Consumer complaint received 2023-03-10
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX I go to TitleMax in XXXX Georgia to pawn my car title my title was in my maiden name so I had to go back home and get my marriage certificate as I was leaving the office the employee that was working with me said if you make it back by XXXX I'll get you {$5000.00} he said just make it back before XXXX so I can get some good pictures of the car and I will get you {$5000.00} maybe more I made it back before XXXX he done the paperwork and then as he was telling me where to sign he said you were only approved for a XXXX he could tell that I was not happy with that and he said you won't get a higher offer anywhere else so so far he had lied to me twice the first time when he said that he could get me XXXX when he really had no idea how much I would be approved for so if he doesn't know how much someone is going to be approved for he should not be telling them how much he can get them that was a lie then whenever I came home and check around I found four other places that were willing to give me more money at a lower interest rate so I took the XXXX and I was upset so I did not even cash it that evening I just went home XXXX the XXXX I go to cash it and they tell me that it had been sent back to sender after XXXX I called the office and told him what happened he told me just to come in when I can XXXX the XXXX I went back to the office to just get my title back at this point I had not even received any money from them they took it back and the week after XXXX my mother passed away so now I could no longer afford the payments I was having to pay the funeral bill and I was working less I didn't see that it would be a big problem with me just getting my title back because I had not even gotten any money from them but whenever I ask the employee if I could just cancel my application and get my title back because my mother passed away I can't afford the payments any longer and he said no he wishes that he could help me but it had been over XXXX hours and I said XXXX hours from what and he said XXXX hours from when you open the loan you only have XXXX hours to change your mind but then whenever I go over their policy I see that you have XXXX hours after cashing their check you can either bring it the check back to their office or all the money back to their office and get your title back within XXXX hours but I had not even received any money from them yet and was wanting to cancel my application and was told no I really don't understand how TitleMax can take their money back after it had been XXXX hours but yet we're not allowed to go get our titles back after they take their money back something is just messed up about that so then I reported them to the XXXX XXXX XXXX and when TitleMax responded to my complaint they didn't even acknowledge the real issues that I was having which was the employee lying to me and them going against their own policy the the only thing that they addressed in their response was the fact that I was having issues with their app so the XXXX XXXX XXXX gave me 30 minutes to respond with a reason if I disagreed with their response so I did and I told him why I disagreed that TitleMax did not address my issues the XXXX XXXX XXXX  then told me they were sorry that I was still dissatisfied but they were going to post that the business had addressed my issues and I was still dissatisfied I emailed them back and told them that if they posted that it would be a lie that the business did not address my issues and yes I still was dissatisfied because the business did not address my issues thank you for your help

Company response to consumer: Closed with explanation