Consumer complaint received 2024-09-09
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC (TX)

I am writing this letter to complain about the service damage of my vehicle I received from XXXX XXXX, their third towing truck company, the same as the auctioneer ( XXXX XXXX XXXX XXXX XXXX On Wednesday, XXXX XXXX, 2024, at about XXXX hours XXXX XXXX XXXX. CST ), my pickup truck, a XXXX XXXX XXXX XXXX Limited XXXX Vehicle Identification Number XXXX, was picked up by XXXX this is a third-party auctioneer company that XXXX XXXX their services XXXX I discovered XXXX XXXX sold my XXXX XXXX truck for {$10000.00} to XXXX. I owe XXXX XXXX, but my truck is valued at more than {$100000.00} after all the custom parts were installed, I contacted the TITTLEMAX Corporate Office in XXXX, GA, several times to follow up on the claim complaint I submitted regarding XX/XX/XXXX2024, when they repossessed my truck, caused property damage to it, and burglarized the inside of it. 

In XXXX  2024, I sent a certified complaint letter to the local office where I received the loan. I waited until XX/XX/XXXX2024 to hear nothing back, so I called XXXX XXXX, the corporate office, and they confirmed the letter I sent, but the claim still needs to be submitted. Noir then committed to filing a claim and starting an investigation to compensate for their negligence but failed to do so or communicate at all. 

For this reason, from XX/XX/XXXX2024 to XXXX 2024, I did not pay anything for the loan while waiting on XXXX XXXX 's investigation. Even the local XXXX XXXX office failed to mail bill statement reminders to me to make a payment. I was under the impression that they were still in the investigation, as they promised me. 

On XXXX  XXXX, 2024, when XXXX possessed my truck, I mailed to our house a notice COLLATERAL INVENTORY FORM stating that I had had 60 days to retrieve what was left inside the motor vehicle during recovery. So, they listed : CHARGER XXXX PAPERWORK -I, TOOL. I went to the TITLE XXXX local office to get the information. They told me that if I wanted the truck back, I had to pay {$2600.00}. XXXX told me they purchased the truck for {$10000.00}, the loan amount against a {$100000.00} that I invested on my truck. 

I went to see if I could get my truck back, but the security Guard had already told us, stating ( my Partner and I ) that everybody there is on drugs and that they sell a lot of drugs there. I called the XXXX XXXX Police Department for assistance because the security man was not informing us. Once XXXX XXXX XXXX XXXX explained our situation, he approached the security man to talk to him. About five minutes later, the officer told us that we needed to come back on Monday, so we left. 


XXXX XXXX, TMX Finance LLC offered me short-term, high-cost loans as secured I gave the truck title where they are the title lienholder but not the owner. I signed a contract with XXXX  XXXX, but XXXX will illegally sell it on auction and claim a debt collection because I was two weeks late. I ended up paying {$2600.00} in their fees. 

At no point XXXX did not have the right to make a rubbery. They illegally gained entry to my XXXX XXXX XXXX XXXX XXXX and proceeded to burglarize all my personal belongings. During the illegal seizure of my XXXX XXXX XXXX XXXX XXXX, they proceeded illegally seize {$5000.00} in cash ( from the upper glove box in a white envelope it was placed there to turn in the following day for payment to XXXX XXXX XXXX ), a XXXX XXXX bottle of male perfume ( {$200.00} ), a mini car fridge portable ( {$150.00} ), a checkbook to my personal bank account at Bank XXXX XXXX, they proceeded to vandalize my XXXX XXXX XXXX XXXX Limited XXXX by tarring off my License Plates ( steeling one of them and damaging the other one ), damaging the exterior of my XXXX XXXX XXXX XXXX XXXX  XXXX in several locations, They even stole a lug nut off of the front Passenger tire ( a Silver Spike ). My Concerning the XXXX XXXX XXXX XXXX XXXX  XXXX ( 37 Chrome wheels and tires ) : It is a safety issue thanks to these irresponsible people who were using my truck for their personal use. As well as damaging my expense XXXX XXXX package installed at AutoPlex located at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. Where I already received an estimate for the repair of what they damaged : The storage XXXX, XXXX XXXX, misled us as customers and did not respect customer data information, her biased character, and everyone else who works there. She intentionally referred to XXXX XXXX ( XXXX ) as an independent third-party towing storage service company in one of the company forms ; she gave us the wrong VIN number that is not attached to my vehicle, as you see that every document from day as proof is fictitious incomplete documents. 
With the help of XXXX XXXX, XXXX bad business abuses the law because an auctioneer XXXX binds on all the vehicles as a third towing truck company that TITLEMAX uses to sell the customer vehicles for them to put in auctions, making them enrich their package illegally. 

On XXXX  XXXX, 2024, I reported the unwarranted theft of my property and vehicle damage to the XXXX insurance claim form, but they failed to contact me to resolve this matter. 
I could have fixed this situation with one easy move. Concerned about the damage to my truck and the loss of my money, I called the XXXX XXXX Police Department again for assistance, and the dispatcher sent XXXX XXXX XXXX XXXX to report the incident. 

On XX/XX/XXXX, I asked XXXX to provide me with any or all the disclosure information about the claim status I submitted previously since the damages are more than {$10000.00}. They just told me that the claim was denied, and they refused to solve this because I filed a reimbursement complaint for the damages to the truck they made and for the robbery they made me, so every time I called them, I got transferred to their loan creditor. I asked the creditor to send me all the documentation about the loan, but they refused to share it because XXXX XXXX was the only one who could provide the loan document to me. Also, I asked them if there was a chance to make partial payment arrangements to get my truck back, and the answer was no. Neither XXXX XXXX nor their creditor is willing to help me extend the payment of the total amount in 30 days because I am selling my house to get my truck back. Instead, they want a single payment of {$11000.00}, and the due date is XX/XX/XXXX2024 I had invested over {$100000.00} in the XXXX XXXX truck, which was my only way of supporting my family and myself as a XXXX driver. I am suffering severe consequences, including lost wages ; the default on a title loan can also result in losing the chance to get a loan in the future, losing my truck, the only way of transportation, which can cause job loss and a further spiral of damaged credit and financial distress. Skipping other financial obligations like rent, food, or medical care.