Consumer complaint received 2018-08-29
Company: WRJ Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I submitted a request for information from XXXX XXXX XXXX XXXX at the end of XXXX or beginning of XXXX to inquire about a title loan while starting a new job. I was contacted about 20 minutes later by a man named XXXX who confirmed a few details and made an appointment to come in that day at XXXX XXXX. I arrived at the store with the vehicle and all necessary paperwork and began the application process. I received the loan for a lesser amount than requested but was OK with the amount.

I started the new job but was laid off 2 weeks later which was going to make it very hard to make the high interest payments let alone the principle payment. The day the payment was do I received at least 4 calls from a woman at XXXX XXXX. I explained that I was waiting to receive my paycheck because my previous employer held the first check back but I would be able to cover the interest payment 3-4 days later once the money cleared in my bank account. Later that week I made that payment and did not hear from anyone again. 

By the time the next payment was due I had found another job and also changed my phone number but had not started that job yet. I contacted the store and provided them with the updated information to atleast stay in contact. I explained the the situation to XXXX who became very frustrated with me and began demanding that I surrender the vehicle to the office at which time he would sell it even though I gave him a date when I could pay. XXXX agreed to give me an extension and then we disconnected the call. Later that day I received several phone calls from references that I provided on my application stating that both a man named XXXX and another unidentified female from XXXX XXXX XXXX XXXX had called them several times stating that they could not reach me by telephone even though I had spoken to them earlier. One reference stated that the woman told him she could not reach me regarding an outstanding balance on my title loan. 

When I was told about this I contacted the store once again and spoke with XXXX and he said that it never happened and its his word against mine and I'm " the one who can't pay a loan '' so who will the court believe. I explained that releasing information about any debts to a third party is not allowed at which time he told me nobody will believe me. I also informed XXXX that a man named XXXX called me at approximately XXXX regarding the vehicle. I called the number back and it belonged to XXXX XXXX XXXX. After checking the company XXXX page, I found that XXXX 's towing head repossession agents name is XXXX. On the call with XXXX, he confirmed that the store is contracted with XXXX XXXX XXXX for all recovery efforts. Again I explained to him that contact whether via telephone or in person is not allowed after XXXX in Georgia. XXXX said that he would call the company and request that they do not call me so late. At this time I felt like I was being harassed because of the late night visits to my house by XXXX, harassing my employer and references, and calling me every single day sometimes 3 times a day. 

I still thought that I could make the loan current in time so I did not surrender the vehicle yet. Once I started my new job I began to have problems immediately because my direct supervisor was annoyed that 2 different men from XXXX XXXX XXXX XXXX called every day asking for me even after she explained that I do not work in the office and that calling there is a waste of time because I drive a truck. My supervisor also stated that she asked both men to not call anymore because it is becoming harassing. My supervisor contacted me and told me to call whoever they are and tell them to stop calling because they are harassing her and if I don't, I will be fired. I called XXXX and told him that he was putting my job in danger. He told me pay the bill and we wont call anymore. 

Finally on 08/16/2018 I called the store and spoke to a man who said he is XXXX ' assistant. During the call it was decided that if I bring my vehicle to the store and let them take possession of it that I would not be charged a repossession fee nor would I be charged storage fees while I made my account current. All of this was discussed on a recorded line. 

On XX/XX/XXXX I arrived at the stores physical location with the vehicle loaded on my tow truck and entered the store. I immediately spoke to XXXX and explained why I was there. I asked that the agreement be put in writing to make me more comfortable with it arrangements. He asked me to give him the second key which I handed to his assistant and he asked him to go photograph the vehicle. Once I gave them the second key XXXX told me he did not know what I was talking about and that I would be charged a repossession fee and storage fees even though I had personally delivered the vehicle to them. XXXX stated that the vehicle still needed to get to their storage lot and that's why the fee would be charged. I offered to tow the vehicle to the storage yard to avoid the fee and he told me that was not possible. I explained that this was already agreed on the previous day but he still claimed he knew nothing about it. I told XXXX that I had it all on a recorded line and he jumped out of his chair yelling at me stating that I can not record them. After explaining laws again he told me that he was going to take the vehicle off of my truck and just sell it so I can't get it back. Finally I had enough of being threatened and screamed at by a person who is alot larger than me and I started to leave the store. XXXX began screaming that if I do not take the vehicle off the truck that he will call the police and have me arrested for stealing the vehicle. I explained to him that I was leaving because I was not going to feel intimidated by him or anyone else at the store. He finally agreed to put the original agreement in writing and let me bring the vehicle to the storage area. He wrote the agreement but first refused to sign it. I told him the only way I will honor the agreement is if he signs the document. XXXX assured me that both my employer and references would not be contacted because they now have the vehicle. XXXX also told me that they would not call me until XX/XX/XXXX because that's when my next payment is due. Since XX/XX/XXXX I have been called every single day by the store who have left a voicemail on each occasion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation