Consumer complaint received 2023-07-27
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: TMX Finance LLC (MS)

I am raising this concern because I have a Loan secured through my XXXX XXXX. As the consumer and natural living person I have the right to be treated fair and equitable before, during, and after all Consumer Credit Transactions as well as notified in the open and conspicuously about rates, disclosures, fees, contractual agreements etc prior to a contract for it to be considered binding. Based on my own extensive research, cases I found on XXXX, and various articles of other consumers stating that XXXX has taken advantage of them in a predatory manner and vocalized that it is indeed a shady company. I decided to look into my recent Consumer Credit Transactions with them to see if I had been taken advantage of as well. I submitted a complaint on XX/XX/XXXX. ( # XXXX ) My complaint was closed with an explanation included in the uploads. Although XXXX XXXX and did not admit fault or guilt I did not expect them to be honest after the continuous research of their Unfair and Deceptive Practices. I received this draft on XX/XX/XXXX in the Online Portal but did not read it until today. However this is still not a sufficient response to me. But one thing the letter did state that was promising is that " TitleMax strives for excellent customer service and remains willing to work with me to reach a mutually satisfactory resolution to my complaint ''. 

On XX/XX/XXXX I received a call from the XXXX XXXX where she stated I needed to make a payment. I told her the earliest I could make a payment or come to any mutual agreement would be the XXXX. She then stated that my account was no longer under legal review and my account has been flagged since the XXXX and my account was no longer on hold as of the XXXX and that I should have received some correspondence in the mail. I advised her that I had not received anything in the mail regarding the dispute, a 30 day legal review, and the numbers still sounded off to me because even if the 30 day legal review or hold on payments is 30 days then how could they come to a conclusion without me being involved as of the XXXX or the XXXX when I submitted my complaint on XX/XX/XXXX and did not receive feedback on the CFPB XXXX XXXX until XX/XX/XXXX? If I was to make a payment the payment would have been due on XX/XX/XXXX. Today is the XXXX of XXXX so if anything the hold would have been lifted on the XXXX of this month ; and as far as payments if I was to pay anything by the first it would still be within 30 days of the due date. We kind of went back and fourth after I told her she was fast talking, using a condescending undertone, and not explaining the dates to me properly. I told her the next steps would be to invoke arbitration because this is an ongoing dispute and the Federal Trade Commission and The Consumer Financial Protection Bureau is the only entities I know that could properly investigate compliance outside of an internal investigation. She said that since I was seeking " legal counsel '' that she or XXXX could no longer speak to me regarding my account or payments and to wait on correspondence from the legal team. I told her that was never my intent to hire a lawyer and arbitration is the steps to take before adverse action on their behalf or before me seeking to hire a lawyer or legal counsel. XXXX is something that requires an Administrative Process and I was still waiting on the correspondence or the original instrument of indebtedness that she claimed I had received. She then proceeded to tell me that she is already aware of how arbitration works. She has already forwarded false information over to the legal team, could no longer assist me, and was already seeking to repossess my vehicle. Again it has not even been 30 days past XX/XX/XXXX so what's really good? 

Why did she still forward false information to the legal team and why wasn't I ever able to speak with the XXXX XXXX XXXX XXXX to discuss this matter further? Why wasn't I given any other option of payback or a detailed breakdown of what happened? These are all things that should be done prior to arbitration or even getting a legal counsel involved. I truly believe this is retaliation for even making a complaint, taking a personal initiative to learn more about the TILA, securities exchange, commerce law, and attempting to exercise and insert my rights. This is truly unacceptable but definitely believable behavior from them because this is what I am disputing in the first place. XXXX XXXX has a recent and past history of Unfair and Deceptive Trade Practices these are just a few examples below : " TitleMax customer warns of deceptive car loans '' https : XXXX " CFPB Orders TitleMax to Pay a {$10.00} XXXX Penalty for Unlawful Title Loans and Overcharging Military Families '' https : XXXX " Consumer Financial Protection Bureau Fines TitleMax {$15.00} XXXX for Predatory Lending '' XXXX XXXX XXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX, the % XXXX % XXXX % XXXX % XXXX % XXXX.