Consumer complaint received 2015-06-10
Company: TMX Finance LLC
State: SC
Product: Consumer Loan
Sub-product: Title loan
Issue: Lender repossessed or sold the vehicle

Complaint:
I applied for a title loan on XX/XX/XXXX. My vehicle was repossed XX/XX/XXXX illegally,due to not being properly notified.I have not received a" Notice of Right to Cure" Title Maxx was communitcating with a person not on the loan. They was leaving messages and notice XXXX. Per there system my address was correct and I have yet receive any notice before my vehicel repossed and the hood damaged in the process. XXXX initiated the repo. Per repo agent XXXX didnt know the make of my vehicle.She advised him it was gray and was at my resdience on XXXXSC. I find this very odd, if she knew where my residence was why did a receive any notices at the address stated. The general Manager advised a Notice of Cure was sent in XX/XX/XXXX but did receive the notice or any other forms of commuincation. I continued to pay on my loan and Title Maxx accepted payment until I made a payment of $XXXX. My payment is $XXXX. I wrote a note advising that I would pay the remaining on XX/XX/XXXX when I dropped of payment on XX/XX/XXXX which was 9 days late.I didnt receive a notice advising that Title maxx do not accept partial payments.Not knowing that the Genreal Manager was holding my Money  payment of $XXXX because she could only accept $XXXX. On the 19th day my car was repo with out properly notifying me.The General Manager stated she proceed with the repo due to failure to reply and she could not get in contact with me, but she sent the repo man to my residence address on file at Title Maxx XXXX to pick up the vehicle. My question is why was I not sent any notices to the address on the account. Legally I am as the consumer is suppose to receive one notice of "Right to Cure" Per South Carolina Law section 37-5-110 and 37-5-11. I have the right. I was suppose to be given 20 days after i receive the letter to pay up that I didnt receive at the address of XXXX SC XXXX on the date the letter was supposed to be mailed at the said address. On XX/XX/XXXX my car was repossed. I contact Title Maxx.. I was quoted that I had to pay the loan in full XXXX. The she advised I could pay $XXXX to bring the account current. She said I owed for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. As I say again, If i was that far behind why wasnt' I notified and why wasn't the car repo in XX/XX/XXXX. I have a reciept for where I paid by money on XX/XX/XXXX $XXXX Money order, and I paid $XXXX of $XXXX on XX/XX/XXXX. How was I a month behind and still had possesion of the vehicle if a Notice of Rigth to cure was sent in XX/XX/XXXX that I did not receive.If I had been notified properly, I would noy have had to pay repo fee of $XXXX, may car would not have been damaged. I was making payments every month. Made XXXX partial payment with a written notice that i will pay the other $XXXX on XX/XX/XXXX when I dropped off payment of $XXXX on XX/XX/XXXX. Also my right as a consumer has been voilated beacause The General Manager went the residence of XXXX and discuss my account with her tell her I made a partial payment on my account and left a numerous notices with XXXX on the door and in her hand that I and the payor didnt receive in hand. Per XXXX she threw the notices in the trash becasuse that was personally business that should not involved her.When Title Maxx has my correct address on file and my employer information. I was voilated and I am going to file a civil case against Title Maxx XXXXSC. I have pictures of damages while the car was in title Maxx possesion and receipt of XX/XX/XXXX Payment. Thank you

Company response to consumer: Closed with explanation