Consumer complaint received 2026-02-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
I took out a title loan against the title of my truck on XX/XX/XXXX from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total loan amount was {$1500.00} I believe this amount to be exact from the paperwork that I have been able to actually get from XXXX XXXX XXXX, as well the paperwork that I already had. For whatever reason the most recent paperwork involving the issue at hand is no longer available for me to view in my online account. I don't quite understand why everything was available for me to view in my online account but now that my truck is gone, this paperwork is no longer there! Paperwork from older accounts is still there, but nothing from this one. That is a separate issue that is currently being looked into, and I am confident will be resolved very soon! What this complaint is regarding, is my agreement has been re written several times so I am just going to state it this way. From the time that I actually gave XXXX XXXX XXXX the title to my truck, I have paid them {$440.00} per month for somewhere around a total of XXXX XXXX months, somewhere in the neighborhood of {$10000.00} with the original loan amount being {$1500.00} as I stated my loan has been rewritten a few times as I have gotten behind some. When I have gotten behind I have always went in and caught up on the loan as soon as I was able. It seems to me that no matter how you do the math or how many fees that you can find to add on that after XXXX XXXX months there would be some type of reduction in the amount that I owe in order to retrieve my truck title. That isn't the case! My amount that I owe XXXX XXXX XXXX is around {$4000.00} all of the other money that I have paid them over the past nearly XXXX years, {$10000.00} hasn't reduced this balance owed by XXXX dollar? As I said this is a separate that is being looked into. This complaint is about the most recent trouble that I have had. XX/XX/XXXX my agreement was rewritten because I had gotten behind. I missed paying XXXX payment, I had already been behind everywhere financially, now it's the holiday season. I am a XXXX XXXX. I don't run out of work in the XXXX like a lot of contractors do, however it does slow a little as people just aren't having XXXX in their homes as much during this time, so I was still just getting by. I missed XX/XX/XXXX payment, then missed XX/XX/XXXX payment, XX/XX/XXXX In the Afternoon I received a text message from XXXX say that my truck was out for repossession, need payment ASAP! {$940.00} XXXX of my guys who works with me was staying with me at the time, and I mentioned to him. To never take out XXXX of these types of loans. When we got home a couple of hours later I went on my laptop to my account to pay what I owed. I have always been able to pull it up online. When I went to my account is when I realized that this account wasn't there anymore. My old accounts were there but not the one that I needed to pay on! We were working In XXXX at the time, money they have made from me! I have learned recently trying to figure out how to get my stuff back that there are rights that I have as a consumer! There are also state laws, city ordinances, etc that these type of businesses must operate under as well. |This complaint is in regard to me calling and telling XXXX XXXX XXXX that I need to pick up my personal belongings from my truck! The items in the truck are worth XXXX times what the truck itself is worth plus I can't work without them. She gives me a number to call I set up an appointment to pick up my belongings. My truck was Towed by XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I show up as scheduled to pick up my belongings, and the guy proceeds to tell me that I have to pay him {$50.00} to pick up my personal belongings! XXXX! I know for a fact that the state of XXXX does not allow for them nor the lender to charge me to pick up my personal items! All of my equipment for work, my clothes, my coin collection, hand tools, ladders my truck was loaded down! my guy, and my girlfriend both can vouch for what I had in my truck! the best estimate I have is between {$5000.00} - {$6000.00} worth! the spray rig itself {$2800.00}! {$1300.00} coin collection! I have a list of what was there and estimated cost! By law they are supposed to inventory my items send me notices etc. I haven't heard XXXX thing from anyone except the times that I have contacted them and XXXX XXXX XXXX about my stuff! XXXX XXXX XXXX XXXX says that it is XXXX XXXX XXXX charging the fee for me to get my stuff, and XXXX XXXX XXXX says that it's XXXX XXXX XXXX XXXX charging the fee. Well regardless of which one is charging the fee, it is illegal! I have learned that both companies are doing business inappropriately in more ways than XXXX! and I have hired someone and began filing suit against them both. I now found out that XXXX XXXX XXXX has sold my truck, several notices and contacts regarding this should have been made with me before during and after this took place, they didn't! I have a feeling that my equipment, personal belongings are no longer anywhere to be found either! Besides illegally charging me for my property, by law there are several steps that they are supposed to take regarding me retrieving my property as well, I haven't heard a single word! I have lost My Truck, Around {$6000.00} in Equipment and personal items, The remainder of the contract in XXXX {$7300.00} Was remaining balance, I didn't have the equipment or transportation to complete the job. I lost a local contract of {$3600.00} do to not having the equipment nor transportation. I haven't been able to take on any decent contracts in the past month because I don't have the tools to do anything, and for sure no money to replace anything! I have lost all of this over a {$1500.00} title loan that I have already paid more than {$10000.00} on, and still owe the original loan amount! Both of these businesses are operating out of compliance with both local and state laws! I will be pursuing both in order to recover my loss as well as hopefully prevent them from ripping anyone else off!

Company response to consumer: Closed with explanation