Consumer complaint received 2024-04-02
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (GA)

On XX/XX/XXXX I entered into a loan agreement with Title Max of XXXX XXXX. I was approved for XXXX At first they only approved I think it was XXXX. At any rate my interest was to be as I was told 15 %. I was to start payment on XX/XX/XXXX. There was to be a fee of XXXX of which I felt was ridiculous if not illegal. And monies paid above that would decrease the principal of the XXXX + XXXX making it XXXX. I attempted to make my payment online but the first attempt was declined receiving a text stating I needed to be physically located in the state of XXXX. This was strange as I had never heard of such a thing for a nation wide or even state wide business. So I contacted both the XXXX  and corporate locations.and explained that I was a driver as I had previously when initially applying for the loan. And that I wouldn't be in GA for a couple of days. When I arrived I tried to make another payment. This time I was declined receiving a test stating my payment couldn't be processed at this time ''. So I contacted the XXXX and corporate again. I explained that I no longer trusted their website nor their company because of not only the payment issues but because of the discrepancies that I was noticing in the agreement. They actually lead you to sign a pad to a screen that covers the top portion of the document. Then print it out. I didn't notice this until the time I made it in person to make the payment. Which incidentally I had informed them after talking to them regarding the trust issue which was on XX/XX/XXXX and XX/XX/XXXX. I already had a pending and open case of which XXXX XXXX a regional manager of corporate explained my payments would not entail any penalties as it is an open case. Thus I made a payment of XXXX on XX/XX/XXXX when I had arrived home.. I had a speaking engagement so I told them I needed to get processed quickly. I had a XXXX XXXX XXXX. But then they started going through all of these changes and as previously stated led me to sign a covered doc. When I asked about it she claimed it was normal and that I have to sign it every time I came in. Then the taller rep started talking about making the payment on either the XXXX or the XXXX. At this point I became more confused. Then I went over the process as I had previously with the taller dark haired rep and XXXX XXXX of corporate. Since I made a payment of XXXX over the XXXX the balance of XXXX should have went down to XXXX Then my next fee would be based on that XXXX and the interest there of 15 %. Instead even after coming out of her own mouth regarding the XXXX. She turns around and gives me receipts with balances of more than I initially borrowed.. Then the taller rep tells the shorter rep to print me out another receipt. However when the shorter rep tried she claimed it wouldn't print So in my need to leave I told them both they better get this straightened out. Because this is a criminal case of fraud.They know exactly what they're doing. So I spoke to corporate again after I left on the way to my engagement. I was told she had the case number and the notes. I also informed her that the tall XXXX rep told me to tell her that she had no notes. Which was obviously a lie since the corporate rep had it in front of her as we talked. Finally the corp rep told me XXXX XXXX would call me on today Monday XXXX. She never did. So I call them and they said a XXXX XXXX would call. A little later he did. He claims that he saw that XXXX was taken off the balance. My receipts don't display that amount. Even if they did they would be XXXX short. There is also an issue regarding some XXXX insurance that displayed when XXXX called in on my phone. When I asked why that was she claimed it was some sort of formality which makes no sense as there is no documentation regarding any insurance nor are they under Title Max 's umbrella.