixed income and have to hide my car everyday to not get repo by titlemax please help resolve this matter it's getting cold and I'm not able to keep hiding my car and paying them to a of money over the years I'm being threatened to pay unless I will get repoedBusiness Response
Date: 10/03/2025
October 3, 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 they have paid for the last three to four years and they are now being threatened with repossession if they do not pay $1,000.00 a month on their charged off account. They request *********************** to stop trying to repossess their car, as they claim they have already paid this debt off.
A review of TitleMax records revealed that on June 13, 2022, the Complainant obtained a loan for $10,020.50 at a storefront in **********, **. The Complainant granted a security interest in a 2018 ************* E- Class with a VIN ending in ******. The loan was contracted to be repaid in forty-seven (47) monthly payments of $1,328.26 beginning July 22, 2022, with a final payment of $1,327.24, due June 22, 2026. On June 24, 2023, the Complainant made a payment of $1,404.47 and refinanced their existing loan of $9,965.54. The loan was contracted to be repaid in forty-seven (47) monthly payments of $1,324.11 beginning August 4, 2023, with a final payment of $1,318.43, due July 4, 2027.
Payment history on the recent refinance indicates that twenty (20) payments have been made on the loan, the equivalent of twenty-six (26) scheduled payments. Please note that a majority of the payments made were late. On March 4, 2024, the account was placed in a past due status. On multiple occasions the vehicle was set to be recovered, however the Complainant would make the minimum payment to prevent the recovery. Contrary to the Complainants statement, we have no record that this loan has been paid off.
At the time of the loan origination and 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 **************** signing the agreements, the *********** acknowledged their understanding of the terms and conditions of the loan, including our rights upon default and what constitutes as a default.
TitleMax 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.
We believe that the conditions of the loan were clearly disclosed, and we cannot find evidence of any wrongdoing. We encourage the Complainant to contact our ********************* directly at ************** to discuss 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:09/25/2025
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 evening,I borrowed money from Titlemax to help cover my daughters rent while shes in school. I have been paying but things fell behind because I broke my arm and its been hard for me. They reposed the car and now she has no means of transportation to work or school. When you pull up my account it still shows this balance of $3200 owed to them. The car was reposed and supposedly sold not sure for how much, but I have not been advised how much the car was sold for. Not sure where I will find the funds to get her another car. How do I go about finding out what the car was sold for and how much. Shouldnt I be advised. Any help will greatly appreciated.Business Response
Date: 10/02/2025
October 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 car was repossessed and sold but they were not informed how much the car sold for. They claim their account shows they owe $3,200.00 online,and they request an explanation of charges.
A review of TitleMax records revealed that on November 29, 2024, the Complainant obtained a **** for $2,818.00 at a storefront in ************, **. The Complainant granted a security interest in a 2008 ******* Santa Fe with a VIN ending in ******. The **** was contracted to be repaid in one (1) payment of $3,268.60, due December 29, 2024. On February 6, 2025, the Complainant made a payment of $756.28 and refinanced their existing **** of $2,618.00. The **** was contracted to be repaid in one (1) payment of $3,009.21, due March 8, 2025.
Between March *******, and May 30, 2025, the Complainant refinanced their **** on three (3) more occasions. The most recent refinance was completed on May 30, 2025, in which the Complainant made a payment of $447.24 and refinanced their **** for the remaining balance of $2,618.00. The **** was contracted to be repaid in one (1)payment of $2,945.25, due June 29, 2025.
Payment history on the most recent refinance indicates no payments were made on the ****. When the payment was not made on July 29, 2025, the account entered a past due status. Due to continued non-payment, the vehicle was recovered on August *******. The Complainant failed to make a payment to redeem their vehicle,therefore the vehicle was sold on September 24, 2025.
At the time of **** origination and each refinance, the Complainant signed a **** Transaction Disclosure Statement 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.
As disclosed in the signed **** agreement:
This is a **** transaction. Failure to make your payments as described in this document can result in the loss of the pawned item. The pawnbroker can sell or keep the item if you have not made all payments by the specified maturity date. Failure to make your payment as described in this document can result in the loss of your motor vehicle. The pawnbroker can also charge you certain fees if he or she actually repossesses the motor vehicle.
By signing the agreements, the Complainant acknowledged their understanding of the terms and conditions of the pawns. It is important to note that that the State of Georgia has no statutory requirements to provide a notice providing details of the vehicle sale. Regardless of the sale information, TitleMax will not attempt to collect any deficiency related to the **** and consider the **** closed.
TitleMax believes that the conditions of the **** were clearly disclosed and finds no discrepancy or concern in how the transaction was processed. We encourage the Complainant to call **************** at ************** for any questions 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
*******************
Community Choice Financial, Inc. is BBB Accredited.
More InformationWhy choose a BBB Accredited Business?BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.