Consumer complaint received 2024-04-13
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (TN)

First, I have also filed through FCRA provisions a separate complaint for the " deletion '' of negative credit reporting to the credit bureau. The following is a brief, fully objective, factual account of how LOANMART/XXXX  account number XXXX, has acted unlawfully, unethically, and intentionally caused me significant harm. I will make the CFPB aware, as I did LOANMART, ( evidenced in their application and contract ), that I am a XXXX permanently, XXXX XXXX XXXX person ; medically diagnosed with XXXX, XXXX, and XXXX  whose sole income is my XXXX benefits and have been for the last XXXX years. I am a XXXX household, with an income of {$17000.00} in total, as my fiancee is my XXXX XXXX XXXX and full-time XXXX. This dispute is based on the following facts : 1 ) LOANMART, fully aware of my XXXX status and my XXXX XXXX, engaged in intentional misrepresentations, predatory lending tactics, threats, used UTAH laws and cover bank yet required all documents, complaints, payments to go to California, inaccurately reported things such as my income, years on XXXX, on contract and refused to correct, refused my lawful right to cancel the contract well within the three days regulatory availed period, then retaliated by fraudulently stating through emails I had not sent them the original title and if they did not receive with one day, they owned the car ; however once I notified that I had recorded, uninterrupted, the entire process all the way through the XXXX employee holding the title up then sealing it in the envelope and providing my receipt with a declaration, they suddenly stated they were mistaken. During XXXX calls, they mocked my having XXXX, lied about ever threatening me and lying about receiving the title, and then further retaliated by having my vehicle towed just two days past my very first payment. They misrepresented the amount of the loan and the interest amount, and they refused my emailed request to cancel the contract after my fiancee read it and as my XXXX XXXX XXXX, refused to make a payment. On my last call with them, I begged them to return my original title, remove the unlawful lien of {$3800.00},, and delete the negative credit report that was listed immediately. They responded by telling me they wanted the vehicle, I could not afford a court battle, and I was poor and had no " leverage ''. To further evidence their retaliatory actions, the original debt which a lien was attached was for {$3800.00} on XX/XX/2022 ; they have it now reported on my credit report as currently owing {$10000.00}! They had me at an interest rate so high, that in just 18 months the debt tripled. 

LOANMART used predatory, unlawful, and retaliatory tactics, and has continued ; They were aware of my XXXX status, they knew I had a XXXX XXXX  designated by the government due to my XXXX  condition, they knew we sent notice to terminate within the lawful period and used threats, harassment, and scare tactics ; then tow our only vehicle only two days past our first payment due date; wrote off the debt; placed a lien on my vehicle and reported a significant negative credit report. I am not well, and my condition is worsening fast. I have been tested again with an expected date of " XXXX XXXX XXXX XXXX '' at best 18 months. We have no assets, horrible credit directly from LOANMART 's harm, and they refuse to remove the lien on our vehicle that is worth {$5000.00} at most. However, if LOANMART removed the lien and deleted the negative report on our credit, for ethical or even compassionate reasons, it would offer us some help in getting by until I am no longer alive. 
I am requesting that LOANMART provide the CFPB with all documents, emails, phone correspondence, all information used in my application, a copy of my email requesting withdrawal from the contract within the given limits, the documentation on my vehicle being towed, and a response to all of my claims as to knowledge of my XXXX, the loan amount combined with interest rate to my income, and all information given to the credit bureau, the dates, the actual documentation, as well as their emails on threatening me stating I had not sent the original title, all the way until I provided video evidence, and be held to account. Or, delete immediately the negative account reported to the bureau and immediately release my original lien.