Consumer complaint received 2025-08-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Marlette Funding, LLC
State: OR

Complaint narrative:
Subject : Continuation of Complaint Regarding Title Transfer and Registration Issues Original Complaint ID : XXXX To Whom It May Concern, This complaint is a continuation of a previously submitted case ( ID : XXXX ) regarding the lenders failure to assist with a state-to-state vehicle title transfer. Despite the case being marked as resolved, the outcome was wholly unsatisfactory and the underlying issue remains unresolved. 

When we took out the loan, we resided in Arizona, where the lender retained the vehicle title and added a lien to it. After relocating to Oregon, we repeatedly attempted to engage the lender to initiate a title transfer with the XXXX  XXXX. Our requests were ignored. I sent a certified letter, including a completed transfer form, and offered to pay any associated fees. I requested that the lender either submit the transfer on our behalf or temporarily return the title so we could complete the process ourselves. No response was received, prompting the initial complaint. 

Eventually, after being contacted by CFPB, the lender claimed they had submitted a transfer request and that we would receive an email with next steps. That email never arrived. We continued driving our only vehicle without valid registration, which placed us at risk of legal penalties. When we followed up, the company insisted the transfer had been completed but refused to provide proof. 

Meanwhile, XXXX XXXX notified us that our registration there would be invalid due to our change in residency. We were left with no valid registration in any state. Our insurance agent attempted to help, but discovered that because the vehicle was technically registered in Arizona, we could not obtain Oregon insurance. And since we no longer had an Arizona address, we couldnt renew coverage there either. 

This left us uninsured and unregistered, through no fault of our own. We were forced to purchase a second vehicle, an unplanned expense that placed us in financial hardship just to maintain transportation. 

Later, our insurance agent discovered that the lender had ordered a replacement title, indicating they had lost the original. This contradicts their earlier claim that a transfer had been submitted. It also means that for nearly a year, we were unknowingly driving without valid insurance or registration. 

This situation is not only unacceptable, it is dangerous. The lenders failure to act, lack of transparency, and misleading communications have put us at legal and financial risk. Had we been involved in an accident, the consequences could have been catastrophic. 

At this point, I am no longer seeking reassurances or vague responses. I am demanding that the lender immediately submit the title transfer to the XXXX  XXXX and provide full documentation proving it has been completed. Their negligence has already caused significant harm, and further delays are intolerable. 

This has been the worst experience I have ever had with any company. I am appalled by their dishonesty, incompetence, and disregard for our legal and financial well-being. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief