Consumer complaint received 2021-09-25
Company: Select Management Resources, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
On Thursday, XX/XX/XXXX of XXXX, I saw my XXXX XXXX XXXX XXXX missing from my driveway. I contacted XXXX and the dispatcher notified me it was listed as being repossessed. Dispatcher instructed me to call XXXX XXXX XXXX XXXX, at XXXX. I explained I own vehicle outright, never had a loan on it so it isn't possible it was repossessed. I called number given, it was disconnected. Called back XXXX and they put in for XXXX XXXX Police to call me. Officer XXXX contacted me about an hour later. Provided him the information. He called me back 15 minutes later with correct number to XXXX who confirmed having my XXXX I called XXXX immediately after at XXXX. Had to select 2 to speak to operator. She confirmed they have my XXXX, that I needed to call XXXX XXXX XXXX since they ordered repossession. I called XXXX at XXXX and spoke to XXXX. I explained I owned the XXXX, never a loan on it. Plus I advised her I filed Bankruptcy XXXXXX/XX/XXXX of XXXX as advised by my attorney at XXXX XXXX XXXX. After 15 minutes on hold, XXXX stated they were looking into this " mistake '' and she will call me back. XXXX called me 40 minutes later at stated they contacted XXXX  and completed the paperwork to have my " unit '' returned to me. I contacted XXXX  and they confirmed they would return my XXXX back in a few hours. I contacted XXXX as advised by my attorney to see what reason was for taking my vehicle since there is nothing listed on my credit report regarding this. XXXX from XXXX referred me to their client, Select Management Resources Bank. I called Select at XXXX. Select referred me to their client, Northeastern Title Loans at XXXX. I spoke to XXXX at Northeastern. XXXX searched the account information by me XXXX Vin number ( which was same way other creditors above had to search it by since not under my name ). The Vin number is attached to account number XXXX in the amount of {$8800.00} for a loan opened in XXXX. I bought my XXXX  outright from a local dealership in XXXX by cashier check from bank. I have Title and proof of purchase with pink slip. No notices or any attempts to collect a debt regarding this vehicle were ever sent to me or reported to me and first brought to my attention after many phone calls to find my XXXX XXXX XXXX when it went missing on XX/XX/XXXX of XXXX. I fear this loan is going to be attempted to be put on me for owning it even though I never had a loan for it. I was a victim of identity theft which I reported to the FTC earlier this month in XXXX of XXXX since someone tried to open bank accounts under my previous married last name which I had changed since XXXX. Not sure if because my Bankruptcy is publicly filed or if scam to collect under my bankruptcy. My vehicle was returned by XXXX on XX/XX/XXXX but there is damage on front from being pulled from my driveway without the keys. XXXX  was nice but they falsely reported damages being listed on all sides of my vehicle when there is not ( as you can see in photo ). This loan is false and needs to be removed from my vehicle and myself since I never had one or received any notices of one prior to my vehiclebeing illegally repossessed.

Company response to consumer: Closed with non-monetary relief