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This was by far the worst experience that I have ever had with a company. We went in sometime at the beginning of the year of 2008 to get a car title loan to help pay some bills.

The individual who we spoke with took all of our information and gave us the loan with no problem. Well, we ended up having to move because of circumstances at our apartments. We called Texas Car Title & Payday Loan services inc in Carrollton, TX to update our phone number since we had moved. Several months later they came and got our car at 2:00 AM.

We called the next day and they "said" that Texas Car Title and Payday loan services inc. had called us and left numerous messages. We asked the individual what the number was, and it was not our number. This is why we had NOT received the messages.

We were told that we had 15 days to get the money to them, or we would lose the car. We took the money into Texas Car Title and Payday loan services inc. to pay off the loan and get our car title back as well as the car. Now all of a sudden, the idiots working their didn't have our title and, unlike what the gentlemen said who towed the car, was not stored their on-site.

They told us that the Car was at an Auction house all the way in Irving, TX. Which was only about 20 min. away, but, conviently, the Auction house was to close in 3 min. So, now here we are, just paid off the Texas Car Title and Payday loan and couldn't get our car or title.

We live in Greenville, which is about 50 miles from Dallas, so it was a few more miles to get to Carrollton. We then went the next day to the Auction house to pick up our car, and were told that we were suppossed to have an appointment. Oh, did I mention, the guys at Texas Car Title & Payday Loan Services inc. in Carrollton,TX did not know the hours of the Auction house or any information about getting our car.

So, we were not informed that we had to have an appointment to pick up OUR car, after paying the Title Loan off. So, we get to the Auction house, and the lady says that she'll have to see if "Texas Car Title & Payday Loan Services inc. faxed the correct paper. Because SHE said that we were suppossed to make an appointment to pick up the car and asked if we were told this.

We told her NO, and she just shook her head. She then went and looked to make sure that they had faxed the correct papers and released his car to us after we paid the storage fees. After getting the car back, we noticed that certain items were missing. We asked the Auction house if they would have removed the items, and they said NO.

We were told by the Auction house that wouldn't have just removed a few items, they would have removed everything if the car was going to Auction. So, we contacted Texas Car Title & Payday Loan services inc. Customer Service line the next day. We were told by them that they were not responsible, and to ask the Tow truck driver and the Auction house.

We already covered the Auction house, and called the Tow truck driver, who said he did not touch anything in the car. He said he left our car in the parking lot and left the key in the drop box. These two individuals should not have ever gone in our car for any reason. So, that's fine, whatever, Texas Car Title & Payday Loan services inc.

overall is corrupt as well as a bunch of thieves and liars. So, what I am trying to say to you is that if you need money to pay bills, DO NOT GO THROUGH "Texas Car Title & Payday Loan services inc.

They'll rip you off and *** around.

Location: Washington, District Of Columbia

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Guest

I got a loan for my car and it idk if too make the payment. The vehcle is not even worth the loan they did.

What happens if i do t pay the loan.

Guest

Come on people, if u dont pay, u know whats gonna happen. Dont say they never call me, u owe u should be the one calling.

Guest
reply icon Replying to comment of Guest-574285

texas title and loans is a rip off! for months they called me from their personal cell phones as if i knew who they were, and i didnt owe,so why would they be calling!

everything that the complaint listed is correct! they will come and get your car, at midnight,over $100 and by 1:00 the next day your car will already be at the auction!!!

its a good lick to be able to steal cars! you probably work for them jorge, kick rocks!

Guest
reply icon Replying to comment of Guest-574285

You work for these guys u owe you pay it should be you f with me i f with you. You better check out you state laws they have to try to contact by phone or mail befor they can repo anything you may have to spend a little extra money but you can bet these crocks

Guest

YEP THEIR CROOKS JUST LIKE PAYDAY LOANS AND ANY OTHER LOAN SHARK INFESTED STATE ...DO YOUR RESEARCH DONT JUST JUMP IN FEET FIRST ..IF YOU CAN TRY TO BORROW FROM FAMILY OR FRIENDS STAY AWAY FROM THESE CROOKS AND PAWN SHOPS ARE ANOTHER FORM OF RIP OFF ARTIST :x

Guest
reply icon Replying to comment of Guest-557713

Well, based on your post, you are a bright one. What exactly makes you think they are crooks?

They have a business...you made the CHOICE to receive a product from them and now they're crooks?

I believe that not all customer service is great but with this company, you receive a thorough contract and it is no one's fault but YOURS if you choose not to read it. Sorry for your luck but use your brain and stop blaming the world for your stupidity.

Guest

Responsible Consumer:

Go back and read the post. We did make payment arrangements and we abided by them, they fired the manager that we made arrangements with and then failed to notify us that they were changing the contract. Also, "Loyal Customer", they are not a good company and they don't help you in time of need, they take advantage of you. We all have our own opinions, I'm just listing what they did. You make your own opinion. We got the loan to PAY BILLS, not to buy clothes (which is not cothea), or shoes or frivilous stuff. Our needs come before our wants. So before you go judging me, get to know the real story.

Thank You,

Guest

if you have intentions on paying the loan off you want be upset with the comany! me personally they are Great company that helps you in real time of need.

not help.you buy cothea shoes or whatever and then you think you can run from your problems or let it go into collections. thats not hpw it work.

and its not there busy to know when they dp auctions thats not there.job. people get it together!!!!!

Guest
reply icon Replying to comment of Guest-555587

B.S. YOU WORK FOR THE COMPANY

Guest
reply icon Replying to comment of Guest-583079

And what if I do work for the company? What if any of the supporters on this page work for the company?

I understand what the contract says and I thoroughly explain it to people. Sorry if no one chooses to listen. I am tired of people, with this *** sense of entitlement, thinking that it is someone else's fault that they were suffering the consequences of delinquency. Such a sad, irresponsible world we live in.

I understand that not all employees of these type of places are honest. I, however, take pride in the fact that I am very honest and thorough with the customers. I still get blamed, on a frequent basis, when someone loses their vehicle. Will your electricity stay on if you don't pay the bill?

Nope. Will you be able to keep your house if you don't pay your mortgage? Nope. Those are the consequences of YOUR choices, no one else's.

That's all I'm saying. Stop hating the company because you had a run-in with a bad representative and stop getting mad because you don't pay your own bills.

Guest
reply icon Replying to comment of Guest-583079

I guess you should have paid your late fee then huh? Makes sense to me.

You don't pay the FULL balance..you lose your vehicle.

You have NO room to complain. You hit the nail on the head ..."THAT I OWED".

Guest

Let's be real folks...it is a very high rate that these companies are charging but guess what? YOU SIGNED THE CONTRACT AGREEING TO PAY FOR THIS!

You are all happy when you get your money and you don't have a care in the world about reading the long contract that you sign. If you read it, you would see that you are going to be charged a fee EVERY month that you borrow the money. Common sense people. It's NOT a regular loan and if you don't like it, pay your bills so you don't have to get yourself into the situation where you lose your car and complain about it later!!!

Everyone is so happy the day they walk out with money. Yay, I can rob Peter to pay Paul...hooray for me!! 30 days later, you have another bill due. You can't pay it.

Now all of a sudden someone else is to blame. Grow up and take responsibility for your actions!

Guest

These people need to learn to pay their bills!!! It's like Early Pay off said it's a short term loan!

They will work with you if you contact them! Don't just ignore them.

Guest

Hey loan shark, foolish n u fools shut up.u guys dnt knw ppl situations cus I'm dealing wit this TERRIBLE *** company right now n @ the time i borrowed the money i had no choice but to borrow the money or i wud be homeless now n i thought i wud b able to pay it BK in 30 days but Tht became impossible n this *** economy so i end up having to pay 400 a month 1100 n because I'm a single woman wit a *** job its hard to keep the payments up but over all this time if they add all the interest payments IV made IV payed my loan off twice now. .

.

Its a rip off :( & it has nothing to do wit paying ur bills *** its about struggling n trying to survive on a world Tht has corrupt laws Tht benefit business owners n not the consumer. U knw *** well Tht this *** ain't right n car title loans shud b band it

Guest

OMFG no one has commented on the Nigerian scammer. LMAO!

THAT is funny. :zzz

Guest

I worked for texas car title - umm the files are sent to austin when we first process the files - you should have had the title back in less than two months if you did you job right - but they don't give a *** they just want the money - and god forbid you train someone who becomes an area manager and gets you fired after screwing the repo guy in her office - i was fired for knowing to much and then when i went higher no one wanted to listen

Guest

Everybody that has complained about this company either fell behind on payments or just pay minimum amounts. These are SHORT TERM LOANS not installment loans so of course interest is high.

People quit blaming others for your own faults. Pay attention to what you're doing and never borrow money unless u know u can pay it back quickly.

I have never had a problem with the one i use. I am fortunate its there when i really need it.

Guest

If I didn't pay my electricity and didn't call or waited for them to call me guess what....I would expect for it to get turned off soon . Be adults.

Pay your bills. Let's not blame what we've gotten ourselves into.

Guest

It's a month to month contract. The sooner you pay it off the less fees you get charged.

If your hard up for money try fema or ask the government. Do not put you car up for THE MONEY if you can't pay.

Guest

I went to the Liberty Texas location and borrowed $2500 at a 25% interests. That's bull ***.....

I paid $800 a month for 6 monthes and then when I got my income tax return I went to pay it off and it still cost me $3200 to pay it off......

Don't use them...... And for all the people that say read your contract, I did and still have it, it doesn't say any thing about a $2500 loan costing $8000.....

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