Consumer complaint received 2022-03-30
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This is the 2nd time I have to do this. TITLEMAX DID NOT show me anything. I did NOT agree to online disclosures, I NEVER SAW ANYTHING. I ASKED FOR THE INTEREST BREAK DOWN, I ASKED FOR WHAT I WAS SIGNING AND I WAS TOLD BY THE GIRL WHO DID THE APPLICATION, IT WAS JUST an application. I did NOT sign a contract. I asked for the paperwork, I WAS TOLD 3 DAYS AFTER I could open an online account then see it there. I did NOT agree to see anything signed AFTER I signed it. Who does that! I asked them SEVERAL times what the TOTAL interest was and I was told a TOTAL of {$940.00} and I asked them several times what I was signing they said just an application. The screen was facing the girl doing it and I NEVER SAW ANYTHING THOUGH I ASKED. TITLEMAX IS NOW LYING AS THEIR USUAL to get out of doing predatory lending, luring, multiple violations of the finance code THEY HAVE ALREADY BEEN SUED OVER AND FINED OVER {$9.00} MILLION DOLLARS FOR!! They NEVER gave me anything to read or see WHEN I ASKED THEM. I only signed an application the girl told me was what she filled out FOR ME. I never saw a thing though I asked. The MOMENT I asked what the TOTAL interest was BY LAW, THEY ARE TO SHOW ME the break down AND THE CONTRACT they say I signed that I did not. I never saw a thing. I asked for it SEVERAL TIMES and was told CREATE AN ONLINE ACCOUNT AND SEE IT THERE. THAT IS A VIOLATION OF LAWS!! They lie and say I signed electronic disclosures, I NEVER DID THAT. I NEVER SAW ANYTHING. I NEVER SIGNED A CONTRACT AND I NEVER AGREED to monthly payments, I NEVER agreed to more than {$940.00} TOTAL interest. I tried to pay back what was owed which was ONLY {$7800.00} and I was told it was not that amount but more in interest!! I DID NOT sign any contract with a third party, I was NOT TOLD there was a third party, I was NOT SHOWN anything. Not one thing. I WAS LURED by deception and lies they VERY WELL KNEW they were telling me when I aske multple times what the TOTAL interest was. Not at any point was anything told to me, not at any point was any form of explaination given. I was told to look online after creating an acocunt which was not done for several days because I could not create one! I called and they said to try again, then when I did get online there were NO DOCUMENTS. After another several days I finally saw what they said I signed I DID NOT SIGN NOR DID I AGREE TO. And then I IMMEDIATLEY called them because I was going to pay off the {$7800.00} that was what I was told I owed and it was an extra {$1300.00} of interest on it! TITLEMAX LIED to the OCCC and to CFPB that I agreed to electronic consents. I never did, I NEVER SAW ANYTHING I SIGNED. I WAS TOLD IT WAS JUST AN APPLICATION. I never got multple loans as they lie I did. I was told by the store employees I was ALREADY APPROVED for {$12000.00} and if I took more it was already approved AND IT WAS ONLY ANOTHER {$12.00} ON THE TOTAL INTEREST I ASKED ABOUT. THEY LURED ME BYU LYING TO ME WHEN I WAS TO PAY OFF THE {$4000.00} I TOOK. THEY SAID YOU ARE ALREADY APPROVED FOR {$12000.00} so you can take more and its ONLY another {$12.00}. NOT ONE TIME did I re-apply nor was I told to, NOT ONE TIME was I shown the real interest and NOT ONE TIME was I given anything about what was signed. I ASKED them why I was giving the girl my info over again when I was already approved. I WAS TOLD ITS JUST AN APPLICATION. THEY KNEW WELL WHAT I MEANT. They did not tell me I was signing a contract, or I would NOT HAVE without reading it first and THEY DID NOT show me any interest when I asked SEVERAL TIMES, They did NOT tell me I accepted electronic documents when I ASKED THEM FOR THE COPIES. They copie and pasted my signature on documents I did NOT SIGN NOR AGREE TO NOR SEE WHEN I ASKED. They are lying as they have the track record of doing. They have and are being sued by multiple others on this EXACT THING. IT IS A VIOLATION OF FINANCE CODES - CFPB fined TITLEMAX {$9.00} MILLION dollars in TN, ALABAMA, GA for abusive practices in XXXX  FOR THE EXACT SAME THING they are doing in Texas! THEY ARE in violation and I DID NOT agree to electronic sigantures nor did I SIGN A CONTRACT. I signed an application I NEVER SAW THAT EITHER. NOTHING was given to me when I asked and by LAW THEY HAVE to show me the TRUE interest and fees when asked and they did not. BY LAW, they MUST show the consumer the contract BEFORE they sign anything and BY LAW they must give the non disclosure or electronic or whatever to the person WHEN THEY ASK FOR IT. TITLEMAX has commited multiple violations and are doing so daily. If they were not violating the law then why were they fined $ XXXX FOR THE SAME THING in XXXX, why are there multiple lawsuites against them THEY LOST AND ARE LOSING if they are not lying and abusing people with their deceptive practices, luring, flat out deception. Now they LIE which is fraud and de-famation. They have a track record of this same stuff and not ONE thing have they changed in my case! I NEVER SAW ANYTHING, I ASKED FOR IT, I NEVER SIGNED A CONTRACT, I NEVER AGREED NOR WAS I WILLING TO AGREE TO signing a contract I NEVER SAW, NOR IS MY SIGNTURE ON A CONTRACT THAT THEY DID NOT COPY AND PAST IT ON. THAT IS FORGERY. I did NOT get an interest break down WHEN I ASKED MULTPLE TIMES. I tried pay what is truly owed and was denied and was told I would be renewing the loan WHEN I AM NOT NOR DID I RENEW ANYTHING! TITLE MAX IS VIOLATING MULTIPLE LAWS AND CODES and I expect it addressed here in my case and in TEXAS JUST like it was in TN, AL, GA in XXXX. IT IS THE EXACT SAME THING. TITLE MAX COPIED AND PASTED my signature on any other documents other than an application. I never saw anything when I ASKED FOR IT, I was NOT told I was agreeing to electronic anything. I had ASKED FOR THE PAPER WORK and I was told by the store employess its all online you have to create an account. I was NOT given the true interest rate BEFORE I took anything as I ASKED FOR. I was lied to and lured.

Company response to consumer: Closed with non-monetary relief