Consumer complaint received 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I am filing a new complaint against TitleMax because their previous response did not address the core issues I raised, and their conduct has escalated despite ongoing regulatory disputes. I am requesting federal intervention due to misleading statements, incomplete disclosures, and aggressive collection behavior.

1. TitleMaxs response contains omissions and misleading statements.

In their prior CFPB response, TitleMax reframed my complaint as a simple matter of nonpayment. This is inaccurate and ignores the central issues : I have paid approximately {$8300.00} over seven months, yet only {$180.00} was applied to principal.

TitleMax did not provide a full payment audit, despite multiple written requests.

TitleMax did not provide a corrected payoff statement.

TitleMax did not provide the required disclosures under Texas Finance Code 348.202 and 349.101.

TitleMax did not address the repossession threats I received during an active dispute.

Their response does not resolve or even acknowledge these issues.

2. TitleMax continues to send repossession threats during an active dispute.

I received multiple shortcode text messages stating : Your account is w/our collections team.

Repossession eligibility confirmed.

These messages were sent while my account was under regulatory review.

TitleMax did not deny or address these threats in their response.

This conduct is coercive, aggressive, and may constitute unfair or abusive practices under federal consumerprotection standards.

3. TitleMax did not provide a full payment audit.

TitleMax claims they mailed a payment history on XX/XX/2025. I did not receive this, and they provided no proof of mailing. 

A payment history is not the same as a full audit, which requires : A breakdown of all fees Application of each payment CAB fees vs. lender interest Principal reduction Refinancing impact Accurate payoff calculation I have repeatedly requested this information in writing. TitleMax has not provided it.

4. TitleMax did not provide required disclosures.

TitleMax claims documents are available in a customer portal.

However : Portal access does not satisfy statutory disclosure requirements.

I specifically requested disclosures under Texas Finance Code 348.202 and 349.101.

TitleMax did not provide these disclosures in their response.

TitleMax did not provide a corrected payoff statement.

This lack of transparency is a core part of my complaint.

5. TitleMaxs response misrepresents my payment history.

TitleMax states that no payments were made after the last refinance.

This is misleading because : It ignores the {$8300.00} paid prior to the refinance.

It ignores the cumulative payment history.

It ignores my dispute regarding how payments were applied.

It ignores the fact that only {$180.00} went to principal.

This supports my request for a full audit.

6. The OCCC confirmed they can not address these issues.

I filed a complaint with the Texas Office of Consumer Credit Commissioner ( OCCC ). Their written response states : They can not regulate the lender.

They can not force TitleMax to correct payment application.

They can not stop repossession threats.

They can not enforce disclosure corrections.

This is why federal intervention is necessary.

I have attached the OCCC letter.

7. TitleMax did not address my request for a repossession freeze.

Despite the active dispute, TitleMax : Continued collection activity Sent repossession threats Did not confirm whether repossession is suspended This is a major concern.

Company response to consumer: Closed with explanation