Consumer complaint received 2020-02-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: AutoMoney, Inc. (SC)

Problem started I. XX/XX/XXXX I was told I was 3 payments behind I. XX/XX/XXXX. I asked for an explanation because that was not at all true went over receipts with her I paid two payments in XXXX and then I paid 1 in XX/XX/XXXX I just been a victim of a violent crime so what in the best state of mind and the manager kept telling me that I was three payments behind so I paid another few payments I even had the pawm my TV and some other antiques to pay by this. This manager of this particular title loan service was keeping my payments. Because I was never three payments behind the final straw was I got a letter XX/XX/XXXX stating if I didn't pay by XX/XX/XXXX my car would go into default. So I paid again before the default I've got a money order receipt for that but I could not find it when I was talking to this manager about it and she kept insisting every time I paid I didn't pay it but I was three payments behind all the time. I found that receipt after the fact of going through this again with her after paying the money for the default or to be paid by the day before the default date well I found the receipt tried to reach out to the man who owns the company could not get to him call his other locations I did not want to give them information because the person who is the manager of the store is who have the complaint against and they kept telling me that she was the one that I have to give all this information while I did not want to give the person who stole from me and put me into default knowing I wasn't in it but pushed it because she thought I couldn't find the receipt so I didn't know what to do. I was not going to give money to somebody they kept stealing my money so basically they gave we're giving me no choice I still have my car I even talked to an attorney but he said they would push me into arbitration. And I told the attorney they may have work things has he said in their contracts that basically protect them and not a consumer. But I said that is all fine and good but I have proof of the receipt and the letter she sent me if I didn't pay by certain date it will go into fault I have all that I'm waiting on a letter to show who signed for it and cashed it as being the manager of the store she is the one who has to cash those. So I was fraudulently put in default that payment don't know where it went and I've had mistress repo agents following me around I paid cash for my XXXX XXXX when my father passed away in XXXX so it was a real frustrating emotionally and mentally and cause me much stress me and my husband matter fact he had a XXXX XXXX dealing with all the stuff and constantly worrying about somebody taking the car when we paid our bills. Everything and everyone I've tried to reach out to in the legal area because I don't have a bunch of money to throw down to them no basically gives me the run-around also. All I want is an end to this I have the proof that I paid before default as I said and I was not sending the packet with all this proof in it to her whether I made copies or not because somehow if you can still as much as she sold and push somebody's car in The fault like that I wasn't trust and doing it and I said I reached out to the top the man who owns it never heard back from him I was other offices I said I had to deal straight with that manager that location that was it so I just felt like they had their foot on my throat.I 'm well paid over what I owe them on that loan I don't know what to do from here if she hadn't done that I've been paying the payments and it probably be paid off by now. I don't think anybody should have to go through this they're taking advantage of people like that holding our lives hostage when you give a manager somebody that's got full 30 over everything can change things this and other and you can only talk to them well that's pretty I don't even know where this is unbelievable and it's against the law. Please help me remedy this situation and also remedy it was the title loan company that they not do this to someone else they are messing with people 's lives and livelihood