Consumer complaint received 2019-02-12
Company: TMX Finance LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
Please note the company I originally engaged in was XXXX  XXXX XXXX XXXX. Since then every branch local to me has been shut down and this is part of my problem. 

On the date of XX/XX/XXXX I engaged this title loan vendor desperate to save my house. I was approved via online submission. I took out a loan for {$4500.00}. They engaged a CSO that has been highly discredited and provided me the loan. 

The loan date was to end in XX/XX/XXXX. 

The company engaged in fradulent representations of how they conduct business. The company said they only do 14 day payday based agreements and knew that I was paid on the XXXX and the XXXX of every month. i was told this would not be a problem and they would just add the additional payments at the end of the agreement. 

The first payment came due, and they repossessed my car after the first full payment was due without the 5 day payment grace period at the end of XXXX. They engaged in harassement after that, and when I contacted them they collected an arbitrary penalty not listed in the agreement of {$1500.00}. 

I got my car back, something I don't think they expected and filed complaints about thir misrepresentation through this website at the time stating my claim that they had misrepresented the loan and promised the payment schedule even with the contract saying one thing was something they did all the time and it wasn't a problem. 

After my written complaint to them surround contacting my family members and work in a harassing fashion, I gave them the details of when they could contact and how. This included if I was behind on payments or not in agreement of terms. 

I contacted them today XX/XX/XXXX regarding the status of payments on my loan to find out that one of the branches had submitted a refinance in my name without my authorization and instead of this agreement ending shortly after the agreement date of XX/XX/XXXX, it turns out it doesn't end until XX/XX/XXXX. They stated someone had submitted a refinance in my name for {$4000.00}. This was not me, I agreed to nothing, signed on nothing and never even walked into the branch. I made my payments by drop off in cash. They claimed I was paying less than required but, keep in mind they repossessed my car and when they did that the contract was lost. I later found it at the bottom of a garbage bag in the trunk from the company that repossessed it. It was in my glove box so it was moved. I had no reason to believe I was in violation of agreed upon terms because they never issued written letters or contact me via phone except when payments were due on the XXXX or XXXX. So I paid based on what I though the payment was, and only changed the payment to a smaller amount when I was told it was less. 

So, someone in their company submitted this refinance request and did so to clearly cover up an agreement they made and noted in their system that was outside of the boundaries of the way the company operated. This is nothing short of identity theft, and in addition to that a violation of Ohio credit controls. 

The issue is they know they control my title. This was the reason the person submitted the request was due to the fact that after i made my payment XX/XX/XXXX, which they registered as XXXX because I dropped it off and have corroboration as my son was with me and we never ONCE walked in. I've only entered a branch there 4 times in my relationship with them. 

I have offered to fix the issue by offering two additional payments to the loan agreement I signed off on to make up for the lower payment amounts being about {$50.00} less. This is based on what I was told to pay by their company representatives. 

This company had employees circumventing the system, lying to the people it was lending to, and now is using its power over my title to tell me I'm lying because the loan refinance was submitted on a day I paid in cash. but, that's the things, I dropped all my payments off at night after they closed because I work during the day so I would put it in their mail slot. I only paid in person twice and XX/XX/XXXX was not one of them nor did I agree to this refinancing thing they pulled. 

Please contact the company. I am ready to engage an attorney but, have other problems that have spiraled as a result of this loan. I want to pay the agreed original amount and exit the agreement and to keep my car. We are down to the final payments and they are just telling me almost a year later that my loan was extended in XXXX and that the terms of the agreement were not usual. I am protecting my car, I can not live without it, and with such a small amount left this has to be corrected immediately. 

Now that I have located the agreement I am attaching the details of the CSO company that is clearly not a anything more than a fraud. They have to be not for profit, and they have to qualify under state law as providing counseling services and recovery which they have not done in any way. in fact a XXXX  lookup shows it is an LLC, with complaints against them unresolved, and are likely a front company for a profit based organization.

Company response to consumer: Closed with explanation