• Report: #269394

Complaint Review: Titlemax Of Georgia; Owner, TRACY YOUNG

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  • Submitted: Wed, August 22, 2007
  • Updated: Tue, January 22, 2013

  • Reported By:decatur Georgia
Titlemax Of Georgia; Owner, TRACY YOUNG
3454 Memorial Drive 15 Bull Street Suite 200 Decatur, Georgia 30032 Savannah, Georgia 31401, Georgia U.S.A.
  • Phone: 404-286 2338
  • Web:
  • Category: Loans

Titlemax Of Georgia; Owner, TRACY YOUNG Malicious Collections Decatur, Savannah, Georgia

*General Comment: Very sorry...

*Consumer Comment: One word "Arbitration"

*UPDATE EX-employee responds: You were late

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I am a single mother whose proud to convey that my daughter commenced enrollment at Georgia Medical Institute. I worked hard to realize this accomplishment as a CQA Field Specialist. I was injurred on my job running from a dynamite blast which. My injury required surgery and progressive rehabilitative therapy, whereof, I have not been able to return to work.

March, 2007, additional expenses for her education were in demand. I borrowed 1500. on my automobile; a 1997 Cadillac Eldorado. The scheduled payments on the contract is 189.00 a month , due the 15th of each month, with 5.00 a day late charges assessed as fees.

May, 2007 I was hospitalized with a heart condition. When released from the hospital, I paid the scheduled amount of 189.00 plus 20.00 late fees for being 5 days late. July, 2007 I was 18 days late paying but paid the scheduled amount.

An associate called to convey that they were not accepting the payment without "487.00" in late fees or for me to come in and pay the contract in full. They sent the payment back. I returned the payment. Titlemax did not re-issue the payment but began vicious collections.

They, Titlemax and association, called me and my family, with harrassing phone calls late into the evening. I photographed an associate inside my car. When I asked the female "what was she doing in my car" her response was "this car no longer belongs to you, it is the property of Titlemax.

August, 2007 I remitted the scheduled payment on time. About 3-days after that payment was made sometime during a Sunday morning, ny car was repossessed. I could not believe it. Actually , I thought that my car had been stolen and called Dekalb County Police.

After his investigation, it was determined that Titlemax had the car. Titlemax repossessed my car because I refused to pay them almost 500.00 in late fees for being 18-days late. These people have to be stopped. If I were to operate a business with their ethics I'm sure that I would be prosecuted for a litany of wrong doing.

I am in the process of litigating a suit against these entities. I am contacting your source and as many as I encounter who advocate the exposure and ultimate "cease" of businesses like these who prey on the hardships of comsumers.

Pamela
decatur, Georgia
U.S.A.

This report was posted on Ripoff Report on 08/22/2007 09:53 AM and is a permanent record located here: http://www.ripoffreport.com/r/Titlemax-Of-Georgia-Owner-TRACY-YOUNG/Decatur-Georgia-30032-Savannah-Georgia-31401-Georgia-31401/Titlemax-Of-Georgia-Owner-TRACY-YOUNG-Malicious-Collections-Decatur-Savannah-Georgia-269394. 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 3Consumer 0Employee/Owner
Updates & Rebuttals

#1 General Comment

Very sorry...

AUTHOR: Furious - (United States of America)

Hi Pamela,  Sorry about your situation. I know it shows 2007, but this company still is doing bad to innocent people. They hide numbers such as 13.5% and hide the "every $100.00. I know someone who this was happened to very recently! In another state, besides Georgia. They do not care about your personal situations at all! They only care about you giving them the amount they ask. Not partial, but whole. The person that dealt with them said they are like mafia. No organization whatso ever. Just very long contracts, as if you are purchasing a home cause they want you to feel that it will take forever to read and so you don't read.

It's their fault cause they SOUND so good that they make you believe that's what the contract says. Of course, who really reads ALL the contract for the house BEFORE signing? Some will lie and say they do, but then why don't they read this companies contract to the consumers? Cause they are out to get their money or vehicle! They care about themselves more than you! They will say they need a job and they need money. I don't fall for it! It's obvious that employee, Briana, doesn't give a care about you or any of us by what they stated. Even professional words hurt! Also, I don't really get the part what Dan put in. Yes, arbitration is right. But when someone threatens your life! By saying what he stated!: "I'LL RIP YOUR EYE BALLS FROM YOUR HEAD AND WASH YOUR MOUTH OUT WITH SOAP". 

He and ANYONE can call the cops and say it's a threat! It seems Dan MIGHT be an employee or getting paid by this company to post that post. How can ANYONE get away with these words! It's as if someone putting a gun to your head and it's okay cause you don't have a contract with them, so go ahead and shoot! And those words chosen are so much mafia related! I just hope you got justice, Pamela. Don't let people tell you otherwise. And about the court on the contract, do you think this company will follow it at all?!!! Come on! It's just there to intimidate us.

Also, I applaud the guys that shoplifted Title Max in your state of Georgia! It's on Youtube! I would shake their hands rather turn them in. I don't blame the guys at all. It's like robbing Osama or Hitler. I feel for you, Pamela! It's 2013 of January and nothing has changed! I'm sure they are advancing more in their tricks and being thieves themselves. And if you google President of Title Max, You will see post for VP of the company. Hmm? Wonder why? The company didn't want to give the presidents name out to a consumer! It's like complaining about a burger and asking for the manager and the employee says, "No! We don't know!"

Sounds for assanine, but this is true! They wouldn't give them the name! Thank you for letting us know it's Tracy Young! Then again, it just might be a false name as a cover up. I'm a religious person and think they will pay for their sins in Hell if they don't repent on earth. No such thing as purgatory. That's another story that I can't get into on here. Just go to youtube and type Return From Heaven to Hell. If no one believes, God bless you. I'm a sinner to and have my angers. I'm just not this sinful to hurt innocent people. Wish Robin Hood were alive today or someone like him.
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#2 Consumer Comment

One word "Arbitration"

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

Pamela let me say sounds like a very tuff situation a wish you luck but unfortunately I think your going to run into the nasty word I have listed above "Arbitration" And I am pretty sure your loan contract has this in it.

I'm no lawyer but I have read the loan contract my brother has with this company in the state we reside which is South Carolina and it has a lengthy clause in the contract referencing Arbitration and the way I read it is Basically you waive all your right's to a jury trial and I will quote the major parts of it the exact way it is wrote in this state but don't know if the same applies to you in georgia or not.

You acknowledge and agree that by entering into this Arbitration Provision:
(a) YOU ARE WAIVING YOUR RIGHT TO HAVE A TRIAL BY JURY TO RESOLVE ANY DISBUTE ALLEGED AGAINST US OR RELATED THIRD PARTIES;

(B) YOU ARE WAIVING YOUR RIGHT TO HAVE A COURT ,OTHER THAN A SMALL CLAIMS TRIBUNAL,RESOLVE AND ALLEGED AGAINST US OR RELATED THIRD PARTIES; and

(C) YOU ARE WAIVING YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, AND/OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT FILED AGAINST US AND/OR RELATED THIRD PARTIES.

Now that is written just as it is in there contract here in SC and I wish you all the best with your actions you try to take against these Financial disease causing folks. I like to refer to it as "Financial Cancer".

Now for the comment that Briana has writen basically in the defence of Titlemax of calling the family to try to collect the money to avoid the repossession it's aparent to me this is a common practice of Titlemax and I hope to break them of this practice because like I said my brother has a loan with them NOT ME.

For 7 months now I have been harrassed by them and hired agents calling my cell phones my business and my home. Not to mention coming to my business and harrassing my employees.

After several several calls to the branch and up thru the chains of command of there structure of management all the way to the corporate office it still hasn't stopped. I am not contractually obligated to this company in any shape or form notto mention my employees. There agents have even physically threaten me and I will quote to you exactlly the threat that was told to me 3 times in one telephone conversation "I'LL RIP YOUR EYE BALLS FROM YOUR HEAD AND WASH YOUR MOUTH OUT WITH SOAP".

So with this being said I will state that the nasty word "ARBITRATION" does not apply to me at all and even after a letter sent to there corporate office also to Tracy Young (CEO) of Titlemax, Inc and there attorney of record from another case the attorney represented Titlemax on demanding to cease and desist all direct contact to me or my brother and to direct all future communications to him (my attorney) until such time as this matter is fully and finally resolved.

It's pretty obvious that Titlemax has no intentions to adhear to my verbial request nor written request to stop. because they still continue to call so this tells me there intentions are not a mistake at all it's obvious in my view that it is with no doubt in my mind MALICIOUS INTENT.

I am awaiting the complaint to be finalized this week to be filed in state court and we will see if this practice the continue to engage in continues after this lidigation continues? Continue to watch for post on this matter as I will Keep you informed unless there is a settlement that has a confidentiality agreement in it and will not allow me to continue to discuss this matter but until that happens I will continue my actions of continueing to try to cease there ways they practice there collection tactics.
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#3 UPDATE EX-employee responds

You were late

AUTHOR: Briana Riche - (U.S.A.)

According to your statement you knew that you were past due and certian fees were due.(Good to see someone actually read their contract) Titlemax had the right to not accept the payment due to it was not enough to pay all cost, and your pawn expired. Once it went past due they could pick it up any time. This is not a loan but a 30 day pawn. After 30 days they have the right to ask for it to be paid in full if not paid on time.

As for calling you and your family they were trying to collect the money without haveing to repo it, but was left with no choice. You can hire a lawyer but he will no be able to do everything. All pawn are monitored by the state auditors as repo are. The laws are followed very closely due to this.
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