Auto Loans LLC Ez loan look up, Car loans LLC, Sovereign Lending Solutions, Title Loan America Fraud,disceptive,rude,unethical usuary practices,money hungry,predatory practices Cook island,nevada,florida several citys

I received a loan from Auto Loans LLC in August of 2014.  I started my loan process with a company called ezloanlookup.com.  This is apparently the company (search engine) Auto loans llc is hiding under.  I confirmed that today by calling the 800 number listed on the website.  I was immediately helped by a customer service agent who answered the phone Auto Loans LLC.  I said what business is this? He sated this was auto loans LLC and they where a title loan company. 

This is where my problem comes in(one of many).  I signed up with a company that advertised themselves as a title loan company.  I was given a link to sign my contract and even saved it so when I was done I could print it for my records.  To my surprise I could not get back into the link and was given a message to contact the company if I had a question. Since my link and all my communication up to the point was from a customer care rep named Benjamin from ez loan look up. I sent him a message asking to give me a copy of my contract. Then I started to get emails from a company called Auto loans llc, which I guess was now handling my loan.

After 7 months of paying Auto loans llc every month $336.60 I finally received a copy of my contract.  It was practically unreadable with funny little boxes behind most of my information.  It also, now included a balloon payment that I know was not on my original paperwork.  Also, it stated it was a Pawn Loan.  At no time on their website or the by their customer service rep was the words Pawn stated.  I even have emails from both ez loanlook up and Auto Loan LLC that state congratulations on your title loan.  This, I believe is false advertisement both on their website and verbally by their representatives.

Also, on the website of Ez loan look up they stated that they were a third party company and do not give out loans. That they would provide you with a company who offers fair interest rates and fair loan terms.  I do not believe that 247.23% with an over $2,000 balloon payment due after I pay over $4,000 in interest  is fair in anyway.  This website directly takes you to Auto loans llc, no other partners as they claim. Auto loans llc does have several addresses but, still the same company.

I did a little research in the past few day and have learned that title loans are illegal in the state I live in. They use the word pawn to skirt the individual laws in the state where title loans are illegal.  I did not realize that Auto Loan llc look up and ez loan were a licensed Pawnbroker.

The loan was suppose to be for a year with my interest and payment to be divided equally of the that year.  I have made every month payment except my 5/24/15 payment when I ran into a little financial difficulty.  I talked to two reps on 6/5 and 6/6 and asked to have until Monday 6/8. Both reps stated that I could call them back Monday.  On Sunday morning 6/7 at 12:23 am. I received an email from Auto Loans LLC stating I was 14 days behind and I needed to call the their office to get this taken care of.  It also, stated that if I already took care of this they thanked me.

First, contacting a customer by any form of communication in the middle of the night is unethical; as to I do not read my email then.  Within a few hours of the email my car was repossessed.  So the bottom of the email said if you have taken care of this we thank you. They were not even sure if I had taken care of my payment or not yet they repossessed my car anyway. 

I called the company that morning to talk to someone and I was told that nobody could help me due to that department was closed on Sunday.  I asked to speak to a manager and at first was told there was not one.  When I questioned that the customer serves reps were not supervised? I was then told that there was on but they would not speak to me and could not help me or answer any of my questions.  This is not the first time I have had problems with management. I have been hung up on as well and belittled.

I have still not heard anything from Auto Loan LLC about my car or how long I have anything to pay.  How much?  So I finally called them to get the Information on how I could get my personal belongings back.  I was then told a I owed $3,447.  I asked if I could get a copy of what the extra charges are for and was told no.  She could verbally tell me but would not give me any evidence to it.  She stated that because this was a pawn loan they didn't have to follow any particle laws. They will not tell me what is going to happen to my car or how long I have to get payment in.

This company has mislead me over and over that I’m afraid they will sell it and tell me they received a lot less for my car than they really did to gain more money.  This company is unethical, money hungry and should be looked in for its deceptive practices. They have my car, my $2,700 for a $1,600 loan. I have payed back the $1,600 I borrowed plus 70% in interest. Enough is enough!  I want my car and title back and be done.