Consumer complaint received 2023-11-11
Company: Select Management Resources, LLC
State: MN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
XXXX i was contacted by loanmax in XXXX XXXX  and asked to convey a message on their behalf to someone who i know that put me down as a reference and an authorized payee. i contacted XXXX XXXX who the loan belonged to. 

on XXXX loanmax called me asking to either contact XXXX XXXX on their behalf and tell him he needs to call them. loanmax also asked me to make a payment on his behalf which i told them that the only way i would is if they turned over possession of the vehicle with a free and clear title in my name with no additional surcharges, fees, or tow bills. i gave them 13 days to respond in which they didnt. 

XXXX i called loanmax and asked them to produce XXXX XXXX truck, or a cashiers check in which they refused, the branch manger informed me that the manger from the XXXX was no longer with them. 
then i attempted to make a partial payment on my fiances loan as well which they denied payment for by phone in which the branch manager proceeded to threaten to call me every day to harass me for payment in which they denied. then the manager hung up on me. 

i called the following agencies for assistance. 

1 ) XXXX XXXX XXXX XXXX. 
was given this website and told to fill out the complaint forum against loanmax agency. 
was also told to file a complaint through their website as well. 

2 ) XXXX XXXX XXXX XXXXwas refered to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
was refered/ transfered to... 

4 ) XXXX XXXX XXXX XXXX XXXX XXXX 
i explained to them what happened and they told me to fill out their complaint forum because what loanmax did was unlawful to ask payment of me for XXXX XXXX  vehicle, and that it is also illegal for them to deny payment even if its only for a dollar XXXX  vehicle that im cosigner on. and that the threats of daily calls and harassment are illegal by XXXX  law. 

XXXX loanmax sent a text message with threats of escalating XXXX  account if we did not contact them i called loanmax again at XXXX. and asked for the branch manager who hung up on me before. i informed her of this information in which her responses were they could remove me from XXXX  conacts as they refuse my terms and conditions of payment, which was notated in the account from XXXX, but never denied until today. 

she was also informed that it is illegal for her to deny any payment i tried to make as cosigner on XXXX  account in which she claims we can not take them to court according to the contract they had us sign with them and denied that the text message was not retaliatory and that it was a part of their normal process. i asked her if they sent the same messages and phone calls to XXXX XXXX  account, the manager declined to respond or comment on that question. and stated if i knew what i was talking about legally that i would obey their policies, even after being informed of their unlawful activities and documents, then again hung up the phone on me. 

i submitted my complaint with the XXXX XXXX XXXX XXXX XXXX, im sending this compaint to you the consumer financial protection bureau, and i will have submitted my complaint with the XXXX XXXX XXXX XXXX XXXX by tomorrow morning at the latest. 

i also am in possession of some documents as well as recordings with this agancy and its branch manager from both phone calls along with the text message attempting to escalate the account. 

tried contacting both the XXXX  and XXXX attorney generals neither of which have currently responded yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief