Business Profile

Check Cashing Services

Community Choice Financial, Inc.

Complaints

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

Customer Complaints Summary

441 total complaints in the last 3 years.
131 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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

Initial Complaint
Date:10/24/2024
Type:Sales and Advertising Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
In June of 2017 I borrowed money on the title of my 2002 Chevy trailblazer I then paid it off in January of 2018 and thought everything was fine I do have the papers saying the loan was paid off well we moved from a rented place to our own home and the title got lost I went to the DMV to get a replacement title and they said Title Max had not released the Lien on the vehicle I have call 10 times to resolve this matter just asking for a lien release letter and all they say is there is no update on that as of right now all I want is a lien release letter so I can replace my title can you help me
Business Response
Date: 10/30/2024
***********
Thank you for the opportunity to respond
to the complaint filed by ******* ****** (Complainant). TitleMax
of Virginia, 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 their loan and need a
lien release letter to replace their title. They also state that they had to contact
multiple times requesting this but there is no update.
A review of TitleMax records revealed that on June 16, 2017, a motor
vehicle title loan was obtained in the principal amount financed of $1,400.00.
The Complainant granted a security interest in a 2002 Chevrolet Trailblazer
with a VIN ending in ******. Based on our records, the account was paid off on
January 30, 2018.
TitleMax endeavors to assist our Customers with all of their
concerns and provide the best service possible. We
sincerely apologize for the poor customer service and any frustration you may
have experienced. We
have forwarded the Complainant’s claim to the appropriate members of
management.
In regard to the Complainant’s request, we have sent a
lien release letter to the address listed in the complaint on October 29, 2024. Should you have any further questions regarding your
account we encourage you 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,

*** * ******** **********
** *** ***
********** ** *****
Customer Answer
Date: 10/31/2024
As I have not yet received the lien release letter at this time I will not accept just the letter saying they sent it because of all the trouble I had just trying to get one when I receive the letter I will contact you I am not satisfied with just a letter saying they have sent it
Customer Answer
Date: 10/31/2024
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]

Complaint: 22468508

I am rejecting this response because: after all the trouble Ive had trying to get the lien release letter the issue will not be settled until I get the letter if the letter has been sent then I will notify you when I do

Regards,

******* ******
Customer Answer
Date: 11/04/2024
I received the lien release letter but they put the wrong date on the letter and DMV cant give me a replacement title with different dates when I called Title Max they said they were sorry for the inconvenience but its going to take another 30 days to send out a new letter I have been trying to get this letter since September ****** and now they say I have wait another 30 days I am really frustrated and I will get an attorney but I really dont want to go that route but I will if I have to please see if you cannot do anything thank you
Customer Answer
Date: 11/04/2024
Here is a picture of the letter
Customer Answer
Date: 11/05/2024
I filed a complaint against this same company last month and did get the lien release letter but they put the wrong date on it after calling them and on hold on and off for a long while they finally admitted they made the mistake then said I would have to wait another 30 days to get a new letter. I have already waited since the 9th of September 2024 and after I contacted you the letter was here in 3 days so why should it take another 30 days to get the letter you can look back at the original complaint and see that I have tried to patient but my next step if you can’t help is to contact a lawyer and take them to court filling out a letter and mailing it should not take 30 days especially since they admitted they made the mistake

Correct(ed) lien release letter ASAP not in 30 days
Business Response
Date: 11/15/2024
*****************

Thank you for the opportunity to respond
to the complaint filed by ******* ****** (Complainant). TitleMax
of Virginia, 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 received the requested lien release, however, the date
on the release is incorrect. They state that they reached out to TitleMax to
correct the issues, but were told it would take 30 days to get an updated
release letter. The Complainant is requesting an updated lien release.
In response to the Complainant’s request for an
updated lien release, on November 12, 2024, a lien release with the correct
date has been sent to the address listed on the complaint. We apologize for the
inconvenience, should you have any further questions regarding your account we
encourage you to contact TitleMax at ###-###-####.
We
hope that we have fully addressed the complaint. Should the Complainant or the Better Business Bureau require further
explanation, we may be reached at [email protected].

Sincerely,

*** – Consumer Complaints
** *** ***
********** ** *****
Customer Answer
Date: 11/15/2024
until I actually receive the letter and it is correct so that I can get a replacement title this will not be resolved I have been trying since September 9 to get this letter so I will not accept it being resolved until I have a letter the DMVwill accept

Regards,

******* ******
Customer Answer
Date: 12/09/2024
It has been 30 days and I still have not received the corrected lien release letter from Title Max like I said earlier they are being difficult if you cant do any more then the them this for me I am getting an attorney and will see them in court and they will be out a lot more than a lien release letter
Business Response
Date: 12/16/2024
December 16, 2024

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****** *** 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 it has been 30 days, and they still have not received a corrected lien release.
In response to the Complainants request for an updated lien release, on December 11, 2024, a lien release with the correct date has been sent to the address listed on the complaint via Certified mail with tracking number 7021 0350 0001 5143 4468. We apologize for the inconvenience, should you have any further questions regarding your account we encourage you 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,

BSG Consumer Complaints
PO Box 550
*******************
Customer Answer
Date: 12/16/2024
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]

Complaint: 22468508

I am rejecting this response because:
It is the third time they have said they sent the letter and it still is not resolved I do not have the letter yet and until I do I will not accept their explination
Regards,

******* ******
Customer Answer
Date: 12/20/2024
This is the third letter sent to me from title max and still has the wrong date on it I have called several times and told them the only date the *** will accept is June 2019 they still have the wrong date I have called again about the date but do not look to get it ****** since the last 15 or so calls did not work please help if you can this is it for me I will retain an attorney if it happens again
Business Response
Date: 12/27/2024
December 27, 2024

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 claims only date the *** will accept is **** 2019 on their lien release. Complainant requests a letter with **** 2019 as the date.
TitleMax endeavors to assist our Customers with all of their concerns and provide the best service possible. We sincerely apologize for the poor customer service and any frustration you may have experienced. We have forwarded the Complainants claim to the appropriate members of management.
In response to the Complainants request for an updated lien release, on December 20, 2024, a lien release dated **** 17, 2019, was sent to the address listed on the complaint.We apologize for the inconvenience, should the Complainant have 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 the Better Business Bureau require further explanation, we may be reached at ************************************.

Sincerely,

BSG Consumer Complaints
PO Box 550
*******************
Initial Complaint
Date:10/23/2024
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I went and received a loan in December of 2022 for personal needs. When I applied and went to the facility they told me that I can use my vehicle as collateral. When I agreed to the loan it was explained to me that it was an installment and if I paid $365 monthly on time that my final payment would end in October of 2023.
Now I am 2 years in and still paying $365 and this company will not release my title. They have went through so many employees that the agreement of my loan have went from an installment loan to I need to repay $2800 in full to release my title. I have paid way over $8000 to this company.
I was told and still have the written agreement of payments from a previous employee there.
I am beyond disappointed in the lies I was told just to receive $2500. I have explained to several employees that I am not giving any more money bc I have paid triple the amount I was given and that the employee that explained to me I was doing an installment loan handed me a piece of paper explaining my monthly options.
I have never missed a payment and at this point I just this company off my title to my vehicle and refund of the money I have over paid.
Business Response
Date: 10/28/2024
October 28, 2024

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 InstaLoan, a member of the ***************************** 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 contracted an installment loan in December of 2022, using their vehicle as collateral,with a monthly repayment of $365.00, ending in October of 2023. The Complaint states they have paid $365.00 for two years and the company will not release their title. They claim the agreement changed from an installment loan to them needing to repay $2,800.00 in full to receive their title back, and they have paid over $8,000.00, triple the amount they borrowed. They claim they have been lied to and have a written agreement of payments from a previous employee explaining their monthly options. The Complainant is requesting their title to be returned and a refund of their overpayment.
A review of InstaLoan records revealed that on December 3, 2022, a single pay title loan was obtained in the principal amount financed of $2,846.09 at a storefront in ********, **. The Complainant granted a security interest in a 2011 Kia ******* with a VIN ending in ******. The loan was contracted to be repaid in full in the amount of $2,940.49 on January ******. However, to the extent they chose not to repay the entire balance, the Complainant could, at a minimum, pay the accrued interest and elected premiums and renew the loan for an additional thirty (30) days. On January 2, 2023, the Complainant made a payment of$365.75 and refinanced their existing loan of $2,836.88. The loan was contracted to be repaid in full in the amount of $2,931.06, on February 1, 2023.
Between February 6, 2023, and August 15, 2024, the Complainant refinanced their loan on eighteen (18) occasions. The final refinance was completed on September 20, 2024, in which the Complainant made a payment of $387.91 and refinanced their loan for the remaining balance of $2,837.06. The loan was contracted to be repaid in full in the amount of $2,945.89, on October 20, 2024.
It should be noted and contrary to the Complainants statement, they contracted and refinanced multiple single pay title loans as evidenced by the original loan agreement and subsequent refinances. At the time of loan origination, the Complainant signed a Consumer Finance Loan 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. It is important to note, under the single pay loan model, it is the expectation of the customer to pay the loan in full on or before the due date. However, instead of paying the full amount due, the Complainant chose to pay only minimum amounts due on several occasions, thereby incurring additional fees. Further to the point, the Interest; Application of Payments; Prepayment section of the agreement outlines how payments are applied to the loan:
Interest will accrue daily on the outstanding principal balance. The interest rate is ******* % per year.Interest accrues from the Loan Date until the Loan is paid in full. 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, as permitted by Chapter 516 and applicable regulations. If any finance charge or other fee is held invalid, the remainder shall remain in effect. To the extent permitted by law, for purposes of determining Lenders compliance with the law,Lender may calculate charges by amortizing, prorating, allocating and spreading. 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 make all payments in full on the specified Payment Due Date. I will owe less interest to Lender if I prepay the Loan or pay early. If I pay Lender late or do not pay in full, I will owe more interest to Lender. I may prepay this Loan at any time without penalty.
By signing the loan agreements, the *********** acknowledged their understanding of the terms and conditions of the loans.
InstaLoan believes that the conditions of the loan were clearly disclosed and cannot find any evidence of wrongdoing. Therefore,the Complainants request for the title and a refund for overpayment will not be granted. InstaLoan understands that unforeseen circumstances may occasionally arise that result in temporary financial setbacks such that making timely payments are difficult. Should the Complainant have any further questions regarding their account we encourage them to contact InstaLoan at *************.
We hope that we have fully addressed the complaint.Should the Complainant or the Better Business Bureau require further explanation, we may be reached at *****************************

Sincerely,
BSG Consumer Complaints
**********************
****************

Customer Answer
Date: 10/29/2024
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]

Complaint: 22462910

I am rejecting this response because: The loan was misleading and so was the employee that provided the loan. I explained that I could only make monthly payments and not pay the pay in full and she said that will be fine. So I have paid monthly payments on time and the amount that was provided to me to pay. I have paid way more than $3,000 to this fraudulent company and now I need my title back. This company need to employ people that will not take advantage of people by false advertisement and information. I would have never agreed to the loan if that was the case, this company is very misleading and deceitful.

Regards,

****** *********
Customer Answer
Date: 10/29/2024
I have submitted paperwork
Customer Answer
Date: 10/29/2024
I have submitted paperwork
Initial Complaint
Date:10/22/2024
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
My name is ********* ****** I am filing an complaint about title max in Tifton ga. They came and repoed my car and I'm just only a payment behind. It's just been a rough time for me. I talked to them Friday about my car issues and I told them that I was going to pay them this coming Wednesday. That is my only transportation back and fowards to work I just want my car back and I felt that I was paying to much interest on the title loan I just want them to work with me and I will work with them I need my car that's all I have to get back to work please and thanks can y'all please reach out to them please and thanks
Business Response
Date: 10/28/2024
****************

Thank you for the opportunity to respond
to the complaint filed by ********* ****** (Complainant). TitleMax
of Georgia, 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
their car was repossessed after being one (1) payment behind. They state they
need their car for transportation to work and have been paying too much interest. They request
their car back and for a payment arrangement.
It should also be noted that TitleMax operates as a
pawnbroker in accordance with Georgia law and does not issue loans.
Accordingly, each pawn ticket signed by the Complainant states, among other
things, the following which clearly identifies the transaction as a pawn:

“This
is a pawn 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.”

A review of
TitleMax records reveals that on November 10, 2023, a pawn transaction was
obtained in the principal amount financed of $3,368.00 at a storefront in
Tifton, GA. The Complainant granted a security interest in a 2015 Mitsubishi
Lancer with a VIN ending in 006839. The pawn was contracted to be repaid in
full in the amount of $3,872.86 due on December 10, 2023. However, to the
extent the Complainant chose, they could at a minimum pay the outstanding
pawnshop charges and extend the pawn an additional thirty (30) days. The
Complainant extended the pawn on four (4) occasions.
On April 10, 2024, the Complainant made a payment of $449.05 and
refinanced their existing pawn of $3,367.88. The pawn was contracted to be
repaid in full in the amount of $3,788.84 due on May 10, 2024. Between April
11, 2024, and August 15, 2024, the Complainant refinanced their pawn on two (2)
more occasions borrowing an additional $332.00. During those refinances, the
Complainant extended their pawn on three (3) more occasions.

The fourth refinance was completed on August 15, 2024, in which the
Complainant made a payment of $554.98 and refinanced their pawn for the
remaining balance of $3,699.86. The pawn was contracted to be paid in full in
the amount of $4,162.34 due on September 14, 2024.
A review of the payment history on
the fourth recent refinance indicates when the payment was not made on
September 14, 2024, the account entered a past due status. Due to continued
non-payment, the vehicle was repossessed on October 21, 2024, and assessed a
fee of $50.00.
At
the time of pawn origination, the Complainant signed a Pawn 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. In addition, the agreement includes notices on Extension and
Continuation which states:
“The initial term of the Pawn is 30 days, and
the Pawn may be extended and continued for additional 30-day periods with the
agreement of Pledgor and Pawnbroker. We may agree to extend the Maturity Date
at our discretion. As a condition to extending the Maturity Date, for the
initial extension and each subsequent extension, you must pay an amount equal
to the then outstanding Pawnshop Charge (including any charges accrued after
the Maturity Date, as described in Section 7 below), and (b) satisfy Pawnbroker’s
applicable criteria for extensions. If you do not request additional funds as
part of your extension request, then the original Pawn will be continued.”

Within
the narrative, the Complainant alleges to be paying too much in interest
however, they have only made minimum payments to extend the maturity date of
the pawn. Should the Complainant wish to
decrease the principal, they must pay more than the minimum pawnshop charges
due. By signing the pawn agreements, the Complainant acknowledged their
understanding of the terms and conditions of the pawn.
It is important to note that Title Max
encourages customers to use this product as a short-term financial solution.
The balance may be paid back at any time with no penalty for early payoff.
Further, customers may cancel the agreement by returning the check by which
TitleMax disbursed the pawn proceeds or an equivalent amount of cash to us by
the close of business on the business day following the date of the agreement.
The Complainant made two (2) payments
totaling $974.96 on October 24, 2024, to redeem the vehicle and refinanced their
pawn for the remaining balance of $3,699.96. The vehicle was redeemed by the
Complainant on October 25, 2024. The pawn is contracted to be paid in full in
the amount of $4,162.34 due on November 23, 2024.
TitleMax believes that the conditions
of the pawn were clearly disclosed and finds no discrepancy or concern in how
the transaction was processed. We encourage the Complainant to call Customer
Service at (800)804-5368 for 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,

*** * ******** **********
** *** ***
********** ** *****
Initial Complaint
Date:10/22/2024
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I entered into a car **** loan with this business. Keep in mind that on their website it states that they can have the whole application process complete in about 30 mins.
Well when I showed up at 10am the Monday I opened the loan I was there until 4pm as no one seemed to know what they were doing.
So I get a title loan after showing my only source of income was from social security and on top of that I have a rep. ******
So I get approved and then come the lies, the first being that I could refinance and would get a better rate. Sure they gave me more money but my pay rate never went down, in fact it went up.
So like many people that use this business and fall victim to predatory loans, I decided I was going to let me vehicle go. Now the phone calls start demanding I pay money or nasty and bad things are going to happen if I get repoed. This was from employee **** mind you. I explained I was surrendering my vehicle and that the keys would be in the center console. Still it does not matter this jerk keeps calling my phone demanding money.
Now on October 7th this year, I lost my brother to an apartment fire and another brother had to be life flighted to the burn center for 3rd degree ***** on most of his body. He was trying to save the brother that died. So after constant phone calls I lost it and told **** at title max that I just lost a relative that I now have to make funeral arrangements for and he did not care.
Calls stopped for 3 days and now they are back again laughing and demanding I pay them. I am at my ***** end here. Honestly I think this company should void the loan and give me my title back. No human deserves to go through this.
Business Response
Date: 10/28/2024
October 28, 2024

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 the 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 objects to the length of time they spent obtaining a loan compared to the average application process advertised on TitleMaxs website. The Complainant claims they were informed they would receive a better interest rate if they refinanced their loan,however after refinancing the interest rate increased. The Complainant alleges they are a victim of a predatory loan, leading them to decide to voluntarily surrender their vehicle. The Complainant claims after surrendering the vehicle,they received harassing telephone calls demanding payment, with only a three-day stoppage due to personal tragedy. The Complainant is requesting to void the loan and return their title.

A review of TitleMax records reveals that on September *******, an installment loan was obtained in the principal amount financed of $710.00 at a storefront in ******, **. The Complainant granted a security interest in a 2005 Chevrolet Trailblazer with a VIN ending in ******. The loan was contracted to be repaid in thirty-five (35) payments in the amount of $126.73 due monthly, beginning on October 11, 2023, and a final payment of $139.88 due on September 11, 2026. Based on our records, a payment was received on October 3, 2023, for $130.00.

On November 1, 2023, the Complainant made another a payment of $130.00 and refinanced their existing loan of $647.88, borrowing additional funds in the amount of $662.00. The loan was contracted to be repaid in thirty-five (35) payments in the amount of $236.08 due monthly, beginning on December 1, 2023, and a final payment of $233.40 due on November 1, 2026. Our records show three (3) payments were made on the loan.

Between November 1, 2023, and June 29, 2024, the Complainant refinanced their loan on several occasions, borrowing an additional $1,223.00 total. The last refinance was completed on June 29, 2024, in which the Complainant made a payment of $253.57 and refinanced their loan for the remaining balance of $1,422.12, borrowing an additional $337.00. The loan is contracted to be repaid in thirty-five (35) payments in the amount of $302.13 due monthly, beginning on August 1, 2024, and a final payment of $305.37 due on July 1, 2027.

A review of the 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 1, 2024, the account entered a past due status. The Complainant currently has a past due balance of $2,742.24. No additional payments have been made; therefore, A Notice of Default and Right to Cure (***) was sent to the Complainant and ***Signer on September 12, 2024. The *** advised the Complainant of the amount needed to be paid to bring the account current. The notice furth advises failure to make payment by September 27, 2024, could result in other collection activities as outlined in the loan agreement.

It is important to note that at the time of the loan origination and refinance, the Complainant signed a Customer Installment 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 loan agreements, the *********** acknowledged their understanding of the terms and conditions of the loans.

In response to the Complainant's claim regarding the extended delay processing the loan, on occasion, we may experience extended delays during peak times, and we appreciate the patience of our customers. We do apologize for any inconvenience this may have caused. TitleMax endeavors to assist our customers with all their concerns and provide the best service possible. In addition, TitleMax is committed to treating its valued customers in a fair, honest, and transparent manner.

Regarding the Complainants concern of receiving telephone calls pertaining to the balance owed on the account, please note that TitleMax voluntarily adheres to the guidance outlined in the Fair Debt Collection Practices Act when making consumer telephone calls to collect legitimate debt, even though it is a first-party collector. The ***** allows calls only between 8:00 a.m. and 9:00 p.m. and prohibits calls made to harass a consumer. TitleMax is attempting to contact the consumer for the purpose of reestablishing communication and a repayment plan. As a result, TitleMax's intent is not to harass but to work with consumers.

As we believe that the conditions of the loan were clearly disclosed and cannot find any evidence of wrongdoing, a refund of payment will not be provided, nor will we void the loan. TitleMax understands that unforeseen circumstances may occasionally arise that result in temporary financial setbacks. The Complainant indicates they would like to voluntarily surrender their vehicle. To that end, they are instructed to take the vehicle to the store front where they originated the loan and sign the Acknowledgement of Voluntary Surrender Form.

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

Sincerely,

BSG Consumer Complaints
**********************
*********************;
Initial Complaint
Date:10/18/2024
Type:Product Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
On 10/18/2024 I received a charge of 80$ on my checking account from this place and I would like a full refund please as I have no ties with your company. Thank you
Business Response
Date: 10/22/2024
October 21, 2024

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

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

BBB Dispute Resolution Team:

Thank you for the opportunity to respond to the complaint filed by ****** **** (Complainant).Community Choice Financial 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 there was an $80.00 charge through their checking account on October 18, 2024. They want a full refund as they do not have ties with the company.

A review of Check into Cash records revealed that on August 31, 2024, an installment loan was obtained at a storefront in ******, OK in the principal amount financed of $600.00. The loan was contracted to be repaid in eleven (11)biweekly payments of $80.48, beginning September 20, 2024, and final payment of $80.43, due February 21, 2025.

Check into Cash recognizes the seriousness of identity theft and has extensive measures in place to help mitigate the fraudulent use of unlawfully obtained data. Accordingly, the Complainants account has been forwarded to our ************************* and the Complainant has been provided with an Identity Theft packet via the email address provided on their complaint which includes instructions for pursuing a claim of fraud and the documents necessary for an investigation.

Check into Cash strongly urges any consumer who suspects that their information has been compromised to report such incidents to all applicable law enforcement agencies and take all possible precautions to secure their personal identification and financial information. Helpful tips concerning Identity Theft may be found on the ************************'s website 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,

BSG Consumer Complaints
PO Box 550
*******************
Initial Complaint
Date:10/14/2024
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I purchases a motorcycle from a seller that had two lien releases signed on the title, and it also had a signature and stamp from an individual affiliated with TitleMax as the seller on the back of the title preventing me from retitling in my name.
I reached out to the local office 9/9/24 and was told they could not help me. I reached out to their corporate office in ******* and they collected all info and was told they would order a replacement title, and I would need to wait 30 days. I requested a letter on letter head that stated they the signature was an error, but they would not issue such a letter so I could take care of this quickly.
I called back on 10/2 and spoke with Fantasia, asking for an update on the replacement title and was told I needed to wait until after 10/9/24 allowing the full 30 days to process.
I called back again 10/14/24 and spoke with ******, and was told no such request for a replacement title was ordered and I needed to speak with the local office, and she transferred my call to the San Antonio office.
I gave the local employee all the info and was told she would need to reach out to her supervisor who does not work in that office. I requested a timeframe on when I should expect a call back as I've been waiting for over 30 days so I can get this title in my name. She could not provide that info, and accused me of being rude, spoke over me, and hung up on me.
I am not a customer off this organization, and just want to get this corrected so I can retitle and drive the motorcycle I purchased.
I would like on answer on what this organization intends to provide to correct this in a timely manner, along with a point of contact since no one seems to understand what or how to address this.
Business Response
Date: 10/16/2024
October 16, 2024

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, 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 purchased a motorcycle that had two lien releases signed on the title, and it also had a signature and stamp from an individual affiliated with TitleMax as the seller on the back of the title, preventing them from retitling in their name. They reached out to the store who claim they requested a new title, but it has been past 30 days, then the store said they had not requested it. The Complainant is not getting any help and representatives are being rude.

Based on the Complainants information provided within the Better Business Bureau complaint,we are unable to identify a customer account with *********************** without obtaining further identifying information. They are encouraged to contact TitleMax directly at ************** to provide further identification so that any existing account may be located, and appropriate investigation can be conducted.

TitleMax endeavors to assist everyone with all of their concerns and provide the best service possible. We sincerely apologize for the poor customer service and any frustration the Complainant may have experienced.

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,

BSG Consumer Complaints
PO Box 550
*******************
Customer Answer
Date: 10/17/2024
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]

Complaint: 22420500

I am rejecting this response because:
The VIN # was provided with the attached pictures, which was not an issue for anyone to look up from TitleMax during each of my calls. Again, the issue is that someone signed as seller, which needs to be corrected by TitleMax. The liens were already released. What does TitleMax intend to do to correct their error?

Regards,

******** ****
Customer Answer
Date: 10/17/2024
An email was sent per instructions with the front and back of the title showing the liens were released, and that they signed the back of the title as seller. TitleMax need to request a new title or provide a letter stating that the seller line was signed and stamped in error.
Customer Answer
Date: 10/17/2024
******** <***********************************>
Attachments
2:07 PM (38 minutes ago)
to info

Attached please find the front and back of the title requested. The front shows the liens were satisfied and released. The back shows someone signed and stamped the title as seller, which should never have been presented back to the owner without correcting first. I need the title corrected so I may retitle in my name as the purchaser. I'm also going to fined for the delay in retitling because TitleMax requested 30 days on 9/19/24 and any additional time for necessary corrections. Please let me know if you have any additional questions.

Thank you,
******** ****
************
Customer Answer
Date: 10/17/2024
******** <***********************************>
Attachments
2:07 PM (38 minutes ago)
to info

Attached please find the front and back of the title requested. The front shows the liens were satisfied and released. The back shows someone signed and stamped the title as seller, which should never have been presented back to the owner without correcting first. I need the title corrected so I may retitle in my name as the purchaser. I'm also going to fined for the delay in retitling because TitleMax requested 30 days on 9/19/24 and any additional time for necessary corrections. Please let me know if you have any additional questions.

Thank you,
******** ****
************
Business Response
Date: 10/22/2024
October 21, 2024

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

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

BBB Dispute Resolution Team:

Thank you for the opportunity to respond to rebuttal referencing the complaint filed by ******** **** (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 attached the front and back of the title. The front of the title shows liens were satisfied and released but the back shows someone signed and stamped the title as the seller, which should never have been presented back to the owner without correcting first. They need this corrected.They are going to be fined for the delay in retitling because TitleMax requested 30 days on September 19, 2024, and any additional time for necessary corrections.

Upon completing our investigation, we found that ****** ***** has never been an employee at our organization and was not on staff during the time the document in question was signed. To resolve this matter, we recommend reaching out to the seller directly and collaborating with the *** to correct any discrepancies in their records.

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,

BSG Consumer Complaints
PO Box 550
*******************
Initial Complaint
Date:10/10/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I wanted to get the rest of my money to pay a medical bill and I told them I needed it and they won't give it to me and I told them that I wanted to keep my car and get the money and they didn't the lady thought I was going to surrender my car to them but I said no I wasn't and they locked my account
Business Response
Date: 10/16/2024
October 16, 2024

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 ************* *** TitleMax, a member of the 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 requested to borrow additional funds, however ******** did not grant their request. The Complainant states they wish to retain their vehicle despite a ******** employees belief they were going to surrender their vehicle. The Complainant claims their account was then blocked and is requesting a refund.

A review of TitleMax records reveals on February 2, 2024, a **** was obtained in the principal amount of $518.00 at a storefront in ********, **. The Complainant granted a security interest in a 2011 Honda Pilot with a VIN ending in ******.The **** was contracted to be repaid in full in the amount of $621.55 on March 3, 2024. However, to the extent they chose not to pay the amount in full to redeem the vehicle, the Complainant could, at a minimum, pay the outstanding pawnshop charges and interest and extend or refinance the **** for an additional thirty (30) days. On April 18, 2024, and August *******, the Complainant refinanced their **** on multiple occasions, borrowing an additional $6,694.00. The last refinance was completed on September 23, 2024,in which the Complainant paid the minimum and extended their **** of $7,112.56.The **** is contracted to be repaid in full in the amount of $9,464.13 due on October 23, 2024.

On October 9, 2024, the Complainant was advised additional funds were available; however, the Complainant stated they were not interested.On October 14, 2024, TitleMax received a call from the Complainant stating they cannot access available funds on their account. The Complainant was advised to return to contact the storefront where the **** originated for more information on their **** to discuss what would be needed to receive the additional ******** of the date of this response, the Complainant has not contacted the store.

To address the Complainants claim that TitleMax erroneously believes they would like to surrender their vehicle, we apologize for the error.

As we believe that the conditions of the **** were clearly disclosed and cannot find any evidence of wrongdoing, the refund request will not be accepted at this time. The Complainant may contact Speedy Cash directly at ************** for any other questions or concerns regarding their account.

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

Sincerely,

BSG Consumer Complaints
**********************
*********************;
Customer Answer
Date: 10/17/2024

**** ****** <*****************************>
Wed, Oct 16, 7:23 PM (13 hours ago)
to disputeresolution

You guys didn't do your job
Initial Complaint
Date:10/08/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I paid off my loan and it has come out of my bank account but is not reflected in my online Speedy Cash account so they are attempting to take out another payment. The customer service person on the phone refused to help me and was very rude.
Business Response
Date: 10/14/2024
*******************

Thank you for the
opportunity to respond to the complaint filed by ****** ******* (Complainant). SCIL INC, LLC 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 paid off
their loan, but it is not showing as paid on their online Speedy Cash account. They allege Speedy Cash is attempting to take
out another payment. They further state the customer service representative on
the phone refused to help them and was very rude and desire a billing
adjustment.
A review of Speedy Cash records revealed on July 10,
2024, an installment loan was obtained in the amount of $1,000.00 online. The
loan was contracted to be repaid in over fourteen (14) months with thirteen (13)
payments of $157.92, due every other Friday beginning on July 19, 2024, and a
final payment of $157.98, due on January 17, 2025. Based on the payment history, we have
received 6 payments in the amount of $157.92. On October 4, 2024, an ACH
payment in the amount of $775.25 was scheduled and on October 9, 2024, the
payment posted to the account, which paid the loan off in full. On October 10,
2024, an email was sent to notify the Complainant of their account status.
Speedy Cash endeavors to assist our customers with all
of their concerns and provide the best service possible. We sincerely apologize
for the poor customer service and any frustration the Complainant may have
experienced. We have forwarded the Complainant’s claim to the appropriate
members of management.

We hope that we have fully addressed the complaint.
Should the Complainant or the Better Business Bureau require further
explanation, we may be reached at ****************************
Initial Complaint
Date:10/04/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I obtained the loan on 12.15.22, and in June 2024, the transmission failed on the car which the title loan was secured.
I contacted the branch to see what my options were when dealing with an immobile vehicle. ***************** at Titlemax ********************************************************************** informed me that if the automobile broke down, the only option was to bring it (at my own expense) to the Titlemax Branch, where they can confiscate it and list it on my credit report as if I had defaulted on a loan.
I explained to the new Manager, whom I had never met before since payments were always made on time and through the portal, that it was not my intent to default on the loan, but rather to find a common ground of resolution since the car was not mobile. we got nowhere, so I obtained the phone number to the Director of Operations.
The D.O. explained that to pursue a settlement, I would need to submit a cost estimate to fix the vehicle.
On September 19th, 2024, I submitted the estimated cost of $2,002.00.
It's been two weeks since the documents have been submitted and I have not heard anything. I then called the D.O again and asked for an estimated date on when the settlement will be accepted, they replied, there is no time frame.
As of today, I did my best to comply with all consumer rules and regulations and have paid $14,050.26 to TitlleMax, not to include the money that I will be required to pay because they have not acknowledged a settlement by 10.10.24.
My loan is only $5,368.00. I've paid this loan more than three times the stated amount and I am unable to obtain any assistance in settling when my car breaks down?
So, my assumption is I will never be able to walk out of this debt with good standing; I don't want a defaulted loan, so they will wait on my settlement and squeeze these payments out of me.
I cant move in getting a new car and I cant get this one fixed because payments of ****** are going to the titlepawn. its been a nightmare and horrific.
Customer Answer
Date: 10/07/2024

As additional information to provide this is the estimate received and what was sent to Titlemax on 9.19.24

Business Response
Date: 10/09/2024
October 9, 2024

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 the 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 indicates their vehicle is inoperable and asked TitleMax about a settlement. The Complainant further states they have hear nothing additional after submitting an estimate cost to fix the vehicle. The Complainant claims they have paid more than three times the **** amount and requests assistance.
A review of TitleMax records revealed that on December *******, a **** transaction was obtained in the principal amount of $2,518.00 at a storefront in ********, **. The Complainant granted a security interest in a 2014 ****** Camry with a VIN ending in ******. The **** was contracted to be repaid in full in the amount of $2,920.62 on January 14, 2023. However, to the extent they chose not to pay the amount in full to redeem the vehicle, the Complainant could, at a minimum, pay the outstanding pawnshop charges and extend or refinance the **** for an additional thirty (30) days. The Complainant made two (2) payments on January 14, 2023, and February 9, 2023, in the amount of $402.62 each to extend their due date an additional 30 days.
Between February 15, 2023, and September 14, 2023, the Complainant extended or refinanced their **** multiple times, occasionally borrowing additional funds. The final refinance was completed on September 10, 2024. As outlined in the most recent agreement, the **** is contracted to be repaid in full in the amount of $6,039.00, on October 10, 2024. On October 7, 2024, the Complainant was informed that their request for a settlement agreement had been declined.
The Complainant entered into a **** transaction with TitleMax. Under a **** transaction, the entire balance of the **** becomes due and owing in thirty (30) days. The Complainant has no obligation to redeem the Vehicle or make any payment on this ****. As indicated in the Initial Term; Extension and Continuation:
The initial term of the **** is 30 days, and the **** may be extended and continued for additional 30-day periods with the agreement of Pledgor and Pawnbroker. We may agree to extend the Maturity Date in our discretion. As a condition to extending the Maturity Date, for the initial extension and each subsequent extension, you must pay an amount equal to the then outstanding Pawnshop Charge (including any charges accrued after the Maturity Date, as described in Section 7 below), and (b) satisfy Pawnbrokers applicable criteria for extensions. If you do not request additional funds as part of your extension request, then the original **** will be continued.

Contrary to their allegations,the Complainant has not paid more than three times for the ****. Rather than pay the pay the balance in full,the Complainant chose to pay the minimum pawnshop charges and extend or refinance the **** each month thereafter, thereby accruing additional charges. It is important to note that Title Max encourages customers to use this product as a short-term financial solution. The balance may be paid back at any time with no penalty for early payoff.
Redemption or continued payment extending the maturity date of the **** is up to the Complainant. Nothing in this agreement gives us any recourse against them other than our right to take possession of the vehicle upon default in accordance with Georgia law. By signing this agreement, the Complainant acknowledged their understanding of the terms and conditions of the ****.
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 questions regarding their account.
We hope that we have fully addressed the complaint. Should the Complainant or the Better Business Bureau require further explanation, we may be reached at ************************************.

Sincerely,

BSG Consumer Complaints
**********************
*********************;

Customer Answer
Date: 10/10/2024

******* ***** <*****************************>
Attachments
Tue, Oct 8, 9:14 AM (2 days ago)
to *********************************************************************************

Hello,

As an additional update on Ref. # ********, I received a call from Titlemax yesterday stating they will NOT grant the settlement request, I would need to settle with a Higher $ amount and they may reconsider. is this even legal? I have already paid 3 times over the borrowed amount, the car is not even functional to continue making these payments with no recourse on if they will ever accept a settlement. Also while looking over documents I noticed they falsified the application stating that my credit score was a 600. It is not lower, but I suppose to get the loan that is what they needed to state. Document attached.
Please review the complaint in its entirety as this cannot be legal.
--
******* *****
Payroll Partner, Atrium

************ | *************************

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

****************** | *************************************************************
Business Response
Date: 10/16/2024
October 16, 2024

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 the 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 informed by TitleMax that the requested settlement will not be granted, however TitleMax may reconsider a higher settlement amount. The Complainant claims they have paid three (3) times over the borrowed amount and as the vehicle is no longer functional, debates continued payments with no recourse of a settlement being accepted. The Complaint alleges falsification of their credit score on the application, inferring the score had been altered in order for the loan to be approved. The Complainant, questioning the legality of TitleMaxs actions, is requesting a review of the complaint in its entirety.

It should be noted that contrary to the Complainants statement of receiving a loan TitleMax operates as a pawnbroker in accordance with Georgia law and does not issue loans. Accordingly, each **** ticket signed by the Complainant states, among other things, the following which clearly identifies the transaction as a pawn:

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.

A review of TitleMax records revealed that between February 15, 2023, and September 14, 2023, the Complainant extended or refinanced their **** multiple times, occasionally borrowing additional funds. The final refinance was completed on September 10, 2024. The **** is contracted to be repaid in full in the amount of $6,039.00, on October 10, 2024. On October ******, the Complainant was informed that their request for a settlement agreement had been declined.

The Complainant entered into a **** transaction with TitleMax. Under a **** transaction, the entire balance of the **** becomes due and owing in thirty (30) days. The Complainant has no obligation to redeem the Vehicle or make any payment on this ****. As indicated in the Initial Term,Extension and Continuation:

The initial term of the **** is 30 days, and the **** may be extended and continued for additional 30-day periods with the agreement of Pledgor and Pawnbroker. We may agree to extend the Maturity Date in our discretion. As a condition to extending the Maturity Date, for the initial extension and each subsequent extension, you must pay an amount equal to the then outstanding Pawnshop Charge (including any charges accrued after the Maturity Date, as described in Section 7 below), and (b)satisfy Pawnbrokers applicable criteria for extensions. If you do not request additional funds as part of your extension request, then the original **** will be continued.

Contrary to their allegations, the Complainant has not paid more than three times for the ****. Rather than pay the balance in full, the Complainant chose to pay the minimum pawnshop charges and extend or refinance the **** each month thereafter, thereby accruing additional charges. It is important to note that Title Max encourages customers to use this product as a short-term financial solution. The balance may be paid back at any time with no penalty for early payoff.

Redemption or continued payment extending the maturity date of the **** is up to the Complainant. Nothing in this agreement gives us any recourse against them other than our right to take possession of the vehicle upon default in accordance with Georgia law. By signing this agreement, the *********** acknowledged their understanding of the terms and conditions of the ****.

To address the claim of the falsified application, TitleMax uses a proprietary scoring system for its loan underwriting process. This proprietary scoring system produces an internal score that TitleMax, and only TitleMax, uses to determine whether a consumer is eligible to receive a loan. In addition, in the Your Credit Score and the Price you Pay for Credit document it states:

What if there are mistakes in your credit report? You have a right to dispute any inaccurate information in your credit report. If you find mistakes on your credit report,contact **********************, which is the consumer reporting agency from which we obtained your credit report: **********************, a part of Experian, ************************** P.O. ***********************, 1-************. It is a good idea to check your credit report to make sure the information it contains is accurate.

The Complainant is welcome to proceed with disputing the information in the document by contacting ********************** reachable at **************.

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 questions regarding their account.

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

Sincerely,

BSG Consumer Complaints
**********************
*********************;
Initial Complaint
Date:10/02/2024
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Original contract was said to be at a 12.5 interest rate because of my good payment history and they have not stuck to that agreement.
Based on that. The contracts are misleading and unfairpractices. When I question them about this, they told me someone would get back to me and never did.
Business Response
Date: 10/07/2024
BB
Dispute Resolution Team:

Thank
you for the opportunity to respond to the complaint filed by ****** ** ******** *** (Complainant).
TitleMax of Georgia, 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 their
original contract shows their interest rate to be 12.5% due to their good
payment history. They believe the contracts are misleading and unfair
practices. They’ve asked questions regarding their issues and was told someone
would get back to them and never received a response.
A review of TitleMax records revealed that on
January 3, 2024, a pawn was obtained in the principal amount financed of
$3,018.00 at a storefront in Madison, GA. The Complainant granted a security
interest in a 2014 Dodge Grand Caravan with a VIN ending in 238075. The pawn
was contracted to be repaid in full in the amount of $3,470.40 due on February
2, 2024. If they chose not to pay the entire balance, they could, at a minimum
pay the pawnshop charges and extend the pawn for an additional 30 days. Between
January 30, 2024, and September 12, 2024, the Complainant chose to extend their
existing pawn on seven (7) occasions. On September 12, 2024, the Complainant
made a payment of $143.29 and refinanced the pawn, borrowing an additional
$3,000.00. The pawn is contracted to be repaid in full in the amount of
$6,350.94 due on October 12, 2024.
At the time of pawn origination, the Complainant
signed a Pawn Transaction Disclosure Statement and Security Agreement that
clearly discloses the annual percentage rate in accordance with the Federal
Truth-in-Lending Act and Regulation Z. By signing the pawn agreement, the
Complainant acknowledged their understanding of the terms and conditions of the
pawn outlined in Pawnshop Charge section, which states:
Pawnshop Charge:
The
Pawnshop Charge for the initial 30-day period of the Pawn Transaction is
12.5000 % of the principal amount advanced, with a minimum Pawnshop Charge of
$10.00 for such period. The
Pawnshop Charge shall be deemed earned, due, and owing as of the Pawn Date. If
this Agreement is continued and extended as provided in Section 4, the Pawnshop
Charge for the first two extension periods will be 12.5000% of the principal
amount outstanding, with a minimum Pawnshop Charge of $10.00 for such period.
For extensions that continue the Pawn beyond the first three 30-day periods,
the Pawnshop Charge for each subsequent 30-day period will not exceed 12.5% of
the principal amount outstanding, with a minimum Pawnshop Charge of $5.00 for
each such period. The Annual Percentage Rate (“APR”) for the initial 30-day
period of this Pawn, and each of the first two renewal periods thereafter, is
152.08%, and the amount to redeem the Vehicle during each such period is
$6,350.94. The foregoing APR and redemption amount are calculated assuming that
the principal of the Pawn will not be increased or decreased after the Pawn
Date and that you will pay all Pawnshop Charges in full and on time. After the
first three 30-day terms of this Pawn, for each subsequent 30-day term,
assuming that the principal of the Pawn will not be increased or decreased
after the Pawn Date, that you will pay all Pawnshop Charges in full and on
time, and that the periodic Pawnshop Charge is equal to 12.5000% of the
principal amount advanced, the APR for each 30-day term is 152.08% and the
amount to redeem the Vehicle during each such period is . If you pay any amount
to reduce the principal amount of the Pawn or borrow additional funds and sign
a new Agreement, the foregoing disclosures no longer apply.
The expectation is for the customer to pay in
full on or before the expiration of the thirty (30) day pawn term. However,
rather than paying the balance in full, the Complainant elected to pay any
outstanding interest and fees and extend the pawn for an additional thirty (30)
days on each occasion thereby accruing additional charges.
TitleMax endeavors to assist our customers with
all of their concerns and provide the best service possible. We sincerely
apologize for the poor customer service and any frustration you may have
experienced. We have forwarded the Complainant’s claim to the appropriate
members of management. Should the Complainant have any other questions or
concerns regarding their account, we encourage them to contact TitleMax
directly ###-###-####.
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,

BSG
– Consumer Complaints
** *** ***
********** ** *****

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