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TitleMax, TitleBucks
Share of complaints that ended with money back
0.13%
Of the 761 complaints recorded against TMX Finance LLC in the CFPB database, 1 were closed with monetary relief. Read this as one figure from a public dataset, not a grade: it is not adjusted for how many customers or loans a company has, its product mix, complaint severity, or how each firm classifies its responses — so it should not be read as this lender treating people better or worse than another.
2 government actions we have matched to this company, by regulator and year. Each links to its primary source.
The CFPB found TitleMax violated the Military Lending Act by making title loans above the 36% military APR cap to servicemembers, and violated the Truth in Lending Act by charging for a product that understated the finance charge.
Read the CFPB source →The CFPB found TitleMax gave consumers misleading information about loan payment options and unlawfully disclosed information about consumers’ past-due debts to third parties — references, employers and neighbors — while collecting.
Read the CFPB source →Issue categories as selected by borrowers on the CFPB complaint form.
| Issue | Complaints | Share |
|---|---|---|
| Charged fees or interest you didn't expect | 266 | 35.0% |
| Struggling to pay your loan | 197 | 25.9% |
| Vehicle was repossessed or sold the vehicle | 113 | 14.8% |
| Problem with the payoff process at the end of the loan | 74 | 9.7% |
| Loan payment wasn't credited to your account | 31 | 4.1% |
| Can't contact lender or servicer | 28 | 3.7% |
The outcome the CFPB recorded for each complaint after the company responded.
| Outcome | Complaints | Share |
|---|---|---|
| Closed with explanation The company stated its position; nothing changed for the borrower. | 753 | 98.9% |
| Closed with non-monetary relief A non-cash fix (e.g. a correction or a stopped practice). | 4 | 0.5% |
| Closed Closed with no category recorded. | 3 | 0.4% |
| Closed with monetary relief Money was returned. | 1 | 0.1% |
You can withdraw permission for any company to debit your account, and instruct your bank to block the payment. Neither step needs the lender’s agreement, and neither depends on whether you still owe the money.
Top states by complaint volume. Each links to that state’s law page.
| State | Complaints |
|---|---|
| Georgia | 158 |
| Texas | 142 |
| Florida | 58 |
| South Carolina | 52 |
| Tennessee | 49 |
| Arizona | 44 |
| California | 40 |
| Missouri | 40 |
Verbatim from complaints filed against TMX Finance LLC in the CFPB database. XX and XXXX are the Bureau’s own redactions of personal details. These are allegations by borrowers, published by the CFPB — not findings, and not necessarily accepted by the company.
On XX/XX/2023 at approximately XXXX XXXX one person from titlemax conspired with one person from XXXX XXXXXXXX XXXX XXXX to illegally trespass on my private property to steal my property. I was never given full disclosure of this consumer credit transaction/ Security Agreement which makes the contract and anything agreed to null and…Vehicle was repossessed or sold the vehicle · complaint filed 2024-01-07
Title Max did not disclose the full contact.his Contact contains Arbitration clauses. On XXXX XXXX, XXXX, the President signed a joint resolution passed by Congress disapproving the Agreements Rule under the Congressional Review Act ( CRA ). Pursuant to the joint resolution, the Arbitration Agreements Rule has no force or effect. On XXXX…Charged fees or interest you didn't expect · complaint filed 2024-01-04
I was denied the loan. Said that I was a covered borrower. I have several in the XXXX XXXX XXXX, from XXXX, to XXXX. I have never seen war time, never XXXX XXXX, or fit any of the descriptions, that would disqualify me for a title loan at TitleMax. I have never had this happened. I am not a covered borrower by any military affiliate, or…Incorrect information on your report · complaint filed 2023-12-29
More complaints does not mean worse. A company serving millions of borrowers will collect more complaints than one serving thousands, whatever the quality of either. That is why the headline figure is a rate — the share of complaints that end with money back — not a count. The rate already adjusts for how many people complained.
A complaint is also an allegation, not a finding. The CFPB does not verify what borrowers write, and neither do we.
The complaint counts, resolution outcomes, issue and state breakdowns on this page come straight from the CFPB Consumer Complaint Database (a public federal dataset of 15,188,499 complaints filed since 2011; retrieved 3 August 2026) and refresh from that API — no editorial judgement is applied to those numbers. The regulatory-action, rent-a-bank and SEC-filing sections, the lender’s classification and description, and the company-name matching are researched and reviewed by hand, and dated where shown.
Complaints are published after the company responds or after 15 days, whichever comes first. The CFPB does not verify borrowers’ accounts, and a complaint is not a finding of wrongdoing. The database is not a statistical sample of all customer experience. Search the full database →
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