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  • Report: #273954

Complaint Review: Titlemax

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  • Submitted: Wed, July 20, 2005
  • Updated: Sun, March 15, 2009

  • Reported By:Fort polk Louisiana
Titlemax
230 W GENERAL SCREVEN WAY SUITE 106A, HINESVILLE, Georgia U.S.A.

Titlemax ripoff and harrassment HINESVILLE Georgia

*Consumer Comment: A Crime ??

*Author of original report: Ellyssa??!!

*Author of original report: Ellyssa??!!

*Author of original report: Ellyssa??!!

*Author of original report: Ellyssa??!!

*Consumer Comment: These People Need to Look in the Mirror and See They are People Just like the rest of us.

*Consumer Suggestion: Titlemax Ripoff report

*UPDATE Employee: Why didn't you read you contract?

*Author of original report: Read Again!!!!

*Consumer Suggestion: Are you serious?

*Consumer Suggestion: Are you serious?

*Consumer Suggestion: Are you serious?

*Consumer Suggestion: Are you serious?

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The statements about Titlemax are very true. They not only charge you so much interest that you can't pay the note off, but even when you pay more than you are required they still call you after you tell them that its for more than one payment.

They don't just call you one time, they start calling the day its due, then continue several times a day calling you. I had a death (murder) in my husband's family and told them that we were dealing with a lot at the moment, was not where I could get to the address and even told them that as soon as I could I would send the payment, adding more than the entire 6 dollar required payment. Come on six dollars and they are going to hound you to death, when you have a very serious matter on your going on in your life.

Even a business should have compassion. We are military and I think that having moved states away due to reassignment and something that serious going on that they would not call continuous. And they keep adding so much to your account that it just goes up and up so you have to keep paying them forever.

This is such a rip off. For a mere 500 dollars I have now paid this company in excess of 2000 dollars and it still is not paid off. I also think that there is a limit on how many times they can call someone and the times at which they are allowed to call as well . Like before 7am this is just like they are loan sharks instead of a title loan buisness. Even going as far as to call my family and tell them that they were filing auto theft charges on me because I moved out of state? Come on, we are MILITARY and they knew that when they did the loan. Am I suppose to stay behind the only year my husband is home out of what will be three years until they are paid in full. I DO NOT THINK SO.

They are crazy and that is slander stating that I have stolen my own car, I doubt my MP husband would do or let me do such a thing, or so it would seem!

Debra
Fort polk, Louisiana
U.S.A.

This report was posted on Ripoff Report on 07/20/2005 07:28 AM and is a permanent record located here: http://www.ripoffreport.com/r/Titlemax/HINESVILLE-Georgia-31313/Titlemax-ripoff-and-harrassment-HINESVILLE-Georgia-273954. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 13Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

A Crime ??

AUTHOR: Stuart - (U.S.A.)

I can't believe the girl from Savannah called this Theft by Deception !! The borrower would have had to have the intent to defraud and then taken steps through lies, false writings, etc. to make it happen. It is NOT a crime to fall behind on your payments. If the funds were borrowed in the first place under false pretenses it MAY be. If the lender has a valid security interest in the property, then he should just repo his collateral and be done with it. Oh, but wait a minute...if he did that he could no longer charge late fees, or 300 percent interest anymore. And his trained monkeys would have to find another sucker to harass. I feel so sorry for the people that are forced to darken the doors of places like this.
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#2 Author of original report

Ellyssa??!!

AUTHOR: Debra - (U.S.A.)

Ellyssa,

Apparently you failed to actually read the comment completly! I did not say I was six dollars short, I stated that the payment due was merely six dollars that they were harrassing me about. And when you are dealing with a death wiring six dollars is hardly on your mind. As for the rest of your comment, yes I read the contract to assume I did not would be assuming I was an idiot! Clearly you do work for this company that abuses their customers to no ends. Thank goodness it has been cleared up for over a year now and no I will never get another title loan as long as I live. But for you to respond the way you did is clearly rude of you to begin with considering your failure to read all statments and not change them like you did. A very loyal employee I would say, and from other posts I dont think I am wrong in anything I have said read up on all of the consumer complaints next time before you address the issues you just run accross!

To the other comments thank you for your time responding and even if explaining for not being rude for someone speaking their mind about a consumer complaint against a company.
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#3 Author of original report

Ellyssa??!!

AUTHOR: Debra - (U.S.A.)

Ellyssa,

Apparently you failed to actually read the comment completly! I did not say I was six dollars short, I stated that the payment due was merely six dollars that they were harrassing me about. And when you are dealing with a death wiring six dollars is hardly on your mind. As for the rest of your comment, yes I read the contract to assume I did not would be assuming I was an idiot! Clearly you do work for this company that abuses their customers to no ends. Thank goodness it has been cleared up for over a year now and no I will never get another title loan as long as I live. But for you to respond the way you did is clearly rude of you to begin with considering your failure to read all statments and not change them like you did. A very loyal employee I would say, and from other posts I dont think I am wrong in anything I have said read up on all of the consumer complaints next time before you address the issues you just run accross!

To the other comments thank you for your time responding and even if explaining for not being rude for someone speaking their mind about a consumer complaint against a company.
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#4 Author of original report

Ellyssa??!!

AUTHOR: Debra - (U.S.A.)

Ellyssa,

Apparently you failed to actually read the comment completly! I did not say I was six dollars short, I stated that the payment due was merely six dollars that they were harrassing me about. And when you are dealing with a death wiring six dollars is hardly on your mind. As for the rest of your comment, yes I read the contract to assume I did not would be assuming I was an idiot! Clearly you do work for this company that abuses their customers to no ends. Thank goodness it has been cleared up for over a year now and no I will never get another title loan as long as I live. But for you to respond the way you did is clearly rude of you to begin with considering your failure to read all statments and not change them like you did. A very loyal employee I would say, and from other posts I dont think I am wrong in anything I have said read up on all of the consumer complaints next time before you address the issues you just run accross!

To the other comments thank you for your time responding and even if explaining for not being rude for someone speaking their mind about a consumer complaint against a company.
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#5 Author of original report

Ellyssa??!!

AUTHOR: Debra - (U.S.A.)

Ellyssa,

Apparently you failed to actually read the comment completly! I did not say I was six dollars short, I stated that the payment due was merely six dollars that they were harrassing me about. And when you are dealing with a death wiring six dollars is hardly on your mind. As for the rest of your comment, yes I read the contract to assume I did not would be assuming I was an idiot! Clearly you do work for this company that abuses their customers to no ends. Thank goodness it has been cleared up for over a year now and no I will never get another title loan as long as I live. But for you to respond the way you did is clearly rude of you to begin with considering your failure to read all statments and not change them like you did. A very loyal employee I would say, and from other posts I dont think I am wrong in anything I have said read up on all of the consumer complaints next time before you address the issues you just run accross!

To the other comments thank you for your time responding and even if explaining for not being rude for someone speaking their mind about a consumer complaint against a company.
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#6 Consumer Comment

These People Need to Look in the Mirror and See They are People Just like the rest of us.

AUTHOR: Karla - (U.S.A.)

You may sit on your horse, high and mighty, making fun of other people, but your time will come. I agree that you must work for Titlemax because your comments are just like the information and run-around you are given when you try to contact someone at Titlemax to help you.
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#7 Consumer Suggestion

Titlemax Ripoff report

AUTHOR: Jim - (U.S.A.)

It looks as if Kristie and Ellyssa work for TitleMax, but don't identify themselves as such. Also, Kristie responded to another RipOff report previous to this one.

I am very familiar with Mr. Young and TitleMax, as well as the company beginnings.

I would like to first say that if Kristie and Ellyssa work for TitleMax, then shame on them and I have forwarded comments to Savannah.
Mr. Young is a reputable gentleman/businessman and actually has one of the best Title Pawn companies. I've heard worse stories concerning other companies.

I don't necessarily agree with the repayment structures, but if the contract was agreed to, by the customer, then it is binding and should be adheared to. TitleMax isn't a traditional loan or financial organization, so it shouldn't be treated as such.

I too found myself looking at this financial hardship solution and seriously considered TitleMax, but was able to find an alternate means of financial help.

I won't deal with the title pawn business in general, until Georgia decides to put stiff regulation in place.

If I am in dire financial hardship and have to utilize a company like TitleMax, then I will do what's needed to meet the contract terms and not lose anymore money, since I put myself in that situation.

Anyway, we live and learn.
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#8 UPDATE Employee

Why didn't you read you contract?

AUTHOR: Ellyssa - (U.S.A.)

First I'd like to say, Debra, I am sorry about your loss.

I have read and reread your report and am wondering if you took the time to read the contract you signed before you signed it and accepted the check. The contract states that what you signed was a "pawn contract" and is only valid in 30 incriments per Georgia law. It also states that that regardless of what state you live in you and the vehicle are governed by Georgia pawn laws (that is where the pawn was started and the contract was signed). As far as you "stealing" the car...the law that applies here is "Theft by deception" which means you decieved the lender by signing a contract stating you would pay back the loan and failed to do so per the requirements of your contract. If you knew you were moving then you probably should have made arrangements to pay off the pawn before you moved.

I am also wondering what you did with the "volentary payback guide" you signed and were given a copy of before you accepted the check. The "payback guide' is the paper you got showing what the interest payment was and how much was suggested you pay to apply money to your principal and repay your loan in a timely manner. As it is not our pollicy to want these type loans to drag out forever (it's bad for business).

Again you are governed by Georga (because that's where the monies were borrowed and the contract signed) as far as collection proceedings. In Georgia we can attempt to contact you as many times in a day as needed until we reach you and you hold up to your contractual obligations. By not returning phone calls and you left them with no other choice but to contact you references.

I am at a loss about how they would "keep adding so much to your account". Unless you are referring to the intrest that accumulates every 30 days or the prorated interest for days uncontracted. Your contract clearly states that because the nature of the pawn that there is no grace period and can only be renewed or extended by making the minimum interest payment. Payments cannot be doubled up. The excess amount over the interest due would be applied to the princapal and the interest due would be reduced which should make it easier to pay off the pawn.

In regards to one of your payments being $6.00 short. What would you have wanted the store manager do? Take the money out of their own pocket? You are already late on the pawn what was thier guarentee that they would get that money back?

I hope if have cleared up any misunderstanding you have had with your contract and our company. If you have any questions please feel free to post them here on this site and I'll answer them to the best of my knowledge or find the right answer for you.
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#9 Author of original report

Read Again!!!!

AUTHOR: Debra - (U.S.A.)

First of all I did not say it took away obligations for any debt incurred, and I do not think that this is a place to try to downgrade people because of anything they say. I was merely stating that we are a military family and there fore we can not control the fact that we had to move, that in no way should classify as theft of a car. You say that if it were a loan on a car that it would be the same, well that is not true, they do not tell you that you can not move out of the state where you lived when you got the loan in the first place. If that were the case there would be noone hardly purchasing anything what so ever. This matter was paid in full!!!!! And it was not the paying of the debt that I was referring to so maybe you should read more closely before posting something as degrading as you did to what I had said. It had to do with the harrassment, and to do with the fact that just because we were transferred to another state they wanted to press charges against me for auto theft which is not legal. My husband is an MP and I do believe he knows laws such as this.
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#10 Consumer Suggestion

Are you serious?

AUTHOR: Kristie - (U.S.A.)

Debra? What does your husband being in the Military have to do with you honoring your obligations? NOTHING! Does that or SHOULD that exempt you from your responsiblities? And I am sorry but if you breached the contract (and according to what I read - you did.) Then Yes Ma'am...you stole that car. It isnt yours anymore. Ask around and get someone to explain to you how loans and collateral work. The only thing that is wrong here is that the consumer should have to pass some sort of aptitude test or IQ test before being allowed to sign on the dotted line.
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#11 Consumer Suggestion

Are you serious?

AUTHOR: Kristie - (U.S.A.)

Debra? What does your husband being in the Military have to do with you honoring your obligations? NOTHING! Does that or SHOULD that exempt you from your responsiblities? And I am sorry but if you breached the contract (and according to what I read - you did.) Then Yes Ma'am...you stole that car. It isnt yours anymore. Ask around and get someone to explain to you how loans and collateral work. The only thing that is wrong here is that the consumer should have to pass some sort of aptitude test or IQ test before being allowed to sign on the dotted line.
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#12 Consumer Suggestion

Are you serious?

AUTHOR: Kristie - (U.S.A.)

Debra? What does your husband being in the Military have to do with you honoring your obligations? NOTHING! Does that or SHOULD that exempt you from your responsiblities? And I am sorry but if you breached the contract (and according to what I read - you did.) Then Yes Ma'am...you stole that car. It isnt yours anymore. Ask around and get someone to explain to you how loans and collateral work. The only thing that is wrong here is that the consumer should have to pass some sort of aptitude test or IQ test before being allowed to sign on the dotted line.
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#13 Consumer Suggestion

Are you serious?

AUTHOR: Kristie - (U.S.A.)

Debra? What does your husband being in the Military have to do with you honoring your obligations? NOTHING! Does that or SHOULD that exempt you from your responsiblities? And I am sorry but if you breached the contract (and according to what I read - you did.) Then Yes Ma'am...you stole that car. It isnt yours anymore. Ask around and get someone to explain to you how loans and collateral work. The only thing that is wrong here is that the consumer should have to pass some sort of aptitude test or IQ test before being allowed to sign on the dotted line.
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