Complaint Review: TitleMax of Oak Ridge TN - Oak Ridge Tennessee

After Being Homeless for a year in Florida and having to move back to TN, I went back to TitleMax to get some help.  Since I had had loans with them before and never had any issues, I went in assured that I was not going to have any problems.  It has since been a year and I technically am still homeless, struggling to pay my car, and after almost two years, have finally landed a server job.  Well, on June 13th, I received a call from the office Manager  (Tasha), who told me that she was extremely flustered with Me because I had not been in touch and needed over $700 in her office that day or there was nothing she could do about My account because she no longer had possession of it.  I told her that I had nothing left to sell, because I had already gotten rid of every single thing I had of any monetary level, and that I had literally started working my new Job, on the 13th, and asked her "If you don't have control or possession of my account anymore then....then who can I call, or what is the name of the person or office that does have control of my account.  Her answer was that there was no one higher up to talk to, and that she needed payment.  I just simply replied that I didn't know what else to tell her because I was doing everything I could, by keeping in contact with their office.

I told her that she was Very wrong about My keeping in contact because I had a written call log of every single incoming and outgoing call between May 13th, and June 13th, and asked why no one is communicating in their office.  I even advised her that I had given an alternate number for them to reach me and leave a voicemail in case my phone had been shut off.  Every time they called and left a message, I returned their call.  At the end of this conversation, I advised her that I would need until Monday to see if I could get some money together.  She then told me that she could not guarantee that My car would not be taken over the weekend.  I said, "That's fine"  and hung up.  

Monday, June 16th came along and they called me, but I missed the call at approximately 6pm.  At 6:12pm I called them back and someone picked up and hung up on me, so at 6:14pm, I called back again, and got the voicemail.  I left a message, and advised that I still needed details on a point of contact or business office who had control of my account and that they could reach Me on Tuesday, June 17th to give me that information.  Tuesday, June 17th, I received a call from one of the customer service representatives who asked me what was going on, and I explained that I had spoken to Tasha, the office Manager on Friday and requested said information on who had control of my account, and explained that By Law, if I request this information, they are required to give it to me. She interrupted Me and said, "say that again?"  So I repeated, that By Law she had to give me the information I requested.  She then interrupted me again asking me to hold and put Tasha on the phone.  I then repeated to Tasha that I still needed information on who had my account, and then all of sudden, She COMPLETELY did a Different Song and Dance and said "well, we actually still have your account in our office."  I cut her short and said "WHOAH!"  "WHY did you tell Me that You no longer have my account, then?"  She then told me "Well, You have to understand that My boss looks at this account and so does his Boss."  I then Replied, "AND YOU have to understand that I am doing everything you have asked me to do by keeping in touch, and if you take my car away from me, you are taking my ability to work, and to pay you off."  I told her that I had offered to give her Every single name of every single place I had been to applying for jobs, the interviews and the names of the managers I interviewed with, and I have NO support system at all.  I had to borrow money from friends for gas just so I could go looking for work which is a FULL TIME JOB."  I told her also that I was not making over 50k a year or making bonuses off the company, like she was.  She asked me "Well, how long will it be before you can make a payment?"  I told her "well, given that I just started my job the business day before, I would need at least 30 days to get caught up."  

She then said that was too long, so I replied that I didn't know what else to tell her.  I asked her again to allow me a couple of days to see if I could utilize another resource for paying on the car.  I agreed to follow up with her the next day.  I then got to thinking about everything and came to the conclusion that I had been bribed and Lied to by the Oak Ridge office, so I called Titlemax customer service and explained this whole story, and asked to speak with a District Manager or someone higher up so that I could physically speak with them and explain everything that had been going on.  I received a call back from the Regional Manager, Shawn and asked why I was told one thing and then when I advised that they had to give me info by Law if I requested it, why then did they then tell me that they still had my account in their office?  The answer I got was that the office Managers are required to use certain verbage in order to try and hurry a resolution, which leads to uneccessary duress on the customer's part and that is illegal.  I then advised him that My Service Rep in the Oak Ridge office Originally told me that My account could not go more than 60 days past due according to TN state law, but that their internal system runs off of every 30 days.  I also advised that the service rep told me that if I could help find another customer they had been trying to track down for over a year, that they would work extensively with me, on my account, in return for My help.  I take this as a Bribe.  ILLEGAL.    

The Regional advised that He would address the issue internally, and I then requested the exact amount of what I owe on the account and was told the amount was only $380.00 and not 760.  Neither of my two accounts was 60 days past due either.  I know technically the car can be seized after 30 days based on the company's own lending policies, but this is something again, that they should not have advised if it was wrong.  I would like to follow up with someone on this, but don't know what path to take on representation.  As of today, I still have a balance pending with them and I have to call them every single day to keep telling them the same s**t over and over again.  Any suggestions?  All guidance is welcome.