Consumer complaint received 2023-08-21
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
This is the second complaint that I'm filing, as I feel title max has again pulled a fast one. I'll start by providing the first complaint number which is XXXX. I believe that was submitted in XXXX XXXX. 
I was hoping that by doing so I would've received my title back since by this point I had paid the loan amount back multiple times over.. 
To my dismay, title max wasn't going to let my title go that easy.. 
After submitting the previous complaint, I patiently waited for a response from title max and a proposal of what could/would need to be done in order to obtain my title. 
They verbally informed me what the agreement would consist of but to this day they have yet to give me a physical copy of anything. I vaguely remember the terms of the agreement, as I can not recall exact dollar amounts or dates. I requested a copy of the new agreement multiple times as well as some sort of receipt showing all of my previous payments made. When I went into my local office to make the first payment I again asked for a copy of these documents. I was told they would get them to me as soon as possible. I was sure to leave my wife 's phone number with them as my primary contact number as my phone was getting shut off so I could be contacted as soon as these documents were to be available. 
I couldn't even tell you the exact date and payment amount that I made because I was never given a substantial receipt, as the amount on the " receipt '' they provided at the time does not have this information. 
I was under the impression I had up to but no longer than 6 months to pay the new dollar amount in either one lump sum payment or in three payments. I decided three payments would be the best option. Now I had hoped to have all three payments made in a short period of time, in order to get my title back and just be done with all of this.. ideally 30-60 days but if I was unable to do so I was under the impression it was not required to have all three payments made in this time span, again I was thinking I had 6 months. 
37 days after making my first payment my truck was repossessed without any type of warning. Never was I contacted by TitleMax, never did they give me the documents I requested multiple times over. Now after contacting them today to try and figure out and understand what the heck just happened I am informed I will have to pay {$790.00} to get my truck back and an additional {$2000.00} something dollars to get my title. They said our previous agreement made after filing the previous complaint is now void because I didn't hold up my end of the bargain. Well since I was never given a physical copy of this agreement/contract and was never notified by phone, mail, email or any other way I didn't realize I was breaking any agreements. I asked them why I was never contacted and their answer to that was they were unable to contact me because I was in legal. After asking what exactly that meant multiple times I still couldn't tell you because they refused to give me this information. Instead they gave me a phone number to call. This phone number was for a different part of their company or something who in turn just transferred me back to my local office. For whatever reason I can't seem to get answers to any of my questions, no one can ever provide me with the documents I request. I'm frustrated beyond belief and asking again for your help. Thank you kindly, XXXX XXXX

Company response to consumer: Closed with explanation