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:05/06/2025
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.
Refuse to change my payment date and order for me to make my payments more successfully they are trying to steal my car because they want me to fail that payments nor can you ever pay down the interest rate. The only way I can move my payment date I was told by an employee named ****** that I would have to pay my interest.
I've paid back this loan plus more and still this loan amount never changes and all I've asked was to move a simple payment date with an absolutely of refusal.
This company is extremely greedy I do not understand why my loan amount is not going down nor why I cannot make a payment date change to be more successful on paying off this low.
This company should be sued
Business Response
Date: 05/09/2025
May 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). TitleMax of Arizona, ***** DBA TitleMax, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant states their request to change their payment date was refused. They also claim their loan balance is not going down. They are requesting a billing adjustment.
A review of TitleMax records revealed that on June 21, 2024, the Complainant obtained a loan in the amount of $2,050.00 at a storefront in *******, **. The Complainant granted a security interest in a 2000 ****** Xterra with a VIN ending in ******. The loan was contracted to be repaid in twenty-three (23) monthly payments of $323.84 beginning July 25, 2024, with a final payment of $323.79, due July 25, 2026. On December 19, 2024, the Complainant made a payment of $63.18 and refinanced their existing loan of $1,831.53 borrowing an additional $506.00. The loan was contracted to be repaid in twenty-three (23) monthly payments of $368.06 beginning January 23, 2025, with a final payment of $367.94, due December 23, 2026.
The second and most recent refinance was completed on January 31, 2025, in which the Complainant made a payment of $127.30 and refinanced their existing loan of $2,337.53, borrowing an additional $150.00. The loan was contracted to be repaid in twenty-three (23) monthly payments of $393.01 beginning March 6, 2025, with a final payment of $393.18, due February 6, 2027.
Payment history on the most recent refinance indicates there have been seven (7) payments made on the loan, although the Complainant elected to pay their scheduled payment amounts in partial payments. When the payment was not made on May 6, 2025, the account entered a past due status. As of the date of this response, the Complainants account currently has a past due balance of $393.01 to bring the account current but is subject to change due to interest and/or fees that may be accruing.
At the time of the loan origination and each refinance, the Complainant signed a *************** Vehicle Finance Transaction Contract that clearly disclosed the annual percentage rate, finance charge, amount financed,total of payments and the repayment schedule in accordance with the Federal Truth-in-Lending Act and Regulation Z. It is also important to note that a ******** employee explained the terms and conditions to the Complainant. By signing the contracts, the *********** acknowledged their understanding of the terms and conditions of the loans.
To address the Complainants statement of the balance not decreasing, as outlined in the signed agreement under the section titled Interest;Application of Payments; Prepayment:
Interest will accrue daily on the outstanding principal balance. The interest rate is ********% per year (which is based on a monthly rate of *******%). Interest accrues from the Loan Date until the first to occur of (a) the Loan is paid in full, and (b) the day that is 90 days after the final Payment Due Date. Interest accrues based on the number of days elapsed over a 365-day year. Lender calculates and charges interest, including interest on past due principal, under Arizona Revised Statutes ****** et seq. If any finance charge or other fee is held invalid,the remainder shall remain in effect. Lender applies payments first to unpaid interest, then to fees, and then to unpaid principal. The Payment Schedule and Finance Charge above assume that I pay all installments in full on the Payment Due Dates. I will owe less interest if I pay early or prepay. If I pay late or do not pay in full, I will owe more interest. I may prepay this Loan at any time without penalty. Interest as used in this Contract means the secondary motor vehicle finance rate for purposes of Arizona Revised Statutes ****** et seq.
The loan is a simple interest installment loan designed to be paid off over a specified term period. At the beginning of the loan, interest takes up the majority, if not all, of the payments made. As time progresses,more of each payment is applied to the principal, if paid as scheduled.Interest also accrues on a daily basis on the unpaid principal balance of a loan. If a customer pays late, additional interest accrues, and if a customer pays early, more of the payment applies toward the principal balance.Accordingly, the Customer will achieve principal reduction if their payment is timely and/or large enough to satisfy the accrued interest on the account. The Complainant chose to refinance and borrow additional funds on several occasions,entering into a new contract instead of paying down the balance.
Regarding their request for a due date change,unfortunately, the due date cannot be changed once the loan is finalized.However, should the Complainant be unable to pay on the scheduled due date,TitleMax will accept the Complainant's payment up to nine (9) days late without assessing a late fee. Please note, additional interest may accrue due to this.
TitleMax believes that the conditions of the loan were clearly disclosed and finds no wrongdoing or concern in how the transaction was processed, therefore a billing adjustment will not be provided. ******** ensures that all fees and interest charged are in compliance with all applicable State and Federal laws and regulations. Should the Complainant have any further questions regarding their account we encourage them to contact their local 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
*******************Initial Complaint
Date:05/06/2025
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.
I paid off my loan. I have a notarized and signed and dated letter stating my lien is released. They will not release t electronically. I am not able to modify my registration or title without that electronic release. No one in the business knows how to do that or how to contact anyone that does.Business Response
Date: 05/12/2025
May 12,
2025
Better Business Bureau
1169 Dublin Road
Columbus, OH 43215
RE: BBB Complaint ID 23294999
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint
filed by ***** ******** (Complainant).
Check into Cash of Idaho, LLC., DBA Check Into Cash, a member of Community
Choice Financial® family of brands, appreciates the role of the
Better Business Bureau in resolving consumer concerns. We are happy to provide
this response.
To summarize, the Complainant states they paid off their loan
and have a notarized lien release but are not able to modify their registration
unless the lien is released electronically.
A review of Check Into Cash records revealed that on January
12, 2022, the Complainant obtained a loan at a storefront in Nampa, ID. The
Complainant granted a security interest in a 2015 Chevrolet Impala with a VIN
ending in ******. Payment history indicates the Complainant paid off the
account in full on February 16, 2022.
To address the Complainant’s request to have the lien
released, it appears that a notarized lien release was previously provided to
the Complainant. However, we have submitted an electronic lien release as of
May 9, 2025.
Should the
Complainant have any other questions, we encourage them to contact Check Into
Cash directly at ###-###-####.
We hope that we have fully addressed the complaint. Should
the Complainant or Better Business Bureau require
further explanation, we may be reached at *****************************
Sincerely,
Consumer Protection
** *** ***
********** ** *****Initial Complaint
Date:05/06/2025
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.
They sent me a letter saying I have to pay them ******* in 10 days if not they will get me arrested I did report to my employer for my check that was stolen from my post office boxBusiness Response
Date: 05/08/2025
May 8, 2025
Business Bureau
**********************************************************************
RE: BBB Complaint ID ********
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the complaint filed by ***** ****** (Complainant). California Check Cashing Stores, a member of Community Choice Financial family of brands, appreciates the role of the Better Business Bureau in resolving consumer concerns. We are happy to provide this response.
To summarize, the Complainant claims they received a letter asking for payment within ten (10) days or they will be arrested. The Complainant further alleged their check was stolen from their post office box and denied they cashed the check.
A review of California Check Cashing Stores records revealed that on September 21, 2024, the Complainant cashed a check from State of California, in the amount of $2,268.96, at a storefront in **************, **. A check cashing fee in the amount of $68.07 was assessed. The check was returned on April 25, 2025, and the account assessed a $25.00 Return Check Fee, which brought the total amount owed to $2,293.96.
On April 29, 2025,a letter was sent to the Complainants address on file informing them of the $2,268.96 check returning and providing a 10-day notice to pay the balance, payment methods that were acceptable, or the option to call in for payment arrangements. In addition, the letter stated that in 10 days the item may be turned in to the police department if the balance is not paid.
California Check Cashing Stores investigated the allegations made by the Complainant and confirmed that at no time was the Complainant threatened with criminal charges or jail. California Check Cashing Stores has policies and procedures in place to ensure its commitment to treating its valued customers in a fair, honest, and transparent manner. California Check Cashing Stores reasonably ensures that its development, delivery, and servicing of products will not result in an act or practice that is unfair,deceptive, or abusive.
California Check Cashing Stores 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.
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 Group
PO Box 550
*******************Initial Complaint
Date:05/05/2025
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 a title loan with ******** located at ********************************************************************, Someone hacked into my account and borrowed $800 online, my previous balance was about $600 plus interest, the business is refusing to take my regularly scheduled payment of $158.54, however I was able to make a payment today 5/5/25 for $160, the business has told me they are investigating this matter, but the business is expecting me to pay $2055.08 and my car is up for repossession,
I have provided a bank statement, notarized fraud affidavit, and police report, and they are not excepting any of this, I just want my account corrected to the balance that I actually owe.
Business Response
Date: 05/09/2025
May 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).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 someone hacked into their TitleMax account and borrowed $800.00 online. They also claim TtleMax is refusing to take their regular scheduled payment of $158.54. They are requesting a billing adjustment.
A review of TitleMax records revealed that on January *******, the Complainant obtained a loan in the amount of $270.50 at a storefront in ********, **. The Complainant granted a security interest in a ************************************** ******. The loan was contracted to be repaid in twenty-three (23) monthly payments of $57.01 beginning March 3, 2025, with a final payment of $57.12, due February 3, 2027. On February 1, 2025, the Complainant made a payment of $21.33 and refinanced their existing loan of $270.50, borrowing an additional $270.50. The loan was contracted to be repaid in twenty-three (23) monthly payments of $109.68 beginning March 3, 2025, with a final payment of $109.05, due February 3, 2027.
On February 6, 2025, the Complainant made a payment of $104.00 and refinanced their existing loan of $454.78, borrowing an additional $325.00. The loan was contracted to be repaid in twenty-three (23) monthly payments of $156.35 beginning March 6, 2025, with a final payment of $158.24,due February 6, 2027. The third and most recent refinance was completed online on February 14, 2025, in which a payment of $41.00 was made, the existing loan of $779.78 was refinanced, and an additional $863.00 was borrowed. The loan was contracted to be repaid in twenty-three (23) monthly payments of $298.62 beginning March 14, 2025, with a final payment of $298.95, due February 14,2027.
At the time of loan origination and each refinance, a Consumer Installment Loan Agreement, Promissory Note and Security Agreement was signed 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.
Payment history on the most recent refinance indicates there have been two (2) payments made on the loan. When the payment was not made on March 14, 2025, the account entered into a past due status, and a First Notice of Default and Right to Cure was mailed to the address on file on March *******. The Complainants account would enter a past due status a second time when the scheduled April 14, 2025, payment was not made. As of the date of this response, the Complainants account currently has a past due balance of $217.24 to bring the account current but is subject to change due to interest and/or fees that may be accruing.
To address the Complainants Identity Theft claim as well as the documents they provided, an Identity Theft claim was previously initiated,and the Complainant was sent an Identity Theft packet to complete an investigation into their claim. All documents required were received and an investigation was completed into their claim which resulted in being dismissed for insufficient evidence on May 6, 2025. The Complainant was mailed the result of the investigation, which also included instructions if they wished to rebut our findings.
TitleMax understands that unforeseen circumstances may occasionally arise that result in temporary financial setbacks such that making timely payments are difficult. Accordingly, TitleMax is willing to discuss mutually satisfactory repayment arrangements in order to assist the Complainant in paying back their loan. We encourage the Complainant to call our *************************** directly at ************** to discuss repayment options.
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:04/26/2025
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.
The first of March to get my title from Highway Department could not find it that said Title Mix had a lien on nit so I left
went to Title Max in ************* and they told me there was no lien on my account then called someone while I was in the office they could not find it either then they said they had to call me the next week
I forgot so I called back and was told to call the following Monday so called on Monday was told to call back again I did
they gave me a number to call snd I did
they Said I owed money from 2015 I told them it was paid off and they added interest to 191 I ask why would I pay all but 191 they could not answer said I must forgot would not discuss kept hanging up on me if I was not going to pay it
I paid this off 10 years ago but they are saying I did not if no receipt or pay off they disconnected call they never one time to try to get my car for not paying or evening telling me I owed more money who keeps receipts for 10 years?
Business Response
Date: 05/02/2025
***************
Thank you for the opportunity to respond to the complaint
filed by **** ******* (Complainant).TitleMax of South Carolina 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 a lien remains on their
vehicle despite paying the loan off ten (10) years ago. They went to the local
storefront, who could not locate a lien, and they are now requesting a refund.
A review of TitleMax records revealed that on September 17,
2014, the Complainant obtained a loan in the amount of $1,615.00 at a
storefront in Bennettsville, SC. The Complainant granted a security interest in
a 2001 Chevrolet Tahoe with a VIN ending in ******. The loan was contracted to
be repaid in twenty-three (23) monthly payments of $221.37, beginning October
17, 2014, with a final payment of $221.52, due September 17, 2016.
Payment history indicates there were ten (10) payments made
on the loan. When the payment was not made on January 17, 2016, the account
entered a past due status. Please note that a Notice of Default and Right to
Cure was previously mailed to the address on file on November 28, 2014. As
gesture of goodwill, on May 1, 2025, we have mailed a lien release via USPS
First Class Mail to the address provided in their complaint.
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:04/22/2025
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.
Was a victim of a loan scam with speedycash provided a prepaid greendot card and it took my fundsBusiness Response
Date: 04/25/2025
**************
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 that they are a
victim of a loan scam with Speedy Cash. They were provided with a prepaid GreenDot
card, and it took their funds. They request a refund of $101.95.
A review of Speedy Cash records did find an account belonging to
Complainant however, we strongly deny the claim mentioned within the complaint occurred
with Speedy Cash. If the Complainant believes they have an open loan with
Speedy Cash, they are encouraged to contact Speedy Cash directly at
###-###-#### to provide further identification so that an appropriate
investigation can be conducted.
Speedy Cash is aware that, unfortunately, bad actors are posing as
collectors for legitimate lenders in an attempt to defraud unsuspecting
consumers by means of threats and harassment. Speedy Cash encourages consumers
to report all such fraudsters to local law enforcement agencies. The
Complainant is invited to visit Speedy Cash’s website, *********************************** to learn more about how to
protect against such fraudulent acts.
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 Complaints
** *** ***
********** ** *****Initial Complaint
Date:04/21/2025
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 borrowed only $500 towards my 2010 Nissan Altima right before Christmas 2024. I was a payment behind, called them and left two messages stating I was making payment that Friday, yet on the same day a tow truck driver showed up. This was around the 2nd week of Feb. 2025. I went and picked my car up after I paid the $128.00 to get my car back, the 1st Monday in March 2025.
Upon entering my car I realized the defrost was on high, knowing it was not on when they got the car. I get not even a mile down the road my car runs very hot, pull over, get help, add water..then car wouldn't start. This is when I noticed the latch that holds my hood up, is now missing. It was on there when they got the car.
Get home and my husband looks under front of my car...notice huge blob of grease from tow truck, and a hole I'm my radiator, cracked my front bumper, also the condensing coil is dented in real bad.
So the tow truck driver damaged my car, obviously opening my hood...losing the latch, yet acting like nothing happened.
I filed a claim to Titlemax end of March2025...and still have not heard nothing.
I want them to be reliable for the damage they done to my car. That's fair. Instead they want me to still make my payments...I don't think this is right. Will you help me get down to the bottom of this please?
Business Response
Date: 04/25/2025
****************
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 vehicle was
repossessed and suffered various damages. They advise they filed a claim with
TitleMax but have not heard anything and request repair of their vehicle.
A review of TitleMax records revealed that on December 23,
2024, the Complainant obtained a pawn in the amount of $568.00 at a storefront
in Valdosta, GA. The Complainant granted a security interest in a 2010 Nissan
Altima with a VIN ending in ******. The pawn was contracted to be repaid in
full in the amount of $692.90, due January 22, 2025. No payment was made on the
schedule due date and the vehicle was eventually recovered on February 28,
2025, and the pawn was assessed a $50.00 Repossession Fee.
On February 28, 2025, the Complainant made a minimum payment
of $238.80 to redeem their vehicle and refinanced their existing pawn of
$568.00. The pawn was contracted to be repaid in full in the amount of $680.33,
due March 30, 2025. The second and current refinance was completed on April 4,
2025, in which the Complainant made a minimum payment of $124.16 and refinanced
their existing pawn of $568.00. The pawn is contracted to be repaid in full in
the amount of $639.00, due May 4, 2025. As of the date of this response, the
Complainant’s pawn is current.
It is important to note that at the time of origination and
each refinance, 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. By
signing the agreement, the Complainant acknowledged their understanding of the
terms and conditions of the agreement, including the company’s right to recover
the vehicle due to nonpayment.
Regarding the status of their vehicle damage claim, it is
important to note that TitleMax used an unaffiliated third-party vendor to
recover the vehicle. The individuals assigned to recover the vehicle are not
TitleMax employees. As such, any recourse the Complainant may have is with
********* **** ******** (***). The Complainant may contact *** directly at
###-###-#### for any questions or status regarding any claim they may have
previously filed.
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 Complaints
** *** ***
********** ** *****Initial Complaint
Date:04/18/2025
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 January 31, 2024, I applied for a loan. I was approved for 2300.00 with payments of 204 per month. I repaid 408 a month (weekly and bi-weekly) to speed up the payment process. I made my last payment on October 20, 2024.
On October 23, 2024, I contacted the customer department to ask for the calls to stop and to verify the loan was paid in full. The rep advised it was and added a do not call to the account. No letters were mailed to me about my account.
On April 1, 2025, my vehicle was repossessed. When I called the police, the officer stated my lien holder repossessed my vehicle and advised it was Title Maxx. I contacted the office and spoke with the manager ******* *****. The manager stated that she did not repossess my vehicle and asked me to come to the office. The manager stated that I did a title loan on my vehicle and owed 4,216.00. I stated it was incorrect and noticed the loan amount showed 4500 with repayment totaling 14,000. The manager asked for my license and stated my signature on the document was an exact signature off my license. I stated there is no way that was possible because I did not renew any loans or requested a title loan.
I was able to access the account online and found DocuSign was used which copy and pasted my signature from my license. The signature has been on my license since 2017. The address listed is for an address in Georgia and the number does not exist.
This company is using this process to alter paperwork and renew loans without consent. I have not received any paperwork regarding my vehicle and when I call the company I am told someone will contact me. My vehicle is already listed on an auction site awaiting the outcome, but I cannot get this matter resolved.
Also, the tow company has damaged the vehicle during the process and items (medication, credit cards, my son's wallet, and passport radar detector have been stolen).
I have already paid Title Maxx $3668 on a $2000 loan and now they want an additional $4200.00.
Business Response
Date: 04/24/2025
***************
Thank you for the opportunity to respond to the complaint
filed by ********** ******* (Complainant). TitleMax of South Carolina, 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 vehicle was repossessed despite them paying their
account in full. They also claim TitleMax altered their paperwork and renewed
their loan without their consent. In addition, they allege various personal
items were stolen from their vehicle. They are requesting the return of their
vehicle and reimbursement for the cost of using a rental car.
A review of
TitleMax records revealed that on January 31, 2024, the Complainant obtained a
loan in the amount of $2,315.00 at a storefront in Summerville, SC. The
Complainant granted security interest in a 2013 Dodge Charger with a VIN ending
in ******. The loan was contracted to be repaid in thirty-five (35) monthly
payments of $401.71 beginning March 8, 2024, with a final payment of $397.63,
due May 8, 2027.Payment history
indicates there were thirteen (13) payments made on the loan. When the payment
was not made on October 8, 2024, the account entered a past due status. Please
note that a Notice of Default & Right to Cure (RTC) was previously mailed
to the address on file on June 20, 2024. Due to continued non-payment, the
vehicle was recovered on April 1, 2025. As of the date of this response, the
Complainant’s loan currently has a past due balance of $4,235.78 but is subject
to change due to interest and/or fees that may be accruing.
Regarding their
personal items that were allegedly missing from their vehicle, the Complainant
should contact ********* **** ******** (***) directly regarding their claim.
*** may be reached at ###-###-####.
It is important
to note 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. Due to the Complainant being
represented by counsel, the information we provide may be limited. We encourage
the Complainant to seek further information through their attorney.
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 Complaints
** *** ***
********** ** *****Customer Answer
Date: 04/24/2025
Legal action is being taken against Title Max and their general manager due to this account was created as retaliation against me for their spouse unfaithful actions. Also, my vehicle has been reported as being driven by an employee at the lot and has damage. I do have legal representation to handle this matter and title max is aware of my attorney's requests.
Regards,
********** *******Business Response
Date: 05/01/2025
May 1,
2025
Better Business Bureau
1169 Dublin Road
Columbus, OH 43215
RE: BBB Complaint ID 23223568
BBB Dispute Resolution Team:
Thank you for the opportunity to respond to the rebuttal
referencing the complaint filed by **********
******* (Complainant). TitleMax of South Carolina, 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 legal action is being taken against
TitleMax and also claims their vehicle is being driven around by an employee of
the lot.
Regarding their claim of vehicle damage, the Complainant should contact
********* **** ******** (***) directly regarding their claim. *** may be
reached at ###-###-####.
As stated in our previous response, due to the Complainant being represented
by counsel, the information we provide may be limited. We encourage the
Complainant to seek further information through their attorney.
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 Complaints
** *** ***
********** ** *****Initial Complaint
Date:04/15/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I was in need of X amount of funds/currency and the idea of seeking auto equity loan was adopted and thus forth I began to inquire of said funding and process,
TitleMax became a source of acquiring the needed loan via Social and Digital content and availability was presented so I stated amount that was needed from loan and filled out paperwork online which was all supposed to be completed remotely and stress-free per stated online via the website and or it's affiliates.
Upon that being completed I was then paused in the process AND re-directed to the auto appraisal process of the loan, which was never mentioned prior to that point, so I do that apointment, and arrive to be turned away for slight misunderstanding and so my father being my Counter-Part on my vehicle and my placing him onto title, had to be present and sign various documentation.So after about 1 or 2 hours I get a notification that loan of 800 was approved clearly not the 2000 loan requested for a 5000 title as collaboration instrument not a handover but I shrugged it off as well see then all the sudden 30min later thedr over again.
Now mind you I've not only filled this info in prior to coming in but now she's manually filling in new application saying I got it don't worry I'm like why are you refilling the application and how are you compiling info to switch over to this new application.
Either way she re-did what was already approved and submitted also with the pics. She began to go show
Business Response
Date: 04/17/2025
*******************
Thank you for the opportunity to respond to the complaint
filed by ***** * **** (Complainant). TitleMax of Nevada, Inc., DBA TitleMax, a
member of Community Choice Financial® family of brands, appreciates
the role of the Better Business Bureau in resolving consumer concerns. We are
happy to provide this response.
To summarize, the Complainant claims they are a dependent of
a veteran and are prohibited from the type of loan they obtained due to the
Military Lending Act (MLA) and allege the Annual Percentage Rate (APR) is above
the allowed limit due to this. They request the loan be dissolved with the
return of their title.
A review of TitleMax records revealed that on April 10, 2025,
the Complainant obtained a loan in the amount of $850.00 at a storefront in Las
Vegas, NV. The Complainant and vehicle co-owner granted a security interest in
a 2000 Mercedes-Benz CLK Class with a VIN ending in ******. The loan is
contracted to be repaid in six (6) payments of $246.82 due monthly beginning
May 10, 2025, with a final payment of $246.78, due November 6, 2025. As of the
date of this response, the Complainant’s loan is current.
At the time of loan origination, the Complainant signed a
Title Loan Agreement, Promissory Note and Security Agreement that clearly
disclosed the annual percentage rate, finance charge, amount financed, total of
payments and the repayment schedule in accordance with the Federal
Truth-in-Lending Act and Regulation Z. By signing the loan agreement, the
Complainant acknowledged their understanding of the terms and conditions of the
loan. It is also important to note that a TitleMax employee explained the terms
and conditions to the Complainant. TitleMax ensures that all fees and interest
charged are in compliance with all applicable State and Federal laws and
regulations. It should also be noted that the co-owner of the vehicle is not a
co-borrower for the loan and only provided consent to use the vehicle as
collateral for the loan.
Please note that when the Complainant
originated the loan, they selected "no" to each of the Covered
Borrower Identification Statement questions on military service on the initial
application and subsequent application.Further, as an automatic part of the
loan application process, TitleMax ran the Complainant’s information through
the Military Lending Act ("MLA") database, which yielded a negative
result.For an individual and/or a dependent to be considered a covered
borrower under the MLA, the individual must be an active duty service member or
married to an active duty service member, or if a member of the reserves or
married to a member of the reserves, the individual must provide paperwork
stating he/she is under a current call or order to active duty for a period
longer than thirty (30) days.Neither the SCRA nor MLA provide protections
for veterans or their dependents. Nevertheless, upon receiving the complaint,
we conducted another thorough review of the Complainant’s military status in
the SCRA and MLA databases. The results were again negative, indicating that
the customer is neither active in the military nor a dependent of a currently
active military member.
We believe that the conditions of the loan were clearly
disclosed and cannot find any evidence of wrongdoing. Therefore, the
Complainant shall remain bound by the terms of the agreement signed on April
10, 2025. For any other questions regarding the loan, we encourage the
Complainant 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,
BSG – Consumer Complaints
** *** ***
********** ** *****Customer Answer
Date: 04/18/2025
I did not have anything to do with the subsequent application the titlemax employee did it all by herself which I thought was weird I also asked about all the current scrutiny and cfpb violations and the SAID business practices they are prohibited from because I don't want it if it's not a fair and legal shake and she said it was nothing but it is something and according to the FID they are court ordered and prohibited from obtaining titles and giving loans under false pretenses and via insane APR which is way past 39% APR and I didn't agree on anything or sign anything they gave me an amount after they had already had possession of my stuff but it's OK this will be ceased and desisted of as ordered by the Supreme and District court specifically for Titlemax and its affiliates I found AL this out directly after leaving the office and researching.
So if no compliance from them I'll just take it a step or two further but I will not be a victim to there tyranny and bullying knowing what they have been doing and continuing to do there was no truth I they're lending at all and I didn't agree on anything I was forced after the initial greet it was more or less we got you now I was stripped of my title before I knew anything or got anything as to appear desperate.
Regards,
***** * ****They only gave me that one peice of paper which is why that is all I uploaded I asked her for the files/documents etc... she said when they populate I would recieve them now mind you I did not have anything to do with the subsequent application, she stated some error was on. It the original I personally submitted. But she said she would fix it don't worry I'm like fix what. Then she did everything all over again and just kept saying it's OK just a little longer. Then told me link a debit card and see u later I didn't even know there was 7 pages I've have never seen these documents neither in store or sent via email. The paper I uploaded was the only thing I was issued upon finishing the process which as stated was rather abrupt, encroaching, invasive and not very transparent.
Business Response
Date: 04/30/2025
***************
Thank you for the opportunity to respond to the rebuttal
referencing the complaint filed by ***** * **** (Complainant). TitleMax of Nevada, 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 did not have
anything to do with the subsequent application and the TitleMax employee did it
on their own. They claim they did not agree to anything and were forced into
the loan. In addition, they state they never saw documents in store or through email.
To address the Complainant’s concern regarding a store
employee assisting with their application, it is important to note that the
Complainant signed the subsequent application confirming that the information
on the application was correct.
Regarding the Complainant’s claim that they did not agree to
anything, as stated in our previous response, at the time of loan origination,
the Complainant signed a Title Loan Agreement, Promissory Note and Security
Agreement that clearly disclosed the annual percentage rate, finance charge,
amount financed, total of payments and the repayment schedule in accordance
with the Federal Truth-in-Lending Act and Regulation Z. By signing the loan
agreement, the Complainant acknowledged their understanding of the terms and
conditions of the loan. It is also important to note that a TitleMax employee
explained the terms and conditions to the Complainant. TitleMax ensures that
all fees and interest charged are in compliance with all applicable State and
Federal laws and regulations.
Further, the signed agreement contained a clause regarding Right
to Rescind:
“As permitted by Chapter 604A, I may
rescind this Note, without cost, no later than the close of business on the
first business day after the Loan Date by returning the Amount Financed to
Lender at the store at which I obtained the Loan. Upon the timely cancellation
and return of the Amount Financed, Lender will credit my account for any
accrued interest and any Lien Filing Fee charged, cancel the Loan, and mark it
paid-in-full. If I do not cancel this Note in compliance with this Section 6,
the Loan and this Note remain in full force and effect.”
Our records do not reflect the Complainant attempting to make
any efforts to rescind their loan at any point.
To address the Complainant’s claim that they were unable to
view any documentation, it is important to note that the Complainant signed a “Consent
to Electronic Disclosure, Communications and Signatures” document that
consented to receive and sign all documents electronically and included
instructions regarding obtaining their physical documents. The Complainant may
view their documents on the Online Portal or may request a copy of their
documents at their local store front. However, we will also mail a copy of the
loan agreements to the address on file.
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 ###-###-#### 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,
BSG – Consumer Complaints
** *** ***
********** ** *****Business Response
Date: 05/16/2025
**************
Thank you for the opportunity to respond to the complaint
filed by ***** * ****
(Complainant). TitleMax of Nevada, 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 the full loan documents
have not been provided to them, and a copy is not available on the portal.
To address the Complainant’s original allegation that no loan
documents have been provided, on April 30, 2025, we mailed a copy of the loan
agreement to the address provided within their complaint. As a gesture of
goodwill, we have mailed a copy of the agreement a second time on May 15, 2025.
Please note that the Complainant may request a copy of the loan agreement at
the local storefront as well.
For any other questions regarding the loan, we encourage the
Complainant 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,
BSG – Consumer Complaints
** *** ***
********** ** *****Initial Complaint
Date:04/15/2025
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 borrowed no more then 3-400 dollars from the business for my title almost 10 years ago. not sure but i’ve paid almost 6 to 7 thousand back. some 1 call me a couple months back and said they or working on something to close the account since i’ve paid so much over what i borrowed. no on never contacted me .. i’ve called several times to. try to receive answers on why i haven’t received a call.Business Response
Date: 04/18/2025
****************
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 they were told someone
would contact them about closing their account due to the length and amount
paid over the course of almost ten (10) years. They have not received a call
and request a billing adjustment.
A review of TitleMax records revealed that on April 2, 2015,
the Complainant obtained a pawn in the amount of $518.00 at a storefront in
Atlanta, GA. The Complainant granted a security interest in a 1999 Buick Regal
with a VIN ending in ******. The pawn was contracted to be repaid in full in
the amount of $595.65, due May 2, 2015. The Complainant completed four (4)
extensions before making a payment of $100.00 on August 28, 2015, refinancing
their existing pawn of $800.00 and borrowing an additional $356.96. Multiple
extensions were completed during this pawn.
Between February 21, 2017, and November 15, 2024, the
Complainant refinanced their pawn on forty-four (44) more occasions and completed
fifty (50) extensions. The current refinance was completed on November 15,
2024, in which the Complainant made a payment of $44.38 and refinanced their
existing pawn of $343.56. The pawn was contracted to be repaid in full in the
amount of $386.51, on December 15, 2024. Payment history on the most recent
refinance indicates there have been five (5) payments made on the pawn as well
as five (5) extensions. As of the date of this response, the Complainant’s
account is current, and their payment is due May 14, 2025.
At the time of pawn origination and each refinance, 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.”
By signing each agreement, 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
loan proceeds or an equivalent amount of cash to us by the close of business on
the business day following the date of the agreement.
TitleMax believes that the conditions of the pawn were
clearly disclosed and finds no discrepancy or concern in how the transaction
was processed. However, as a gesture of goodwill, TitleMax is willing to
forgive the remaining outstanding balance of $381.60 and release the
Complainant’s vehicle title. A representative from the local storefront will
contact the Complainant to make arrangements for a settlement agreement to be
signed and the title returned.
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 Complaints
** *** ***
********** ** *****Customer Answer
Date: 05/14/2025
i filed a complaint with you guys about a month ago. we resolved the issue i thought. the companie called me in to sign papers for a title release. as weeks passed and iam waiting on my title. i receive a threatening call stating that if i dont make a payment today my vehicle will be repossessedBusiness Response
Date: 05/16/2025
May *******
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 states they resolved their account but received a threatening call stating if their payment was not made, then their vehicle would be repossessed. They also have not received their title back yet.
To address the Complainants statement regarding the collection phone call, records reveal the Complainant signed the settlement agreement on April 16, 2025, and an electronic lien release was submitted that same day. We apologize for the error in which the Complainant received a phone call despite already having settled the account.
Regarding their title, upon the lien release on April *******, the title was to be mailed to the local store front and upon arrival, the Complainant would be contacted to pick up their title. We have confirmed that on May 15, 2025, the Complainant retrieved their title from the store front.
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
*******************
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