Consumer complaint received 2020-12-07
Company: Roseberry Inc.
State: MS
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:
XX/XX/2020 the manager of my local Title Cash store showed up at my home. When she began banging on my door I was asleep after working 10 hours the night before. One of my children answered the door, when they informed her that I was sleeping, she demanded for my children to go and wake me up. When my kids woke me up and told me what was going on I was appalled at this woman. I walked outside to see a woman I have never seen before, she was not at the store the day I received my loan and she had no kind of identification to prove she was from the title loan company. The woman demanded I give her {$180.00} or she would need the keys to my car. I told her I had {$140.00} to my name which was all on my debit card. I then asked her if she had the ability to take a card to which she replied I could call the store to make a payment with my card. I agreed and thought this to be the end of the conversation. As I attempt to call the store and make the payment I hear a car horn repeatedly. This woman is in my driveway blowing her horn like a maniac. I continue on the phone and complete my payment to the store for {$140.00} ( everything I had on my card ). I then hear yelling coming from outside, then I hear my daughter ( XXXX ) yelling back. I go outside to find this woman hanging out her car window yelling at my daughter, I walked out to the car and said You will not yell at my child and you need to get off my property. She starts to yell at me and now we are both in my front yard yelling at one another. I then tell her to remove herself or I will have the law remove her, as I am telling her this a friend of my boyfriend pulls in the driveway and gets out as he walks by this womans car she asked him if he was related to me and he replied no we are of no relation. Her next statement was Well if she don't give me {$180.00} right now I am going to have her car towed out of here. This demonstrates her lack of respect for the customer and well as her knowledge of privacy laws. She openly gave out my account information to someone after being told he was not any relation. At this point I was fed up and told her I would be calling the police if she did not leave. She then takes it upon herself to call the law on me at my own home. The law then shows up, she tells them that a tow truck is on the way and I'm not sure what else, they then come to me for my side of the story I even called the store to confirm I had already made a payment, the police run my car tag and my license. After the woman calls and confirms the payment she stated that I was {$40.00} short for the payment and demands the {$40.00} of the car would be towed. My boyfriend pulls up at this time and hears her demanding the {$40.00}. He pulls the {$40.00} out and asked for a receipt. She hands him a piece of paper from a memo pad on which she signed thanks MGMT. Aside from how rude the lady was from the start of this ordeal, She violated my privacy right, yelled at my child, had no ID to prove she was even with title cash, couldn't give me a legit receipt, and she called the police on me in my own home. I contact the corporate office and spoke to a supervisor who stated she would get to the bottom of the problem and contact me back. It has been a week and I have yet to hear back from her.

Company response to consumer: Closed with monetary relief