Consumer complaint received 2023-09-20
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
XX/XX/XXXX TitleMax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX XXXX XXXX  ; Complaint # XXXX Consumer Financial Protection Bureau ; Complaint XXXX Georgia Attorney General Consumer Protection Division Greetings, This complaint is a follow-up to several complaints that I have filed against Titlemax in XXXX XXXX XXXX and XXXX XXXX XXXX As stated in my original complaint, I have been paying almost {$500.00} each month to Titlemax since XXXX XXXX XXXX  for a {$4000.00} loan, which has resulted in a minimum of {$24000.00} in interest payments over the duration of the loan. I have more than satisfied the amount of the loan, and I am unable to pay them further. To date, Titlemax has not responded to the XXXX XXXX XXXX Consumer Financial Protection Bureau, and The Georgia Attorney General Consumer Protection Division. I have been in contact with XXXX from the XXXX office, and I have been unable to secure written communication or receive a response from Corporate Management at Titlemax. 

As of today, I have made my last attempt to secure my title, as originally requested in the first round of written complaints. I have made multiple attempts to secure a written debt validation stating that I owe Titlemax the amount of {$470.00} that the General Store Manager, XXXX, has demanded, and requests to have the District Manager for the area, identified as XXXX, to call me have been ignored. I refuse to deal with XXXX as he is deceptive and unnecessarily hostile, and I am unwilling to suffer through further emotional abuse, erroneous and misleading claims, and asking for payment in excess of what is due. Not only is my title being held ransom, I believe that I have been discriminated against and denied my right as a consumer to written communication and information, I have been denied my right to be heard by a representative at the corporate level, and I have been denied the right to conduct business in a healthy environment. 

Communication with the XXXX Titlemax Office are as follows : Monday, XXXX XXXX XXXX XXXX I visited the local office and spoke with XXXX in regards to my account. He informed me that I would have to pay {$470.00} to get my title back. ( I have a recording of this interaction available for review. ) Saturday, XXXX XXXX XXXX  : I received the following text message : TitleMax XXXX : Important Account Notice. Its crucial that you contact us today. 
Saturday, XXXX XXXX XXXX  : I returned a missed phone call from your XXXX Office about my account. 
Tuesday, XXXX XXXX XXXX  : I spoke with XXXX again and informed him that I had not received the settlement amount in writing nor had I heard from a representative at the corporate level. Please note that this is the point when XXXX became increasingly passive aggressive and hostile in his interaction with me. 
Monday, XXXX XXXX XXXX  : I contacted the local office and informed XXXX again that I did not receive the information that he relayed on XX/XX/XXXX in writing, nor had anyone from corporate level at Titlemax contacted me. I requested to speak with XXXX supervisor, and he advised me that he would have him give me a call. ( I have a recording of this interaction available for review. ) Wednesday, XX/XX/XXXX : I visited the local office to notify XXXX that I had not yet received a phone call from his supervisor, and I still had not received the information from XX/XX/XXXX in writing. At this point, XXXX was extremely defensive, dismissive, and disrespectful to me. ( I have a recording of this interaction available for review. ) Based on the excessive amount of money that I have paid in interest and late fees over the year, I am going to have to submit this information for review with a financial professional and compare my records with the results of the review to the Georgia State law. I am also releasing the recordings to the general public from my main XXXXXXXX XXXX page so that current and future customers will have a true picture of what to expect with a company like TitleMax. I am offended and outraged by the treatment that I have received and the lack of professionalism in ignoring my complaints as well as usury laws in the state of Georgia as well as borderline illegal collection practices in constantly sending XXXX back to act as a bully on behalf of the company. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation