Consumer complaint received 2017-10-22
Company: TMX Finance LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I obtained a Title Loan from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AL XXXX, on or about XXXX XXXX. Due to the age of the Loan, I do not remember the exact date. I will describe what happened : I obtained the Title Loan on a XXXX XXXX XXXX XXXX in or around XXXX XXXX. I paid the Loan off and was given my spare key back, payoff receipt and DID NOT receive the original Title back due to the fact that the Customer Service Agent told me they did not keep them onsite and that the original Title would be mailed to me and that the Lien would be release electronically from my Title with the Alabama DMV. I never obtained another Title Loan again, nor did I ever receive the Original Title. As time passed, I unfortunately did not follow up on obtaining the Title. In XXXX, I sent a Request for a Duplicate Title to the Alabama DMV and they returned my application stating that XXXX XXXX XXXX had a lien on the vehicle. I called the local branch that I obtained the Title Loan from and they stated that they changed computer systems, but that the records indicated I never paid the final payment. Outraged that I had not kept all documents pertaining to the loan since it was so old, and that I could not provide them with proof, I called the Corporate Office, XXXX XXXX in XXXX, GA. I requested all documents pertaining to my loan, all payments and debits and any other legal documents. I also explained that I lived and worked at the same place and that if I had missed a payment or not paid it off, they would have made attempts to repo my vehicle. I recently moved and never received the documents I requested. I am currently an XXXX XXXX XXXX for a XXXX XXXX in XXXX, Florida. I live on the property and parked my vehicle on the Company property in front of the building. On XXXX XXXX, XXXX at XXXX, a tow truck and a car repossessed my XXXX XXXX XXXX XXXX. We have several cameras on the property and captured it on video. My fiance and I were actually looking outside and saw them speeding off with my vehicle in tow. I immediately called the XXXX, FL police department and reported my vehicle stolen. The police officers came and we reviewed the videos. They asked me if I had a lien on the vehicle and explained that I did have a lien, however it was four ( 4 ) years ago and paid in full, AND was in XXXX, AL. I never received any correspondence from them in those years pertaining to my vehicle or a balance owed. The Police Officers waited for the Company to call and explained to me who took possession of my car and why. At this point, I immediately called the company that towed my vehicle, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX and they provided me with the company the company that authorized them to repossess the car for them. That company is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. They received an Order from XXXX, XXXX XXXX XXXX, XXXX, GA XXXX who is the parent Company of XXXX in XXXX, where I originally obtained, and paid off the Title Loan. Since XXXX XXXX, XXXX, I have contacted XXXX XXXX XXXX XXXX XXXX of XXXX, and the Corporate Office of XXXX XXXX in XXXX. After speaking with the agents who took my vehicle, I spoke with XXXX, the Manager of XXXX XXXX XXXX, AL. She was n't very helpful and forwarded my situation to the District Manager. While waiting for her to call, I contacted the Corporate Office and they immediately contacted the Regional Manager, XXXX who called me. She was basically just reading info to me, with my " Unpaid Balance Amount '', which changed three ( 3 ) times the first day. And, she could not tell me the origination of the balance or explain any of the obvious mistakes made by the company during the four ( 4 ) years since I paid off the Title Loan. She had XXXX call me, the District Manager and XXXX admitted that there were several discrepancies and issues with the entire transaction, so she called Corporate. She was advised that she could give me a settlement amount. I immediately refused a settlement as the vehicle was paid in full. The Corporate Office of XXXX XXXX Legal Department called me, they had no knowledge of any requests for documents that I had made, they had no knowledge of the circumstances relating to my case, they only called to give me a " Settlement '' amount. Since I was referred to the " Legal Department '', all communication with anyone from the company was ceased and they were not allowed to speak with me. I have gone in circles for almost a month, trying to obtain copies of all documents, etc. No one will respond. I have attempted to retain an attorney, without any success. The Attorneys in Florida do n't want to take the case because the Loan originated in Alabama. The Attorneys in  Alabama do n't want the case because I reside and the vehicle was repossessed in the state of Florida. I have spoken with advocates, private practices, state legal aid, etc. Nothing! To sum this up, my vehicle was stolen from my place of business. The fact that I paid the Title Loan in full, I received my spare key, I was given the information about the Titles being kept offsite, and the information about the electronic lien being removed from my vehicle ... XXXX I do not know what else I can do. I have been without a vehicle for almost a month now, it has jeopardized my job since it was repossessed from the front of our XXXX, I can not stress enough the amount of hardship this has caused me. It has been four ( 4 ) years and I do not have the documents any longer, however, all parties involved are refusing to speak with me or provide me with any information. I am begging you for any help or advice. I believe many laws have been broken and have succumb to the fact that my vehicle is gone, and I will have to persue this not only in the attempt to regain ownership of my car, but the hardship it has caused. Thank you so very much in advance!

Company response to consumer: Closed with explanation