I took out a $2,607.90 loan on October 17th, 2018 from TitleMax and "qualified" for the loan using my son's SSI and a screenshot from my phone as proof of side gig pay totalling approximately $900 a month in income. I made my first payment of $380 to them on November 17th via the app. Four days later on the 21st, I paid an additional $36 at the branch in order to qualify for a "refi" of an additional $1,500 which bumped my payments up from about $300 to $453.78, with rates at:

Monthly: 10.9900%,
Annual: * 131.6600% (dark grey box),
Total loan amount: $4,107.90.

* The rest of the loan documentation states a different, slightly higher Annual Rate of 131.8800%.

There was a $75 admin fee that was emphasized, verbally and specifically that the loan documents won't state the fee, but it MUST be added and paid with each first payment due. ($75 for original loan, $75 for the "refi" totaling $150 in fees.)

In regards to the "refi".

If Titlemax can go back and look at the times from the branch on November 21st, they will see that my account was accessed at two separate times during the day:

1. Between 12pm and 1:30pm
I stopped in to inquire about the possibility of borrowing more, which they said of course I was, but needed to pay $36.00 in interest accrued from my last payment to bring my account current.

2. At around 5:20pm
I came back in to pay the $36 to get the refi, at which time I expressed doubt in even getting it anymore because of the payment increase. They convinced me to get it anyway.

I never received any paper loan documentation after each signing. I found TitleMax docs via a google search on July 8th and was given login information after calling the branch. The envelope history of docusign.net shows me logging in for the first time that day, which was 3 days after my car was repossessed. There is no documentation of my original loan that I am able to access there nor am I able to access any payment information prior to the refi on November 21st via the app.

I was constantly harassed with calls at the same time twice per day from the branch phone number but it was a robocall from corporate telling me to contact the office to pay. The staff also made calls from various numbers twice, maybe more times per day on top of that. The anxiety of the constant calling, worrying and going deeper and deeper into debt took its toll and I shut down.

My issues are:

1. TitleMax Wilson Way gave me a loan when I showed proof of insufficient income or ability to repay.

2. There was a credit inquiry or soft check to my credit at the time I took out the original loan, even though they advertise they do not. It states on the website in fine print that they do. I was approved even though LoanMart had reported a loan default from back in 2015 to my report. I just found this out recently.

3. According to TitleMax's website, they will refinance title loans from other companies, as long as the principal of the loan is paid down by 20%. They authorized a "refi" to me against their own policy by issuing it to me a month after I took out the original loan and nowhere near being paid down that much.

4. I was given a loan/refi without receiving any paperwork or having login credentials to access my loan documents.

TitleMax has caused a tremendous amount of serious detrimental harm to me, not only once, but twice and I want them to be held accountable. They should have denied me a loan from the beginning and never, ever should have authorized a refinance on top of that. I believe I have been wronged, taken advantaged of and consider myself a victim to TitleMax's predatory lending tactics. This never should have happened. I am not a dumb person, but I am 100% financially illiterate. In no way was any of the loan terms explained to me in a way that I could understand.

TitleMax ripped me and my son of our freedom. They "bought" my 2017 TOYOTA COROLLA for $4,100. My dad bought me the car as a gift. The last day to redeem my car was August 4th. It was repossessed with my mama's ashes in the trunk. Not only did the repo agent threaten me by involving the police, I never received a written inventory of my belongings in the car afterwards.

Update August 12:
I found the GM's TitleMax business card from when I got the loan in my wallet. The back of the card has instructions on how to access loan documents and will show that I wasn't provided anything. It was left blank.

Update August 20:
I received a phone call from 916-xxx-xxxx on August 19 at 3:12pm from a gentleman claiming to be the district manager for Titlemax. I discovered he called me from his personal cell. The phone call started with the individual saying he held onto my car and still has it. He then proceeded to ask me what I wanted. I started stuttering, I was very taken back by the call and said I want my car back and asked him what I needed to do. The remainder of the 10 minute phone call was him trying to get me to pay him to get my car back. It started out at $5407.66 right then, then $2602.80 by next Monday because another payment of interest will be added. I kept repeating that I could only pay $800 next monday. (the whole SSI check I receive for my son, that is when my direct deposit is scheduled to hit) It went down to $2149.02, then $1700. His final offer was that I needed to get "pay $500 today" and $800 by next Monday and I can have my car back, other than that, he would have to sell my car. I couldn't come up with the $500 and i broke down in a full on panic attack that my autistic son witnessed and sent him into meltdown mode. If my neighbor didn't hear us and intervene, I don't know what would have happened. Mind you, the last day I legally had to redeem was August 4th. I can't understand why the district manager did that to me. This last update has taken me all night to write. This all never, EVER should have happened