Consumer complaint received 2019-03-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (SC)

I recently had an issue with XXXX XXXX in XXXX SC. We took out a loan on my daughters XXXX XXXX that I originally paid {$8500.00} cash for. After falling on some hard times, we needed the money to keep from losing our home. After paying XXXX for over a year, a little over {$3000.00} on a {$4000.00} loan we decided to sell the car. The payment was 2 weeks late and at that point I let XXXX know we had decided to sell the car. I listed it for sale and immediately got several inquiries on it. The week of XX/XX/XXXX-XX/XX/XXXX, it rained the entire week. I did have one person put a {$100.00} deposit down on the car but he then changed his mind 3 days later and did not purchase it.That was on XX/XX/XXXX. I called the XXXX XXXX store again at that point and said " the sale did not go through but I have people lined up to see it on Sunday when the rain stops. '' At this time the loan was 28 days late. I told her that by Monday the XX/XX/XXXX the loan should be paid off. I spoke to them again on Friday XX/XX/XXXX to make sure we were okay, that they weren't going to take the car and I would be able to get it sold. I was told my account would be notated. 
On Saturday the XX/XX/XXXX, the very next day, XXXX XXXX repossessed the car. It was barely 30 days late and they knew my intention was to sell the car. The loan would have been paid off and I would have been able to put at least {$1500.00} in my pocket. 
Now not only am I out all the money I've paid them over the past year, I'm out the original amount I paid for the car, I'm also out the profit I could have made. I have a XXXX so working full time is really hard but I work as much as I possibly can. I am appalled that this company has such little consideration as to how they turn peoples lives upside down and not care at all. 
When the loan was originated my daughter was told to lie about her income to get the loan approved even though supposedly they don't " base decisions on income ''. If that were the case why did they tell her to lie about it? 
These people are deceiving consumers and locking us into extremely high interest loans with no willingness to work with customers. 
I then received a letter in the mail stating that they would sell the car and if anything was left we would recieve it, unless they decide to give it to someone else. Who else are they going to give it to? Themselves? 
This is the worst company to work with and this type of lending should be outlawed. It's criminal the way they treat people, constant harrassment, calling everyone you know, and then still on top of all of it, they take what you've worked so hard to pay for! 
I am sick and tired of being taken advantage of and XXXX XXXX is the dirtiest company for how they treat their customers! Since they got the car, I want the money back that I've paid in to this loan that probably should not have been written in the first place if the income wasn't high enough in their system to approve it. 
I spoke with their corporate office and was told, they don't hold cars due to the weather and it's not their fault it rained all week. One Day! I needed one more day and the car would have been sold and they knew that! Now they aren't just making a profit off of all the interest, they will make more money selling it, and I have a feeling I will never see a dime. This has to stop with XXXX XXXX! They are destroying people 's lives and don't care at all. Something needs to be done about this company robbing people blind, harrassing them, and taking their assets they've worked so hard for!