Titlemax / TMX Finance
Reviews and Complaints

My mother took out a title loan january 2008, I first learned of this loan after my mother had become ill, and was hospitalized for over a month. At which time a representative from title max contacted me and stated that she had been trying to reach my mother and was unsuccessful. After she had explained what the business was that she was calling about, I explained to her that my mother had become very ill, and would not be able to be available for an unknown time. The doctors were doing lots of test but they had no answers and she was getting worse. So this rep. Suggested that she contact my self on when payment was due so that we could set up a "promise to pay" date, I said that would be fine that my mother was being compensated by short term disability and the paychecks came in very inconsistantly, so the payments would most likely be late, however always paid with in that month. This title max rep. Agreed, and stated that she would note the system/computer with such information and make sure that either my sister and or my self would be contacted every month. This happened every month starting september 2008-march 2009, my mother was released from the hospital and after some time at home finally went back to work full time. At this time she was able to speak with title max and make "promise to pay" arrangements on her own with still the stipulation that should the payment become really late, or she did not come in to pay, and or they were unable to reach her, they would still use the phone tree system and contact myself, and or my sister. This last august of 2009 my mothers car was repossessed after 14 days of her account being delinquent. My mother received a call from another rep from title max the day of the repossession, at the time my mother was not informed by this rep that her car was subject to repo. The title max rep stated to my mother that her account was in a very bad place and that she needed to set up a "promise to pay" right away. My mother said can my daughter bring the payment first thing in the am? Title max rep stated yes, that would be fine. I received a call around 12:30am from my sister stating that there was some one out in her apartment complex parking lot taking the car? She had explained to the repo-man an arrangement was made to satisfy the delinquent status of my mothers account for the morning, this man responded well sorry, I have my orders. I arrive 10 minutes till title max opens the next morning, with the payment as per arrangement between the title max rep and my mother the previous day. Once inside, I introduce myself and explain why I am there and what happens now since title max has repossessed the vehicle? This rep appears to be confused and starts scrambling around looking for papers (I guess) anything that matches what I am saying, she then looks at her mess. Mach and states that there is a mess, it could be about my mothers vehicle. Sure enough it was, the man confirmed that he did have my mothers car. She then turns to me and states, well we have to have full payment from debtor now to get back the car? I said.. No, you made an arrangment with my mother last evening to come in and pay the delinquent balance with out telling her that the car was scheduled to be repo'd. After this she stared in again confusion, I then realized I would get no where with her and asked for the rep. That I had always dealt with, she explains that she works at the other location in town, which has nothing to do with the one that my mothers account was at. She had switched stores. I requested that she get her on the phone in addition to getting a manager in because this rep was the only one in the building. She contact the manager for that store and while we waited for him, she contacted the rep that I had dealt with. Once in the phone the title max rep knew exactly who we were and knew that we had never missed any payment and if it was late, she called us and we came in with the payment once we had set up the "promise to pay". The new rep, states she was unaware of such arrangements that there were no notes in the system/computer, so she had no idea? Once the manager had arrived, the first thing out of his mouth was he was new, and not really for sure on what to do, however text book training was to receive full payment or past due plus repo fee. I then request for him to get any one that is going to take this huge error seriously on the phone and or here. That request put him on the defensive fence and we went back and forth for about 20 minutes repeating. I stated to the manager that I was not leaving until this was resolved and the 2 agents that were there were obviously at a level of authority that they could not ultimately resolve the issue. So at this point the recept/customer serv rep decided to contact the police because they refused to get assistance and I was not leaving. Later that day we had pulled my mothers phone records which indicated that, no calls to or from title max at all, except for the one phone call the day, the car was repo'd, the recept/customer serv rep had explained that she had called 3 times and my mother made 2 "promise to pays". Obviously based on the new information we had about the lying title max rep we took in this information, to further prove our case, this time to the other store to a manager who seemed to be concerned with a resolution and the rep that we had dealt with since september 2008, once we provided the proof that the other office had lied and did not follow the title max proceedure, they were very quiet and immediatly got on the phone to contact their district manager, the district manager stated that he would call them back. They both explained once he contacted them, they would call us. We have never received a call, their system shows that my mother has paid every month and never ever not made a payment on a "promise to pay." title max rep made false notes and we have the proof, this rep illegally had my mothers car repossessed, and no one in the title max company has made any contacts to follow up with a resolution. I am furious with this entire ordeal, to think that lower income families, whom can not get a decent loan have to come to this type of place to get the cash they need and then this is the end result! I will not stop writing and putting out this complaint until some one from title max that remembers why they have a job in the first place takes this grave error seriously!

Once the loan is paid in full the title is released to you but you have to pay for a new title to show no lien. They pay for a lein to be placed but not removed. 120% interest rate & $10 a day interest.. Unbelievable!
I pray that this people have a conscience and can not sleep at night but I doubt it!

Have anyone ever filed bankruptcy and included titlemax? Well here is my story I cannot proved it but I suspect titlemax is involved in this mysterious fire at my house around 2:00 in the morning. They had been coming to my house for over a week to collect or surrender my vehicles so on a monday, april 13th the guy came to my house looking for me and i was not at home, so he told my sister inlaw and brother that they were lying about me not being at home so he said that if he could not see me this way he will find another way to see me.

So before he left my brother gave him my case number proving to him that I filed chapter 13 and that they would be hearing something soon about my case. Tuesday I guess they verified the case number to be true becasue they did not call my house at all that day or wednesday, so late wednesday night my truck mysteriously ignite in flames and seconds later my car ignites in flames and my house is severely damage from the fire from the vehicles that i had parked behind my house. The mayor of dozier found some kind of chemical poured all over my other vehicle parked underneath my car port and then ruled that the vehicles was deliberately set a fire.

I have a very sickly mother in my house and have 4 children and three more family members living in my house and we almost lost our lives over 4000.00 dollars. When I prove my allegations, I hope to put titlemax out of business for good because they have no moral value for a human life because of a dollar. That saying is true about money is the root of all evil and titlemax will get theirs one day. Are there anyone out there have experience an life or death situation when it comes to titlemax. You stupid A cowards you are not the mafia so stop the madness! Or are you?

i took out a 1050.00 title loan with title max- against my toyota 4 runner-custom--blue booked at 4500.00-- after paying 800 on loan i realized that my principal had not started to drop-indeed wouldnt even start untill 2 more payments of nearly 200 each- i was concerned that i was paying 1400.00 and still no prinicpal came down- indeed i still owed almost 2 thousand$$ on 1000.00 loan! i requested to look at my file and was told that a new fedral law prevented that- at that instant i called my friend, an attorney and alsothe owner of highland title- he heard then refuse me the file and had me tell them they were breaking the law-- he then told me to request my truth in lending disclosure-- both the sales clerk and store manager did not know what this was- my friend told me to tell them they were breaking the law- he then had me explain that all lenders needed this disclosure in arp format siting the specifics of the loan-- i told him my receipts show a 121.56% annual percentage rate-- he told me to tell them they are breaking the law-- finally the office manage had the clerk make copies- however- as the pages printed she went over each page with the clerk and the manager told the clerk to change 3 of the pages- my lawyer friend still on phone the whole time---i told him---the manager gave me the forms and i left- i faxed them to my friend who contacted titlemax attorney--to try to figure why i was paying the title loan back times 3-- during this time i kept in contact with the office manager- 2 times per month-- all logged on my phone-- i wanted to make a payment while the lawyers disscussed the issues- she rufused payment--3 months in a row- i explictly explained that i did not want to loose the truck-- i would make payments while it was being solved as i still owed on my loan- just simply was not paying back 3-6 thousand on a 1thousand dollar loan-- she refused payment all three months! then a tow truck keeps coming to take the truck-- they have not-- but i am angry-- their fees are worse than a loan sharks!

I am submitting a copy of the report that has just been filed with the Better Business Bureau in Macon GA to your website for everyone's review. This concerns the events of tonight and how Title Max really stole our Yukon tonight.

Complaint against Title Max:

I want to thank you for allowing me the opportunity to file my complaint concerning the events of this evening, (8 Oct 2008). In late Jan / early Feb of this year my fiancé and I needed to take out a loan on our 1999 GMC Yukon SLT. Title Max agreed to lend us the money and our payments are up to date. We have the September receipt to support our claim. Late last week we found ourselves in need of money due to some unexpected bills.

I called up Title Max and spoke with Author and he said that if we brought the Yukon to the office then there would not be any problem in refinancing the loan to receive an additional two thousand dollars. I immediately informed my fiancé, (Mr. Robert Kennerly) of this and we immediately planned for his trip home. Robert is an avionics technician working out of state as a contractor. Robert and I went to Title Max at 6:00 PM on 8 Oct. 2008. While Robert went to go to the hardware store to make a copy of the key for Title Max I started filling out the paperwork to refinance the loan.

Upon his return we were informed that we needed to provide Roberts paystubs in order to complete the loan application. While we were leaving the office to get the paystubs, two men parked their truck behind ours, thus blocking us in. We asked them to move their truck so that we could leave to get the paystub information. That is when one of the men took the truck key from Author and jumped into our trucks driver seat and tried to drive off. Robert tossed the man out of the truck while another man tried to punch at him.

While this was happening Author locked the office doors and turned out the lights. I screamed out Roberts name and he stopped the fight. That is when the first man got back into the truck and started to drive off again. Robert chased after the truck and jumped into the back passenger seat only to be informed by the driver that Title Max has just repossessed your truck and that he was under contract to drive it away.

During the time that I was in the Title Max Office Author never mentioned that there was any type of problem with my loan, nor was I ever informed of their intention to repossess our vehicle. In fact Author's demeanor was that of complete cooperation with the understanding that once we provided the paystub information that our loan was going to approved. In fact he assured me on 4 Oct that if we drove the Yukon to his office that we were guaranteed no less than an additional two thousand dollars.

While the truth of matter is that it appears that he was only filled with lies and deceitful intentions. Robert and I could fully understand and accept tonight's events if we were behind on our payments but that was not case and I have my last payment receipt to prove it. The bottom line is that they stole our Yukon without cause.