Consumer complaint received 2018-04-20
Company: Select Management Resources, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I am a XXXX XXXX XXXX XXXX who fell on hard times. In XX/XX/XXXX I took out a title loan from XXXX on my XX/XX/XXXX XXXX XXXX XXXX to help with bills after my wife had to stop working due medical issues. I defaulted on the loan and my car was repossessed in XX/XX/XXXX. 

I'm not disputing the fact that they have the right to take and sell my car. 

My car was sold at auction on XX/XX/XXXX. I didn't receive a letter until XX/XX/XXXX saying when and where my car would be auctioned. I also have never received information on where my personal belongings from my car where. 

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX dba XXXX. The letter was dated XX/XX/XXXX. In the letter it said my car had been sold for just under {$10000.00} ( XXXX placed the low end of private sale of my car at {$13000.00} but I know they often sell well under value ). After the loan amount due, plus towing/storage and auction fees I was owed a refund of {$6700.00}. 

There was a number I was to call to " claim '' this money. I called on XX/XX/XXXX and was told the check could take up to 90 days to reach me. The number was for Select Management Recourses that shares a suite with XXXX at their headquarters in GA. 

I called at the 45 day mark to get an update and was told they had yet to receive the funds to cut me a check. I asked who had the funds and they refused to tell me. I asked to speak to a supervisor and was told that he was out of the office at the moment and would call me back. I never received a call back. 

I called on XX/XX/XXXX ( 83 days since the claim ) to make sure they had my new address. Was told I would have the check by the end of the month. 

Called on XX/XX/XXXX ( 90 day mark ) to get a tracking number for the check. I had been told previously it would be sent USPS with delivery confirmation and signature required. Was told the check had not been sent yet but should be received early the following week. 

Called back XX/XX/XXXX ( 99 day mark ) Asked for tracking number again, was told the check still had not bee cut, but that the appropriate department would be notified and it would go out the following day. 

Called back XX/XX/XXXX ( 103 day mark ) Told the same story as XX/XX/XXXX. When I informed I had been told that story the previous time she said she would look into it. She called back and said her supervisor would make sure the appropriate department cut the check. It would take a few days for the check to reach her department then a few more days for it to be verified and then finally mailed to me. 

I was also asked to stop calling so much. 

It has now been 114 days and I still have not received a check. 

Because of this I have been unable to register for a 6 month program I need to attend to help with my XXXX. I had to get a car with a high interest rate because I had no down payment. I have missed Doctors appointments because my wife needed the car for work ( her car died at the 40 day mark and we are forced to wait for this money to get a second car ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation