Consumer complaint received 2019-09-28
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
To Whom It May Concern, I XXXX XXXX is submitting this complaint on my behalf against Title Max Corporation on this XXXX day of XXXX  XXXX. The original complaint filed with ( CFPB ) was on XX/XX/XXXX report XXXX ; and the reason for resubmission is to include evidence of an email to Title Max and License Bond information to help with the investigation.

As a consumer, I am requesting for Title Max to send and release my original XXXX XXXX XXXX Car Title Acct # XXXX back to me for the second time because the first request was to Title Max website via email at : XXXX on XX/XX/XXXX. I notice that my original Acct # XXXX located at Title Max XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX ; was changed to Acct # XXXX ; by Title Max XXXX XXXX XXXX XXXX, XXXX Texas.XXXX  ; without my knowledge. Now be mindful, that Title Max Corporation Headquarters and Title Max located in XXXX, Texas were both notified of my U.S.C. Chapter XXXX Bankruptcy by the XXXX, Texas Federal Courts. Please see ( PDF ) to Title Max Corporation and Title Max XXXX, Texas XXXX ; requesting my Car Title back after my Chapter XXXX Bankruptcy was discharged. 
Title Max is in violation of selling and trading consumer information through Third Party transaction and violating Federal Bankruptcy Order 11 U.S.C 727 ; which was granted to XXXX XXXX on XX/XX/XXXX ; Order of Discharge Case Number:XXXX. In XX/XX/XXXX, I was harassed by XXXX XXXX and other Third Party Debt collectors and was forced to file for Federal Chapter XXXX Bankruptcy as a XXXX consumer ; in XX/XX/XXXX due to aggressive collection acts and deception trade practices. Title Max has ignore the discharge order as of today ; they are violating Federal laws under section 524 of Title 11 of the United States Codes ; known as A Bankruptcy Discharged Violation. We both know that an injunction states that no one can take any action against a consumer regarding a discharged debt that has been exempt or granted under the United States Chapter XXXX Bankruptcy Order. 
The reason for this complaint is because Title Max is still trying to repossess my car by having Title Max employee following me ; however I have my car in my possession ; my car is exempt. Title Max and all creditors were notified by Untied States Government  Chapter XXXX Bankruptcy of my Chapter XXXX Discharged. 
However, according to ( CFPB ) Effective Date : This regulation is effective January 16, 2018 and the Compliance Date : Sections 1041.2 through 1041.10, 1041.12, and 1041.13 have a compliance date of August 19, 2019 ; The rule identifies it as an unfair and abusive practice ; and the proposal was published in the Federal Register on July 22, 2016. 
As a result I completed research as of XXXX and obtain information on three Title Max Company here in Texas ; where my account was transfer without my knowledge and making it difficult for me to obtain my Car Title back. Please see information on Title Max located at XXXX XXXX XXXX XXXX XXXX  . XXXX, XXXX, Texas XXXX ; Title Max XXXX XXXX XXXX XXXX, XXXX Texas.XXXX, Title Max XXXX XXXX XXXX , XXXX , Texas XXXX, and Title Max Corporation XXXX XXXX XXXX XXXX . XXXX XXXX, GA.XXXX. The three companies listed below do not have a License or a Bond in the State of Texas as of XXXX. 
XX/XX/XXXX : Title Max located at XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, Texas XXXX is where my account originated Acct # XXXX ; however I was given another account number XXXX. This Title Max Bond is Cancelled, and this would be the reason why Title Max has not responded back to my request regarding my car title ; Listed below Bond Cancelled XX/XX/XXXX ; retrieved reference information from Texas Secretary of State on XXXX from website : XXXX XXXX XXXX. 
Location : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX # XXXX Status : Bond Cancelled Security : Bond Account Bond : XXXX Surety Company : XXXX XXXX XXXX Cancelled Date : XX/XX/XXXX Closed Date : On XXXX : Title Max located at XXXX XXXX XXXX XXXX, XXXX, Texas. XXXX ; issue an agreement number XXXX ; although this Title Max Bond was cancelled in XXXX : Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX # XXXX Status : Bond Cancelled Security : Bond Account Bond : XXXX Surety Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cancelled Date : XX/XX/XXXX Closed Date : It was then transfer to Title Max at XXXX XXXX XXXX XXXX, XXXX Texas.XXXX with a new Acct # XXXX ; without my knowledge until I filed Chapter XXXX Bankruptcy. There is only one original account number XXXX ; and Title Max has made it difficult for me track and receive my Car Title back due to the inactive Bond Status. 
Location : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX # XXXX Status : Initial Registration Security : Bond Account Bond : XXXX Surety Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cancelled Date : Closed Date : I am requesting for Title Max to send and release my original XXXX XXXX XXXX Car Title A.S.A.P ; because I have already notified Title Max and they refuse to respond back ; which I gave title Max 30 days to return my Car Title. Please see PDF. 

Now, be mindful, Title Max were notified by U.S.C. Texas Federal Bankruptcy Courts. Title Max has continue to violate Federal Trade Practices ; by transferring and changing my original account number without my knowledge and trading my account information ; so it would be difficult for me to obtain and track my car title. 

I want the company 's to be investigated of foul trading practices on the following companies ; Title Max located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, Title Max XXXX XXXX XXXX XXXX, XXXX Texas.XXXX, Title Max XXXX XXXX XXXX XXXX XXXX , Texas XXXX, and Title Max Corporation XXXX XXXX XXXX XXXX . XXXX XXXX, GA.XXXX ; and to release my Car Title A.S.A.P. 

I have already filed my complaint with the Federal Trade Commission ( FTC ) and a complaint with Consumer Financial Protection Bureau ( CFPB ). However, I am refilling my complaint because I am submitting additional information on Title Max. I am requesting help in the tracking, locating and the release of my Car Title back to me. Please see PDF attachment, and listed below is the email sent to Title Max on XX/XX/XXXX. 

Release XXXX XXXX XXXX XXXX XXXX XXXX Car Title Acct # XXXX XX/XX/XXXX at XXXX XXXX PrintRaw message XXXX XXXX <XXXX> To : XXXX, XXXX Cc : XXXX 1 File43.1kB PDF43kB XXXX XXXX Letter to Title Max XX/XX/XXXX.pdf Download XXXX XXXX XXXX vs Title Max Corporation Headquarters ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX XXXX, XXXX, XXXX Title Max XXXX XXXX XXXX XXXX XXXX, Texas . XXXX Dear Title Max Corporation Headquarters, Subject : Release XXXX XXXX XXXX Car Title Acct # XXXX On XX/XX/XXXX the Defendant XXXX XXXX XXXX Chapter XXXX Bankruptcy was discharged and closed. All creditors were notified and had the opportunity to respond or object XX/XX/XXXX. 
Title Max Corporation did not respond or object within the time allotted. 

The Defendant XXXX XXXX XXXX listed Title Max as a creditor/debt under Chapter XXXX Bankruptcy and demand that Title Max ; release XXXX XXXX original XXXX XXXX car title and returned car Title to the Defendant, XXXX XXXX ; A.S.A.P. 

Under Chapter XXXX Bankruptcy 11 U.S.C 727, Texas exemptions laws ; the defendant listed her XXXX XXXX XXXX as property exemption that qualifies ; under Chapter XXXX Bankruptcy discharged laws in the state of Texas on XXXX. 

Defendant XXXX XXXX XXXX, property has been granted and protected by the entire value exemptions ; for one motor vehicle per licensed household under Texas Motor Vehicle Exemption Tex. Prop. Code : Title 5 42.001 and 42.002 on XX/XX/XXXX. 

Defendant is released from all debt and obligations from Title Max,  XXXX XXXX discharge constitutes a permanent creditors such as Title Max ; from taking any action, including the filing of a lawsuit, designed to collect a discharged debt or repossession. The defendant will request the court sanctioned against Title Max if they violate Federal Court Orders and courts discharge injunction. We both know that the normal sanction for violating the discharge  injunction is civil contempt, which is often punishable by a fine and reparation. 

Defendant XXXX XXXX is requesting based on legality demands under Chapter XXXX Bankruptcy 11 U.S.C 727 as original owner ; that XXXX XXXX car title be released and returned as soon as possible. Title Max Corporation ; has 30 business days to return defendant XXXX XXXX XXXX car title ; under Texas Motor Vehicle Exemption Tex. Prop. Code : Title 5 42.001 and 42.002 based on Chapter XXXX Bankruptcy Laws on XX/XX/XXXX. 

Please send Defendant-XXXX XXXX : Original XXXX XXXX XXXX Car Title via Certified Mail to XXXX XXXX XXXX XXXX, XXXX, Texas. XXXX : Sincerely, XXXX XXXX XXXX CC : United States Federal Bankruptcy Courts XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Texas. XXXX XXXX, Texas. XXXX

Company response to consumer: Closed with explanation