Consumer complaint received 2015-11-21
Company: TMX Finance LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Please help me!!! 

In XXXX 2015 I got a title pawn from Titlemax in XXXX Ga. after being put off work for 27 days without pay in order to not default on my financial obligations. Shortly after returning to work I was XXXX on the job twice, once in XX/XX/XXXX ( XXXX ) and once in XX/XX/XXXX ( XXXX ) again not receiving any pay. I have been paying on the loan since that time. After the second on the job XXXX, I fell behind. Eventually I made arrangements in XX/XX/XXXX to make a payment on XX/XX/XXXX. On that day I called to pay the total outstanding amount ( XXXX ) using a credit card. I was told that I had to come in to pay in person. I traveled to XXXX Georgia to make the payment and was told that they could not accept a credit card payment. I had a check for XXXX and tried to cash it but the banks were closed. Again I made an arrangement with XXXX the manager to send the money via XXXX XXXX on Monday ( XX/XX/XXXX ), which I did. I explained to XXXX that I was a XXXX and when injured I 'm left with no income. I further explained that I was looking for permanent, stable employment that would not subject me to such risk and provide benefits in the event of an injury. I went on to tell her that I have opted to cash in some of my retirement that will be disbursed XX/XX/XXXX, thus allowing me to pay them in full. On that same day a representative of Titlemax came to my home. When I questioned the manager she claimed not to have any knowledge of anyone coming to my home. I explained to her that I did as instructed by her staff, trying to bring my account current and because of their misinformation it placed me in a horrible position. Furthermore, had I been provided the correct information, I could have made alternative arrangements. Their information was costly and detrimental to me. They call everyday, 3-4 times per day. Sometime around XX/XX/XXXX Titlemax called my Stepfather, XXXX XXXX, and disclosed the details of my account and told him I was 2 months behind. I thought this was illegal. When he questioned if I had made any payments they replied, " I ca n't talk about her account. " They failed to mention that I had traveled to XXXX and tried to pay. They failed to mention that I had paid {$800.00} on XX/XX/XXXX. They failed to mention that I had called and communicated with them as early as the previous day. My Stepfather became very upset with them and a confrontation occurred. XXXX the manager at Titlemax told me this information. She stated that the exchange was so bad that her employee hung up on my Stepfather. Per XXXX, shortly after that call XXXX XXXX 's wife called and another contentious exchanged occurred. After calling XXXX XXXX, they then called my aunt XXXX XXXX. They have also called XXXX XXXX 3-4 times per day for over 2 weeks. I questioned XXXX about her tactics, telling her it was illegal to disclose my personal financial business to anyone. I also question the reason for calling my aunt after speaking with my Stepfather. Fortunately, my aunt was present during the XX/XX/XXXX conversation and was on the phone during the XX/XX/XXXX meeting. 

After receiving another income source I spoke with XXXX, again making another arrangement. On XX/XX/XXXX another Titlemax representative came to my home, before the arrangement could materialize. 

I feel like XXXX. They tell you one thing and do another. I feel that there was never any intention to work with me and no matter what I did the only purpose is to take my car. I believe the wrong information was done on purpose. There is no reason for them to send their lynch men to my home. This is threatening and intimidating. Please Help

Company response to consumer: Closed with explanation