Consumer complaint received 2023-08-17
Company: TMX Finance LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
in XX/XX/XXXX Titlemax reposed my car and said it was because my payments had got of track back in mid XXXX so that meant that every payment i made was late. I sked her so you mean to tell me that you let me go almost XXXX being late. there is no way. but i wasn't getting anywhere and so i paid to get my car back after i was lied to about when and where i could get it i had to pay almost {$1200.00} to get it back and i do have a copy of the paperwork with everything written on it as far as notes, times, locations i was told and the dates. also it is the receipt that was printed from tittlemax. i asked her, XXXX the store XXXX, why the app where we pay wasn't working and she said it was because my car was repoed. i actually thought she was lying then because it was showing i had an account but that was it. i could not see the loan amount even and i told her so. there was XXXX other worker in the store and she was at a desk type are right beside XXXX and she was not busy and she watched me the whole time i was in there and she could here everything and she did not say a word either way. i was told i would not be able to get my car for a couple of days so i started calling around and found my car in XXXX nc. XXXX had told me it was going to XXXX sc an i needed to get in touch with someone in indiana fist and they would set an appointment for me to got get it in a couple of days. And i was upset and cussing. i told her they wanted my car and they are liars and the f 'd me over and i cant be the only person with problems. i told her i had saw where the company had been in trouble over the military loan stuff and the had been in trouble and sued and the man XXXX. she told me those were different circumstances and i didn't know what i was talking about. I told her she was a XXXX XXXX and and i will have my car bck by the end of business that day she smirked and said i seriously doubt it. and i left and i found my car and had it buy the end of the day. its was aprox XXXX and it was in XXXX nc in a private tow lot that was lock and there was no one there except XXXX older lady and she helped us get in touch with the tow truck driver that titlemax has contracted. i am a XXXX white female my husband is a XXXX XXXX XXXX male the tow truck driver came and we were sitting in an empty parking lot. he pulls in and he asked if were there for the XXXX i said nothing he told my husband its all the way in the back you can go get. he didnt ask for an id, our names no kind of proof as to who and why were there.i dint spk to him on the phone. the other lady did and all she said was he around because a lady needed to talk to him to see about getting a car. so therefore he had to have had more details about me and my personal life and my family and my husband walked back there got in the car and drove out stopped in parking lot and i got in. so then because of me paying XXXX the app was working in the end of XXXX and it said no payment due until the end of XXXX and it was less than half of a payment. so it was XXXX. i tried no luck and i kept trying for weeks and i kept telling XXXX im trying it isnt working, she told me you cant come in i said no ma'am i am at work before you open and i het off between XXXX pm. she was sarcastic and well we all got long hours. told me there was nothing sh could do. so i finally got it to work the next day and my payment went from 100something to 300 something and it was not time for the next payment and the app didn't show different amounts like that. so i called her back and she told me it wasnt being honored and she didn't see anywhere that ever said 100something. i told her i have the screenshots. she said bring them in and once again explained i have a new job and for XXXX  months i cant request time off. so i did pay what the screenshot had said because for almost 2 months it was saying a 100 and some odd dollars. and i called another store and got corp number. called an casandras boss called me back and i told her everything and even told her i was told by XXXX she said well i will send by boss your info but i cant gurantee she will call you back. she asked me to send her the screenshots i told her ok and then i said i will do it as soon as we hang up and i did and my phone said sent and delivered after the texts. cassandras boss didnt say anything back so i figured everything was good. well when i went to pay the next payment a couple of days later it didnt work again so i called her< the upper boss, and she the said oh you said you were going to send me the screen shots and you didn't and i told her yes mam i did and she wanted to argue me down telling me i dint send and i told her i can forward the ones i sent and when i told her they would be a fwrd to show time and dateshe said ok and i did just that. and she tryied to tell me she didnt get them and i told her again about the frwrd and the time/date issue. and she said oh oh i just got them. let me look into this and ill get bck with you. i didnt hear anythin and i said well she must be working on it and less than a week after the next payment was due, it was day XXXX at XXXX XXXX  i went to go out and get in the car and go to work and my car was gone. i called the big boss back and her whole story changed i we went around and around and she told me i missed XXXX payment and XXXX and i told her that wasnt true. and she said that the larger amount i was seeing was right. the app is always right. and i said well if it always right then my 100 and something dollar payment was right and she said no ma'am. and she said, this was a monday morning, that they would help me out this time i was going to have to pay XXXX and XXXX payment and the repo fees and i told here thats not right. and she would not budge so i told her fine ill pay it wednesday -- - in 2 days -- - she said ok. then wed came and i tried to call no luck the stores answering machine and and then i called corp bck and i was told no no no. mam this is the XXXX time we had to reposes your car. you have to pay the full loan of and the interest and repo fees. so i was supposed to pay roughly $ XXXX {$10000.00}. they couldn't give me a total if i wasn't paying all of that at once because it changes daily. i understand but you took my car wrongfully and every person i speak to the amount gets higher. i told her my jewlery and medicine and all my stuff was in the car and a couple days later i got a letter stating nothing was in my car and then the next day a letter saying they sold my car the XXXX value was almost XXXX and it was sold for a little over XXXX and the want me to pay the rest. no. i want my money for the loss of a work, meds, jewlery all the stuff that was in my trunk. i want the money back from the XXXX repo and i want my car back. oh it was sold i want a better car that they ( tittlemax ) pays for and i want them shut down and i want all employees in XXXX

Company response to consumer: Closed with explanation