Consumer complaint received 2019-11-15
Company: Select Management Resources, LLC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My family members and I were constantly harrassed by the local Utah branch while I was hospitalized. 
I took out a title loan of {$1700.00} with the Loanmax of XXXX Utah in XXXX.  My first payment was due early XX/XX/XXXXXXXX  but in late XX/XX/XXXXXXXX I was hospitalized with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Loanmax representatives began calling my home and leaving several messages that violated third party disclosure. A family member informed loanmax of my hospitalization but they continued to call and violate third party disclosure. 
When I was discharged from the hospital in late XX/XX/XXXXXXXX, several family members approached me about the numerous messages left on my answering machine by loanmax representatives threatening to repossess my vehicle and damage my credit. I still have these messages saved and will be forwarding them along for proof. 
I requested that the state manager, XXXX, contact me to discuss the account but I only received one message from her to contact the local branch and work out arrangements with them. I made several attempts to reach her again but never received another call all while the local representative continued to leave illegal answering machine messages. 
In middle ofXX/XX/XXXX I'd finally had enough and threatened to turn over the recorded messages and family statements of harrassment to the local Consumer Protection Offices, State Consumer Protection Offices and Utah Office of the Attorney General. After playing all the messages that violated third party disclosure to local management I was told that due to the several violations and medical conditions I'd had brought on me that the loan would show paid in full and no other collection or contact by Loanmax would be made. 
I did not receive any other calls or contact until my mother contacted me on XXXX stating someone was just at her house threatening to repossess the collateral from her. She told them I did not live there, which I do not. I called the repo representative and told him the loanmax decision from XXXX and he said he'd contact Loanmax. Then on XX/XX/XXXX the repo company visited my mothers house again. I again called the repossession company and told them never to visit and harass my parents again. Then on XX/XX/XXXX after XXXX they harassed my parents again. Then on XX/XX/XXXX they visited my in laws threatening to repossess the van from their address where again I do not reside. They were told not to return but they did again on XX/XX/XXXX. 
Loanmax then sent a different repossession company back to my parents home onXX/XX/XXXX. 
I filed a complaint with the XXXX XXXX XXXX in early XX/XX/XXXX but loanmax claims no wrongdoing and their legal representation stated on XX/XX/XXXX that my account was properly notated and no further calls have been made or will be made to any of the telephone numbers I provided. The local branch then attempted to call me on XX/XX/XXXX at XXXX MST.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief