Consumer complaint received 2022-11-19
Company: TMX Finance LLC
State: IL
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:
I paid off loan early on XX/XX/2022 amount {$1400.00} even though I had already paid the monthly amount of XXXX on XX/XX/2022 They still added the XXXX to the loan on XX/XX/2022 when the loan was simply a {$1000.00} loan. XXXX took the payment over the phone as I was at my bank in XXXX, IL, approval number XXXX from debit card. XXXX the store manager got on the phone and stated he was going to mail my title that exact same day since I had been a long time customer with Title max. After never receiving my title I called XXXX and she was rude and confrontational, I told her that XXXX and herself were supposed to mail my title on XX/XX/2022 and I never received it, she said that she would put it in the mail certified, again I was at my bank in XXXX and had her on speaker phone, I read off my address for confirmation and she said yes and it would be mailed out certified. After not receiving my title again I called and spoke to XXXX, she said it was mailed asked for tracking number on XX/XX/2022 the address they sent it to was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL, I never lived in XXXX and neither was my title ever assigned to that address, My bank 's fraud department even called and spoke to XXXX to speak with XXXX and he lied after still no title I went to the Police department and filed charges because they sent an envelope which I had the police to open later and it was empty, officer XXXX contacted them and asked why this XXXX who was supposed to be corporate resolution manager had not contacted me on XX/XX/2022 case # XXXX she explained the offices were closed and He told her to have the district XXXX to call me asap a XXXX XXXX contacted me the next day I asked her where was my title she lied and said she saw it being put in the envelope and I told her the Post office manager suggested that the police department open it and nothing was in it, then she asked did I check with the post office, that is a rhetorical question because I told her the post master manager told me to take it to the police department because there was nothing in that envelope. Officer XXXX contacted XXXX XXXX on XX/XX/2022 and asked her where is my title and why have I been given the run around, She stated she would mail a check for {$150.00} to replace the title. She mailed the check, But the Secretary of State stated that Title max still had a lien on my title and must give me a letter of the title release in order to get a Duplicate copy, they also stated that in XXXX of XXXX Title max in Wisconsin changed the address on the Title the day I took out the loan to a XXXX address. I am a senior and drove to Wisconsin to take out this loan to help my daughter who was being evicted, regardless of the reason this company has caused unmerited stress, upon me, lied to the Bank Fraud Department, lied to a police officer as well as me the consumer who stuck to my end of the deal the Title was paid off XXXX, they finally sent a check for {$150.00} on XX/XX/2022, but intentionally did not supply a title release form with the check for me to receive my title which according to the Illinois secretary of state could take up to 6-8 weeks I am flabbergasted and tired of burning my gas providing everything to validate my claim and still be held up by this unethical unprofessional facility. I want my title and I want them to abide by the law which applies in every state regarding a Title Loan. Police complaint number XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX other witnesses will be supplied upon your request.

Company response to consumer: Closed with explanation