Consumer complaint received 2022-04-22
Company: TMX Finance LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I took a loan out in XXXX to prevent me from losing my car and home. I had no job, no source of income and never took one out before. I stated this to the General Manger who completed my loan application. The requirements for the loan were valid registration on my vehicle and some sort of income in which I did not have. She took a picture of my expired registration cropped out the expiration date and submitted the document for approval. The loan was processed and when I asked, she stated that they would keep my title until I paid my loan off never no mention of a contract needing to be signed, she had me sign and stated this was for the card I would be receiving the funds on and that was it. I had no means to pay my first and second payment and was in contact with the General Manger, I spoke to her advised her of my situation with my husband having a XXXX XXXX which caused my set back. she asked me if I was looking for work and what other arrangements, I was making to try to pay my loan. I stated yes, I was, and she said okay just let me know. I also stated on XX/XX/XXXX that if in the event it was going to go into repo status to save the embarrassment I would take my car to them she stated yes that would be better and save you on the repo fees. The same day I accepted a job offer pending a background check and advised the General manger and she stated ok get your hourly rate and call back. on Monday XXXX the XXXX I contact the General manger and advised her of my pay and then she stated get your pay dates and I advised her it was conditional offer pending the background and wouldn't be given that information until it was completed she stated okay call me when you have that information so we could go from there. I spoke with again on XX/XX/XXXX and pretty much was told not to call back until I had my pay date information. I then tried to get help with paying my loan and contacted her again on XX/XX/XXXX on speaker with the Manger from a different Loan office and she would not help me with obtaining my pay off amount in which this has been an on going issue with retrieving my contract. I accepted the job and started work two days and on XX/XX/XXXX my car was drugged out of my drive way and I woke up and reported my car stolen not knowing it was repossessed when the General Manger and I were working together and it turned out not to be so. I called to advise her Manger and he stated that he wanted the full amount on XX/XX/XXXX and if I could come up with the money to call the same store I took the loan out to get a hold of him and he would call me back. I had told him that I'm sure they had damaged my car by the way it was pulled out my driveway he then stated that no negotiations would be made because, I would pay to get my car back and not pay again claiming damage to my car. He would not hear of anything else or, the complaint I was trying to make against his GM with my issue and sending her employee out to a circle k to obtain pictures to get a loan done. he basically stated for me to get the money to pay my loan and deal with the complaint later. I tried to call to get my contract again today XX/XX/2022 and the GM was talking practically yelling upset I had called corporate and for me to call them for help and I stated I wasn't trying to argue she stated call Corporate and have them hook you up and hung up. I then reach back out to the District Manger and have not heard back. I was not given any details on where my car is and how to obtain my belongings but, he did make sure to tell me he nor, TitleMax was not responsible for any damage done to my car. The General Manger had me under false pretenses believing she was working with me when she had no intentions of doing so. I would have never accepted a job, I had no way of getting to and could have surrender my vehicle to save myself from the embrassment and humiliation caused by having my car repossed and having to contact my employer of my situation making matters even worse having my neighbors looking into my yard at the track marks from my car being drugged out my driveway. She should have been honest and I'm expected to work with this woman. I can't trust as she was not logging in all the times I called stating she last spoke with me on XX/XX/XXXX.

Company response to consumer: Closed with explanation