Consumer complaint received 2025-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Select Management Resources, LLC
State: GA

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX, my vehicle was repossessed by XXXX XXXX XXXX XXXX XXXX akaXXXX XXXXXXXX and XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The repossession agent told me in person on video that the company was " closed on Thursdays anyway so there was nothing i could do until Friday. '' preventing me from retrieving my vehicle the same day. 

On XX/XX/year>, at XXXX XXXX, I paid the loan in full to XXXX. I was told I would be contacted within XXXX minutes with pickup instructions, but no one contacted me. At XXXXXXXX XXXX, I called XXXX on my own was informed that I was cleared to schedule an appointment to pick up my vehicle and directed to contact XXXX to get my vehicle. XXXX confirmed I was now able to make an appointment and told me to call XXXX XXXX XXXX XXXX XXXX  akaXXXX XXXX  to do so but then hung up when I asked questions about why the website was not allowing me to schedule. 

The number provided for the repo company only played a recording directing me to their website. Both their websites ( repoalabama.com and scheduler.cleardata.io ) blocked me from scheduling an appointment, displaying : XXXX hold This XXXX is not eligible for online booking due to a hold in place. Both LoanMax and XXXX confirmed on the first call to both of them that there was no hold, yet I still could not schedule an appointment, had no address to my vehicle, no option for a same-day appointment, and no live contact to a representative of XXXX XXXX XXXX XXXX XXXX aka.XXXX XXXX who they contracted to reposes my vehicle. 

I contacted XXXX multiple times ; the second and third representative stated there was a hold on my vehicle. XXXX later claimed the hold was due to a suspended registration and told me to contact the XXXX. I explained that this is irrelevant under Georgia law once a lien is paid. XXXX then admitted they do not communicate with the repo company. 

At XXXX XXXX XXXX texted me a new link, but the VIN hold message remained. At XXXX XXXX, they said I was all clear to book a pick up appointment online. I tried it again and scheduling was still blocked. The website also states and confirmed that the company does not allow same-day appointments and is closed on weekends, meaning the earliest possible pickup was Monday, XX/XX/XXXX XXXX days after repossession and over 72 hours after payoff.

Later, after explaining all issue to LoanMax again, they told me to use a blue button for a virtual chat, which I did. I received a reply 45 minutes later asking for my XXXX, and no further response. At XXXXXXXX XXXX, I was told by a XXXX employee that she was told by the reposession company via email that the website was broken. which is not a valid excuse and contributed to the delay in the retrieval process. I was provided Another scheduling link that produced the same VIN hold message. At XXXX XXXX, I received an email with yet another link, which again failed. At XXXX XXXX, I was finally able to submit an appointment request for an appointment and received a text that stated it was specifically a request and not a confirmation of an appointment, for XX/XX/XXXX. 

My vehicle was repossessed on a day the company ( XXXX XXXX / XXXX XXXX XXXX XXXX XXXX ) was closed per the information given by the repo company 's driver/employee on camera. payment was made in full less than 24 hours later, yet I have been denied immediate access and forced to wait several days without address information or contact options. XXXX  ( XXXX XXXX on XXXX XXXX XXXX ) continued to advise that they had no way to contact the repo company and that there was nothing that they could do to fix the issue and no other form of communication beside the 3rd party telephone number that I had already advised provided no resolve and continued to hang up on me even though they are contracted with them for repossessions. XXXX XXXX / XXXX XXXX a/k/a XXXXXXXX XXXX XXXX system prevents same-day retrieval, blocks weekend appointments, and provides no means of communication. 

Both XXXX and XXXX contributed by providing conflicting information, blaming a suspended registration ( which is irrelevant ), and failing to provide a resolution. As a result, I have been without my vehicle for essential needs and face ongoing uncertainty.I am requesting a full investigation into the violations of O.C.G.A. 11-9-609, 11-9-610, 51-10-1, 44-12-150, and 15 U.S.C . 1692f ( 6 ). 

I have documented the entire issue in detail and advised both XXXX and XXXX  that all telephone communication was recorded and all physical proof has been retained.

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