Consumer complaint received 2025-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
I am XXXX XXXX XXXX, and I live in XXXX, Florida. In XXXX, I received a phone call from someone at XXXX and was told thatI had been approved for a {$1200.00} loan at their XXXX store. She said to cometo the store in XXXX with the title to my car to sign the papersand get the loan. At that time, even though I did not remember applying for a car loan, I was being XXXX  for XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ). So a loan would be helpful at that time. In addition I had XXXX XXXX and had a XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I also developed wet XXXX XXXX and needed XXXX  in XXXX XXXXXXXX XXXX XXXX XXXX. At that point, I was XXXX XXXX XXXX XXXX XXXX I also had XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX since it was blocked and I might have had a XXXX. Due to all this and my medical expenses, I was not making rational decisions and I explained that to the person who calledme fromXXXX. She told me to cometo the store and they would explain everything. 
I went to the store and filled out some papers and was told that my loan had been declined. I said there must be a mistake since I was told that the loan was approved. The woman I talked to ( XXXX ' ) said she tried to get me approved on her computer but was declined 3 times ( DECLINE LETTERS ATTACHED - i NEVER GOT THEM BUT i FOUNDTHEM ON THEIR WEBSITE ). Then she said " Let me try something else '' and SHE WENT OUT TO TAKE PICTURES OF MY CAR. When she came back she said I was approved for {$3500.00}. I only needed {$1200.00} at that time so she filled out the papers. She had the {$1200.00} transferred to my bank after she explained thatinsurance was required. I told her I already had insurance but she said the insurance they require was different and if there is a claim, it is paid to XXXX. This is a violation ofthe Title Loan Law. So I got the {$1200.00} but the following month when I went to the store to make the payment I was told that I could get the balance of the {$3500.00} which I said I did not want but they said if I did not take the money then, it might not be available the next time so I agreed since I needed it for my rent. They had me signanother set of documents on their computer but I never got a copy. They told methat the documents were on theirwebsite. One of the side effects of XXXX XXXX is that if I stare at a computer screen for a while, everything is XXXX 
I made a payment the following month but then I told them that I was unableto make the payments since my only income was Social Security but I could make smaller payments. I was toldthat XXXX does not acceptpartial payments. ( A VIOLATION OF FLORIDA TITLE LOAN LAWS ). I also asked for a copyof my documents several times so that I could show them to an Attorney and have them explained to me. I was told that they are on their website. I have been unable to find any of them. I signedthe documents on their computer originally and never got copies. ( ANOTHER VIOLATION OF FLORIDA TITLE LOAN LAWS ) I did discuss this with an Attorney and he pointed out that no matter what it is called, a " short term loan with a car title as collateral is by FLorida Law, a Title Loan '' and my loan violates the Florida Title Loan Act for the following reasons : XXXX. XXXX did not take the time to determine if I was financially capable of paying for the loan. They did pull a XXXXXXXX XXXX XXXXe and a XXXX XXXX and both would have been a clear reason for a decline and in fact. I was declined 3 times. XXXX should have made certain that I had enough income for the loan and I provided them with a copy of my Social Security Award letter which showed income of just over {$2000.00} a month. That is well below what is needed to qualify. I have attached copies of the declines and my Social Security Award Letter. 
XXXX. Florida law mandates that the value of the vehicle offered as collateral should exceed the amount of the loan. My car is a XXXX XXXX XXXX XXXX with XXXX miles on it. XXXX and other car appraisers place the value of the car at somewhere around {$2500.00} which is {$1000.00} less than the loan. To appraise the car, an XXXX employee walked around the car and took a few pictures to determine the value. The value of the vehicle should clearly have not qualified for the {$3500.00} loan. 
XXXX. Without warning, my car was repossessed from our gated community late ona Sunday night XX/XX/XXXX. I was not notified that the car would be repossessed and not given an opportunityto negotiate payments I could afford. XXXX weeks later, I still do not know where my car is and how I can claim my personal possessions. Have written 6 times to TMX and Instaloan and they have never responded other than the NOTICE OF OUR PLAN TO SELL XXXX. I received a letter ( attached ) stating that my car would be sold at a private sale and that I would not be responsible for any deficiency which therewillbe. Originally I was willing to take the car back and negotiate a payment plan that I could manage. As I mentioned, I have consulted with an Attorney that wasprovided to me XXXX XXXX. He told me to negotiatewith the lender first and then if I am unsuccessful, he will file suit. I've beentold thatthe courts would impose penalties on a company such as TMX who took advantage of an XXXX XXXX XXXX with XXXXXXXX XXXX XXXX and completely ignored the Florida laws coveringa title loan regardless of what they call it. 
I have not been told wheremy car is located ; if it has been sold and ifso, was it by a licensed dealer as required by law. I have not been given aninventory of my personal possessions nor an opportunity toreclaim them. Included in those possessions is the car registration and the license plate. I paused my car insurance since I didn't have the car and now I may lose my driver 's licensesince I am unable toturn in the licenseplate. ANOTHER VIOLATION OFTHE LAWwhich I believe is called STEALING! Another violation ofthe Title Loan Laws is that my wife, XXXX XXXX is on the car 's titlebut has never been contacted by the lender. 
There is enough violations in this transaction to start by invalidating the contract and declaring it to be null and void. That would enable me to report the car as stolen. I checked with DMV and the registration was reissuedlast week soI assume the car has been sold in what could be a series of crimes. 
Now a month has passed and we have been without a car andI had to cancel several doctors ' appointments ; XXXX XXXX procedure and a scan. We have had to walk to get groceries and fill prescriptions. Our lives have been turned upside down. I blame myself for takinga Title Loan but I had no idea of what I was dealing with. I don't understand why they refuse to negotiate or even discuss this matter.I have heard nothing from them. It's as though they are happy with the repossession and would rather have the car than have the money. I think they may be testing the latest version of the XXXX XXXX XXXX to find what could causethem the most problems since they have XXXX locations in Florida. 
Since this lender violated just about every part ofthe Title Loan Law, I have had virtually no protection. Since that law is intended to warn other lenders about the penalties of non compliance, failure to penalizeTMX in this case would send a clear message to other title lenders that theyare free to conduct businessany waythey want without fear ofconsequences.

Company response to consumer: Closed with explanation