Consumer complaint received 2026-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CCF Intermediate Holdings LLC
State: OK

Complaint narrative:
I want to start by saying I did not personally have an account with titlemax. In XX/XX/2025 I purchased a vehicle from a guy that provided me with a Bill of Sale and promised to provide me with a title once it arrived in the mail. I ask the seller to take a picture with me standing by the car holding up the current bill of sale and the current registration for the vehicle which is in his name. After owning this vehicle for 9 months now I decided to pack my belongings at my residence in XXXX Tn and move to XXXXXXXX XXXX XXXX Once my family arrived to XXXX Texas I was visiting a buddy and when I came outside my vehicle was gone. Not to mention for 6 months o have been in contact with the seller which was promising me that he had misplaced the title and he filed for a lost title. He told me that the lost title claim was approved and it would take up to 3 months for them to get a new one to him, He provided me with a vehicle Bill of Sale and the current registration ( in his name ) and than took a picture of us both standing by the vehicle with all documents in our hands on XX/XX/2025. When I noticed my car was gone I immediately called the police in XXXX Texas and they came to the scene. The officer advised me to not file a stolen vehicle report until I could know for sure that the car was stolen. I did as he suggested and called everywhere searching for the vehicle in which I could never locate because there is no tow tracking on the vin number. Still to this day by the vin you can not locate the car. After thinking of all possible ilities something told me to call him and ask him if he knew what was taking place. He goes on to tell me that he is a car salesman and would never do anyone wrong and he wanted to make this right because he didn't personally own the title but the previous owner had and that when he filed for a lost title and it was approved he never thought nothing else about it. Since that day I have called every titlemax several times a day, they have Transferred me to there investigations department they have ask me to submit my documentation several times and advised me that the car situation was under investigation and for me to contact the seller and have him to contact them for vehicle release. He than explained to me that he had spoke with titlemax and they did indeed repo the vehicle in Texas and he was paying off the loan at that time so that I could pick the vehicle up. He than provided me with an address to pick up the vehicle it was just going to take 3 days to verify his identity and account info but for me to pick the vehicle up 3 days later in XXXX at the corporate. Little did I know but corporate don't even have people come to there office for anything, I didn't know that until I paid someone to bring me to pick up my car and they didn't know what I was talking about. The seller than calls me and tells me that he has made arrangements to pay them by phone and was doing so at that time and once they released the info to pick up the vehicle he would call me back and provide that to me. The next morning he calls and text to tell me to pick up the car in XXXX XXXX Texas and after paying a ride to take me that tow yard didn't know anything either so at this point I was thinking everything was a lie and I had been taken from I paid this man XXXX dollars cash for a reliable vehicle that I since that moment have put over XXXX cash into the car for maintenance and repairs and now that the car was repoed not only did they get my car that I needed to work and provide for my family but also every piece of identification for the XXXX of us. All of my work paperwork and electronics laptops, phone etc. All XXXX of ours jewelry clothing shoes and hygiene, we literally was set out on the streets in texas with nothing but the clothes on our backs and a hungry empty stomach with maybe XXXX bucks left to survive. The next morning a guy from the titlemax security investigations department ( at least that's what he said when he called me ) told me that titlemax and the customer had made an agreement at that time And as soon as either the agreement was made I would be Able to pick up my car but to not worry until there investigation was over the car would remain on there auction yard without the ability to be sold until an agreement was made between everyone with this matter. The next morning the seller called me and told me that titlemax wouldn't take his bank car for some reason and he was in his vehicle on his way to me to pick me up And take me to pay and get my car back. I talked to him and have every last text message from beginning to end of our conversation until he decides to completely fall from the face of the earth and ignore me. I have called several titlemax and spoke to so many people and they keep telling me to send an email with my documentation of ownership to there email address and they would get back to me once it was looked over and I have done this 3 times already with no phone calls or word back from them. Since than I have spent so much money trying to locate and get my personal property out of the vehicle because I don't know Anyone this far from home And having my vehicle instantly ripped from me didn't help my situation at All. I have starved, been homeless until now and all of this problem and devilish ways have created so many barriers in my life that I could never be able to forget it. I want my vehicle back I want this guy to be blasted everywhere and to pay me either another vehicle in the same shape or pay me cash for this car. He even has stated in conversation that he was so sorry and was gon na get me a replacement vehicle until this issue was fixed. At this time I don't know rather my car was towed as a repo for titlemax or towed to a chop house or just down right stolen. This is something I'd never wish on my worst enemy because the stresses from being in a place not knowing anyone or having anyway to do anything a normal person would do every day has stressed me to the point that my health has decreased tremendously I'm begging to the original office of titlemax on XXXX XXXX highway in XXXX Tn to please allow me to get some info about were I can pick up my person belongings before it's to late I have called everyday and can't get anywhere with this because the account at titlemax is not mine so therefore they want tell me Nothing. Help please

Company response to consumer: Closed with explanation