Consumer complaint received 2024-07-09
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (AL)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I started with a loan of XXXX upon checking my XXXX XXXX account there was additional XXXX available that they could loan me and I fell for it. 
They gave me a loan of XXXX and charged me XXXX every month in interest. I had been paying out of a SSDI check for 7 months ON TIME and unfortunately someone rear ended my car. I contacted the store let them know I had been in a car wreck on the XXXX of XXXX. The renewal on it was XXXX on the XXXX and I was told by the store XXXX XXXX that I should it pay it even though the car was a total loss and they would be getting paid by the insurance in a few days. 
Then I called the store and asked XXXX does the store do settlements because they were charging me about {$XXXX} a day plus a late fee. He told me no they dont offer settlements. The customer service reps and the store reps gave me the runaround regarding a settlement. I requested that the district XXXX XXXX call me I never received a call. 
When the loan was due on the XXXX the balance was XXXX and by the XXXX the balance is XXXX. I went to the store and the store XXXX 's car was there I was told that the XXXX would be in the next business day and when my lawyer called XXXX the associate played as if he was XXXX. I decided to not to request a settlement anymore because of the hardball tactics the store XXXX and the company uses. 

The XXXX after hearing the nonsense I was being told by the XXXX XXXX officials guaranteed me that I would walk away after XXXX XXXX got paid with enough to get another vehicle. My insurance company ended up giving me XXXX once they heard a recording of how ruthless and money hungry the XXXX was Their tactics XXXX be legal but they are definitely unethical. They couldve took just the late fees off but they took nothing off I am currently XXXX weeks pregnant : XXXX called me talking bout they couldnt sign the paperwork until they received the check. I asked did he want the adjusters info. He told me no. 
The customer service I received XXXX up to par and I would to know what is Title Maxs policies on settling because I recieved multiple DIFFERENT answers from people. The customer service was atrocious and disrespectful. There was no regard to my well being and how I was expected to get around after I was in a no fault accident. If you look and count the XXXX or more times that I refinanced then why cant the business tell me Why XXXX I offered a settlement amount when I asked or Why was I being harassed after the insurance XXXX had contacted the store. WHY WOULD YOUR STORE XXXX WANT ME TO REFINANCE MY LOAN FOR {$XXXX} IF THE COMPANY WAS GONE TO RECEIVE PAYMENT AND THE CAR HAD BEEN DECLARED A TOTAL LOSS ON THE XXXX of XXXX. I RECEIVED A CALL EVERYDAY UP UNTIL THE XXXX of XXXX. WHY WAS I TOLD MY CAR COULD BE REPOSSESSED EVEN THOUGH I WASNT 30 DAYS PAST DUE Even now I was told the store XXXX couldnt issue me a refund. I called corporate as I directed and still recieved the run around about the refund XXXX XXXX owes me like {$XXXX} because the XXXX included interest till the XXXX not the XXXX. It was a 10 day pay off. so the issue will be resolved when I receive a refund for the XXXX extra days of interest thats was received with my payment. 
The insurance paid the company on the XXXX in the amount of {$XXXX0} and after I notified them that they were overpaid. XXXX XXXX issued me a refund check of {$XXXX} but in their BBB response it doesn't let me know how I am supposed to receive it. I was given the run around regarding a settlement because in all I paid over {$XXXX} for a {$XXXX} loan even though my income was about {$XXXX} dollars a month. The business harassed calling me daily when there was an insurance payout and showed no sympathy towards my situation even though I paid every renewal on time. 
Even when I got the title loan, I was never educated about the fine print details and I was just told to sign if I wanted the money. I had to read the fine print to learn that they couldn't repossess unless you were 30 days past due. XXXX is fundamental. It was all smiles and giggles when the loan was given but just as soon as I wasn't able to pay and the security interest was gone. I got a completely different attitude. Even after they claim a check was issued I called the XXXX number provided in the business 's response and they told me that they couldn't provide any information about the check and that I would have to speak with the legal department. They proceeded to give me an email for legal which I don't need, I asked did I need to pick my check up at the store or was it being mailed to my address and received no information from the company.