Consumer complaint received 2025-12-03 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:
This is not a duplicate complaint. 
This complaint concerns new violations by TitleMax that occurred after my prior CFPB complaint was filed and closed. 

Since XX/XX/XXXX, TitleMax has been in receipt of my Billing Error Dispute ( dated XX/XX/XXXX ) and Notice of Rescission ( dated XX/XX/XXXX ). Both were sent by certified mail to the address printed on my statements and were returned unclaimed after only one day. I also sent the same documents by email to multiple TitleMax addresses ( XXXX, XXXX ) and hand-delivered copies to the XXXX, TN store. 

TitleMax acknowledged receipt of my emails on XX/XX/XXXX and stated they would respond within approximately 10 days. They never responded in writing, never investigated the dispute, and never paused collection activity as required by law. 

Since that acknowledgment, TitleMax has engaged in new and ongoing illegal collection activity, including : Repossession eligibility texts sent on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX A tow truck physically arriving at my home attempting repossession Repeated collection messages demanding payment Ongoing accrual of late fees and interest during a pending dispute These ongoing actions violate : Federal law Regulation Z ( 12 C.F.R. 1026.13 ( d ) ( 1 ) ) Prohibits a creditor from reporting, collecting, or repossessing disputed amounts until the billing-error investigation is complete.

The Truth in Lending Act ( 15 U.S.C. 1666 ) Requires acknowledgment within 30 days and resolution within 90 days of a written dispute.

TitleMaxs own contract ( Billing Rights section ) States that no collection or repossession will occur during a dispute.

The Tennessee Consumer Protection Act 47-18-104 Prohibits unfair, deceptive, and unconscionable business practices.

TitleMax has not acknowledged, not investigated, and not resolved my dispute. Instead, they have escalated collection and repossession attempts during an active federal dispute, which is unlawful.

My account balance has also grown significantly during this period, from interest and fees that should not have been assessed during a dispute. I have also suffered emotional distress due to repeated
repossession threats and an actual tow attempt at my residence.

This complaint is about new, ongoing violations, not the original loan terms.

I am requesting the CFPB to investigate TitleMax for : 1. Violating Regulation Zs prohibition on collection activity during billing disputes 2. Failing to process my billing error dispute as required by federal law 3. Retaliatory repossession attempts 4. Breach of contract and deceptive practices 5. Ignoring certified legal correspondence 6. Continuing to add fees and interest during an active dispute 7. Failing to provide any written response within the promised 10-day review window I am requesting : A full cessation of repossession and collection activity A requirement that TitleMax immediately process my billing dispute A review of TitleMaxs systemic noncompliance The return of my vehicle title and closure of my account at {$0.00} balance, given that the amount repaid exceeds the original principal This is a separate, ongoing federal violation that began after the previous CFPB complaint and is therefore not a duplicate.

Company response to consumer: Closed with explanation