Consumer complaint received 2020-02-17
Company: Motormax Financial Services Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I on about XX/XX/XXXX advised to send payment via the checking account in the amount of {$380.00} via EFT. I left a voicemail with these instructions and go send the payment on XX/XX/XXXX. I also advised the payment made earlier in the month with the same account info they changed the amount from {$380.00} to over {$400.00} is along with them.not processing an an EFT is why the payment did not go through. The payment I authorized for XX/XX/XXXX was for checking account but they sent it through via a debit card number on XX/XX/XXXX which was not authorized. I then spoke to XXXX around the XX/XX/XXXX and advised  to cancel the payment that was coming due XX/XX/XXXX because I would not be able to pay at that time. I spoke to XXXX in reference to skipping a payment and she said I had to send paperwork that I had a hardship. I advised I didn't have any paperwork just got behind. XXXX then advised I could not defer a payment. I tried to change the payment date and they said that could not be done because it would alter the terms of the contract. Now the vehicle has been repossessed as of XX/XX/XXXX. I spoke to XXXX on XX/XX/XXXX and she advised I had to prove I could still make payments by sending in all the same documents I did to obtain the loan. XXXX advised if approved and it is more than 10 days before next payment is due I could pay back months and fees to obtain the vehicle, well at that time it was 11 days until my next payment was due. I sent in the requested documents early in the day on the XX/XX/XXXX so I could get a response that day to my dismay, I got no response from.XXXX  until XX/XX/XXXX exactly 10 days until the next payment which would mean if approved the next payment due on XX/XX/XXXX would have to be paid before I could retrieve my vehicle. XXXX on the XX/XX/XXXX advised I didn't send.in both paystubs..I advised her I would look.for that stub but it was probably in the car that was repossessed. XXXX then told me.to get a letter from my employer stating I am.working there. I told her I would ask. I told XXXX if I could not get the letter or paystub I would just let it go. I asked for the payoff as well because XXXX told me that would be my only other option if all documents aren't submitted. I tried contacting XXXX XX/XX/XXXX several times by phone only to be put on hold for several minutes. After the several phone calls I opted to email XXXX to which I got no response. I know this car will sell for more then the {$5700.00} owed on the loan View full complaint Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Privacy Act Statement OMB # 3170-0011 Note on user experience Have a question? Preguntas? 
( XXXX ) XXXX An official website of the United States Government

Company response to consumer: Closed with explanation