Consumer complaint received 2025-08-26 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: AZ

Complaint narrative:
On XX/XX/year> at XXXX am, I called Title Max Corporate office at ( XXXX ) XXXX, and I spoke to XXXX. On this day, my title loan was 30 days past due. I lost my job and it took me a few months to find a new one, so I had fallen behind on my payments. I had already spoke to the Title Max I received my loan from, earlier that month and explained to them what was going on. It was Monday morning when I called and explained my situation to XXXX. She asked me if I could make the payment right then and I told her no. My first paycheck would be on Friday, XX/XX/XXXX, and I could pay the past due amount then, and the following Friday I could make another payment, which would get me caught up. XXXX said ok, that was fine, but I needed to make sure to make the payments I had just set up or they would repossess my car. I also asked her if I could refinance, which would bring my payments up to date. She said I had to call the store I got the original loan from and ask them, but then went on to say I didn't want to do that. She told me to hang on and then came back on the phone and said she ran the numbers and refinancing would make me owe more than I already did, and it would just pile up interest. I told her I thought it would get me back on track, and she said no, that's not how it works. I figured she knew more than I did, so I didn't try to refinance, and then she put me on hold and told me it was to update her computer. At that time she put a tracker on my phone and then came back on the phone and told me it was updated. After I hung up, I went to my brother 's place to spend the night because I had to work the next morning. I only had my job for XXXX weeks at that point, and I am a delivery driver, I deliver packages to homes and apartments, and I use my car to deliver the packages. I had told her all of this also. The following morning, Tuesday, XX/XX/XXXX, I went out to go to work and my car was gone, they had repossessed it. I had to call my boss, and tell him this, and that I couldn't work. I also had a job interview, orientation, the following day, for a job that paid more. I ended up having to tell him I couldn't make it. They told me I had to pay {$940.00} if I wanted to get my car back. I told them I had worked out payments and they didn't care. I had a very hard time coming up with the money, but was able to borrow it from a family member. I picked up the car the next day, and they had stolen stuff out of it and broke off the the little door that covers the gas line to the tank. This woman lied to me, set up fake payments and then lied again about refinancing, because if I would have done that, then my loan wouldn't have been past due. I lost a job that paid more money, and I have to try to pay back the money I borrowed to get my car back. I didn't get it in writing, but I know they record the conversation, they do that for quality assurance. So this entire conversation is saved by them.

Company response to consumer: Closed with explanation