Consumer complaint received 2025-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
I lost my job and was in the process of starting a new one and I had no way of paying my rent and bills and I was afraid I would lose my apartment and go homeless and I had no other choice while I was waiting for my training class to start on my new job they told me my paperwork hadnt came in yet and that I would have to wait until the following next month to start the next class XXXX waited for over 2 months and already got sent the computers and equipment for my new job and had gotten a paycheck from them for the onboarding I had completed and thought I was in the clear after I had taken a title loan out on my car to pay my rent and electric so I didnt get kicked out however they waited until the day before my next class after waiting over XXXX months to tell me I wasnt hired anymore and wasted XXXX months of not looking for other employment elsewhere because I wasnt hired anymore under the impression I had a job I was starting soon which is the only reason I even took a title loan out then I had to look for other employment for the next XXXX months causing me to be unable to make payments at title Max because they XXXX my payments at like XXXX $ every month with nearly XXXX XXXX of what they was charging me was all fees and interest and only like XXXX $ of each of those payments going towards the payoff or principal balance making it nearly impossible to to pay them and get my title back because nearly all of the charges was fees and almost none of it going towards what I actually barrowed from them. As i was struggling to find a job I had to resort to hiding my car and locking it up so they couldnt take it from me then recently they sent out a tow truck driver that came and parked in my driveway for XXXX hours or so and was even talking to my neighbors and embarrassing me and telling them my business and telling them he would be nice enough to allow me to get my XXXX out of my car before he takes it and was harassing me and asking my neighbors if I was home and told them Ill get it XXXX way or another I had to call the police and have him escorted off my property now Im afraid to take my car out anywhere in fear of them finding it and taking it from me when I cant even get caught up on my bills and I am struggling so badly I cant pay them especially the ridiculous amount of charges that they have set up to basically steal my car right out from under me I live alone and I have no one that can help me when Im in a bad situation like this XXXX and I depend on my car for transportation to be able to get to and from a job and for the the things I need that are crucial to my livelihood and if I lose my car I will lose my home and everything I have because I wont be able to get to the places I need to go or get the things that I need and I need my car more than anything. They did not disclose to me that the charges would be this absurd and Im so overwhelmed that this is causing serious health and harm to my mental health and well being as its causing to much needless stress and anxiety making it to where I can even function or communicate properly and its causing me to have health issues stemming from all of this its absolutely cruel and predatory what they are doing and I need help and dont know what else to do Im also needing to file bankruptcy more than likely and I dont know how and I cant handle all of this piled on top of me

Company response to consumer: Closed with explanation