Consumer complaint received 2017-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC
State: OH

Complaint narrative:
I borrowed a title loan of {$1500.00} in XXXX of XXXX, The process was confusing. Not Explained correctly. When it came time for the 1st payment of {$400.00} XXXX XXXX, I called many times to see how I could avoid paying back a high amount. No one would return my CALLS, I made my first payment, I tried calling to make arrangments and to see how I could pay at the lowest amount possible to get my title back and car paid off? Again no one returned my calls. On XXXX/XXXX/XXXX they repoed my car. I called to see how I can get my car back so they do n't sell it? I spoke to XXXX she told me I had only TWO options to Pay {$1300.00} that included cash payment to repo company or pay the loan in full {$2800.00}. Those was my only 2 OPTIONS I had no other choice. I had to borrow money on XXXX/XXXX/XXXX I went in to Loan XXXX XXXX XXXX and paid $ XXXX amount applied to fees {$350.00} amount applied to interest {$120.00} amount to principal {$880.00}. It was then explain to me I had to start the loan process over with a new contract. The money and amount I paid this far of {$1700.00} is just gone. That was the only way to get my car back! That was n't one of the 2 options given to me on the phone XXXX/XXXX/XXXX when I called to see what I needed to do too get my car back! They want me to make 4 payments of {$400.00} and 5th payment of either {$400.00} or {$1900.00} once again they could n't explain the process. I did n't have a choice they would n't give me my car without sign a new loan agreement and I have to call on XXXX/XXXX/XXXX to set a appointment to get my car back and miss a another day of work. When I returned home My wife Called questioning why they are making us start completely over they could n't explain. Then she ask What is the payoff amount in 30days XXXX XXXX her XXXX which is basically almost the same amount of the 5th payment. It did n't make since he could n't explain it. So the new terms they Are trying to force on us is 4 payments {$400.00} due XXXX and a 5th payment on XXXX/XXXX/XXXX not really sure of that right amount no one could give me the right answer to payment back the lowest amount possible, and to avoid it going past the 5th payment and paying back {$3500.00}. This is a scam they have people not explaining it right or how it works your never given the same information, I should n't have to start the entire process over cause now I had to borrow money again on top of the {$1500.00} I borrowed from loan max I borrowed {$1300.00}. so Now I am paying back twice as much again already and they are trying to get me to pay them 3times the amount. My orginal loan documents our in my car that I ca n't pick up until Monday. I only have the new documents they are trying to force me to start over with now. 
I do Not want to be robbed any more. I should n't have to start completely over again I want to keep my orginal agreement, and 5 payments of pay off amount {$1900.00} this is what XXXX explained the day XXXX got the loan. When My wife called on XXXX/XXXX/XXXX he basically said the same. So far I have paid them {$1700.00}. My orginal terms was first payment XXXX then XXXX, XXXX XXXX and XXXX and I would have been done paid off got my title back according to XXXX XXXX So I paid {$1700.00} I completely want to settle with a final payment of {$140.00} on XXXX/XXXX/XXXX get my clear title back. For the violation of R.C 1321.10 on top of the 3 days of work I have missed and now I have to drive 2 hours away to pick my car up on top of it! I just want this over with loan max so I can start paying back on the loan of {$1300.00}! I just want this nightmare over! Moving forward I give everyone permission to discuss everything with my wife XXXX XXXX,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief