Tower Loan of Mississippi, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/19/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	LA 711XX	Web
TOWER LOAN PREDATORY LENDERS I received a {$1200.00} check in the mail from Tower Loan. I cashed the check & in doing so I agreed to pay the money back as a loan in monthly installments. On the back of the check ( in fine print ) it clearly states no insurance policys could be added to this loan. ( I still have the check as proof ). This was not my first encounter with Tower Loan mailing me checks. In the past I had accepted & cashed checks sent from them. I always paid on time & in full until the loans were satisfied. But this time was different. Before my first payment was due Tower Loan called stating I was approved for {$500.00} more. She said, Just stop by & sign for it & they'll just add it to the original loan. I didnt think much of it. I went up there- & signed for the additional {$500.00}. I failed to realize what actually transpired that day. Actually it was many months later before I realized what they had done! First of all, they lied & produced a receipt which stated I paid off the original {$1200.00} loan in full- although I had not made the first payment yet! Instead of adding {$500.00} to my original {$1200.00} loan like we agreed -they completely rewrote the loan. Unbeknown to me they added {$180.00} Accidental Death & Dismemberment Insurance, {$120.00} Credit Life Insurance, {$130.00} Credit Disability Insurance, and {$230.00} Credit Property Insurance. Remember the check I cashed stated no insurance could be added to this loan. The insurance papers do NOT have my signature on them because I would NEVER in a million years pay for all that insurance on this little loan. Thats insane! Who would ever agree to pay an extra {$680.00} in insurance on a {$1200.00} loan? Dismemberment Insurance? Are you serious? They added insurance stating the loan would be paid even if my arm or leg got cut off? Well theyve definitely charged an arm & a leg! When when I called Tower Loan regarding payoff-The rude manager stated I owed them {$4300.00}. I told him there's no way thats even possible. I only borrowed {$1700.00}! The manager was very rude-he was adamant stating I owed {$4300.00} & I would pay the {$4300.00}. I told him I would pay what I owed but I didnt owe Tower loan {$4300.00}! I told him to do whatever but I would NOT be paying Tower Loan {$4300.00}. Well next thing I know-there was a sheriff at my door serving me with a subpoena to appear in court. Tower Loan sued me. They brought 4-5 corporate attorneys to court & of course they succeeded in getting a judgment against me. I attempted to negotiate with Tower Loan to pay what I actually borrowed but they refused demanding the entire amount in full! Ive been a small business owner since XXXX XXXX almost 10 yrs. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX My business is licensed & insured & and maintained an A+ rating with the XXXX XXXX XXXX the entire time I was a member. My credit score is over XXXX. My credit report clearly states 100 % on time payments. I have over XXXX credit cards. I pay my bills! Im ready to buy a home now. But while attempting to begin the application with a loan officer for a mortgage this judgment came up. I was informed that after XXXX yrs of overcoming every obstacle you can imagine & working as hard as I could -I am unable to achieve the American dream of homeownership thanks to Tower Loans judgment against me. The loan officer brought it to my attn on my credit report it states the loan was " charged off '' yet they theyre still harassing me. And about 8 months ago for the fourth time-a sheriff was beating on my door at XXXX to serve me once again with another subpoena for Motion to Examine Judgment Debtor stating they wanted a judge to allow them to come seize my assets. At court-the judge forced me to surrender all my bank statements for the last 3 years. Tower Loan has garnished my checking account. They have garnished my bank account! They performed hard inquiries every month further damaging my credit, yet my score is still over XXXX even with their judgment, and hard inquiries. Tower Loan is a predatory Lender! I have every piece of correspondence from Tower Loan proving every word Ive stated. Over a little $ XXXX {$1700.00} loan, these people have ruined my life! They've prevented me from the ability to purchase a home, Ive had to pay much higher interest rates to have any credit, including higher interest on all my credit cards & my car loans. I can't even use my own bank account because they will take my money! Enough is enough. I don't have a problem paying what I borrowed. But I refuse to allow them to bully me anymore! These people need to be stopped. Their own attorney stated to me personally that " Tower Loan isn't gon na stop until someone sue 's them & makes them stop! I am ready to for Tower Loan to pay for the tears Ive cried, opportunities Ive lost, the rent Ive had to pay & high interest Ive been forced to pay due to their predatory lending practices! What they are doing is wrong! Its time someone does something about it! Ive worked too hard for Tower Loan to prevent me from even owning a home or enjoying the fruits of my labor!
01/03/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	AL XXXXX	Web	Servicemember
Please, don't do business with Tower Loans. If you value your money, credit score, and time get a loan offer through XXXX online or another reputable company. The people ( especially the manager at XXXX XXXX branch in XXXX, AL ) running the Tower Loan locations are rude, unprofessional, uncaring, liars, power hungry, deceitful, and opportunistic. It's a never ending saga with Tower Loans even after my loan was paid in full in less than 90 days. The manager at the XXXX XXXX location in XXXX, AL reported to the credit report that I borrowed {$8000.00} but I only borrowed {$2500.00}. He, also, wanted me to put my car ; which is paid in full, up for collateral and I've never had to do that before. Because of the above reasons and more, I decided to take my business elsewhere... specifically, XXXX, XXXX XXXX, XXXX, and XXXX. It, then, turned ugly at Tower Loans. There is a reason that Tower Loan has a D- score with the XXXX XXXX XXXX and isn't accredited at the XXXX XXXX XXXX XXXX There is, also, a reason why the Tower Loan at XXXX XXXX XXXX, XXXX, AL has a XXXX score locally. Tower loan corporate office response to my review on the XXXX XXXX XXXX XXXX XXXX XXXX wasn't know objective but subjective and they weren't there... and as if I'm not telling the truth. Tower Loans main website may say that it has a XXXX score ; but that hasn't been my experience and apparently many others. All the reviewers can't be lying. Maybe someone from corporate should visit to find out why or is it the culture at Tower Loan to try to take advantage of people when you think they are vulnerable, have fallen upon hard times, and during the holiday season? Of course, corporate would say that it's not documented that I inquired about the pay-off and my credit report... they work for Tower Loans, and really that's another negative reflection on their company. Documentation is important to good customer service. Numerous times over the short period I had an account with Tower Loans, the employees tried to push another loan upon me and wondered why I declined. As it neared XXXX, I told them I'll look into it and applied online. If they had told me up front that I had to put my car up as collateral, I would have declined without a hit to my credit report. I told the employees, and I overheard them tell the manager several times that I have never had to use my car as collateral. While 1 or 2 days passed, I asked to speak with the manager, but he would never come to the phone. He continued to have employees relay messages to me and insisted that I put my car up for collateral and they even stated that they would get the title from the XXXX for me. I took my business elsewhere. As I applied at another company, the representative stated that my credit report shows that I had just opened a loan account with Tower Loan in the amount of {$8000.00}. I called the XXXX XXXX location and told them what happened and asked how long it will take to remove it. As usual, the employees relayed a message from the manager whom I could hear sometimes rudely exclaiming his response in the background. I had to call 2 or 3 times to get that fixed. The manager at the XXXX XXXX location in XXXX, AL and other employees didn't want to take my final payment of about {$2100.00}. I had to call about 4 times and they charged me maybe {$200.00} more than I owed. The manager at the XXXX XXXX location in XXXX, AL is playing games and won't update my credit report account to reflect paid on time x 3 months, and paid in full. I filed a dispute with the credit bureaus and Tower Loans still haven't updated my credit report... it still states that I owe Tower Loans about {$2100.00}, it doesn't show months paid on time, and the account is still open and active. Even though the Tower Loans manager was trying to negatively effect my credit report, I was still approved for a new credit card through XXXX, a loan for more than 2 times, and a loan for 7 times what Tower Loans tried to offer me and I didn't have to put my car up for collateral and the interest rate is less than half of what the manager at Tower Loans at the XXXX XXXX location in XXXX, AL wanted to charge me. As far as my credit report is concerned, my Tower Loan account, lacks information and isn't accurate. I thought going to a small town and local business would be best but Tower Loans proved me wrong. I have information to support this statement, but for security purposes, it's not included. If Tower Loans headquarters want the information, I'll gladly provide it. People out there, don't let loan sharks take advantage of you during hard times or during the holidays. Please, do your due diligence and maybe check out the companies I listed above or other reputable companies. Thank you, God bless you, and XXXX XXXX XXXX!
03/04/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 70126	Web
I opened a personal loan with XXXX XXXX ( XXXX ) (XX/XX/XXXX ), who then sold the account to Tower loan ( unsure when they received the loan ). The loan was not in default with XXXX XXXX. I always paid the full amount due even if it were a few days behind. I never had an issue with debt with XXXX. In XX/XX/XXXX, me and my husband, became behind on the loan payment because both my husband and I became ill ( he having XXXX XXXX and me having a XXXX XXXX ). Unfortunately, we were unable to make a timely payment due to medial conditions. This is when I learned of Tower Loan. I received no notification that Tower loan had taken over the account until I became behind when sick. So, when I did get a few dollars to pay on my account this is when calls began because to tower loan the payments made were not a sufficient amount and on top of this they increased my interest and payments. Something I had no knowledge of. I explained to Tower loan my economic hardship, by letting them know this new amount was not agreed on and that I could not afford, but they didn't care. They wanted money. I remembered I had a loan insurance, so I asked about the insurance I had on the loan and if I could use it to catch up on payments. I was told yes and was given forms by the customer service rep who remains unknown. She is no longer working there. I was told the forms had to be filled out by a physician. I gave the forms to the XXXX XXXX, XXXX XXXX, who worked with XXXX XXXX XXXX ( PCP ), but at the time he was convicted of medicaid fraud and could no longer practice medicine, which is why I think the first set of forms were misplaced. I went back to tower loans and received a 2nd set of blank insurance claim forms, but still have yet to get them from XXXX XXXX. He is no longer in an office. I now see XXXX XXXX, XXXX, who worked with XXXX XXXX. I gave the forms to her, and at this moment I am still trying to get her to fill out the insurance claim forms. I don't think she want to fill them out because I was a patient of XXXX XXXX. She is also requesting {$25.00} to fill out the forms. But, while in this process dealing with getting forms filled out and approved, I have been 200 % harassed by tower loan. Here are incidents as follows ; 1. Frequently visited my home asking for payments 2. Visited the hospital while I was an inpatient to seek a {$6.00} payment 3. Left a voicemail stating he was my mother ( who is deceased which is my grandmother ) stating they are seeking payment. 4. I have filed a restraining order on XXXX @ Tower Loan. He is not longer able to visit my house. 5. Branch Manager of tower loan is now visiting the house. 6. Threatened of Wage Garnishment Due to all that happened, I filed a restraining order, and I was served a civil law suit by Tower loan 's lawyer. In court ( which was ruled in a hallway and papers were signed ) we ( me and my husband ) received a payment extension and agreed to pay {$260.00} ( my husbands loan ) and {$160.00} ( my loan ). Since court all payments have not been missed and paid on time. I was not given a set date to make a payment as long as the payment is made by the end of the month. The original payment date with XXXX XXXX was due on 1 loan which was XXXX of the month. The 2nd loan was due the XXXX of the month. Now I am being told that I need to make another extension by tower loan prior to the arrangement made in court and once again. The 1st arrangement they said has expired. Today, Monday, XX/XX/XXXX, I went in to Tower loan to make a payment. I gave them {$400.00} for my husbands loan ( {$250.00} loan mentioned above ) and {$200.00} for my loan ( {$160.00} loan mentioned above. I gave a cash payment to the cashier totaling {$600.00}, ( they only take cash, check, or money order ) to pay on the accounts respectively of what I mentioned above, and she felt the need to take out of the {$200.00} payment, {$50.00} and apply it to the {$400.00} cash payment for my husbands loan. When I said that this is not how I wanted the account to be paid, I was told that " Louisiana is a community property state and that she has the right to take money from one account and apply it toward another account '' " Then she proceeded to confirm that we were married, by asking, but the payment was already made. So, what if we were not married I asked? With no answer relative to us being married, she told me that the money could not be reversed. And I quote. This is what she told me. I am very upset with Tower Loan. I have been experiencing XXXX XXXX, XXXX, and XXXX behind this matter. And I have now have to have another XXXX related XXXX XXXX. I can't bleeding for worrying. Pleeeeeeaaaaasssseee Help US!!!!!!!!!!!
10/14/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	AL 357XX	Web	Older American, Servicemember
I got a loan for a little over {$5000.00} dollars from Tower Loans, located in XXXX XXXX, XXXX at a interest rate of over 40 percent, on XX/XX/2022. The person doing the loan was new and was asking her supervisor, who I later found out was the manager of the branch, questions about the loan. They asked what kind of cars I had, what type of tractors I owned, what type of chainsaws I had etc. I have had several loans with this company in the past and never had to answer these questions before. The manager was busy helping her with the paperwork and didnt speak with me much or not at all. A few days later I got a check in the mail from Tower Loans for 29 XXXX a lot lower interest rate, and for a little more then {$6000.00}. So I deposited the check in my bank account waited several days for it to clear, since I didnt hear anything else back from Tower Loans, I decided to pay the first loan, higher interest rate one, down to a {$1000.00} and used the remainder of the money to pay ahead some other bills. Today XX/XX/2022, I discovered that Tower Loans took back the {$6000.00} out of my bank, without even notifying me why. I called the Manager of the XXXX XXXX Tower Loans, who told me that she had notified me at closing that I would be receiving a check for a different amount and interest rate and to tear it up. She never told me that she was to busy helping her new loan officer. Only a fool would of turned down a interest rate that was 10 % lower. I was later contacted by her supervisor, XXXX XXXX, the regional manager for tower loans. I told him that the branch manager at XXXX XXXX told me that she told me I would be receiving a check in the mail for more money at a lower rate. He told me he understood and agreed that someone would not turn down more money at a much lower rate. I requested that the {$6000.00} be returned to my account and any XXXX be paid by them, he told me that the most he could do was cancel the XXXX and return the {$4000.00} to my account. After talking to XXXX XXXX, I contacted the corporate headquarters for Tower Loans at XXXX, XXXX XXXX talked to a receptionist and explained the situation to her and that I had already talked to XXXX he couldnt satisfy my complaint. She told me they would have a HQ supervisor contact me this morning. After not hearing from them by the afternoon I contacted their corporate office again and was told that the receptionist called this morning and told that someone would get back to me and hadnt, she said that the other receptionist had called XXXX who told her that he had already talked to me, I told this receptionist that I told the other receptionist that I had already talked to XXXX and he couldnt help me, so why did she call him again? She apologized and said the other receptionist was new and that she would call XXXX XXXX supervisor. Shortly afterward got a call XXXX XXXX XXXX XXXX at Tower Loan, XXXX XXXX told me that he talked to both XXXX and the XXXX XXXX, Office Manager and she basically said I was lying and that she did tell me I was going to get a check in the mail for more more money at a lower interest rate and to tear it up. He offered to void my loan or to get me another loan from them at a higher rate then the 29 %. I told him I expected him to honor the 29 % loan at {$6000.00} and I would pay off the {$5000.00} loan at 40 something percent and cover the NSF charges. He refused saying it sounds like you have buyers regret, he also said he believed his office manager. I asked for his bosses contact info, he said his boss was the President of the company and he didnt need to hear my complaint. I informed him that I will be contacting XXXX and local media. After I receive resolution from you and if it isnt satisfactory I will them contact the media and tell them what happened. Seems to me they are running a racket to have people pay higher interest rates. My request was fair. You dont give a person a loan at a higher interest rate knowing you had a offer in the works for him to have a loan at a better interest rate. You dont let the check clear before you withdraw it back without warning or talking to the person. If they were to tell me they were going to take the money back I would of not paid off the other bills. This company sounds very much like a loan shark business.
11/16/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AL 365XX	Web
Hello, I'm writing a letter of concern with the communication I had with Tower Loan ( in particular the branch manager which I only know as " XXXX '' ). The communication began on XX/XX/XXXX at XXXX cst with a representative named " XXXX ( or XXXX ) it was in regards to a missed payment on the XXXX ( the due date is on the XXXX of each month, but you're giving a 9 day grace period- so since the first initial payment on XX/XX/XXXX, I've paid on time for a year and currently as of XXXX this is the first time being past due on this loan ). So I apologize for not paying the amount on the due date ( XXXX ), I explain the reason why I missed the payment and I tell her to be assured that a payment will reappear in XXXX and I'll just pay the past due balance and the next month fee. She speaks to me in a " bemoaning '' fashion as if she's annoyed by my response, I pick up on the tone and remind her that she doesn't need to attempt to harass me for any reason and that again, I will make the payment when the next month rolls around. She kept referring to me by my first name instead of last and I took exception. She hangs up when I mention not to call me again. I forward a call back to tower loan at XXXX XXXX cst and spoke to a " XXXX '' I mentioned to her for the other representative ( XXXX ) to show me respect and for no one there to constantly call me if a missed payment occurs because of the consistency in my payment history and I will communicate if there's a issue. At XXXX cst I received another call from tower loan ; it was from the branch manager ( he told me XXXX but wasn't given a last name ). He ask what's the situation and I explained and I told him I would make a payment on/by XX/XX/XXXX. Now even though I'm only 11 days past due ( and if technical then 20 days ) XXXX tells me that he will have to forward my account as " delinquent '' if a payment isn't made by XX/XX/XXXX. Now that's a bully tactic and that's a big no-no And not near 30 days past due. So the response wasn't applicable. From that point XXXX displayed a " juvenile '' mental frame. From there I simply told XXXX to not call me again since that was his response to the matter, he declines my request and states that " he can keep calling because I owe him money ''. Then it's because ", he's trying to help me and doesn't want to take the matter to court '' I tell simply tell XXXX to do what he see 's fit because I'm not paying on the premise that my credit will be falsified because of it being pinged as deliquent and it's not even 30 days past due ( and it's suppose to be XXXX days before that's a option ). So that can be relegated as deceptive practice, underhanded business tactics, distortion of credit score via false statements by XXXX Loan So XXXX called me again at XXXX and stated " I think we got disconnected '' and I told him I hung because we're at a impass and you're ignoring my request to not call me when I already express the situation and resolution ( which was declined and met with threatening language as per legal action and credit modification ). I then tell XXXX to not call again and disconnect the communication. At XXXX XXXX called again .... At that point I reiterate to XXXX his position and the advantage of my position in pertainance to what he's doing in a short manner on this subject. I then him ( XXXX XXXX a tip on how spam call using burner numbers instead of just ignoring the ramifications and using the company line AFTER communication on the matter was already render A hour later I stated to get spam calls from burner numbers, lol. Again the payment is only XXXX past due and it's the XXXX time this situation has arose since payments started a year ago, so there's no sample size that conduces this response* * Because Alabama is a one consent state I record all communications. So I have the XXXX calls with XXXX from XX/XX/XXXX at XXXX, XXXX, and XXXX respectively. I also believe a hidden fee was tacked on in the loan amount {$680.00} in XXXX now it's XXXX so near {$400.00} was tacted on after my conversation with XXXX on XX/XX/XXXX *AUDITORY CONFIRMATION WILL NEED TO BE REGISTERED
03/29/2022	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	MS 39180	Web
We are victims of predatory lending and XXXX discrimination which has led to a wrongful foreclosure of our home. We were pushed and misled to enter into a high interest predatory loan by Tower Loan and were forced to provide a list of collateral of personal possessions that they could repossess if we defaulted on our loan. We were not aware of the fact that the title for our home which had been in my wife 's family for 50 years was the collateral -- why would they have us fill out that list if it was?? Also, their loan estimate lists the fees and payoffs and we should have netted $ XXXX from this loan but only received $ XXXX?? We were enticed into this loan under false pretenses and treated differently with additional conditions due to our race. When we began struggling with payments due to being laid off from my job Tower agents were condescending and aggressive in their language and tone and agents would come and beat on our door or just stand out in our front yard to intimidate us. We felt like we were dealing with the XXXX, not a licensed lender. We feel that we received this type of treatment because of our XXXX. My wife 's family has owned this property since XXXX and my wife XXXX took over the home in the XXXX 's and paid off the mortgage. In XXXX we needed to do some repairs and catch up on bills and began talking with Tower Loan. We did not understand that to borrow $ XXXX we would have to pay back $ XXXX, ( 118 % ) this was never fully explained to us. We did not understand that our home would be listed as the collateral for the loan because we were forced to fill out a list of our personal possessions for the collateral. We knew that there were fees and costs with the loan and that a few old tax debts needed to be paid off, but the loan paperwork said we would net $ XXXX and we only received $ XXXX. This was a horrible deal all around, if we clearly understood all of this we NEVER would have taken this loan. The agents were fast talkers and led us to believe this loan was the answer to all of our problems without fully explaining what we were getting into. 9 months after taking the loan I was laid off from my security guard job and we began struggling to make payments. We contacted Tower to try and work things out, but they were immediately tough and would call me at work and threaten us and say they were going to take our home. Other times they would come and pound on our door and post a late notice or stand in our front yard. We resumed making payments when I found a new job but Tower had increased the monthly amount since we were behind and it seemed like the entire payment was going to interest ( 18 % ). Then Covid hit and I was working security for the state and we went on lockdown and I was again out of work. We struggled financially but Tower agents did not work with us or give us a break, even though we know there were multiple state and federal programs available to help people in our situation but they denied access to these programs. We were forced into bankruptcy but eventually could not afford the trustee payments. We tried to work things out with Tower and resume making payments but they told us we had to pay them a lump sum of {$5000.00} or they would foreclose. They continued to threaten and intimidate and talk down to us and We feel this extreme treatment was because of our race. We tried to fix this and resume paying them monthly payments but they would not play fair. They foreclosed on our home XX/XX/XXXX and are telling us they want to evict us. We have evidence and paperwork to back up our claims and want you to understand how Tower Loan does business -- -putting good people into impossible situations, charging exorbitant fees with 118 % payback on a free and clear property and talking down to us and giving us terms to provide a list of our personal possessions for collateral on this loan, which we feel is XXXX motivated and also confuses potential borrowers as to what the collateral is for the loan.
01/16/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MO 630XX	Web
I received a check in the mail in XX/XX/2018 for {$1200.00} stating the total payback would be {$1400.00} which included {$210.00} in interest for 10 monthly payments. I cashed it and eventually received a payment reminder stating the first payment was due on XX/XX/2018 and that if I needed any more money to contact the office. Two days before my first payment was due I called and talked to XXXX about a payday loan I had with an extremely high interest rate and we discussed them loaning me another {$500.00} to pay the higher interest payday loan off, it was considerably higher than the rate that was quoted on the check I had received and cashed from Tower Loan in the mail and I assumed the {$500.00} would be the same rate just added onto the first amount. When I went to make my first payment XXXX said she got me approved for the extra {$500.00} but in doing so I was not made aware of the fact that the interest rate was changing from the initial 36.99 % to 60.48 %! So now my loan payoff total was at {$3200.00}, I felt like I had gotten a scam pulled on me and like it was clearly a bait and switch kind of tactic. They will say I was given a full refund of all the interest which I am assuming they are referring to not charging me the {$210.00} on the original loan ... of course not why would they when they had somehow just suckered me into paying {$1500.00} in interest for an additional {$500.00} added to my original loan of {$1200.00}. I would never knowingly have agreed to such absurd terms, I was never informed of them nor do I have a signed copy of the contract, I was never given one. They had also added some bogus insurance for " collateral '' that I do not nor have I ever owned. I told them 3 things I had which were an XXXX desktop computer 10+ years old, an XXXX laptop 8+ years old and a XXXX circular saw 5+ years old, everything else on the list was added by them at her suggestion. They also pushed an Accidental health insurance policy on me which was of no use to anyone as I was currently off of work awaiting scheduled knee XXXX at the time. I then received another check in the mail for {$1200.00} at 36.99 %, same as the original first loan check I had received from them, as I was still off work recuperating from the XXXX I needed the money and against my better judgement cashed this check knowing I could easily pay it back since they were only charging a little over {$200.00} interest. No problem as soon as I was back to work to pay this off. I received the paperwork in the mail stating the payments would be {$140.00} for 10 months. So now I had 2 loans one with 26 payments of@XXXX, one with 10 payments of {$140.00} which combined was {$260.00} a month. On XX/XX/18 I went in and asked if we could combine the two loans to simplify things into one payment over 26 months and they agreed and we settled on an interest rate of 43.24 %. The paperwork was signed she handed me a sealed envelope with my account number and the information 26 payments of {$200.00} each written on the outside of it with the first payment to be made on XX/XX/2018. I walked out feeling like I hadn't gotten taken too awfully bad. Then I received a payment reminder in the mail stating my balance was {$7400.00}!! I got the still sealed envelope with my contract in it, I hadn't ever opened it since it clearly stated the terms we had agreed upon on the outside of the envelope ... I never dreamed the contract inside would say something completely different and not even be the one I had signed! There is no signature of mine anywhere on this copy of the contract. The one in the envelope stated I was to make 36 payments of {$200.00}, not the 26 payments like we agreed to. I went there twice and tried to talk to her to explain this was not what we had agreed on and I clearly didn't sign this contract and was refusing to make a payment until it was straightened out because in doing so I would be accepting the terms that I did not agree to.
09/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MO 65807	Web
Regarding Account : XXXXXXXXWhen I agreed to a loan with Tower loan, I thought it was a regular financing company. I had no idea that it was basically a payday loan type of place or I would have NEVER agreed to get a loan with them. Tower loan is the absolutely horrible. It is basically like I can never be caught up, no matter how much I pay. If I pay extra thinking, " Okay finally I do n't have to deal with this anymore ... the next thing I know they are telling me ... that only caught you up for last week ... Now we need {$300.00} more ''. Constantly {$300.00} more. It never stops. It does n't matter how much you think you are caught up ... it just keeps building up and increasingThey are very good at what they do ... making it extremely difficult to make payments. I tried to have autopayment for several months. SEVERAL. I kept requesting papers to get it set up and they did n't send for almost a year. Finally, I went down the the office. The man said he could n't set up autopay until the account was caught up ( read above you are never caught up ). For the last two months I am supposedly on autopay. Once again ... not autodrafted out. They keep telling me there is no voided check. Finally, a girl named XXXX verifies it is in my file. Also you ca n't pay via online. The feature does n't work. Again, online searches will show the same thing. You have to talk to them on the phone and of course when you do that you ca n't see your payment and somehow it is always XXXX or XXXX. They make it to where you ca n't just pay your payment. The only way to make a payment without being charged is to go to the office, also. I am requesting validation of the debt that you have indicated. I would like a copy of the contract. I would like an accounting of ALL CHARGES and PAYMENTS to date on the account. I would like a copy of the truth and lending statement indicating all charges. You claim to send me things in the mail that I never receive, therefore, I am requesting that you send the information via certified mail. I am demanding that you cease and desist from any further collection communications except by mail. I am demanding that you cease and desist from contacting anyone associated with me including friends, family, and my employer. If you do not cease contacting me I will file charges with my state attorney general office and the Federal trade Commission. I have requested automatic payments and that is what you should be doing. You have a request for automatic payments and when I spoke to someone in early XXXX they did find a copy of a voided check in the file. XXXX indicated that she had attempted autopay and it had failed. First of all, I thought that the XXXX payment was included in the huge payment I made. Second, if she did autopay and it failed this was a mistake made by Tower Loan. At this point, I believe it was done on purpose to further harrass me. Surely, you have some kind of proof showing account numbers entered and that you did submit for autopay. I would like a copy of such proof sent to me considering that I had enough funds and have overdraft protection. By the way I was already upset that I provided information to pay Tower loan and it was n't processed for a week later!! ( XXXX XXXX authorized and XXXX XXXX charged {$240.00} ). By way I ca n't for the life of me figure out how in the world I was charged {$240.00} if that did n't include the XXXX payment and definitely dispute the validity of any XXXX debt owed! Mind you on XXXX XXXX I made a payment of {$220.00}!!! That was supposed to have caught me up and auto start XXXX XXXX!! I definitely did n't agree with the {$240.00} but paid it just so I would not have to speak to you all again. In less than 2 months I have paid you all {$470.00}!!! That is XXXX of what was owed on the loan so this is ridiculous!! I absolutely dispute a portion of the debt that you are claiming. I want a detailed
12/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	LA 700XX	Web
I took out a loan a little over a year ago, not only did they charge me an interest rate that made me pay back almost double of what I borrowed but when I moved out of state and had to pay online, I got charged a convenience fee as well. Since XXXX I have been unemployed. I have been current on ALL of my payments until 2 mo ago. I talked with these people several times from XXXX until present about my situation and being unemployed. I assured them that as long as I had money, they would get their payment on time. Well, they started calling me asking me to borrow more money a day or 2 before my note was due. I declined and told them I am unemployed and am having enough hardship paying my existing note. When I became 1 day past the due date, the phone calls began, XXXX times a day, Monday thru Saturday. Each time I talked to them, I explained to them, yet again, I am unemployed and as soon as I got some money to pay them, I would. I know I owe these people money and have no problem paying them back .... IF I have any type of money to do so. After 3 weeks of the constant phone calls, the people from tower loan being very rude on the phone, while I 'm trying my hardest to stay nice. Since XXXX I had to sell my car, because I could not afford the notes anymore, sell and pawn almost all of my belongings, just to be able to pay on my debts and keep food in mine and my son 's mouths. If I left it all up to foodstamps it would be dry plain oatmeal for breakfast, Ramen noodles for lunch, and maybe beans for dinner with no sausage. The phone calls continued and continued. I started blocking every number they called from because I was tired of explaining my situation and them setting deadlines of when I had to make a payment and that they would n't accept less than my current due balance. So, then the branch manager calls and leaves me an EXTREMELY rude voice mail telling me she is tired of my excuses, technically I am not even 3 months past due yet. She started threatening me with if and when I get a job they will garnish my wages ( so obviously it is noted in my account that I am currently unemplyed ) as well as they are going to bring me to court and I will have to pay all court costs and attorneys fees, Yada Yada yadda. So, to avoid any more of these harassing and threatening phone calls, I take the change cup that I have been living out of, that contained maybe XXXX in mixed change. I borrow a vehicle and go to the store and ask to speak with the store manager, which is the one that so rudely called me that morning. She has one of the associates pull my account and start going over the details, which I know how much I owe, I know my due date, I know what my current balance is, etc. I was told they will not take less than what my past due balance is, which tacked into the past due balance is they payment that was also due that day. I take the change cup and hold it up and tell the lady this is all I have. I go to set it down on the counter and it slipped and tumpled over. The lady tells me that she can not accept my payment and walks off. The store manager then comes storming in threatening to call the cops. All I was trying to do was make some sort of payment on my account in hopes that they will see that I am trying. The branch manager, XXXX, became irate and told me she was calling the cops yet again and told me that she is suing me ( even though I just tried to make a good faith payment by surrendering every penny I had ). She continued to yell and scream at me as I turned to walk out the door. I did not go there to start problems. After all, she called ME requesting that I go into the store that day. I left my change cup with then and as I was walking out the door turned and said, I am trying. She then told me the cops were on their way and to never come back into that store again. NO PROBLEM! Is there anything I can d
08/09/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 704XX	Web
Hi, my name is XXXX XXXX, XXXX. XXXX, La. XXXX XXXX XXXX In 2014, I got a loan from Tower Loan XXXX at their XXXX XXXX in Louisiana. I borrowed approximately {$1500.00} and before I signed the loan, I asked the underwriter, XXXX that if I paid the loan off early, I would not be penalized with interest, fees or charges that were n't related to the accrued interest of the principal balance and she agreed, stating that the finance charges shown on the loan documents would only be required if I made the minimum payments for the length of the loan, which was 24 months. I Paid back approximately {$1000.00} in less than 3 months. Approximately {$1700.00} in less than 6 months. At that time I called to get a payoff amount and was told that my payoff amount was approximately {$2000.00}. I told them this was obviously an error, because I had already paid back more than the principle of the loan in less than 7 months. First they claimed that several consumer trial services that were required to obtain the loan were added to the principle at the time the loan was signed and not to the accrued finance charges as stated multiple times by the underwriter. I did n't sign the loan until the loan underwriter, XXXX, assured me that if I paid the principle amount of the loan early, I would not be charged for the services or the interest accrued by the services. The total additional cost for these bogus charges was approximately {$2400.00}, not including interest of around 36 %. I actually did not receive any correspondence from any of these services until after I had made {$1700.00} in payments and called for the payoff amount and was obviously furious by their explanation of the remaining balance. Later I read through one of the service documents I was being charged for and it stated that actually none of the consumer trial services were required for the loan as stated by XXXX, the loan underwriter. Also, the loan documents that were given to me for my records were not signed by both parties. After weeks of arguing with them about getting the correct payoff amount, I continued to make payments. More than what I should have. They never corrected the finance charges and still claimed I owed them {$1400.00} on the loan. They also claimed, for a moment, that interest on the loan is paid before any principle payments. Which my loan documents clearly contradict. Now, since they filed a judgment, there 's no telling how much fraudulent costs will be added The most confusing thing about this happening is that this was the second loan I 'd gotten from Tower Loan. I paid off the first loan with a portion of the money from this loan without any problems. I 've paid back {$2400.00} to Tower Loan on a {$1500.00} loan, while getting calls from them at least twice a day on my mobile phone, being harassed with garnishment threats and phone calls to my friends, my family and even on my work phone, requesting to speak to my boss! A judgment was filed against me a few months ago for this matter. I could n't afford an attorney. So I tried to respond to and file answers to the requested information in the judgment letter and give an explanation of the illegal activities that this company is committing. But, I was only given 15 days to do so, which was impossible since I have an hour commute to and from work that totals over 12 hours for a typical work day and at the time did not have any remaining annual leave for the year. Now, I 've gotten a letter that they are trying to garnish my wages. I could understand if I did n't pay the loan back. But, I paid well over the amount I borrowed, in less than 10 months. Business Name : Tower Loan ( Local Office ) XXXX, LA XXXX XXXX Tower Loan Corporate Office Headquarters XXXX, MS XXXX Corporate Number : XXXX
04/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 631XX	Web
I first notified Tower Loan at the end of XXXX of an account that is reporting on my credit report that is not mines. This account was fraudulent obtained by a relative of mine who has a similar name as mine. This same relative also obtained another fraudulent loan in my name. However, that has been resolved with the other company with them deeming that I was indeed not the author of signature on the loan. When I reached out to Tower Loan at that time of me noticing it on my Credit Report, I was told that it would be taken care of and deleted from my Credit Reports. Upon me trying to obtain a house in XX/XX/XXXX, I discovered that this was still showing up on my Credit Report. On XX/XX/XXXX I then sent in a letter to all 3 Credit Bureaus ( XXXX, XXXX, XXXX ) disputing the accuracy of an account reporting on my credit report that was not mine. I was also disputing the several inaccurate addresses on my report that belongs to the relative who obtain the Credit. I also asked the Credit Bureaus to send me documentation that I signed for this loan as well as the name of the person who they contacted from the Original Lender. On XX/XX/XXXX I received dispute results back from all 3 Credit Bureaus stating that the account was verified as accurate along with the different addresses. I never received any other supporting documentation with it. According to the FCRA if the Credit Bureaus nor the Original Data Furnisher can provide me with supporting information within 30 days of the dispute, they must delete the inaccurate information from my credit report. How is it possible for all the Credit Bureaus to get accurate information from Tower Loan when I truly have proof that this information is inaccurate along with the addresses. That leads me to believe that the Credit Bureaus did not do a thorough investigation, nor did Tower Loan send them accurate information. I have a notarized letter stating that I indeed did not receive nor cash a check from Tower Loan. My other relative and I have the same first and last name. Same middle initial. However, it is a different Middle name although it is the same INITIAL. I also contacted Tower Loan back directly on XX/XX/XXXX and spoke with XXXX he stated that he would be looking into this and getting back with me. I never heard anything back from XXXX Therefore, I called back on XX/XX/XXXX and was told by XXXX XXXX SR Manager if I give them a notarized letter stating that I didnt receive nor cash a check that they would look into it and have it deleted from my credit report. I called Tower loan back on XX/XX/XXXX and was told that they could not delete anything from my credit report and that I would have to go to court. As I stated before, I have been dealing with this since XXXX. I have given Tower Loan and all 3 CREDIT BUREAUS ample amount of time to rectify this issue to be removed off my credit report. This is clearly a true case of Identity theft. I also have another letter from the previous loan that was fraudulently gotten in my name and the person admitting to him doing it. If this is not resolved this time you all leave me know choice, but to retain a FCRA Attorney and file several lawsuits. If won I can be awarded up to {$1000.00} per violation and you all have violated several of my rights. Please have this inaccurate information along with the addresses DELETED immediately from all 3 of my CREDIT REPORTS. This inaccurate information reporting is apprehending me from securing a Home Loan for me and my family. I await an updated Credit Report along with a letter informing me that you all have notified all 3 Credit Bureaus to remove the inaccurate information from my credit report. Respectfully, XXXX XXXX XXXX
01/07/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	LA 706XX	Web
Tower loans in XXXX XXXX Louisiana is the issue that I'm having. I do not I do not say I don't owe towels I do the problem is I've had XXXX diagnosis it says last summer and in XXXX surgery was done it was done uh depleted all of my money the loan was issued to myself and my husband but I at the time was getting XXXX a week in income which is dependent upon an adjuster mailing money And sometimes it gets delayed as is now. I know I was behind and in XXXX XXXX agreed to XXXX a week to catch up which the last check I got was on XX/XX/XXXX and for teeth and that is when I made the XXXX payment I have not received the check since. Yes my husband works. We have dealt with covid and him missing work and do to the HIPPA laws I'm not able to release any documentation too recommendation to towelong.. I have been in constant contact with XXXX and the girls and a manager named XXXX. When I tried to tell XXXX that I had been in constant contact with XXXX he informed me XXXX didn't work there anymore and that wasn't his problem.. He calls his condescending demanding and I keep constantly telling him I do not have any money. It gets to the point where my blood pressure through the roof I'm crying. There's just No reasoning with him I don't know what to do I don't have money. He asks what about Mr. XXXX your husband doesn't he work yes he does work we have not been able to pay our rent in 2 months.. The cost of living is so high now I don't know that I'm gon na have anywhere to live come XX/XX/XXXX. I actually had to receive assistance from the state for 4 months of rent last year because the money is just not there. Again the medical costs it came down to life-or-death do I pay tower loans or do II pay copays to have my daughter-in-law live. XXXX says I don't communicate with him no I don't because it becomes a shouting match and again my health can not take it I take XXXX XXXX medicine I take XXXXXXXX XXXX medicine I take nerve medicine I just he is someone who will throw me over the edge I mean literally over the edge. I've got to the point I asked him what do you want me to do rob a bank I don't know what else he wants me to do I don't have it I have every intention of paying him but I don't have it I mean what's he gon na do come and kill me I don't know I'm afraid to be in the house by myself because he constantly calls it constantly yells and screams and heat every time I say what you're not gon na do is scream at me or be condescending Our patronize me he says that's not what I'm doing yes that's exactly what hes doing a lot of times I don't hear the phone ring and a lot of times I'm sleeping or it could be a number of things I mean I have life going on how about that I'm not avoiding him it's just I don't have anything else to tell you I've told him everything I can tell him I don't have it I don't know when I'm gon na have it as soon as I get it you won't get it other than that there's nothing else I can tell you so if you call me today you call me tomorrow you call me tonight You call me tomorrow night don't you think I'm gon na tell you the same thing that I just told you. So it's keep answering the phone getting my blood pressure high getting overwhelmed getting totally 100000 % stressed out or just don't answer because I don't have anything new to tell you and I know what you're going to do. I just need help for XXXX to understand I'm gon na pay you I just don't have it and he needs to understand that I don't know what else to tell you Please somebody help help me there's just no money I mean there's no I don't even have groceries in my house I have Nothing absolutely nothing play nothing so I don't know what it is he wants me to give him I don't have it
10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77096	Web
To Whom It May Concern, I am writing to express my extreme frustration and utter disgust after discovering that the following company ( s ) have reported charge off ( s ) on my consumer report : XXXX XXXX XXXX ) ( Tower Loans ) ( XXXX XXXX ) ( XXXXXXXX XXXXXXXX According to the IRS, when a debt is charged off by a creditor, it means the creditor has given up on attempting to collect the debt and has declared it as a loss for tax purposes. When a creditor charges off a debt, they're required to file a 1099-C form with the IRS, which reports the amount of the canceled debt as income. This means that I may owe taxes on the charged-off amount, even though I didn't receive any money from the creditor. Let me be clear, the charge off ( s ) on my consumer report is/are a blatant violation of my consumer rights and will not be tolerated. I demand the immediate removal of these late payment ( s ) without any further delay! I would like to remind you that the consumer law ( s ) cited below are not suggestions, but are in fact, legally binding regulations that you are required to follow. 15 USC 1681a 2 -Exclusions ( a ) ( i ) is a subsection of the Fair Credit Reporting Act that clearly states Any report containing information solely as to transactions and experiences between the consumer and the person making the report. 15 USC 6802 is a section of the United States Code that outlines the obligations of financial institutions with respect to the disclosure of personal information. 15 USC 6802 outlines the " Opt Out '' requirements for financial institutions when disclosing nonpublic personal information to nonaffiliated third parties. Financial institutions are required to clearly and conspicuously disclose to the consumer, in writing or in electronic form, that their personal information may be disclosed to third parties. The consumer must be given the opportunity to direct that their information not be disclosed and must be provided with an explanation of how they can exercise that option. 15 usc 1681b ( a ) ( 2 ) is a section of the United States Code that outlines the permissible purposes for which a consumer reporting agency may furnish a consumer report. In general, a consumer reporting agency may furnish a consumer report only under the following circumstances and no other : 1 ) The consumer must give written authorization, and I did not and will not give any creditor the right to add negative, inaccurate and injurious information to my consumer report. It is clear that the charge off ( s ) on my consumer report is/are in direct violation of the laws cited above. As such, I am entitled to receive damages for this willful noncompliance. Let me be unequivocally clear, according to 15 US Code1681n, I can charge {$1000.00} for damages if you fail to remove this item immediately, as it is causing me significant harm and distress. I demand that you take immediate action and rectify this issue promptly. Any delay or inaction on your part will be considered a deliberate attempt to violate my consumer rights and will not be tolerated. I do not expect to receive a verification of the item in question as it is abundantly clear that it is in violation of the law. I demand that you send me an updated copy of my consumer report once the disputed item has been removed. I trust that you will take this matter seriously and resolve it immediately.
07/16/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	MO 630XX	Web
I originally submitted a complaint with this firm and got a response from you on XX/XX/2021 as stated in the response this company forwarded to you for me to address. Original case number was XXXX. In this letter Mr XXXX XXXX stated I showed proof of identity when I got the loan but WOULD NOT FORWARD the documents I requested to the address I supplied because of " privacy concerns '' as the address is different from the address they have on file. That's the whole point! It's a different address because I'm never applied! I will ask you, the CFPB, once again to have TOWER LOAN supply me with Correct and verifiable signed contract, Identification card/ID/Driver 's license, and a legal social security card to verify this debt AND to send it to the address I provided. If they do not provide this information I will have to assume that they DO NOT have this documentation and that they will delete this account from my credit files at 3 major CRAs! XXXX, XXXX, and XXXX! Mr XXXX states all I have to do is go to their office to take care of this matter. There are 2 problems with that request : 1 ) Why should I go out of my way to go to their offices when I am requesting this information through the mail which legally verifies receipt of this information as I ask them to send this information via certified mail. 2 ) If I would go in they would just update any information and claim I am the right person on this debt! Does XXXX think I am a complete XXXX!? Sounds like it! AND, since he is going to play this game with me, then I need a couple more items or his company and his reputation will be suspect as I will sue both person and company in a court of law! Here are my additional requests : A ) If a financial institution that extends credit and regularly reports information to a credit reporting agency, ( CRA ), you must notify a consumer that you are reporting such negative information. This would include late payments, delinquencies or any form of default. FCRA 623 ( a ) ( 7 ) ( G ) ( i ). I never got any letter, notice etc. on any instance when they reported this negative information initially. I NEED this information or they have violated the federal law and my reputation! B ) I wrote to the credit bureaus on this matter earlier in this process. They in turn wrote to TOWER LOAN to verify these inaccuracies as stated by me. If Tower Loan can not verify the information I am asking for then they are to DELETE such information or risk violating FCRA 623 ( b ) ( 1 ). C ) According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) the creditor has 30 days to respond to any complaint regarding a dispute and another 15 days if additional information is supplied by the CRA to the consumer. You did not do that at all! I have certified, return receipts from the credit bureaus concerning this matter! They got my dispute and sent it to you. No response. D ) Once Tower Loan knows my information is being disputed, they have to notify the CRA 's that it is being disputed until they update or delete the information. FCRA ( a ) ( XXXX ) - Disputed information. I tried to get credit and was denied because of this as Tower Loan did not update this information in a timely manner. I have the denial letter which falls into the time period that they did not comply in a timely manner! If I do not get these documents, then I will sue Tower Loan etc.
04/21/2021	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MO 654XX	Web
I initiated a loan {$4000.00} with tower loan on XX/XX/XXXX. My payment was XXXX I lost my job, after a few months without work I found a job but wasnt making the same income. I notified Tower loan of this matter as well, along with The fact my girlfriend was expecting a baby. I explained I was trying to make ends meet for all my bills and I could not make the full amount requested each month but could send in as much as I could. They said ok but after a while began to repeatedly call me. I happen to receive a new number and they began to call and harass my girlfriend in reference to my loan she had nothing to do with. The manager used abusive and offensive language by calling me ignorant. As time furthered they continued to call her Phone and threatened me with taking legal action. At that time my girl friend was XXXXmonths, pregnant I then explained again Im doing all I can while expecting a child and paying bills I owe with everyone as my income is no longer $ XXXX but now $ XXXX. My girlfriend moved into her home she brought on XX/XX/XXXX. I was repeatedly contact via my girlfriend phone, even the day after my child was born still in the hospital, the manager at tower loan showed no sympathy and tried to argue on the phone with me. I explained not only had I lost my job, Got a new one lower pay but now was out of work due to Covid. I explained I had no extra funds and was in need of financial hardship due to having a baby and the pandemic. My girlfriend later purchased a bedset for our child XX/XX/XXXX. Her loan for the set was through tower loan .... not even 7days later she received a letter XX/XX/XXXX the envelope had her address and the letter on inside had my address that I was living at at time of Loan. I then was served on XX/XX/XXXX at her address. I was there as I had had trouble keeping up with bills and at this point our child was here. I was still out of work as the state was only allowing essential workers to work. When I received letters from the court house in reference to times to court dates of being served it had my P.O. Box address. As I didnt have set residing place of my own. I offered a settlemt of the initial loan amount which I barely had. They denied my offer. I attended court twice and nothing resolved. I also am still accurring interest and the loan amount is going up. I set up a payment plan and it still is difficult to maintain as I have no job due to no childcare provided for my daughter due to covid related reasons. I feel that this is unfair and unjust with what is going on and facing financial hardship. My main complaint within this is to show not only did Tower Loan but also XXXX XXXXXX/XX/XXXX Took the address from my girlfriend loan of getting her bed set that happen to be through tower loan as choice of furniture place .they used it as my address with out my consent or statement saying I and a change of address or this was my residing place. That is an fraudulent act upon my personal information being shared and given out. The address shouldve never related to myself as it was not my permanent residence. I am aware that it was added to my credit report on XX/XX/XXXX as I was notified by my credit monitoring account. There no way that Tower Loan and the Law firm was able to connect my girlfriends address to myself as there was nothing in my name or proof of me being there.
12/27/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MO 650XX	Web
On XX/XX/XXXX Tower loan called my work number. I called them back the same day and spoke with XXXX, I told her not to call my work again. Then on XX/XX/XXXX I received another phone call at work. I called and spoke with XXXX and stated again not to call my work. Then on XX/XX/XXXX I got another call at work, so I called again and told them not to call my work. On that day I also told them not to call my family members. Then on XX/XX/XXXX I got another call at work. At that point I did not call because, the company was going to call no matter if I asked them not to. They have called and left messages multiple times a day since XX/XX/XXXX on my cellphone, including calling from other cell phones daily. On XX/XX/XXXX XXXX the XXXX at Tower Loan came to my house asking for me. My daughter told him I was unavailable and he left a note on a torn piece of paper with his name and phone number on it. In addition to leaving my daughter a note a placed another note in my car door handle that was printed from Tower loan letter head. Anyone walking past my car could have gotten the letter. I called Tower loan on XX/XX/XXXX to speak to XXXX to let him know he would be arrested for trespassing if he came on my property again. XXXX told me not to threaten him and that he would do what he needed to and that he was going to sue me. I told him that the constant phone calls daily needed to stop. He was told again not to call my work, to which he replied, I have an authorization form right here so that takes care of that, I can call when and where I want to. I told him I had lodged a complaint with the Attorney General 's office as well. I told him that they needed to stop calling with cell phones daily as well. XXXX denied cellphone calling and stated that it may be other creditor 's trying to reach me. XXXX told me that it would be really hard for me to pay my electric bill once he garnished my wages. He also said that if a payment was not made by the XXXX that he would file a right to cure. He told me that I better hope I get my income tax refund sometime in XXXX as they would file a right to cure. He told me several times that he was going to sue me and raised his voice to the point of yelling at me. I told XXXX that I had made a payment arrangement online to be paid in XXXX so the daily phone calls needed to stop. I told him if he did not have a payment by the XXXX that he could call. He told me he would call me multiple times a day everyday until the XXXX despite having a scheduled payment online. I told him the reason I was not paying was due to having a XXXX child. He told me that he did n't believe me nor did he care. All he cares about is getting his payment and on time. I told XXXX I was telling him this is my cease and desist notification from calling me. I have made a scheduled payment online and that unless they do n't get that payment, the calls need to stop. I also told him I would notify them in writing that the calls need to stop. XXXX told me that they would continue until the account was paid in full. I told XXXX that I would follow up the Attorney General 's office and would consult a personal lawyer if need.
02/10/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MO 63135	Web
The company in violation is Tower Loan. They have been calling me excessively daily for the last 2-3 months I explained my financial situation to them being that I was displaced from work in XX/XX/XXXX due to Covid. I was receiving unemployment which is what I was using to pay the debt back until it was halted. I explained to them countless times that I have no help with this all I can do is pay once I get my taxes. The Balance on the account is around {$400.00}. Even after I explained this to a rep and a manager they tell me that the account would go into legal status and theyll garnish my paycheck. I explained Im currently not working so there is nothing that can be garnished therefore its an idle threat. Then I was told that it would be in legal status that following Monday. I explained with me not currently having any funds theres nothing I can do about that at the moment. Then after that Ive still been getting calls daily sometimes more than 3 a day from ( XXXX ) XXXX. They have called my moms house repeatedly as well at ( XXXX ) XXXX. She told them that I no longer live there and to remove her number and they called right back on XX/XX/XXXX. They also approached her at her home to deliver a bill for me back in XXXX. Which was very unusual and disturbing. Then I receive a call XX/XX/XXXX from them and spoke with a XXXX. He went over the account saying that he understands that Im not currently employed from the notes and asks about unemployment. Again I explained that Im not currently receiving that due to them being backlogged for appeals and still havent heard back. I explained the best I can do is pay it when I got my taxes. He says that they cant wait that long and need a payment now otherwise would be garnished and sued explained that they cant garnish me because Im not currently working. I also explained that I was told that this would have been going into legal status back around XX/XX/XXXX so should already be that. And asked that they stop calling me because I literally cant make the payment until I can. And to do what they need to do, then disconnected the call. XXXX calls right back saying that they dont have to stop calling me because I have a loan with them. Which was a mailed solicitation by the way. I explained my rights as a consumer and told him that I will be filing a complaint with the CFPB. He tells me that Im wrong and there are no such laws. They dont have to stop calling or threatening garnishment or lawsuits. Explained that the law prohibits calling to make idle threats such as those in order to provoke a payment being made. He asked who told me that. And I explained that when I worked in loan servicing we had to learn both state and federal laws surrounding this and explained that I will be filing this complaint for non compliance. Again he said that those things are not true. Then I told him that I will be disconnecting the call and filing this complaint immediately. Will keep record of any calls from them after the conversation today. The file attached is my last payment to them which was in XXXX.
02/28/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AL 36526	Web
THIS IS NOT A DUPLICATE COMPLAINT. As stated previously, I do not have an account with this company. I have not given this company permission to share my information with any third party debt collector either. The creditor, Tower Loan, did not address the concerns in my first complaint, but rather provided an unprofessional letter of opinion about my character. Opinions can not be enforced by law but debt validation can. Tower Loan has provided conflicting information stating {$700.00} is past due, while XXXX XXXX is trying to collect an amount of {$3800.00}. Since you are certain this loan belongs to me, you should have no problem providing the requested information, or forwarding to the appropriate department for handling. It is illegal to continue to try to collect amounts not owed. As stated previously, I received a collection notice from XXXX XXXX XXXX in XXXX with Tower Loan XXXX XXXX claiming that I owe a debt in the amount of {$3800.00}. However, I have never had any business or financial relationship with this creditor, and I do not recognize the debt that they claim I owe. Despite my attempts to dispute the debt and request validation from the creditor, they continue to harass me with numerous phone calls, voicemails, and letters demanding payment for the alleged debt. The creditor has also threatened legal action and made false statements to me regarding the consequences of not paying the alleged debt. I believe that Tower Loan and XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) by engaging in harassing and abusive behavior and making false statements regarding the alleged debt. As a third-party debt collector, you are required by law to provide me with certain information in order to validate the debt. This information includes the name and address of the original creditor, the amount of the debt, and a statement indicating that I have 30 days to dispute the debt. I have not received any of this information from you, and therefore can not verify the accuracy of the debt. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request that you provide me with proper validation of this debt. I ask that you provide me with the information required by law within 30 days of your receipt of this letter. If you are unable to provide me with the requested information, please inform me in writing that the debt is not valid. Furthermore, their failure to provide proper validation of the alleged debt is a violation of my rights as a consumer. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify any unlawful actions taken by the creditor. Until such time as you have provided me with proper validation of this debt, I request that you cease all collection activities. This includes contacting me by phone or mail regarding this debt, reporting this debt to credit bureaus, or taking any legal action against me.
10/16/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	LA 70403	Web
I was unable to pay the loan due to losing my job ( XX/XX/2023 ) and having a few unexpected expenses that had to be taken care of ( medical bills and the stove died and needed to be replaced. I spoke with a representative and was told that a small payment of {$80.00} would cover me until the next month. This was in XX/XX/2023. I made a payment on Friday and received a call the very next day from the company where the representative told me I was still behind on my payment and if I did not pay the difference, I would be sent to collections. At that point, I told the company they would have to send me to collections because I did not have any more money. After that point, I ignored most of the phone calls due to their insistence on calling daily, often multiple times a day, and I could not come current on the payment. The Manager at Tower Loan text me on XX/XX/XXXX about making a payment to get caught up to date and not have to make a payment until XXXX. I did not get a new job until XX/XX/XXXX. I spoke to the manager on XX/XX/XXXX about making a payment that would allow me to be okay until XXXX. I made the payment and was contacted the next day about needing to make another payment to be current. The manager then said that she had never said the payment of {$95.00} would keep me from needing to make another payment until XXXX. At that point, I told the company that all communication with me needed to be through email or text. I made another payment of the same amount on XX/XX/2023 that should have counted as my XXXX payment. I spoke with the manager again on XX/XX/XXXX, and she told me I could pay {$82.00} to keep her from pursuing litigation. On XX/XX/2023, I made a payment of {$100.00}. On XX/XX/XXXX, I received another phone call saying that if I did not bring my payment current, I would be sent to the attorney. On XX/XX/XXXX, the manager attempted to call me and I told her I would only speak with her through text or email and hung up. She responded with a text " Well, I was going to tell you have I couple options to help you out, but I will just let you explain to the attorney that charges you {$2500.00}. Remind him that you did this to yourself '' When I reminded her of the conversation, her response was " Again, you explain your case to the attorneys. Or you can come into the office and sit down with me on Monday and we can review your account together. Have a good day. '' I did not respond. On XX/XX/XXXX, she text me again asking if I want the attorney 's information. Meanwhile, I have received a phone call from Tower Loan almost every day since XXXX. This is beyond harassment and I am obviously attempting to pay off the loan. However, the manager will only speak with me over the phone or in person where I have no record of what she says because she is willing to change what she says. I am attaching a snippet of my phone records. All numbers that are XXXX. This is just 2 days.
08/30/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	AL 36609	Web
I received a check in the mail from Tower Loan of XXXX XXXX. I cashed it on XX/XX/2016. On XX/XX/2016 I received a call from my great grandmother in law who has XXXX stating that she had received a call and was upset that something may have been wrong because she had received a phone call in reference to me, and had never received a call there for me. Come to find out it was Tower Loan. I called there office. A female told me that they had tried to contact me. I told her that I put my number on the back of the check as the instructed via the agreement of cashing the check, She stated that the check had not loaded the system and the info that they had tried using the number on file, I told her because that was not my number and I have had this number since XXXX. She stated they brought my info from the credit bureau and must was not correct. She stated they had a XXXX # which I told her I have never had a XXXX #. I asked her why is she calling my husband family looking for me when I did what I was instructed to do via the agreement attached to the check. She was very rude and I asked to speak to a manager. I spoke with XXXX who at the time stated he was the manager then I later received a call from the real manager XXXX. Also a call from the DM who was rude as well and would not answer the question of my am I being penalized for doing what was instructed for me to do. I spoke with XXXX at another location who stated that she did n't agree that they used designated search engines to find and call around for me when my loan was not due and I followed the instructions on the check but they just needed to verify I cashed the check. I told her well they should have waited like everybody else does to verify once it cleared. The other managers and representative I spoke with could not explain to me why was my info being pulled as if I was in collection or delinquent on my account because they brought false info from the credit bureau. They should have just waited until the check image loaded and contacted the number on the back of the check as instructed. Instead of harassing my family members as if I was not paying my bills.. I feel they have violated some type of best practices in regards to violating my information and using in a matter that is unlawful. If they are going to mail out instructions to adhere to then they should adhere to them as well, I gave them no permission to contact anyone on my behalf and violate my financial privacy because of the information they brought from the credit bureau was incorrect on there end. This incident left my great grand mother scared and upset that something serious was wrong due to the conversation she had with the representative that contacted her because she could not comprehend fully what was going on due to her condition. I was not in default or delinquent so these types of actions should not occur.
10/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN XXXXX	Web
On XX/XX/2018, I filed a dispute online with Tower Loan through their online Customer Service Issues about the balance on my account and the date of last payment being wrong that was reported to the Credit Bureaus pertaining to my account with Tower Loan. Tower Loan had not been reporting as the company should have, and there for the information on my Credit Report was incorrect. I presented this information to Tower Loans, but Tower Loan never tried to make any corrections or contact me, until I stated that I would file a Class Action Lawsuit against the company. I filed another complaint on XX/XX/2018, and at that time I also made a call to the XXXX XXXX office where my account is located to find out who the Area or District Manager was and how I could contacted him. I first spoke with XXXX XXXX and Mr. XXXX forwarded some papers to me through an email showing that Tower Loan had been made aware of the problem and was trying to correct it. To make a long story short, Tower Loan would have not tried to correct this issue ( and it still isn't corrected as of today ) if I had not brought it to the company 's attention. Tower Loan is still not reporting the correct information on my account, I have only received one phone call from XXXX XXXX about this issue ( after I made three calls to Mr. XXXX ) and he was very rude and arrogant about the situation.Mr. XXXX XXXX 's tone of voice was like I was stupid and he was not concern about the issue. Mr. XXXX XXXX the Compliance Manager, never called me back, but responded in a letter, passing the buck off on the Credit Bureaus. Tower Loan does not have a reliable office telephone, because the phone listed on the Complaint Form that is online, is a cell phone listed as " XXXX 's Work '', and the call that I received from XXXX XXXX was from an office in XXXX, MS . If Tower Loan home office is supposedly located in XXXX XXXX, MS , why is it that this company does not have a legal telephone for the consumers to contact the Home Office at the phone number given for the company? As of today, Tower Loan is still reporting the wrong information on my account. Tower Loan has three different balances that is owed on my amount reported to the Credit Bureaus as the pay off amount, date of last payment is wrong, and there is no working with Tower Loan about correcting this. I am sure that there are others who have or have had the same problem with Tower Loan and I am struggling and striving to pay this account off and I will not recommend this company to anyone to do business with. I was also send a copy of some emails where I was rudely talked about and these emails show and are dated on the date that Tower Loan did not think about or try to answer my complaint until I mentioned filing a Class Action Lawsuit against the company.
03/25/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 70503	Web	Servicemember
XX/XX/2019 I am writing to file a complaint regarding violations of the FDCPA by Tower Loan, XXXX XXXX XXXX, XXXX XXXX, XXXX, La. XXXX towards my rights by committing the following acts : 1. Tower Loan has repeatedly publicized my debt by calling my job, multiple times daily, even when I have spoken to them on my work landline and verbalize for them not to call my job, we can not have personal phone calls. I have even answered, spoke with tower Loan and hung up on the person after saying I cant talk Im at work and they would call back immediately ( XXXX XXXX ). Tower Loan employees call my job so much until the receptionist would get upset and tell them Im busy, then notify me verbally they called again. 2. Tower Loan employees have repeatedly publicized my debt to family and friends by calling them stating I need to call Tower Loan. 3. You can see in one of the emails from the receptionist Tower Loan revealed themselves as a debt collector. ( XXXX ) 4. You can see on XX/XX/2019 I received back to back phone calls from Tower Loan- HARASSEMENT. 5. On XX/XX/2019, the lady in the white car, as shown in the attachments, shows up to my home hand delivered a letter to my husband for me, with the words FINAL NOTICE!!! Written on the envelope in Red. 6. On XX/XX/2019, after multiple back to back phone calls, an employee of tower Loan came to my house as recorded on my home monitoring system, beating on my front door for over a minute, until I finally answered the side door. I recorded him and our conversation on my cell letting him know I was recording him, he would not leave even after I asked him to leave my home. When I closed my door to lock it, he begin beating on my glass door very hard. I call 911. I opened the door and informed him I had called the police. As shown on screenshots from home monitoring system he left at XXXX only to return back in my driveway at XXXX, staying until XXXX. Then another employee, XXXX, shows up at my house at XXXX, see attached screenshot. Finally the sheriff arrived at XXXX, after hearing my complaint and asking Tower Loan employees to leave my home, sheriff walks behind him getting him to leave at XXXX. The sheriff stayed until XXXX I have been harassed repeatedly by Tower Loan employees. My last payment was on XX/XX/19 for {$140.00}. I got behind because of State tax garnishment. When I called to make a payment XX/XX/2019 XXXX said XXXX is off and I cant accept your payment because he added court cost. Thats the second time I was threatened about court and garnishment by tower Loan. I have video recordings of conversations with both employees who showed up uninvited and unwelcome to my home XX/XX/2019 which are too large to attach. My rights have been violated. I want compensation.
03/29/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 65536	Web
I have experienced financial difficulty. From the beginning I was in contact with Tower Loan to let them know I was trying to get them paid but I was struggling. From the beginning they were very rude to me. My first attempt to get the past due debt taken care of was going through a debt consolidation company. When I told tower loan this i spoke to XXXX who was the manager at the time and she said she would make a note of it. After that she never called me. I was advised to send my creditors a cease and desist letter to all my creditors so I sent one to tower loan. There was a change over in management and someone showed up at my house about a month after I sent them the cease and desist letter. I found that totally uncalled for. I had n't received a phone call from them in a long time so I did n't understand what gave them the right to show up at my house. That night is when the phone calls started. 10 minutes after the lady left my house XXXX from tower loan in XXXX. I informed her someone had just left my house so there was no reason for her to call me. I told tower loan again that I was going through a debt consolidation program to get them taken care of. They then told me that they had turned my account over to an attorney to start the process to garnish my wages and the only way that would n't happen is if I paid my account current. At this point they were trying to scare me into paying my account current and they were not willing to work any payment arrangement out with me that did n't consist of getting the account current. At this point I was so scared of them garising my wages I contacted a bankruptcy attorney. I ended up retaining XXXX in XXXX mo and I cancelled the debt consolidation. I told tower loan that I was sorry but I was filing bankruptcy. They were agan very rude to me and told me that evendors though I was filing bankruptcy they could still take my belongings that were secured. I let her know I had discussed that withe my attorney and that he was going to take care of it all for me from here on out. She told me that they would fight to get my belongings from me. I again asked them to not call me. She informed me that until they had a case number they would continue to call me. I told her that I was tired of them harassing me even after I sent them a cease and desist letter to tell them to not contact me and she said they would still call me. This has continued long enough and I am tired of them treating me like dirt and calling me daily when they know what is going on. I am filing bankruptcy and they attorney has been retained. I do n't feel like there is anything else to say to them but I ca n't get them to stop calling me and harassing me. I have asked them several times and they refuse to quit calling me
02/11/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 700XX	Web
I initially had a loan with XXXX XXXX in XXXX, LA and had been doing business with them for about 4-5 years. They were bought out by Tower Loan a few months ago. Their employees and customer service is HORRIBLE!!! I am currently experiencing a financial hardship and have been for about 2 months so my payment has fallen 30 days behind. I have explained to them that my husband is on XXXX and has had 4 XXXX XXXX in the last 5 years. Last month ( XX/XX/XXXX ) they called me and for the payment in which I informed them would be late. I spoke to their manger, XXXX at the time. He threatened court costs and fees if I did not make the payment within 1 day of his call. I was able to stretch and make the payment by borrowing money from my mom which put me even further behind and naturally continued into the month of XXXX. They are aware that I get paid bi-weekly and that my husband receives his XXXX at the end of the month but insist on calling me on the weeks I do not get paid and I have been in constant communication with them regarding when we get paid. Today, XX/XX/XXXX the office in XXXX, LA called me again 3 times within 1 hour and did not leave a message. Needless to say I was at work making money to be able to pay them. I called them back and spoke to XXXX, I informed her that I was hopeful I could pay them on XX/XX/XXXX when I got paid but was unable to due to other obligations and that it would definitely be on XX/XX/XXXX when I get paid and again on XX/XX/XXXX when my husband receives his XXXX. She immediately got rude, belittling and harassing telling me that if I did not pay by XX/XX/XXXX they'd put court costs on my account of {$220.00} to accommodate for me and my husband being borrowers on the loan, I told her that was a scare tactic and that I could not pay them until I get paid. I asked to speak to the manager which is now different than last month, her name is XXXX. XXXX did the same thing and told me she needed the payment by XX/XX/XXXX or she would be placing the court costs on my account and / or they could come and pick up the collateral which secures the loan. I gain tried to explain my situation and assured her that payments would be made on XX/XX/XXXX and XX/XX/XXXX. I asked for the distract manager 's name and number and asked for that person to call me. XXXX assured she would email him to contact me by the end of the day and Mr.XXXX XXXX has yet to do so. I also explained to XXXX that I have a loan with another one of their offices in XXXX, LA and informed her that I was facing he same situation with them last month and this month and that they have not spoken to me nor treated me the way that their office has. I asked if they were definitely the same company which XXXX confirmed they were.
01/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 707XX	Web
I recently wrote to Tower Loan, via certified mail, requesting the deletion of the following account : Account Number : XXXX. [ There were two different addresses reporting, so I mailed, and uploaded the same document with both addresses ]. I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. Tower Loan continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. Tower Loan, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. Tower Loan has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that Tower Loan violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; Is Tower Loan above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which Tower Loan is seemingly willfully noncomplying. Furthermore, Tower Loan continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to Tower Loan, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, Tower Loan continues to falsely verify as accurate. This has to stop at once!
03/19/2016	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	LA 71118	Web
I was receiving harressing calls and home visits from Tower Loan and wanted their collection actions stopped. I asked my wife to calk and tell them to communicate to me only by mail. So she called in late XXXX of XXXX. She called Tower Loan and spoke to a male. She told him that I am demanding that they stop all communication calls to me, family, friend, neighbors, Place of employment and not to come to our home. She told him that the only communication that is wanted is via mail. She was told that the only way to stop receive that request it would need to be in writing. So on XXXX XXXX, XXXX I wrote a Cease and Desist Letter ( letter and certified mail receipt and delivery receipt will be down loaded ). On XXXX XXXX, XXXX a XXXX XXXX signed & printed her name on the delivery section. On Friday XXXX, XXXX my sister called me and said she received a voice message from a XXXX telling her to have me call him at XXXX. She then forwarded me the voice message. I was very upset by the collection call because I felt that my consumer rights were violated. At around XXXX on XXXX/XXXX/XXXX I called the number and spoke to XXXX XXXX. He said that I owed over XXXX XXXX dollars. I then told him that I would be in tomorrow morning to pay it. After getting off the phone I talked to my wife and told her that my rights were violated and that I have been harressed and something has to done to stop XXXX XXXX and Tower Loan! I then instructed her to call Tower Loan and record the call. My wife and I were lied to by XXXX XXXX. He told her that his notes said that my letter said not to call or Mail anymore which was a lie. She told him that he was harassing us and then he said that we were harressing him and then theatened us by saying we were refusing to pay and proceeded by hanging up the phone. She then called him back and he admitted that he called my sister and left a voice message with his name and number and asked to have me to call him. My wife then began to read him the certified mail receipt letter to him. He then said that he was going to send my file over to his attorney 's office and sue us. He said that it does n't matter what I pay he 's still going to send my file over to an attorney. XXXX XXXX then made a slandering commit to my wife. He told her that if she would stop spending my money that I probly would not have this problem. He then said to her " why am I even talking to you, your not even on the account. Then said that he was going to file a law suit on her and hung up. Both phone calls were recorded. First recording XXXX/XXXX/XXXX XXXX cst and 2nd recording at XXXX cst.
07/08/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MD 20745	Web
I owe a loan 2 years ago in Tower Loan XXXX. Amounting more than XXXX , admit I have delinquent account to them in XX/XX/XXXX.I moved to XXXX from XXXX in XX/XX/XXXX. From there I never received any demand letter from XXXX XXXX XXXX, When I check my credit report in XX/XX/XXXX I saw the address tower Loan XXXX XXXX XXXX XXXX XXXX XXXX # XXXX .I contacted them to settle this account amounting XXXX $ but they said I do not have the account there I need to call XXXX Tower Loan I called and talk to the manager but said he needs to talk to their lawyer because he do not know how much I owe. They said They will call me back but since then they never called me back and I called the branch many times unfortunately they can not give me any amount I keep on calling on the branch XXXX but still do not have the amount for me to settle the loan amount.Until XX/XX/XXXX I despute the Tower Loan for collection because they can not give me information how can I settle this to the 3 credit bureaus Tower Loan verified that the item is correct so it will remain in my credit history because the company verify it correct as of XX/XX/XXXX. I called the address appeared in my credit report / history the same thing they told me I do not have an account in their office but it was reported in my credit history the address and the amount and when I called Tower Loan again in XXXX they can not provide the amount because they need to talk to their lawyer. I 've been calling them for almost a year to settle the collection appeared in my credit report but Tower Loan XXXX can not provide me the amount and the address appeared in my credit report where I owed a collection/ charge off of XXXX XXXX my account is not listed there and they said that they can not provide me information about my charge off / collection because I do not have account to them. They reported in the 3 credit bereau as of XX/XX/XXXX and verified it correct but when I called them the same thing they will say that I do not have an account from them. Since they can not provide me how much I owe and they are not helping me to settle this account in Tower Loan, I am filling complain against Tower Loan for giving wrong information about my account and the address appear to my credit report they do not have my information and data for the said loan. I even send an email through their website customer service and dispute it to them but no actions were made. I do hope you will help me to erase/delete the wrong information that they put in my credit report.
07/08/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MD 20745	Web
I owe a loan 2 years ago in Tower Loan XXXX. Amounting more than 1000 , admit I have delinquent account to them in XX/XX/XXXX.I moved to XXXX from XXXX in XX/XX/XXXX. From there I never received any demand letter from Tower Loan XXXX, When I check my credit report in XX/XX/XXXX I saw the address tower Loan XXXX XXXX XXXX XXXX MS tell # XXXX .I contacted them to settle this account amounting XXXX $ but they said I do not have the account there I need to call XXXX Tower Loan I called and talk to the manager but said he needs to talk to their lawyer because he do not know how much I owe. They said They will call me back but since then they never called me back and I called the branch many times unfortunately they can not give me any amount I keep on calling on the branch XXXX but still do not have the amount for me to settle the loan amount.Until XX/XX/XXXXI despute the Tower Loan for collection because they can not give me information how can I settle this to the 3 credit bureaus Tower Loan verified that the item is correct so it will remain in my credit history because the company verify it correct as of XX/XX/XXXX. I called the address appeared in my credit report / history the same thing they told me I do not have an account in their office but it was reported in my credit history the address and the amount and when I called Tower Loan again in XXXX they can not provide the amount because they need to talk to their lawyer. I 've been calling them for almost a year to settle the collection appeared in my credit report but Tower Loan XXXX can not provide me the amount and the address appeared in my credit report where I owed a collection/ charge off of XXXX , my account is not listed there and they said that they can not provide me information about my charge off / collection because I do not have account to them. They reported in the 3 credit bereau as of XX/XX/XXXX and verified it correct but when I called them the same thing they will say that I do not have an account from them. Since they can not provide me how much I owe and they are not helping me to settle this account in Tower Loan, I am filling complain against Tower Loan for giving wrong information about my account and the address appear to my credit report they do not have my information and data for the said loan. I even send an email through their website customer service and dispute it to them but no actions were made. I do hope you will help me to erase/delete the wrong information that they put in my credit report.
10/23/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	LA 711XX	Web
In XXXX of XXXX, I was served with papers notifying me that Tower Loan had filed suit against me. I immediately contacted the Tower Loan office and also filed an answer with the Clerk of Court in XXXX XXXX. I have since made several payments ( which I can provide receipts for ) only to be told I am still past due and they keep adding fees and penalties to my balance making it seemingly impossible to pay this debt off. I had the cash in hand but could not make it on a Friday afternoon in XXXX. I spoke with XXXX and advised him that I could come in first thing that Saturday morning ( note that they ARE open on XXXX ) to which he replied he would " meet me somewhere '' to take the payment and that he was not allowed to take a check or debit card payment by phone. I feel like Tower has harassed me and not been willing to work with me. I have explained to them that I am going through a divorce, lost income and have even been hospitalized. They do not care one bit. They continue to call me from unknown numbers. When I don't answer calls that say " unknown caller '', they leave rude voicemails. In XXXX of 2023, I requested a complete billing history from Tower Loan and was told they would get a copy from their attorney. After not receiving anything from Tower, I contacted their attorney myself. They emailed me a statement breakdown which reflected principal, interest, attorneys fees, late fees, court costs and remaining balance. They did not however show all payments made and where the attorney costs were paid. I have tried to speak with XXXX several times about getting a statement and he only says he'll have to get it from his attorney. Then they were supposed to mail me a copy but I have yet to receive it. The email also states that : " We understand that you may periodically request from our firm an updated balance on your debt. The first such request in any calendar year will be provided to you free of charge upon receipt of a written request for same. However, pursuant to La. Revised XXXX XXXX, this firm charges a fee of {$45.00} for all subsequent balance requests ( after the first one ) in a calendar year. For all subsequent balance requests, please send {$45.00} so that our firm can process your request. '' So, they can charge an individual to get information on their own loan? That makes no sense. It seems as if Tower is trying to hide something. I just want a statement that reflects ALL PAYMENTS MADE - in detail, not just amount paid in. Can anyone help me?
06/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MO 640XX	Web
I have a personal loan with Tower Loan of XXXX XXXX, MO. It has been a nightmare since. Not only were there harassing calls on my cell phone by a woman who used threats, and very aggressive tone, but it was all because of a mistake on their end because they had my name spelled incorrectly and were not allocating the payments right. payments were being made monthly. I would get an apology, then the next day more aggressive voice mails because she " forgot '' about our conversations. Now, a year later, i have changed jobs, one reason being is the harassing phone calls at work. They would have me paged over an intercom system that is used across the entire facilities campus, but if they could not contact me, they asked for my manager. I was called into his office, where at the time i was working on a promotion and was verbally warned about receiving personal calls at work. This was after several times of telling this company they can not contact me at work. After that verbal warning, my promotion that i had been working on all year was a shot in the dark. The level of credibility and professionalism was lost between myself and my manager. I then decided i need to move on from that company, i had been embarrassed. I have been working at my new place of employment ( career move with promotion ) for only 2 months. XXXX. There was a lapse of approx 2 months without a payment due to the job change and time between paychecks. I received a surprising call from Tower Loan on my work number while sitting with my new manager doing systems training. I dont even know how they got it. im not hiding from them, but i had not put it out there either. i am not only in another city but another state. At that time i told Tower Loan that i am NOT ALLOWED TO RECEIVE PERSONAL CALLS AT WORK. i went into the office, caught up on payments ( XXXX thats 3 payments ) and it has only been a few weeks and i have now received 6 calls on my cell phone and 2 calls on my work phone! I have already discussed options to have this loan transferred to another branch, but their business practices need to be brought to your attention. They also have an assumption that i owe double what i do, but they can not prove it, he just says ... my computers math cant be wrong, but will not show it to me. This is absolutely unacceptable and i wish i never accepted their loan. i was not even that desperate at the time, it was to pay off a medical bill who were not even harassing me.
03/08/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 71201	Web
I had medical issues and got behind on my payments on a loan secured by furniture and a signature loan. I kept in touch with the loan company, however they continue to call me and threaten me. They have said that they want to know what time they can come pick up the furniture, told me repeatedly that they would sue me, garnish my wages, and put a lien against my home on both loans. They try to force me to come in on a particular date and I tell them I do n't have the funds and can not come in on that day so then the threats start. They have come to my home ( I was n't here ) and left a card. They called my sister and told her to contact me and tell me that I had 10 minutes to call them back. This was approximately four days after I had been in their office and made a payment. They ca n't use the excuse that they did n't know how to locate me and needed to 'find ' me since I was in touch with them the week before. When I talk to them they can never tell me how many months I am behind. They say that my payments are n't full payments and when I ask why, they say that late charges are being taken out. I have asked them repeatedly to send me a print out of my payments and how they are applied ( this is especially important because they told me I missed a payment in XXXX and I see where I made it ). I have yet to get anything to verify the dates they 're saying I 'm behind. One person says I 'm behind since XXXX, another person says I 'm behind since XXXX. I 've even asked for the amount of late charges so I can pay them and they can be applied to the months they say I was short. I was n't short, I paid the required amount, they allocated it and make it appear that I 'm months behind on payments. Yesterday I was told that my account had been sent to an attorney for collection a month ago but I made a payment and they pulled it back. The manager said she was sending it yesterday to the attorney because I told her I did n't have the money and could n't come in before the XXXX. Then today she calls my job and leaves a message requesting employment verification ( I saved the voicemail and attached it to this complaint ). I 'm at the point where I do n't want to talk to them since it does no good. And all they do is threaten me with lawsuits and garnishments. Is it even legal for me to send in a payment for the month and they only apply part of the payment because of a late fee and then say I 'm behind in that month 's payment?
08/13/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MS 39208	Web
Tower Loan is in violation of FDCPA through harassment and bullying tactics of collections. I lost my job in XX/XX/2019 and have been hounded and harassed by Tower Loan of Pearl ( XXXX XXXX XXXX XXXX ) since then. Every call received from Tower Loan has been an argument and harassing. An employee visited my house on a Saturday morning and told me one amount to pay, but on the following Monday morning I was advised it was 3x more. I was then reprimanded by the Saturday visit employee that what he works out with me is between him and me! I receive multiple phone calls and voicemails on the same day from this company yes, I saved them. It got to be so many calls a day from many different numbers, I started blocking the calls. Communication was not a problem until they started violating CFPB. Multiple times I advised them they may only call me once a day and only leave one voicemail a day. They refused to listen. I received a letter from Tower Loan on XX/XX/2019 that was dated XX/XX/19 stating I had until XX/XX/2019 to come up with the money or they may consider legal action. I was served a court summons on XX/XX/2019 and a nasty phone call from them. I called the corp office and requested a supervisor call me on XX/XX/2019 at XXXX. I spoke to their GM XXXX the following day. He assured me they could still continue to collect on me until the court day XX/XX/19, but considering my unemployed status they would only call and check in on Wednesdays or I could call them. The first 2 check ins went well and then it went to heck. Harassing phone calls and voicemails started up. I was informed by XXXX that their GM hadnt told them anything about only calling on Wednesdays. The lack of communication on their part is no fault of mine. I received another letter in the mail today stating I had until tomorrow or they would file legal against me. UHHH HELLO you already did. I have all of the call logs from every phone line they use cell phone included and I have ALL of the voicemails that were left. I left a message for the corporate office to call me back 3 days ago and have not heard anything yet. I am naming the following as the harassers : XXXX manager, XXXX manager, XXXX, XXXX. I feel that the multiple phone calls, rude attitudes, and bullying tactics should be addressed quickly. I also feel that because of the mental anguish the agency and its preferred employees cause me, there should be some sort of relief on my end.
12/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 63640	Web
I received financing from Tower Loan to purchase a mattress in XX/XX/XXXX. Unfortunately, I had to file for bankruptcy in XX/XX/XXXX. Tower Loan violated the stay when their Regional Manager, XXXX, wanted payment on the account in XX/XX/XXXX and then belittled me for not being able to pay " such a small amount. '' I also filed a dispute regarding the account being listed with a balance and the account was updated to accurately reflect that it had been included in the bankruptcy. The bankruptcy was discharged on XX/XX/XXXX. I have scheduled 3 attempts with Tower Loan for them to pick up the mattress. The first time was XX/XX/XXXX after the branch manager XXXX, called my work wanting payment for the discharged debt and I declined. He then called me again later that evening wanting payment for the discharged debts and when I continued to decline, we agreed to have the items picked up after XXXX on XX/XX/XXXX. No one came. XX/XX/XXXX, XXXX from Tower Loan called stating that the person who was to have picked up the items on the XX/XX/XXXX had hurt their leg and was unable to do so and we set up another time, XX/XX/XXXX after XXXX. Again, no one showed. XX/XX/XXXX they called my bankruptcy attorney making false claims that I was attempting to hide the property and that they had never set up any previous dates with me to obtain the recliner and mattress. I explained to my attorney these calls between Tower Loan and myself were recorded, therefor, I had proof these days and times were previously arranged with them and who then told them they had one last attempt to pick up the items and that was set up to be XX/XX/XXXX at XXXX. XXXX XXXX XXXX arrived on time on the XX/XX/XXXX and got the recliner that was purchased on another account included in the bankruptcy, but when I informed them they also needed to get the mattress stated that Tower Loan had not advised them to get it and they would not be taking it. They had me sign that they had picked up the recliner and I made a copy for myself which clearly stated 1 # to be picked up and returned to Tower Loan and listed the recliner and it 's serial number. Today, not only did Tower Loan call to harass me again over an item I have made 3 attempts for them to pick up, but they also placed the account back on my credit report showing a balance, that it 's past due, which it was n't when the bankruptcy was filed and that it is open. This violates Federal Bankruptcy Laws.
01/12/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MS 39211	Web
On XX/XX/XXXX XXXX called my job requesting a payment I ( XXXX XXXX ) explain to him I did n't have it at the time he then proceed to ask me about my husband acct stating that he was past due and needed a payment as well. I told him I would give him he message he said why you ca n't pay it he paid yours. I told him that 's not my loan and he should not be discussing his info with me. On XX/XX/XXXX I receive another call at from Tower Loan he said his name was XXXX demanding a payment I told him I spoke w/XXXX on yesterday and explain I want have the money till the XX/XX/XXXX. XXXX said we need it before then I told him I understand but I do n't have the funds right now but I would try my best to get in but I know for sure I would have it on the XX/XX/XXXX. So as I promise the payment was paid by the XX/XX/XXXX. On the XX/XX/XXXX I called Tower Loan on XXXX XXXX XXXX XXXX XXXX MS XXXX and spoke with XXXX to let him know I would be in on the XX/XX/XXXX of this mth to make a payment he then proceeding to say that is to late we need a payment by the XX/XX/XXXX and then he asked why my husband have n't paid on his acct I told him that he was inviolation of his privacy and should n't be discussing his acct with me he response was your his wife it do n't matter I told him it does matter and not to discuss his business. On the same date XXXX visited my home and left a collection letter on our vehicle and door after speaking with me on the phone earlier that day.On the XX/XX/XXXX XXXX called me at work about payment again I told him I told you I want have it till the XX/XX/XXXX he stated if you going to have It on the XX/XX/XXXX you have it now I asked him if I could call him back he said no I said I have a customer and hung the phone up customer .XXXX called my job right back and said we need that payment today I said do n't call me at work any more I am busy and hung up the phone XXXX called right back and asked an employee for the garnishment number which was given to him. Then XXXX called back again to try to speak with me and I disconnected the phone call. I have been harassed constanly on my job and my home my privacy has been violated and I have been threaten. The employees at Tower Loan XXXX XXXX XXXX XXXX XXXX MS XXXX are rude disrespectful not to mention very unprofessional .They have embarrassed me on my job with multiple calls after been asked several time not to contact me at wrk.
08/11/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 707XX	Web
I took out a loan with TOWER LOAN/XXXX XXXX in XXXX LA XXXX on XX/XX/XXXX ... .I am constantly trying to make payments each month and this company is REFUSING MY PAYMENTS IF THEY ARE PARTIAL!! I spoke with the management XXXX XXXX on XX/XX/XXXX in the office. I told her I CAN meet the payments they have in place ON TIME by DEBIT CARD over the phone each month. The manager stated to me they can ONLY ACCEPT PARTIAL PAYMENTS IN CASH AND IN THE OFFICE IN PERSON!! THEY WOULD NOT TAKE MY PAYMENT FROM MY DEBIT OR CREDIT CARD UNLESS IT WAS THE AMOUNT THEY WANTED!! I asked her to place this in writing please, she refused to do so and told me the company would not allow it..She offered to come to my home and collect any payments I had but they had to be IN CASH ONLY SHE SAID OTHERWISE SHE COULD NOT ACCEPT!! I have XXXX XXXX children and I can not continually go to their office and make payments because they REFUSE MY PARTIAL PAYMENTS OVER THE PHONE!! She stated to me on XX/XX/XXXX that the the SYSTEM WILL NOT ALLOW HER TO TAKE ANY PARTIAL PAYMENT FROM ME THAT WAS NOT IN PURE CASH!! I asked her if she would place this in writing as well... she refused this also and stated there is no point and the company would not allow it. I am trying to keep my account current but I am being charged COUNTLESS LATE FEES MONTHLY because they WILL NOT ACCEPT MY PARTIAL PAYMENTS!!! I can not travel to get cash each month to give this company due to XXXX of my children XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. BUT I CAN PAY OVER THE PHONE!!!! I explained this to this company thoroughly and she refused to assist me in any way further. She told me it was my responsibility to get to their office WITH THOSE XXXX CHILDREN!!!! They also called me and my family a told of 42 times in 1 month repeatedly!!!! I asked on XX/XX/XXXX that this company would stop the excessive calls to myself and third parties on the application because it is beginning to become harassment. The manager refused and stated this is what has to be in order to collect payments. I asked if calls were being documented because the company even calls BEFORE DUE DATES ... the manager stated calls ARE BEING DOCUMENTED!!!! Including all calls total to third parties as well..this company has called a total of 68 times in 1 month!! I have each date and time to each person they have called!! It's ridiculous and causing me financial stress and strain!!
05/12/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AL 366XX	Web
Throughout the time my account has been with Tower Loans, my account information has been shared several times with other employees at my job and residents in my home. The representatives do not verify any account information before sharing the details of the account. I have had 2 co workers approach me about my Tower loan account. Tower loan reps are calling 3/4 times several days within a week. The calls have come in durations of 10 minutes to an few hours apart. There has been moments I call for account information or resolution, but still about receive 2 calls throughout the same day. This account has never been completely abandoned account, if I couldnt make full payments I paid partial, ls, than extra to bring it currents after hardships arised. In efforts to bring the account current after, I made an automatic payment arrangements for {$250.00} and wrote several post dated checks up to XX/XX/XXXX for an additional {$150.00}. The {$250.00} covered regular {$210.00} payment and extra {$150.00} cover any past due amounts. It was setup this way because the system wouldn't allow them to setup 2 separate automatic payments within a single month. During this time I was still receiving at least 2 calls per day stating my account was past due and needed to setup arrangements. Each time I explained, that it had already been done and the checks were physically in the office. Each time the representative stated that my account had not been noted of those arrangements and repeatedly demanded payment. There were a few incidents where the representative told me, " if you would pay my bills, they ( tower loans ) wouldnt have to keep calling you, next step is we will sue you ''. Everytime an incident occurred I spoke with a current General Manager that promised the account would be updated to prevent further " human error '', needless to say those situations repeated itself nearly every month. Despite making on and off payments to bring the account current. it had been sent to collections and they are still continuing their aggressive phone and home visits. Today XX/XX/XXXX, I missed their call, I called the office back within 7 minutes, spoke with a representative, then within 3 hours another representative arrived at my door. The company has to be held accountable for harassing customerd and sending representatives to your home,, especially during the pandemic.
02/09/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	MO 656XX	Web
My name is XXXX XXXX. My wife 's name is XXXX XXXX. For the last 3 months, I have sent multiple letters to Tower Loan letting them know that I do not have the ability to call during my work time. I have also advised that my wife be the point of contact for any information as she is much easier to reach than I am. I do not get a " scheduled '' lunch break as I am on the road or in the office doing my job and working with clients. I don't have time to be on the phone. My wife has been disrespected, yelled at, and transferred without consent and even after she told XXXX that she didn't want to speak with XXXX due to previous experiences with XXXX XXXX XXXX transferred XXXX to XXXX anyway. The result of this was XXXX telling XXXX that she didn't want nor ask to be transferred and XXXX yelled at her stating, " I don't care what you want ''. XXXX has yelled at my wife, disrespected our family and our jobs, attempted to gaslight and manipulate my wife after disrespecting her, she hung up on my wife, and belittled us. This is not appropriate nor professional. I have TRIED to respond to the phone calls with letters but even with my own signature on a letter - my wife was told it wasn't me. Tower Loan has contacted people that were not references nor listed on the application, yet told them they were - so there's another sign of unprofessionalism, it was a lie. I have informed Tower Loan that we are experiencing financial hardship. We are trying really hard to get their payments to them, so the harassment does NOT help at all. Being harassed after we have already attempted contact and have tried working with this branch with all the resistance. My wife is the point of contact, plain and simple. My wife and I have decided that going to the XXXX XXXX XXXX to report the harassment and negligence is the best option. We were directed to the CFPB. This has been a massive waste of the time that I should have been spent working. We are working on getting payments to them. Like I have mentioned, we are experiencing extreme financial hardship at the moment and we are in fact working on it. We haven't been ignoring them. They've been ignoring us. If needed contact my wife at XXXX or XXXX. The issues listed above need to be addressed as it's happened too many times.
07/13/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	LA 711XX	Web
I Received a check in the mail That was addressed to not even my real name I contacted the company and went in because they offered me a certain amount of money at the time I was XXXX being forced to give up the baby fir adoption because of financial stress with my fiance sentenced to prison was being evicted and had XXXX and the post office losing 12 packages of mine at once costing me my savings my XXXX account which was my onluly income source and i hsvent gotten XXXX back from usps over that and was the only reason i took the loan then to not e en recieve the entire loan. When i noticed the paperwork and the insurance policies i contacted tower immediately where i had to go sign papers that were to opt me out of these iklegal practices and i would recie e my money back. Nay nay i havent recieved a XXXX back and they want me to pay back what .the amou t they stole from me to buy these bogus unwanted unwarranted policies wouldve canceled out the amount i did recieve. when I went in there and they asked me some questions basic questions and then when it was time to sign the woman told me that it was just a reiteration of everything that she had just went over because I told them that I could not read and needed her to explain everything to me and come to find out they took half the money and bought bogus insurance policies for life Auto and collateral that had nothing to do with the loan I have never received a loan in my life I did not ask for this loan I did not apply for it nothing my credit was great before this the fact is they are practicing predatory behavior and phishing and picking two scams they've been brought to court over. They had not refunded me any of the money that was put towards these policies. I dont feel I should have to pay monies back on a loan that I did not receive nevermind their illegal practices including harassment showing up at my residence calling me and my family non stop when I've already contacted the company to express my concerns and was met by attitude profanity and unprofessional behavior like being hung up on. I don't have any money my bank account was closed because of this situation and identity theft as well as excess overdraft fees from my bank im dealing with. I filed for XXXX and have no income im sorry
11/11/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	MS 39212	Web
I am not sure if I selected the right option for this complaint. However, I am submitting this complaint on Tower Loan that's located on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I received an unsecured loan check in the mail XX/XX/2021. I cashed the check XX/XX/2021 and I am well aware that I am a month payment behind. I have informed them that I would pay this upcoming Friday, XX/XX/XXXX, XXXX have also informed them not to call my job or during my working hours. However, even after informing them of this they have still been calling my job. Not only did they call my job Tuesday, XX/XX/2021 the young lady who called informed my manager that I owed a debt. When my manger informed me of this I called them to let them know for the third time not to call my job. The young lady on the phone said, Well XXXX XXXX what you gon do? As if shes trying to invoke me and/or threatening me. I then replied that Ill just file a complaint and hung up the phone. I proceeded to start back working but they began to call my phone back to back, which was a total of 5 times. I did answer the second time they called and informed them that they were in violation of 15 usc 1692d ( 1 ) ( 5 ) and 15 usc 6801. I told them that I am aware that I am a payment behind and I will make the payment this Friday and that I didnt appreciate that you informed my boss that I owe a debt. Not to mention to continue calling me while I am working. Once I hung up the phone the second time they still began to call 3 more times, which was the total of 5 times. The same young lady, who will not provide her name, called my job again Wednesday, XX/XX/2021 and Thursday, XX/XX/2021. She called my phone again during those hours as well back to back for a total of 3 times. Today, Thursday, XX/XX/2021 when my manager informed her that I was not there and to not call, in which she had already informed her of this on Tuesday the young lady replied back to her, " Well it's a new day. '' and then she hung up the phone. By the time you all will get this complaint I will be caught up on payments, but I do not appreciate the harassment and providing private information about me. I have also never gave them permission to call me job from day one of receiving the check in the mail.
03/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77063	Web
There is company called Tower Loan who states that a cheque was sent to me at my address. I do not have any relation with company Tower Loan earlier as well as in current time. Neither I have contacted them, nor I have placed any request for issuing check on my name. So, no relationship between me and Company TowerLoan at all. Though they have issued a cheque on my name and sent to my address. I have never received any cheque from Company TowerLoan as well as I have not cashed out that cheque. I got to know about whole this sequence when they called me and asked of cashing cheque. I said, I do not know about this, and I have not cashed out any cheque. As per company, it was cashed out that means it was stolen and cashed out. Recently, I got to know from my local USPS office, my community mailbox is vandalized, and they have stopped delivering any mails to mailbox. Company TowerLoan was asking me to come at their office and sign Fraud affidavit with them so they can take money back from Bank and it is win-win situation for both of us as i would be free of this discussion. I declined and strictly said I will not sign any fraud affidavit with your company since I do not have any relationship with your company. Further, I lodged a complaint with local police for fraud happen on my name. Regularly, I am receiving calls and text messages from Company TowerLoan that I need to go to their office address to sign Fraud Affidavit else late fines will be added to my account and it will report to my credit history. I replied it is already filed with local police. I am ready to share complain no. Company person who called, said, we do not work with them. Company Tower Loan still insisting I need to sign Fraud Affidavit else my credit history will be impacted. My simple answer is that I do not know you at all. Why should I come to your office and sign affidavit? Second, how this company knows my SSN details which is very secure and without my consent they have used it to issue cheque on my name. Company TowerLoan has responsibility to track the person who cashed out and recover amount. However, instead of doing that, they keep calling me and making me panic and harass.
07/08/2021	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MO 64804	Web
I received a loan by mail and cashed the check on XX/XX/XXXX in the amount of {$1200.00}. I was making payments but due to unforeseen circumstances, I am unable to meet all my financial obligations. I have no choice but to file bankruptcy and hired a bankruptcy attorney. I informed the branch manager of my situation on XX/XX/XXXX. I asked that all correspondence and communications be directed to my attorney. Today ( XX/XX/XXXX ) my co-worker informed me she received a phone call XXXX on her personal cell phone ) from the company asking about my whereabouts and if she could give me a message to call them. I feel my rights have been violated as they disclosed information to an unauthorized third party. I've never listed any references to call in regard to the loan. My co-worker knows the call was an attempt to collect a debt. It's extremely embarrassing to be in this situation in the first place. But to have my co-worker know about my financial situation is very humiliating. I have no idea why they would call my co-worker or how they even obtained her number. Especially after I let them know about my situation and referring them to my attorney. To make matters worse, we work directly next door to their office and they see me walk into work every single day. Why would they not confront me in person? Clearly, I'm not trying to hide, nor can I. I truly believe this is a bullying tactic to force me to pay. Honestly, I feel as though I'm now being harassed. Which is absolutely unacceptable. To be clear, I informed the branch manager on XX/XX/XXXX of my bankruptcy situation. He ( the branch manager ) has been out of the office all week this week. I assume on vacation. I had not received any further correspondence or communications in regard to the loan until today ( XX/XX/XXXX ). His supervisor ( s ) are currently working at the branch in his place, which is even more concerning to me. I believe they disregarded the notes on my account and initiated the phone call to my co-worker. Which was completely unnecessary. I will be utilizing all available resources ( XXXX, FTC, State Attorney General etc. ) to ensure this unethical practice does not continue. Please advise.
05/29/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MO 63028	Web	Servicemember
On Sunday, XX/XX/XXXX, I dropped a cash payment in the Tower Loan drop box in the amount of {$260.00}. A couple days later we were called by XXXX stating we owed a payment. My husband informed them that I just made a payment Sunday, however, they claimed they never received it. My husband called me and informed me of the problem and I called the office and spoke with XXXX. She stated she was the first employee there Monday and stated she did not see my payment with the others. I asked if they could review cameras to see I had dropped it off but she said they did not have any. The temporary manager was at lunch and she said she would have him call me back once he returned. Once he called me back he stated they had no proof that I dropped off the payment- I made the suggestion to check neighboring business cameras to see if they have cameras outside their storefronts that could have shown my drop off, that the funds could have possibly been credited to the wrong account, or worse case- one of their employees are being deceitful and took the payment since it was cash. He explained he was going to look into it and give me a call back within an hour. The next day I still had not received a call so I called XXXX back. He stated his manager said he doesn't believe I made the payment and there is nothing they can do and they are not responsible for the lost payment. I offered to provide my ATM receipt proving I made a wd that evening prior to driving to their store, but they will not look further into the problem. Someone stole my money and they are not doing anything to investigate the situation. I intend to visit the XXXX Police Station tomorrow afternoon and file a police report. Not only am I furious that they " lost '' my payment, but they have the audacity to call me a liar and say they don't believe I made the payment. I physically placed the payment in their payment box located outside their store with my information on the envelope, I ensured the payment was fully inside before leaving so there is no way that anyone other than those with access to the loan company could have taken it. I contacted their headquarters Friday but have yet to hear a response.
03/16/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	LA 710XX	Web
Borrowed XXXX from Tower Loan on XXXX XXXX. In XXXX, La. XX/XX/2019. Never missed a payment. XX/XX/2019, a hard inquiry on my credit report. I called to ask why, the girl XXXX couldn't answer. Asked her to please make sure it didn't happen again. come XXXX I go to buy a car at a dealership and there's ANOTHER inquiry from Tower Loan. I call over, this time furious! I begged them once again to PLEASE not use my social for anything! There was no need, I'm in the car buying process. XXXX offers to finance for me, I tell her ABSOLUTELY NOT. No thank you ... well unbeknownst to me, she refinanced my loan, then called me two weeks later and told me they lost my account folder and needed me to come in to re-sign all the documents. I didn't go right away I felt it strange. A few days later she called, needed my " LOST '' paperwork signed. I go sign the papers not knowing what she had done! I realize my balance increased after my payment yhe very next month. I called for 3 weeks spoke to 3 different reps, was told three different stories. Finally they tell me it's time to pay again, I refused until they told me why XXXX renewed this loan without my knowledge or approval. This guy XXXX tells me, '' that girl doesn't work there anymore & he has nothing to do with that ''. I requested 3 times afterwards to speak to a manager " XXXX " who was on vacation! He finally called, I explained everything, he told me she doesn't work there anymore & they can't do anything because I signed the papers. I asked for a supervisor, he ( XXXX ) told me I just didn't want to pay my bill! I get to the supervisor XXXX, I Tell him I'm about to call the XXXX & FTC because what his employee ( s ) did is/was against the law ... he apologized and told me, what XXXX did only cost me a little over XXXX ... I told him I never want to deal with that location or any employee after the way they cursed & treated me, he assured me I would not have to ... low & behold, they started calling me this month ( XXXX ) 4 days before I was due. I went to another location in person, they wouldn't accept my payment! I get an alert today, there's a hard inquiry on my credit report from them, TOWER LOAN ...
09/17/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	AL 36608	Web
On XX/XX/2019, I called XXXX XXXX ( XXXX XXXX XXXX, XXXX, AL XXXX ) to find out my PO, as I paid on time for 2 years with no issue. The rep on the line advised me my PO was over {$1400.00}. I asked how is this possible when I just spoke with a woman less than a month ago there who advised me it was under {$200.00} left which is a huge difference. The rep then put a co manager on the line by the name of XXXX. I explained that I was confused and that I'd just spoken with someone who had given me drastically different information. I explained none of the reps I recently spoke with made no mention or warning about closing the small balance by a deadline. I never directed any of my panic or confusion towards him as I, myself, am in customer service for a living. He instantly got disrespectful and irate as if my problem offended him. He was extremely rude, belligerent, and used a plethora of slang and nearly curse words towards me. He even told me I need to " shut up '' and threatened me. He said that he would reverse the balloon interest that occurred because it had only been 5 days. He told me to hold on to take care of it and then transferred me to a man named XXXX. XXXX advised he was the manager and that he was " not helping me ''. I told him what the manager prior had just promised to put me on hold to take care of it so that I may pay my shortage and that I was not sure why or how he got on the line, given he wasn't saying anything. He said he did not care, that he was not helping me and did not care about what XXXX had just stated to me. I asked were the calls monitored and recorded and he told me they are not. Each question I then asked, his only reply was " I'm hanging up ... ''. I called a different Tower Loan location upset to my core and crying as {$1400.00} is not affordable especially after he promised to fix it and that it was resolvable. The location I called advised me that this store heavily gets complained on about the disrespectful managers and that the calls are indeed recorded and that I had been lied to by XXXX. I even called back to get corporate information and was denied any contact information.
08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	AL 36067	Web
tower loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are the unauthorized and unverified inquiries made on my credit profile under experian these are a defamation to my character i am trying to buy a house. Accrording to the fcra these unverified and unauthorized items must be removed as soon as possible. XXXX unauthorized and unverified inquiries are XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, these are a defamation to my character as well and must be removed as they are unauthorized and unverified per the ncra. Law 15 usc 1681 ; The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
09/14/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	LA 712XX	Web
My wife XXXX XXXX called Tower Loan in XXXX, LA on XX/XX/22 to pay off my loan. We have the phone call recorded. She spoke with the lady who says she is the manager there XXXX. In the phone call you can hear XXXX tell XXXX the payoff amount of XXXX and that there will be a fee of XXXX. XXXX authorizes the payment and gives her the card information. XXXX says hang on there was a glitch on my computer and I dont know if the payment went through. XXXX got notification on her phone that it ran XXXX and told her about it. XXXX couldnt explain why that happened. XXXX asked her to correct that transaction and run it for the whole amount because we didnt want to pay the {$2.00} fee twice. XXXX told us that she could not do that and she didnt want to run the other part of the payment either because it would charge us. We called to do the payment over the phone for the payoff and paid the {$2.00} fee as a convenience to us. She said we could bring the rest of the payment in the office. XXXX called today XX/XX/22 to be sure payoff was still {$29.00} which is amount we should owe and they told us no that it was XXXX. We got XXXX back on the phone and she was telling us it was because the same as cash option had expired and we had gotten a late fee. We should not owe any of these fees because we called to pay it off on XX/XX/22 and due to XXXX 's mistake it was not paid in full. XXXX said she called and talked to her supervisor XXXX and she told her that they could get it down to {$39.00} but we are still responsible for the {$10.00} late fee. My wife is almost 6 months pregnant and the way they are talking to her is causing her severe anxiety and stress. This needs to be handled. I have heard many people complaining about this company but this is the first and the last time I will ever deal with them. XXXX told me if we didnt pay the XXXX that it will not be paid out and it will be reported to my credit. I need to know if I need to get an attorney involved or what because this is not my fault. XXXX made the mistake and they should not be allowed to treat people this way.
08/22/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MO 63901	Web
I got a loan from tower loan put my car up for collateral. I set up payment as automatic bill. First payment came due XX/XX/2017 I waited a week then called them to find out why they had not taken the payment. I was told I would have to come into the office and I said it was automatic bill pay and they said they would take care of it. Another week went bye and still no payment came out called back and they need checking account # because they shredded it so two days later I called back for to give them checking account info. One week later still no payment came out. Called back and heard I would have to come in office and fill out another form. No problem did that couple of months went by bank rejected a payment called them and took care of it. 4 months went bye same thing happened when I tried to take care of it they said if it happened again I could no longer use auto pay fine I had them cancelled it so I could use my debit card on Friday to pay them. On Friday I called to make payment and they said I couldn't do that that I would have to come into the office I was in Pennsylvania no way so contacted their home office in Mississippi so I could pay bye debit card or online he said he would take care and he would call me back never did I called him and he said everything was taking care of. In the meantime XXXX was calling my job for me to call. At this point I'm irate to say the least. I go online to pay bill and I still can't pay it. So I call their management again and I here cash or money order so he asked me when I would be home I told him end of XX/XX/XXXX not good enough. So I asked what was next they repossess my car I hear no they didn't want the car they would abartrait and I said OK and hung up. So I called my attorney to find out if I could legally consolidate them so thats what I did. Today I was served papers that their sueing me and I have to appear in court after excepting to negotiate with dept company.
02/13/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 711XX	Web
I obtained a loan from Tower Loan on XXXX for the amount of {$2500.00} for funiture that my son needed. My son was making the payments on this loan and I was n't aware that he was behind on the payments. ( I still have n't seen proof of the fact they say he was behind ) When I became aware of the late payment, through a phone call from a representative from Tower Loan, I got a copy of my credit report dated XXXX XXXX, XXXX and there were no late payments reported on that credit report. I started receiving calls from Tower Loan representatives in XXXX, XXXX threatening to sue me because I had n't made these payments. They would call me at work, and on my cell while I was working with patients. I only answer calls while I 'm at work if they could possibly be emergencies from family members. Since I did n't recognize the numbers that called, I would answer. ALL of the representatives from Tower Loan have been abusive and agressive in their communication with me. One representative imparticular told me he pulled my credit and that it looked like I was " running around town getting loans and defaulting on them ''. I would explain that I would call them back after I got off work and they would yell and scream at me, telling me that they were going to sue me. First of all, I NEVER gave them permission to pull my credit. As far as defaulting on any loans, that is simply not true. I have been fearful of answering my phone since this started and I should n't be made to feel that way, since I pay my cell phone bill, not them. I find it hard to believe this is a legal way of collection practices. I have read the Fair Debt Collections Practices Act and it seems that this is highly illegal. I have since hired a credit expert and she is helping me get all of this mess handled. I am sending a copy of this to the FTC in hopes that someone can stop these people from doing this. Thank you for your time
09/25/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	LA 713XX	Web
I got behind with payments on a loan with Tower Loan back in XX/XX/XXXX. In XXXX the company hired a law firm which petitioned the court to grant a judgement against me for the amount due on the loan and attorney fees for the firm who petitioned the court on their behalf. I reached out to the company when I received the court summons on XX/XX/XXXX. I was told to contact their lawyer. A week later a worker called me and asked me to pay what I can on the account. I was told they were not going to sue me. On XXXX XXXX I made a payment of XXXX. On my receipt given {$2500.00} is listed in the balance area. On XXXX XXXX I made another payment of {$500.00}. I was given a receipt, but no balance was given on the receipt. I explained that on the previous month when I made a payment that the person gave me a receipt and a balance was noted. The worker said they don't do that if their lawyer is handling the account. I told her that the person who took my payment previously was the other worker who was in the office currently with her. She said that was the branch manager. She said they aren't supposed to put a balance on my receipt. I keep getting told to contact their attorney. If the petitioned never went before a judge and they chose to let pay what I can why am I not getting a current balance on the actual loan. The interest on the loan is extremely high at 35.56 %. I have actually paid the amount borrowed and more than that. This company is operating under fraudulent terms. How is a company receiving money for payments on a loan but doesn't provide a balance? This company is also constantly calling after I've repeatedly told them that I can't receive calls while at work. The company calls from numerous numbers. The workers are very rude. I was given a check of {$420.00} in XXXX. I didn't fall behind on payments until about XX/XX/XXXX. How is it the law firm is petitioning for over {$3000.00}?
05/15/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MO 63130	Web	Servicemember
On XX/XX/18 I contacted Tower Loan in XXXX XXXX, MO to request approval for insurance that I opted in for when I originated my loan, in case unemployment occurs during the life of my loan repayment. The Branch Manager assured me that she would send out the paperwork and if approved I wouldn't have to make a payment on my account for 3 months if my unemployment continues. On XX/XX/XXXX, at XXXX a representative from Tower Loan contacted me and informed me that he was calling about my past due amount. I informed him that I was waiting for the paperwork that was supposed to be mailed to me and if I didn't receive it by the next day, that I would contact them. I reminded the representative that I'm unemployed and can't make a payment. Five minutes later the representative called me back and informed me that he needed to discuss my past due amount and making a payment. At that point, I stated, " I'm confused why you're asking me about making a payment if I have insurance that will pay my monthly payment. '' I then informed the representative to only correspond with me thru mail and email because I feel that I'm being harassed. He then told me he wanted me to talk to the branch manager. The branch manager got on the phone and immediately started talking to me in a hostile and abusive tone. I informed her that I didn't want her company to call me due to me feeling harassed and disrespected by her and the representative. She told me that she had a right to call me and could, and would continue to call me as much as they wanted even if I told them I didn't want to be called. I informed her that as a customer, I have the right to ask for further correspondence to occur thru the mail or via email. She told me she didn't know where I was getting my information from, but that she would continue to call me. I've contacted the area manager, but I'm still being harassed by this company.
02/07/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MO 640XX	Web
Was not properly served. I contacted law office and explained the process server lied and said they served the the papers to someone name XXXX. On XXXX. I was not properly served. No one one was even at home that day and the time is not on the Server order. In fact I was not home the entire week. I would like them to discribe the person that was served. Attorney XXXX XXXX from the XXXX XXXX XXXX XXXXXXXX XXXX said he would contact the Process server. And I never heard back regarding it. Also Tower Loan was untruthful is stating I did not call their office in XX/XX/2020. There has been 2 occasions where the truth has not been displayed. I agreed to pay monthly. Before Covid my payments where timely. After Covid I contacted Tower Loan to explain me financial hardship. I have missed only 2 payments during Covid due to several months of Quarantine. Being ill and evacuation do to XXXX XXXX outbreaks. Tower Loan is issuing a wage garnishment. I successfully paid off my first loan to Tower Loan. This 2nd loan was for my ex husband who did not repay what he committed to. So I was held responsible because it was in my name. I am asking for Mercy from Tower Loan company. I have been faithfully paying before Covid. A Garnishment would cause more of a hardship I am currently behind on my Mortgage payments as well. I live alone with no other financial help. I am requesting the Garnishment stopped and allow me to continue making monthly payments. I also want an investigation done regarding the process server if they lied about serving me than they can not be truthful on the process serving of othersXXXX XXXX XXXX XXXX XXXX XXXX has the contact information to contact the Process server who claimed they served me. I pray that Attorney XXXX XXXX will produce the documents of the process server for viewing. I believe there was Fraud involved in the serving process. Thank you in advance
05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70126	Web
Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
01/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MS 39047	Web
After reviewing my credit report I noticed two inaccurate inquiries on there being reported by Tower Loan in which I have disputed them and put a fraud alert on my account as well with the creditors and the credit bureau is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. The last two letters I sent certified with tracking numbers in which Tower Loan did not respond back until after my third certified by mail letter. My complaint is towards these unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by Original Creditors on my credit reports. Regarding the following inquiries < Tower Loan from XX/XX/XXXX and XX/XX/XXXX > I have disputed these unauthorized inquires for several months with no help from Tower Loan. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature on order and still have not received any from this company. I have NEVER applied for credit online or in the store with this company. I called and spoke with a supervisor who stated that these two inquiries were not authorized by me at all but they needed an update address for a bill. I DID NOT AUTHORIZE Tower Loan to pull my credit not once but twice they pulled it to find my address??? ABSOLUTELY NOT!! no reason to pull a HARD inquiry on my credit report without my authorization! Tower Loan's credit department also informed me that both inquiries will be dropping off my credit report in just a few months, they didn't see what the big deal was??? REALLY??? These people were RUDE and very inaccurate on their information that was given to me. I am demanding that both of these unauthorized inquiries be deleted from my credit file immediately!
03/13/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AL 360XX	Web
I got injured on my job back on XX/XX/XXXX. I obtained the loan back in XXXX of XXXX. My payment were around $ XXXX a month and was made every month up until I was injured. I had XXXX on XX/XX/XXXX and XXXX for my other loans and car loan had kicked in and started to pay but this company along with another company denied it. I had XXXX insurance with this company but was denied coverage. They filed judgement against me in which I filed for a Motion to Stop Garnishment because I was trying to get back on my feet from having a XXXXXXXX XXXX XXXXXXXX. The Motion to Stop Garnishment was approved and I was set up to make {$100.00} a month towards Tower Loan debt to the attorney office named XXXX XXXX XXXX. I had paid the debt for XXXX months and for the months of XXXX I started to get in a bind again with my other bills because I was missing work due to Covid being inside the work place and they sending us home. This judgement was entered for a amount of {$3000.00} and it started up in XXXX of XXXX. From my calculation of my check stubs I am finish with this judgement but when I call XXXX XXXX on XX/XX/XXXX and asked for a settlement XXXX told me $ XXXX is 25 % of the balance and I knew something was not correct. I go to the court house on XXXX XXXX to see why the balance is off and they give me the same judgement paperwork where the amounts has been changed from {$3000.00} to {$4200.00}. I am trying to see how can a amount be changed on a judgement or how can a company add that much interest in XXXX months. But when I asked XXXX what was the original balance for me to pay off she said it was {$3000.00} my balance on XXXX XXXX, XXXX was a little over $ XXXX payoff was a little over $ XXXX. How did this company add $ XXXX to a judgement that was already entered for a certain amount and used the same documents and whited numbers out.
01/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 711XX	Web
Several years ago I defaulted on a loan with Tower Loan @ XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX. The default was due to losing my job. In XXXX of XXXX I contacted this company to obtain the amount owed as I wanted to pay them. I was quoted an amount that was significantly higher ( more than double ) than what was recorded on my credit report. I could not afford to pay the large amount at that time, so I did not take any further action. Later in XX/XX/XXXX, I noticed an inquiry from Tower Loan on my XXXX XXXX and XXXX credit reports although I had not applied for credit with this company. At that time I called the company to ask about the inquiry and I was told by the manager that they have a right to check my credit because I still owe them. In XXXX of XXXX I was sued by Tower Loan and my wages garnished to pay the debt. Since that time payments have gone to Tower Loan uninterrupted from my paycheck. On XX/XX/XXXX I noticed another hard credit inquiry from Tower Loan although I have NOT APPLIED for credit with them. I called the office the next day and spoke with " XXXX '' who identified himself as the Manager. I asked him about the recent inquiry and he stated as follows : " Yes I made the inquiry, It was a mistake. We have the right to check your credit every 30 days, but I am working to get it removed ok. Okay, have a good day, bye bye. '' after saying his piece he hung up the phone although I was trying to speak. I am very concerned as to why Tower Loan is still able to make Hard Inquiries on my credit even though they have sued me and I am paying and fulfilling my end of the agreement. Regardless of my efforts they continue to haunt me. Is this legal? Can they check my credit " when they feel like it? '' Is this an infringement of my privacy? What can be done to stop them and remove the inquiries?
09/02/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	LA 71446	Web
I took out a loan with Tower Loans of XXXX la 17 months ago. I was told at the time, that I could repay the amount within 30 days for a {$200.00} - {$300.00} principal charged. I borrowed {$1200.00}. The manager at this establishment insured that I could repay within 30 days and it would not be added to my other personal loan balance. She sat with me and my husband with quick sign here comments. Less than a week later I went in to pay it off and I was told my payoff was {$3300.00}. When I asked about what I had originally been told, I was told that had been a false statement and how much will you be paying today. Feeling ashamed of myself for being fooled I have went in every month for the past 17 months and paid {$230.00} each time. Making my total paid in this time period {$3900.00}. I called for payoff this week and my balance is still {$2000.00}. Hearing this infuriates me. I have paid more than double the amount I was promised I could originally pay off. I spoke with XXXX the district supervisor and was made to feel like I 'm just trying to get out of paying my bill. I asked him some questions that he refused to answer. Like the APR and his cap % as well as how the principal is charged. He then took it upon himself to hang up on me. I feel this company SHOULD be looked into for unfair practices. I have basically paid almost {$4000.00} in PRINCIPAL. This should be illegal. Not to mention the tactics used to get me to sign a contract agreeing to this. I forgot to mention the harassing phone calls and overall BAD ATTITUDES of All their employees including the District Supervisor. The District Supervisor also told me, you 've been paying it for over a year, why is it an issue now. Well because I honestly believe I 'm being treated unfair and I honestly believe TOWER LOAN is breaking the law.
10/22/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MS 39503	Web
I have on numerous occasions contacted this company to work out a resolution on a charged off account that was dismissed in a Chapter XXXX bankruptcy, this personal loan was refinanced on four occasions and a set of interest was added, bringing the overall amount due to be unrealistic, I had talk to the manager in XXXX, Mississippi, and was plainly told that he had already signed a garnishment against me and under the federal Jones act, for maritime seamen, this is invalid, I was directed to the branch manager and I did try to reaffirm the loan in return for them to remove the negative remarks and report it as such, I have to try to make this account right, and I am seeking a resolution for them to remove the excess interest, and to reaffirm the debt out of the chapter XXXX, and I will pay this account if they will stop at the threats, and I asked for my credit report to be corrected with a letter stating such, upon both parties agreeing on the reaffirmed account, I am not only protected from their threats of garnishment by the Jones Act, Federal law ( 46 USCA 11108 ) exempts seamens wages from garnishment, and in the process thereof, immunizes the employer from any liability for refusing to honor any such garnishment. This account is also past the Mississippi statue of limitations of 3 years for court filings, but yet I am awaiting a written response from this company as to a fair resolution and a correction to my credit report immediately, this account is scheduled for deletion in 11 months but I am willing to do the right thing if this company will also do the right thing. This matter was brought about for a situation beyond my control with two major events, divorce and XXXX XXXX, and I think we can reach a fair resolution if this company so desires.
06/13/2023	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77025	Web
On XX/XX/2023, XXXX ( manager of XXXX, TX branch ) came to my home/PLACE OF BUSINESS ( on the loan records my income is listed as sole proprietor income with the address listed, she visited on file ). Her visit was not only DANGEROUS FOR HER especially with her bad and aggressive attitude but unwarranted, embarrassing for my business, and ILLEGAL. She was asked to leave, numerous times, as I was not there and out with a client, and she kept discussing my account via my ring camera in the public where I conduct business ( video can be sent if necessary ). Then left a notice on my door that was ALREADY mailed to me. After speaking with me numerous times via phone from their company lines and personal ( I assume ) numbers ( phone log can provided ), she showed up to my place of business unwarranted and looking for a fight ( she was aggressive, again I have the ring footage ) attempting to collect a debt, that she/Towerloan has been in full contact with me about since BEFORE my first missed payment as I contacted them to make arrangements/notify them of my situation. Since my initial contact to notify them of my situation, Towerloan has contacted me literally 2 to 3 times a week for the past month, the phone harassment got so bad I asked them to stop contacting me and notified them AGAIN I would pay when settlement is received, and I would no longer be answering calls due to their consistent harassing phones calls. Her visiting my place of business is pure harassment ( on camera she stated she was there because I told them to stop calling harassing me ) and intimidation, especially saying they have been in consistent contact with me! I reached out to them BEFORE the account went into late status, the harassment is unnecessary and again ILLEGAL.
01/05/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	LA 70737	Web
On XX/XX/2022, I compiled a package to send certified mail to Tower Loan XXXX at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, which was received and signed for on XX/XX/2022. The package consisted of the following documents : 1. an Affidavit of Fact that included violations Tower Loan and its office ( s ) committed - signed and notarized, along with accompanying exhibits as evidence of said violations 2. a Debt Validation Letter to Tower Loan and its office ( s ) requesting signature, along with requested documentation that would validate the alleged debt in order for me to pay it 3. a Cease & Desist Letter to Tower Loan and its office ( s ) requesting signature, which would permit Tower Loan and its office ( s ) to contact me in writing ONLY, while awaiting their response to the Affidavit of Fact and Debt Validation Letter 4. an Invoice corresponding to violations committed by Tower Loan and its office ( s ), with each justifying a {$1000.00} fine per occurrence, totaling {$8000.00} Tower Loan and its office ( s ) were given 30 days to respond in writing, by which if not done, the Affidavit of Fact would indeed stand as fact. While waiting for their response, I was harassed repeatedly through 29 phone calls, subsequently violating the terms of the Cease & Desist Letter. Those 29 calls also violated the Telephone Consumer Protection Act ( TCPA ) 47 USC 227 ( b ) ( 1 ) ( A ) ( iii ). With accompanying proof of each call that violated this, I am seeking the allowable remedy of {$1500.00} per call, totaling {$43000.00}. This is in addition to the {$8000.00} remedy requested in the initial invoice referenced above. Throughout this entire ordeal, Tower Loan and its office ( s ) has defamed my character, caused financial harm and sullied my reputation.
12/06/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MS 394XX	Web
This company is Tower Loan. They are calling me saying they can not get ahold of my relative whom lives at her own residence. This relative has apparently signed a title loan, which I knew nothing about. They have her current residence, phone number, and LOCATION. I have never done business with this company and I have never given anybody permission to call me from this company. The first call was on XX/XX/18 at XXXX XXXX from XXXX. They called my home telephone and did not leave a message. I returned the call and they said they were calling in reference to someone else and they hung up. They called again the next day on XX/XX/18 from XXXX at XXXX XXXX on my home telephone and did not leave a message. I returned the call and they said they were trying to reach my relative. I responded by stating she has been at her current residence with the same phone number for years. I can not help that she may not answer her phone as she may not always hear it. The caller also stated to me " I wasn't going to ask you for money ''. I stated to her " my relative 's car was at a body shop and had been wrecked and she may be riding the XXXX XXXX XXXX bus for errands and may not be home '' ; however, they already knew that her car was wrecked! Debt collectors can only contact your family to locate the debtor, not to collect money for another 's debt, and theyre only allowed to contact a person once. Debt collectors arent allowed to tell your family about your debt unless youre a minor under age XXXX or the family member cosigned the debt with you. Otherwise, theyre breaking the law. And if the collector already has the debtor 's address and phone number, theyre not allowed to contact your relatives at all. So why am I being called from this loan company?
08/16/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MO 641XX	Web
On XX/XX/XXXX I was told by Tower Loan that I could refinance my loan, giving me back $XXXX cash in my pocket and that would bring my loan current (for XXXX and XXXX payments)- therefore I had the money to spend on other bills. I was told I had to come in the office to sign the necessary paperwork. Once I got there, I was told that was not an option and that I needed to make my payment THAT DAY. I asked if the refinance option offered to me was a way to lure me into the office to get me to try to pay and they said, unfortunately, yes and we do apologize. I left the office. This took time away from my work schedule, and I clearly could have made the payment over the phone IF I had the funds available to me, which I did not! I have since made my XXXX payment and as of XX/XX/XXXX I owe my XXXX payment of $XXXX. I told them I would pay this over the phone on XX/XX/XXXX and they agreed that was ok. AFTER I made this payment arrangement, a different employee called me 5 minutes later asking for payment. I told this person I JUST spoke to someone in their office and set up a promise to pay, they apologized and hung up. This is a small office (5-6 employees total, maybe). On XX/XX/XXXX, they called me at XXXX, left a voicemail, again at XXXX and again at XXXX. This is 3 times in less than one hour. On the 3rd phone call, I answered, WHILE DRIVING, which is distracting and explained to them I had told them I was already set up to pay on XX/XX/XXXX and he said if I did not pay today (XX/XX/XXXX) they would increase my monthly payments by $XXXX and report me to the credit bureaus. This is harassing to me, they have lied on numerous occasions and I do not feel they should be able to contact me 3 times in 40 minutes.
08/29/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	TX 78728	Web
My wife and I took out an installment loan from Tower Loan on or around XX/XX/2023. At the time of the loan closing, we were not informed of the available methods of making payments, nor were we given the monthly due dates. About a month later, we started receiving numerous phone calls from Tower Loan asking for their first payment. When we told them that we had never received a statement, the response given to us was that they don't send them out. Instead, they just call their borrowers over and over until they make their payments. Tower Loan does not have an online portal that accepts payments, and can only receive payments at their office. We then set up an automatic monthly payment within our own bank that would mail a check to Tower Loan 's location near us on a monthly basis. About a month after this, we started receiving numerous phone calls from Tower Loan, claiming that we had not paid them. I checked my banking records and confirmed that the payment had indeed been sent out. They claimed they never received it and that I needed to stop the check on my end. I did so, and now Tower Loan is claiming that they attempted to deposit the check ( the one that they earlier had said never arrived ) and are trying to charge us a stop payment fee in addition to late fees. XXXX I pointed out that the stop payment was at their request and provided proof that we had sent in the payment, Tower Loan said that they would consider removing the fees. At the present, however, they have not responded. The fact that they do not send statements, leaving us without knowledge of the remaining balance, interest that has been charged, and any fees assessed seems to be in violation of 1026.5 ( b ) ( 2 ) and 1026.7 ( b ).
11/10/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	LA 708XX	Web
On XX/XX/09 I spoke with XXXX at XXXX XXXX and advised her I'm having an hardship and will be out of work long term with no income. XXXX didn't offer any options or empathy. In a very condescending tone she advised she had nothing to do with me being out of work, that has nothing to do with her. I should not have borrowed the money from them in the first place and I need to borrow the money and I better have the money by the XXXX or else. I advised I was recording her she said what is that going to do she don't care and she hung up in my face. I was distraught so I proceeded to call my daughter in law. My daughter in law called and spoke to XXXX asked questions about the loan and asked what options do their company offer to help consumers that lost their jobs? XXXX advised a XXXX month extension. My daughter in XXXX advised my situation will last longer and asked what are the next steps? XXXX advised her assets will be picked up and if she didn't give it to them she is going to jail. My daughter in law advised XXXX she can not say that, that is unfair debt collection XXXX then advised she spoke to the judge and XXXX XXXX said she going to jail as well. My daughter in law advised her company is practicing unfair debt collection she started laughing and hung up we tried calling back and was constantly being hung up on, So my daughter in law called a XXXX XXXX in XXXX XXXX advised what happened they advised a district manager would return my call, no one has called. The Fair Debt Collection Practices Act ( FDCPA ) makes it illegal for debt XXXX to use abusive, unfair, or deceptive practices when they collect debts. XXXX is definitely in violation and I have a witness that heard every word she said.
02/01/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MO 638XX	Web	Servicemember
Loan was taken out in XXXX of XXXX, I had also taken out the insurance that would cover the payments, if anything happened. In XXXX of XXXX I had broken my foot and was unable to work for over a year. I asked Tower if the insurance would cover the payments, and at the time they told to bring them medical records, and it would be covered. I had several problems with Tower loan doing the correct paperwork work to get payments made like they should've been. I was told ins only made two payments and the rest was on me to make even though I had taken out the ins to cover such things if they did happen. I had asked them at different times for a print out of payments that had been made by myself and the ins company and have never received one. I was issued a summons in XXXX of XXXX served by a deputy to appear in court in XXXX XXXX I called the XXXX XXXX XXXX was told to meet XXXX XXXX at the courthouse on that day and she would have the agreement paperwork for me to sign stating I would pay 200.00 a month. I met with XXXX outside the courtroom and was told " here is the agreement for you to pay 200.00 a month sign here, I have to get back in there '', nothing was explained to me nor did I receive a copy that day. I asked if she was going to mail me a copy of the agreement, she stated yes and I have still not received a copy of the agreement. I started making payments of 200.00 a month in XXXX. XXXX I was unable to make a payment in XXXX. I was going mail in a payment today, XX/XX/XXXX, but had gotten a garnishment letter with added expenses making the total from XXXX to XXXX to where after paying down to XXXX they added XXXX more to what it was with an interest rate of 51.91 % being compounding now.
07/07/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MO 65802	Web	Servicemember
These alleged actions violate the Fair Debt Collection Practices Act ( FDCPA ), which is enforced by the FTC. By law, debt collectors may not : call you before XXXX XXXX or after XXXX XXXX. contact you at work if youve told them verbally or in writing that your employer doesnt allow you to get such calls in the workplace contact a third party, such as a friend or non-spouse family member, about you for any reason other than getting your contact information harass or abuse you or anyone else they contact about you lie about the amount you owe use deceptive methods to collect a debt from you. For example, they may not : claim to be law enforcement officers claim that youll be arrested if you dont pay your debt threaten to seize, garnish, attach or sell your property or your wages unless they are permitted by law to do it and intend to do so give false credit information about you to anyone, including a credit reporting company use a fake company name Ok so now we know the laws on XXXX XXXX XXXX I received a call at XXXX XXXX I was contacted by Tower Loan of XXXX, MO on XXXX XXXX and was asked why I was late on my payment So then I told them I 've entered into Chapter XXXX Bankruptcy and was told by my Lawyer to give them Her Contact Information and I was then Transferred to the Manager there he immediately told me to give him a time to come pick up the collateral against the loan I have with them. I told him there not getting the Collateral I 'm Filing Chapter XXXX Bankruptcy and attained a Lawyer to contact her. The Manager got verbally load and unreasonable telling me to hand over the collateral that Bankruptcy does n't matter that is there Stuff. I got load with them and hung up.
12/06/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	MS 392XX	Web
XX/XX/XXXX Tower Loan XXXX XXXX XXXX I didnt get the mans name he identified him self as the district manager. He asked me how I wanted to make my payment to get my account up to date. I told him that I am currently unemployed and can not make any payment until the end of next month ( which would be XX/XX/XXXX ). I told him that if he cant wait until next month to go ahead and take me to court. 1. He replied that at this point he could take an application to renew the loan and I wouldnt have to pay again until next. - I rejected that offer because I wouldnt be able to pass the credit check. 2. He said that he could do a deferral but I would have to pay XXXX on the account. - I told him again that I dont have the money. 3. He told me to go pawn something or borrow some money from a friend or family member. - I told him that I was in the middle of a divorce, living with my dad, didnt have anything to pawn and couldnt borrow any more money from family. I again told him that I had money coming in next month. XXXX. Then he proceeded to list all of the collateral that I had listed on the loan and threatened to come take it, because I was refusing to work with him. At this point I got upset and told him to just take me to court again because I didnt even have most of my collateral because its already been sold or pawned. I didnt have any way to make any payments. After he threatened to come to my house and take my collateral and him telling me that I must have something that I could pawn its only XXXX. I told him to just take me to court because I cant make a payment. He then threaten me that the XXXX that I owe now, will turn to XXXX if he files a claim against me.
12/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MS 39212	Web	Older American, Servicemember
on XXXX XXXX, I went into XXXX XXXX XXXX XXXX placed a application for a XXXXXXXX XXXX XXXX through Tower Loan, i was told that the loan would be 180 days, same as cash. The ring did not fit and needed sizing. I was told that it would take a week. on, XX/XX/2022, i received a Call from Tower Loan, the person calling was unaware of payment terms, this made me weary because i didn't want any problems, or any damages to my Credit. I Immediately told her that, if the terms were not as stated, I would like to XXXX XXXX account, because i still did not have ring. She said she would get me the facts and call me back. After several conversations with Tower Loans Staff, I decided that it was in my best interest to Cancel this Loan, Because no one knew the terms of the loan, they were very Rude, demanding, threatening, unprofessional, while using intimidating tactics to force me into this loan, that i did not want, nor had possession of any items. on XXXX, XXXX, XXXX I spoke to the XXXX XXXX XXXX XXXX, who agreed to void contract, he said if the ring was still at XXXX XXXX XXXX XXXX he would be glad to Void contract, the ring never left XXXX XXXX and is still there. In XXXX I started back getting phone calls from Tower Loan, each time, i would state that they need to talk to the manager, because he told me he would Void contract. Finally, I called and spoke to XXXX XXXX again on XX/XX/XXXX, but this time he had a mean and nasty attitude, and refused to cancel/ void contract as previously stated, so now I need help, because, this company is threatening to damage my credit for a loan, i asked to void before any payments became due, and I never received any merchandise ( the ring )
12/15/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MS 395XX	Web	Servicemember
I was paying off a loan until my income vhang d drastically. I had paid over a year and was down to {$300.00}. Tower Loan garnished my wages. My bank informed the company that my income was federally protected XXXX XXXX direct deposits. The creditor resent the garnishment order again anyway and removed {$300.00} fromy account and had the bank to freeze my account for XXXX XXXX. I contacted the bank and they told me to contact Tower Loans. I contacted the manager and asked her to release my funds on XX/XX/2019 She was extremely rude, unapologetic, and said that she was told my funds were protected but that she could release the funds back to me whenever she wanted to then hung up the phone on me. She refused to talk to the bank representative or release my funds. I had already dealt with Tower Loans manager when she came to my house to repossess the collateral furniture I had bought through the loan company. I brought the items to her to satisfy the {$300.00} remainder on my loan. There was a couch, rug, and two bed frames. The manager said she could not take the items in her car that day bout would return with a truck. She never came back and instead garnished my account month after month. I was not protected by my bank XXXX XXXX whom I have banked with for over 10 years. Tower Loan is deceptive. I had XXXX perfect loan histories with Tower loan but fell on hard times with a mere {$300.00} balance and they refused to work with me and decided to mess up my accounts placing holds, holding money I needed to pay rent, buy diapers, and feed my children. Tower Loan on XXXX XXXX in XXXX XXXX XXXX not a good company to work with.
11/23/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 76513	Web
Hello, I am filing this complaint against Tower Loan due to never receiving the information I was told would be provided for my loan account. I have been told that there is some " bug '' in their system that is preventing me from receiving the e-statements that are supposed to be emailed to me each month showing my payment date, payment amount and payment information. Every time I have tried to reach out to Tower Loan I have been told this is being worked on and that there is no time frame as to when this will be fixed. I have been waiting since XXXX. The other day I received some letter stating that this issue was of non high priority and that my account was not considered to receive any attention regarding this issue and that most customers do not face this issue. Instead of trying to resolve this issue by getting it fixed I was told that I needed to contact the area Supervisor which I have and which is whom stated there was no time frame established for getting this issue resolved. Being told that my account situation is not of any importance is not going to be accepted by me. The person that wrote this letter if they are unable to fix this then they should take the time to figure who can. The person who wrote the letter is named XXXX XXXX. Well XXXX to tell me that my account is not of any importance to your business only tells me one thing that your company doesn't deserve my business for the simple fact that your company needs to be thrown out of business if your company is not able to assist customers with their situations. Thank you, XXXX XXXX
11/12/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NE 68154	Web
On XX/XX/XXXX Towner Loan in XXXX, Missouri called my phone 7 times in A ROW in the middle of my work day. By the 8th phone call in a row, literally back to back, I stepped out of a meeting and answered and asked them to stop calling. HE LITERALLY CALLED back immediately after I hung up. I blocked the number so I could get back to my meeting. The next day I left a voicemail with XXXX XXXX, the regional manager, explaining my frustration and asked him to call me back. I never heard back from them but received numerous calls the following Monday and Tuesday from a different phone number but from Tower Loan. When I asked one of the employees ( XXXX or XXXX ) for the corporate Tower Loan phone number they gave me the phone number to XXXX XXXX but still couldn't provide the corporate number. I XXXX and found the number myself and told them the situation. Within ten minutes XXXX XXXX finally called me back after I'd left him a voicemail about them calling 8 times in a row. XXXX has been calling my family members every other day even though I have been in contact with him the whole time. They are contacting me about an account that I told them someone else opened someone else stole my identity and I have filed a police report and Tower Loans knows all of that information and has used this tactic of calling me 8 times in the middle of my work day. numbers they have called me from XXXX Blocked this number and asked not to be contacted XXXX Blocked this number and asked not to be contacted Still received calls from these numbers XXXX XXXX XXXX ( XXXX XXXX )
11/26/2021	Yes	Debt collection Payday loan debt	False statements or representation Indicated you were committing crime by not paying debt	MS 39503	Web	Servicemember
This Debt was never my Debt, My ex-roommate obtained this loan. I explained this to the XXXX XXXX who was contacting me telling me first he was a lawyer, then he said he was going to file criminal charges for wire fraud if it was not paid. He then told me he would ruin my credit if it was not paid. So I continued to try and tell him this was not my debt and have been telling him since this all started this was not my debt. So this year they hit my personal checking account for this debt and both of my covid19 relief checks were taken. I found out today that the covid checks were not supposed to be taken. the IRS got Towers loans info to investigate. But the reason I am writing this dispute is that I keep contacting tower loan headquarters in XXXX about the covid 19 check and the fact they are reporting this wrong. So my account was drafted the full amount, but, they have been reporting to all 3 credit bureaus an outstanding balance, wasn't marked as fraudulent, and just recently it was marked from being unpaid with a balance to now it's marked as charged-off with a balance. So after talking to an attorney he asked if I had filed this with the CFPB and I told him no so he said I should. He is looking at the fact this is being reported as a charge off now but it's paid in full. So depending on what he charges I am looking at taking this to court. I have also filed a complaint with the attorney generals office about him being an attorney and ruining my credit so I am sure they will be sending the CFPB something soon on him aswell
05/07/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	LA 71106	Web	Servicemember
At approximately XXXX XXXX on Monday, XX/XX/XXXX I came home from lunch ( I work XXXX XXXXXXXX ) and found a white car sitting in my driveway. I had to wait on them to pull out so I could pull in. When I approached the car it was a representative from Tower Loan of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. She stated I owed money and needed an arrangement. I told her I had a pending Chapter XXXX filing and we'll be in touch once I get the case number. She unbuckled her seat belt and stated she was going to come in and get my personal property collateral I supposedly gave them. I told her she can't do that and she stated she could because I signed some form. She had no court order or sheriff officer with her, nor have I been served with a lawsuit regarding such debt. I told her to leave my property or I'll call the police. She said she was calling the manager and parked her car on the street blocking my driveway so I could not leave. I had a meeting so I went back to work in my XXXX office. 15 minutes later a blue car pulls up and the gentlemen continuously knocks and rings the doorbell for 19 minutes. He left his card, name was XXXX XXXX. I was unable to call the police due to my work meeting. I felt very threatened and could have easily treated this as an attempted home burglary resulting in a 911 call, which will happen next time regardless of my work schedule. To top it off, the letter she left me stated I had until the XXXX to make arrangements for the alleged past due and they are trying to steal property on the XXXX.
05/23/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MS 39301	Web
My husband and I enrolled into a debt consolidation program XX/XX/XXXX. I notified every creditor, whether credit card, loan, or medical collection agency, that we were now in a debt consolidation program and being represented by XXXX XXXX XXXX. I gave them their email address and phone number to our attorney XXXX XXXX. ( Phone XXXX ) Both Tower Loan and XXXX XXXX continue to blow our phones up daily ( 5-8 times a day on my and my husband 's phone ), even after being informed several times of the situation and to please not call us but the attorney. I have been told by XXXX XXXX that they have not received any paperwork and even if they did, they have a right to continue to call us as much as they want ( this came from the manager ). Tower Loan ( today XX/XX/XXXX ) advises they have not received any paperwork and that they can not contact or talk to the attorney handling our case either. They too call 5-8 times a day, both our phones, and today the manager informed me, and I quote, " just know it is your fault I'm going to sue your husband ''. I got off the phone with Tower Loan and contacted XXXX XXXX. They inform me that letters have been sent out that we are enrolled in their program and that steps are in place to negotiate with them. They also informed me that these companies are allowed to speak with them due to the Power of Attorney my husband and I signed. She informed me to contact CFPB because we were being harassed and it is unnecessary as they could very easily call them and negotiate terms.
12/17/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	LA 701XX	Web
After doing business with Tower Loan this company has included interest and additional fees not in disclosure form and unaffordable rates to the consumer, in which I have not made a payment. Tower loan has attempted to collect {$1200.00} & has directly violated 15 USC 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Tower loan company policy does not supersede federal law this company is non compliant to abiding by lawful statue. This company is also violating the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practice Act ( FDCPA ), and the Gramm-Leach Bliley Act ( GLBA ). The consumers right to protection of non public personal information 15 USC 6802. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
06/10/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70663	Web	Older American
On XXXX XXXX , 2017 i re ceived a phone call from Tower Loans ( I have a loan from them since XXXX 2017 for a be d i bought ). The woman on the phone did not identify herself but I knew it was Tower Loans from the Caller ID. She said " Why do n ; t you cone in today so we can give youa {$1000.00} loan. '' I said not hank you aI already have a lo an I m pa ying you. She then said, XXXX XXXX you ned to come in and pay your past due amount. '' I said I do not have a pass due amount, Iit is not due until XX/XX/XXXX . She argued with me and said no it was pass due on XX/XX/XXXX .I said " No, I am looking at paperwork and it explicicty says XX/XX/XXXX '' my sone was near me as I had phone on speaker, so he heard the whole conversation - she said " Ma'am you need to come to XXXX XXXX now and pay your late payment? I was then in tears and said i can not do that and cross the bridge at my age. I then heard someone in the background say - Oh you have the wrong account! My son then jumped on the phone and demanded they make an apology to me for harassing me. The manager refused. He said we will apologize for making her upset but not apologize for harassment. That 's my case. I have never in my life been late in a payment, I 'm XXXX years old, a nd always make payments on time and to be treated like this to a customer. Originally I only wanted an apology for harassment, now I want monetary damages. I hope they kept tapes of the phone call. It will prove my point
12/16/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	MS XXXXX	Web	Servicemember
I received my check back from Tower Loan that was not cashed they advised that I was not able to send any checks as payment to my account after i had a few problems with my online banking in which my bank was sending checks out before my paycheck was in my account. Anytime this happened the check was paid. I was then informed that they take debit cards. After the incident they never advised that I would not have access to my account online and canceled the option without notice. Therefore I was not able to pay by debit card nor credit card which created my account to be even later than usual because of this. I was never given any notice that they were doing this and not given notice.well I tried to pay my account by debit card or credit card and even tried calling over the phone even their employees were not aware that this was not an option and kept telling me to pay by debit card or credit card Because of this it has caused my account to be late and created financial hardship in driving to their business on XXXX XXXX, 2015 they refused to take a debit card payment but when i called them they advised that I can pay by debit card when arriving it was discovered that they would not accept my debit card and that I would have to pay cash or money order. Tower loan constantly calls me when payment is due and is ignoring the laws of collecting a bill by constantly calling after they have advised that the bill is due in one week I have received more than 15 calls from Tower loan
09/06/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MS 396XX	Web
I took out a loan to help buy XXXX for my children from Tower Loan in XX/XX/XXXX. I made a few payments then fell behind due to loss of income and being on XXXX. Being embarrassed I avoided them for a couple of months until my brother in law was getting nearly daily calls and a Tower Loan employee named XXXX XXXX began showing up at my mother in law 's home demanding payment. XXXX told my mother in law that if they did not receive a payment for {$260.00} that day that I would be sued and left an opened envelope with detailed personal and finance information inside with her. Afraid of being sued I went online and set up a payment for the following payday. I made a {$200.00} payment on XX/XX/XXXX. And today XX/XX/XXXX XXXX from Tower Loan again shows up at my mother in law 's home leaving another opened envelope with personal and financial information with a note written on the outside stating " Urgent!! Last visit!! Going up for suit. '' on someone else 's vehicle in her yard. My wife called Tower Loan and spoke to XXXX asking for them to no longer go to her mother 's home and was told that they would continue to go per a disclosure I signed. My wife explained the XXXX and loss of income and told them we made a payment less than 2 weeks ago and as soon as we can make another payment we would to please no longer go to the home and XXXX hung up on her. They are rude, harassing, and violating me by giving my private information to other people without my permission.
06/02/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	MS 391XX	Web
I had a joint personal loan with my mom through Tower Loan. The account was always on time until my mom was diagnosed with XXXX XXXX XXXX in 2016. Upon finding out about my moms diagnosis, the branch that I was doing business through persuaded me to refinance the account as an individual account. I didn't receive any additional funds, but they told me it was best since my mom didn't have long to live. Once my mom passed away it was hard for me to make the payments alone, but Tower Loan would not help me with reducing my payments. I was also not informed that the insurance on the account that they force you to signup for when you get a loan would have paid the original account in full when my mom passed away. I am now being garnished. I have paid over {$6500.00} of a {$11000.00} garnishment amount on a {$3900.00} balance that I owed. I have tried numerous times to try to aquire some other form of payments with them due to the fact that I have received a promotion at my job and I am now in a position to make the {$150.00} a month payments. I am being garnished for around {$200.00} to {$300.00} every 2 weeks which makes it hard for me to pay rent, utilities, car note and take care of my son. I feel that if I would not have been persuaded during the time of my mother 's stage XXXX XXXX diagnosis to remove her from the account, the insurance that I had been paying for would have paid this debt. I feel that I was scammed by this business.
08/19/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	AL XXXXX	Web
Good afternoon, I am filing this complaint on Tower Loan located in XXXX, AL. We financed a couch with them last year and have been making payments on it each month since that time. It will be paid off in a few months. However, when we called to get a copy of the payoff information we were told that we had a few late fees. When my husband asked about the 10 day grace period we were told that it was 10 actual days on not 10 business days, which is fine. However, the attitude from the employee that was given was not appreciated. He was told that he was an adult and would need to balance his accounts and pay his bills like an adult. When he asked about getting a monthly statement for said loan he was told they do not mail statements. I work in an insurance industry where we monitor insurance for financial institutions so I'm very aware of certain compliance aspects. Is it not a requirement to send a statement of some sort when a loan is in place? I just finished a compliance CE course on Friday and I'm pretty sure this topic was covered. When we asked to speak to a manager we kept getting excuses as to why we couldn't speak to someone. I have been online to read reviews and have come across quite a few of the same situations we are having. Can something be done about the malpractice issues? Or possible an audit of some sort? From my search, this financial institution doesn't appear to be regulated by the FDIC. Thank you!
08/17/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	AL 357XX	Web
I took a personal loan with Tower loans in XXXX XXXX XXXX, XXXX, AL and six months into the loan, I realized that the company added life insurance, disability insurance and other insurance products to my account without my consent.I was never asked if I wanted to add these add on insurance products to my account.Anyway, I realized after six months of payments that my balance was higher than the original loan amount. When I called to find out why this was the case, the Manager explained that I had all these add on insurance products which I didnt sign up for.I requested for the insurance products to be removed from my account, but the Manager said that, I have to come in person and sign some documents for the products to be removed. So, on XX/XX/2018 I went to the Tower loan branch to sign documents to get the insurance products removed from my account.However, I was surprised when I called on XX/XX/XXXX, to make a payment and I was told that I have insurance products on my account.Again, I requested that these add on products should be removed from my account and the Representative told me he removed them, even though the Manager had told me before that I have to come into the branch and sign documents for them to be removed. XXXX XXXX, XXXX preys on their customer with their deceptive practices. This has to stop, otherwise I will never be able to payoff the loan.Please take action this deceptive company.
03/05/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MO 645XX	Web
I got the loan in XX/XX/XXXX was supposed to make first payment in. XX/XX/XXXX i got in a car wreck hirt my back and was out of work for a while. I talked with them in XX/XX/XXXX told them i would pay as soon as i got my taxes. Then they started harrassing me day and night everyday at home at work. I work nights so they would call my work at XXXX at night. My charge nurses would tell them to stop calling i would tell them to stop. XXXX store manger would be rude and tell me if i answered my phone when he called he wouldnt call my work rude and hateful. I work nights so when he would call at XXXX in the afternoon thats one in the morning to me. I sent two cease and desist emails to tower loans telling them to stop harrassment at my job they continued. I told XXXX again to stop he continued and was very rude. In the middle of all this i was behind for being off from the wreck and had to pay to get my car fixed so i was behind in everything he wouldnt help. Then covid hit and i got covid was out for a month. No i am even further behind. I have a family of XXXX i have to take care off rent over XXXX and all utilitys. So of course i cant pay. Now they are sueing me ok i get it. Itstead off getting my new address they are harassing me at work again after almost getting me fired the first time. They are having me served at work, sending papers to my work. They are ganna get me fired then no one will get money.
04/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 386XX	Web
In 2019, I ( XXXX XXXX XXXX XXXX Into a consumer credit transaction on XXXX XXXX. XXXX Tower Loan which became a serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, shortly after that I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with the option to opt out of all credit reporting 15 usc 6802, ( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a such third party ; ( B ) the consumer is By willfully doing this Capital One has violated many laws according to truth and lending & fdcpa. Also all consumer credit transactions are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of the XXXX XXXX.
01/11/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 703XX	Web
I HAVE A LOAN WITH TOWER LOAN IN XXXX XXXX LA. I AND HAVING EXTREME FINANCIAL DIFFICULTIES AT THIS TIME AS MY HUSBAND HAS BEEN LAID OFF SINCE XX/XX/2015 AND I AM THE ONLY ONE WORKING. I HAVE BEEN TRYING TO PAY THEM AS MUCH AS I CAN EACH PAYCHECK. I AM NOT IGNORING THIER CALLS I AM IN CONSTANT CONTACT WITH THEM. AS I AM WITH MY OTHER CREDITORS. THERE WAS AN INCIDENT WHERE I WAS SET TO BRING IN A XXXX PAYMENT AND THE NEW MANAGER OF THE OFC INSTEAD OF CALLING ME CALLED MY REFERENCE AND TOLD HER ALL OF MY BUSINESS. HE TOLD HER HOW MUCH I OWED AND THAT IF I DID NOT COME UP WITH THAT AMOUNT OF MONEY THAT THEY WERE GOING TO SUE ME. THIS IS NOT THE WAY TO DO BUSINESS. THERE WAS NO REASON FOR THEM TO EVEN CALL MY REFERENESES. I XXXX AND I KNOW TGAT TE ONLY TOME YOU ARE TO CALL THE REFERENCES IS WHEN YOU CAN NOT GET AHOLD OF THE CUSTOMER. THAT IS NOT THE CASE HERE THERE HAS NEVER BEEN A TIME WHEN I HAVE NOT KEPT INTOUCH WITH THEM. THE PREVIOUS MANAGER TOLD ME HERSELF THAT SHE NEVER HAD ANY PROBLEMS WITH ME THAT I WAS A GOOD CUSTOMER. I ONLY STARTED TO HAVE TROUBLE PAYING WHEN MY FINANCIAL SITUATION CHANGED SO DRASTICALLY IN XX/XX/XXXX. AND I WAS BEGGING THEM TO WORK WITH ME. WHICH THE XXXX 's IN THE OFC WERE DOING BUT WHEN THE NEW MANAGER CAME ON BOARD HE DECIDED THAT HE WAS GOING TO NOT WORK WITH ME AND THAT IS WHEN HE CALLED MY REFERENCE. I DID FILE A COMPLAINT WITH THE COORP. OFC.
01/21/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 65201	Web
I live in XXXX, Missouri. Tower Loans ( out of Mississippi ) moved to our area about five years ago. I knew that my credit worthiness was low, and I had very few options for a loan except through a sub-prime institution. I received XXXX loans from Tower Loans. I owe Tower Loans over {$5000.00} dollars. XXXX loan is secured by a non-running vehicle. The other is secured by furniture. I got behind on payments because of illness and continued underemployment ( part-time work ) during the last four years. I am not disputing that I owe the money. I want Tower Loans to stop calling my department head 's office to locate me. I have a direct work line with the capacity for private messages. I have asked Tower Loans to not call my department head 's office and asked to be transferred to me at my desk. I have a direct line. The loan personnel at Tower Loans said that they could call any office they wanted because they originated the loan, and were not a " debt collection agency. '' I insisted that the law refers to " debt '' in a global manner. I need to know my rights, and if I am misunderstanding the law. I am fine with the calls to my desk phone, but I can not abide by the calls to my department head 's office. Even though my work is part-time, I still need my job. Moreover, I am concerned with this harassing activity. Sincerely yours, XXXX XXXX XXXX XXXXXXXXXXXX
01/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	AL 36701	Web
I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy on my credit report. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from the us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
09/17/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MO 656XX	Web
I offered a settlement payment that was refused through a debt consolidation company called XXXX XXXX XXXX, they've declined all offers and they constantly run hard inquiries on my credit report for the sole purpose of trying to lower my credit rating. That had stopped for approximately 4-5 years now, all of a sudden on XXXX i received a text from Tower Loan in XXXX, MO. At the same time I received a notification of a hard hit inquiry on my credit report done by Tower Loan without my knowledge, authorization, and or approval. So i called the XXXX, MO office and asked why this was done. The office manager XXXX stated that he can do whatever he wants to do until the account is paid, he also stated that he'll do it every month. I told him that the account has been closed since XXXX of 2013 and that the account has been " charged off '' " written off '' proffit loss. He stated that he can do it this no matter what the account says, and that if it doesn't get taken care of then he'll put a lien on my mortgage title since my wife and i are now homeowners. I told him that myself and XXXX XXXX XXXX tried to make a deal and settle with Tower Loan, he responded " not my problem ''. He continued with the threat of me being sued and have a lien put on out home title and that hes starting the paperwork today ( XXXX ) and that he will have me served.
06/16/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 75081	Web
I was sent a check in the mail around XXXX time from Tower Loan. I believe I was targeted due to my credit and low income status. Out of desperation and wanting to buy nice things for my family, I deposited the check into my account. They then called and told me that I was approved for a higher amount so I went into the store to receive the extra money. Fast forward a few months and the payment amounts have ballooned to astronomical amount and I am unable to keep up with the payments. They are constantly harassing me with phone calls, text messages, and even showing up at my house and threatening to sue me. They call more than 10 times a day and never leave voicemails. I tried to negotiate a different payment plan to help get caught up with the payments but they are unwilling to help. I currently work with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX but Tower Loan doesn't work with any other companies and are unwilling to help consumers at all. I believe they have predatory and unfair practices that are really hurting people by targeting those who are in desperate need and then become unwilling to help them out. They need to be investigated as a company and shut down. Not only that but the online payment portal is inaccurate and doesn't show the full amount that needs to be paid off, creating more deceit about the interest and loan.
11/17/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 391XX	Web
Admittedly, I am behind on my payments. I called to try to discuss what could be done and I was berated and chastised by the manager for not paying my bills. Told me how he just " did n't understand '' me not paying. After I quit taking his calls, because he was so incredibly rude. He began calling me at work. I asked him personally at least four times not to call at work because I could get into trouble for personal calls. I asked XXXX other employees at his branch not to call me at work. I was told I signed paperwork that allowed them to do just that. A work colleague answered the phone and told the branch manager I was unavailable, he said to her, " I know you are XXXX ( that 's me ) and what if I just show up at your work? '' She hung up on him. He called another time and the assistant manager answered and told him I had been fired just to try to stop the harassing phone calls. He then said to her, " I know this is you XXXX. I will just show up at your house now. '' I took a written letter by the branch to withdraw all consent to call my at work. That very day their manager called from a blocked number. My boss had to resort to calling his district manager to stop the work phone calls. They have not called the store since that day. But his words and actions have made me incredibly uncomfortable, scared, and downright angry.
01/28/2023	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	AL 36575	Web
I received a check in the mail from Tower Loans. I understand that the check is a loan and I am obligated to pay. Since cashing the check, I have made a payment yet got behind. On XX/XX/XXXX, a XXXX gentleman comes to my door and asks my son to speak to XXXX XXXX. When approaching the door, I noticed an envelope in the gentlemen 's hand. He said he was with a tower loan and wanted to give me a letter. I advised them that I know I was behind and will pay them. I have had several loans from this company and have paid all in full, often before the contract ends. As he continues to try to talk and hand me the letter, I politely closed the door. He appeared to be leaving and I went to my bedroom ; however, approximately 15 minutes, my nephew came and handed me a letter from this XXXX guy. Furious, I contemplated not paying as anticipated, but went ahead and made a payment the next day or so. Today, XXXX, XX/XX/XXXX, I finally open the letter and it reads ... " Dear XXXX XXXX XXXX, Our records indicated that the amount you are past due is {$620.00}. Please call me immediately to discuss the situation. '' Considering my payment history on past loans with this company, I feel the visit was totally uncalled for and unprofessional. The gentleman expressed no empathy and was actually gigling as he knew I was embarrassed.
04/24/2022	Yes	Money transfer, virtual currency, or money service Debt settlement	Confusing or missing disclosures	LA 703XX	Web
I was affected by hurricane ida, my family & I lost everything, including my job that was also closed due to damages from this natural disaster. Only relief I was offered was to take one payment off the front my loan and send it to the back of the payments, however due to being evacuated in a different state I wasnt able to make it to sign the paper so instead they made my account negative which tremendously affected my credit. After speaking with advisers and also doing my own research Ive heard about and insurance that should cover my loan Theyre saying i didnt have enough collateral for your secured loan. Its THEIR job to get enough collateral. I shouldnt be responsible for ANYTHING after Ida. My loan shouldve be paid off, I fell as if They increase whats called their outstanding by increasing loan limits after I pay well on your first loan. As they increase my loan, they got lazy. They wanted to hurry up and close the loan and get you out the door before i can question my payback. In doing so, they didnt update my collateral to secure their own interest. So instead the office taking the hit for being lazy, they make the customer pay for their laziness. I feel as if and injustice has been done on my behalf and most likely countless others. This hurricane destroyed my property as seen in pictures below
08/11/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	IL 62002	Web
I took loan out with tower loan financial in XXXX they sent me check in mail. and I paid on this loan for almost year the first loan the amount was XXXX XXXX I had paid back. I had paid them paid down to XXXX XXXX then they called me in XXXX of XXXX ask me did I want more money this was the manger I said yes I took XXXX XXXX dollar loan out second time. he would not tell me how much I would pay back he just told me how much payment was it was XXXX dollars month. when I called back the next day he was already fired. I have pay XXXX back I paid on this loan until XX/XX/XXXX I started having trouble paying my bills am in hard ship right now am on buget plan I single I have lost my mom and dad I no body halp me with bills. I have told them this in XXXX and XXXX to drop the payment down so I could pay XXXX dollars month. I talk to the new manger this she said no she said was going take me to court and get lien put on my house because I have it up for sale .they would not work with me no way. they call all hours of the day on my house phone and and on my cell phone and they have been to my house I told them I was not going to pay them I didn't have I would pay the balance off when I sold my house. but they are still calling what can I do they told me they where going to take my ssi and ssa check away from me.
12/15/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	MO 64804	Web
On or about 2018 I took an installment loan from Tower Loans in XXXX Mo at said time they added on a product " involuntarily unemployment insurance '' as I was a fulltime employee that was unfortunately laid off from my employer I submitted a claim and the insurance company refused to pay out I was told by a corporate entity Regional Director and District Manager I was now a fulltime employee with full benefits vacation etc however when I submitted my involuntary unemployment insurance claim the company refused to payout stating I was seasonal although what my employer filled out clearly said laid off due to " lack of work '' not seasonal as Tower Loans and their insurance provider alleged and this decision has put me and my family in a " economic hardship '' and I am unable to pay said loan I intend to file a counter suit if Tower Loans files suit against me they also have violated the FCDPA by contacting my family otherwise know as a third party and disclosing my loan amount and information about my loan to them causing me irreparable harm they need investigated and action taken against them DO NOT get a loan from Tower Loans they sell frivolous insurance and shame on them! My Counter Suit will cost Tower Loans tremendously. They need to charge off and leave me alone or face court countersuit
08/04/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	LA 705XX	Web	Older American
I constantly pull conversations with different personnel or employees with this company explaining the issues and problems that I'm dealing with. I had to file with the trade commission and also finally got in touch with the CEO for the XXXX XXXX when issue I'm having with XXXX XXXX XXXX on a recall on my vehicle that turn into issues of them trying to have me pay {$3600.00} and then they went down to {$3200.00} and XXXX but after speaking to the CEO and the specialist of the company they are sending my complaint to them where they should be contacting me and things should be a lot better than their first initial payment request this has caused me to have to rent a vehicle at {$89.00} a day I did that for 3 weeks it has put me behind and a lot of my personal Monday bills this particular manager continues to come to my home and harass me name XXXX and make threatening letters or statements and is considered harassment I wanted to stop immediately or whatever necessary steps that I need to take with you guys and handling this particular company I am willing to do so they're not the only company I deal with and everybody else is understanding I don't even have a vehicle right now into my issue is to handle with XXXX XXXX XXXX. So I am following this complaint so the harassment can stop immediately
06/08/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	IL 62702	Web
I took out a loan from Tower Loan from a company who offered financing for furniture. I always speak with an employee named XXXX. I told her back in XX/XX/XXXX she could send the account to collections on MULTIPLE occasions, which she refuses to do so that the account continues to add interest. So out of fear of having a quadrupole balance I began to pay it down again. On XX/XX/XXXX, she called me at work ( and I have already asked on MULTIPLE occasions to NOT call me at work and the gentleman XXXX response was that my supervisor had to tell him, which is absolutely not the case in Illinois ) and told me I needed to make a payment. I told her I would make one on XX/XX/XXXX. She asked if the account would be paid in full and asked what the bakance would be and she replied {$190.00}. I said o.k. called today to pay the {$190.00} and she replied that the account balance is now {$210.00}. Late fees do apply, but she did not state that if it were paid on the XX/XX/XXXX what the actual balance would be. The late fee is {$10.00} a month so {$190.00} still makes no sense and attempting to speak with XXXX is impossible. She just yells and screams while making threats to take the furniture from my home all the while never listening to my concerns or questions. AVOID TOWER LOAN LIKE THE PLAGUE!!!!!
05/09/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 794XX	Web	Servicemember
I told them I couldn't make payments because I had a problem with a company I was working for not paying me. They have been calling me multiple times a day, every day, for a few months. I did a debt consolidation with a company and this account with Tower Loans is part of that consolidation. I told the representative from Tower Loans that showed up at my residence, unannounced, about that and gave her the contact information of that company. Tower Loans called and told me that they don't deal with consolidation companies and don't have to follow the rules not calling repeatedly. Tower Loans told me that since they collect their own debts, the federal rules concerning the contacting and harassment didn't apply to them. I've told Tower Loans all they can do is file it on my credit report and that they needed to stop calling me to harass me about it or I would report the company. Harassment as defined by the reporting act that outlines consumer rights is what Tower Loans is in violation of. Also, the lie that they said about they don't deal with consolidation companies so it's not their problem. I believe this falls under the rulings of removal of the debt from my records because of the harassment and tactics of deception by Tower Loans. At any rate, the calls need to stop immediately.
06/21/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 703XX	Web
On XX/XX/XXXX I called into Tower Loan to make a payment. The manager XXXX XXXX refused my payment because I asked her to post date my debit card payment for the XXXX. She told me to call back tomorrow for payment then but my credit score would reflect XXXX days late payment. My due date is the XXXX. So I told her that would be illegal because XXXX days would be the XXXX. She hung up on me. I called back and spoke to another employee and asked her to make sure they documented that XXXX refused my payment and threatened to report me XXXX days late. Manager overhears conversation and decided to let the employee take my payment. Well I check my report and she hit my account with a balance increase for the interest! I wasn't even XXXX days late a whole {$98.00} which caused my credit score to drop. I have had loans with this company before and others and have never had anyone report a balance increase because of interest and not being late. Can you please investigate this. It took a Sr. Regional manager XXXX days to respond to my calls after reaching out to other branches and inquiring on their reporting procedures where I was told they only report late payments. Please help I feel this is very unfair. When I was never informed they would report BALANCE increase over interest.
12/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39440	Web
I asked for copy of the signed agreement and the lady hung up in my face and she said talk to there lawyer. How could I talk to there lawyer when I dont know who the lawyer is when she hung up in my face. Also she lied to the court about the amount I had left to payoff and the amount I was paying a month.. The XXXX reported false information my payment a month was {$320.00} a month. She lied and said I was paying {$420.00} which is incorrect. Now this company is garnishing my check every week almost {$200.00} when I can barley take care of my family because the company lied. Not only is this lied they so my information to a third party which was in the contract not to do. I have a charge off on my credit report for this company. Meaning they sold this account to creditor and this company has been paid for this account. But also this company tower loan is having my check garnish and getting paid twice. I paid my account down to {$2000.00} and now they tell the court I owe {$9800.00}. How is that portable. This company is money laundering. I have paid this company over {$2000.00} in garnishment so far. Charge off mean that the company has been paid for that account and this company has lied about the amount being paid monthly to the payoff amount which was {$2000.00}.
06/09/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 283XX	Web	Older American
I started receiving calls on my cell phone from the number XXXX XXXX a couple of weeks ago, which I ignored since I was usually at work, driving, or already in conversation. Finally one evening I received a call from this company in early evening hours when I had time to talk and find out who it was. The person was looking for someone with the first or last name, XXXX. I explained that I have no clue who this individual might be. The young man apologized and said they wouldnt call anymore. As soon as I hung up on my cell phone, he called my home phone, and again he apologized. The very next day they called again!! I repeated that I did not know this person. That young man apologized also and explained to me that they get these names from someplace online, but said I wouldnt be called again. I just received a call today at XXXX, XX/XX/XXXX, on my home phone from Tower Loan XXXX XXXX. There is another call from them on my home caller ID XX/XX/XXXX at XXXX from # XXXX XXXX and XXXX on XX/XX/XXXX from # XXXX XXXX. Another on my home phone caller ID XX/XX/XXXX XXXX # XXXX XXXX I have asked three individuals from this company to stop calling my numbers. I do not know this XXXX person theyre looking for and they are harassing me now. They have no intention of stopping.
08/09/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MO 652XX	Web	Servicemember
I advised this Co that I had filed Bankruptcy gave them attorney info phone website etc MANY times. They continually call me daily. I spoke with my lawyer who told me to not answer but then they call me at work for which I get in trouble for. I told them to not call me at work they are relentless, and I get calling but it's what they say to me and how they handle themselves that gets me, I have been threatened and cussed several times. They are now having managers from other locations call me daily. They say when I tell them to call my lawyer oh you pay a lawyer but not us? Usually the cussing starts then. This is unprofessional they have a bad reputation in XXXX for this type conduct. I am sorry I can't pay this bill I really am but due to reasons beyond my control I had to file bankruptcy. I told them this will have a case number by beginning of XXXX fact is by next week it will have we my attorney and I area completing the details this week. NOBODY should be threatened and told they will call and do whatever they want then they laugh... very unprofessional, XXXX told me today he filed suit yesterday if so why is he still threatening me can he file suit which is fine if he does at this point but can he harass and threaten cuss and scream at me and file suit?
12/15/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	LA 705XX	Web
I got a phone call from a employee to this loan company threaten to take me to court for payments that I am due which are two payments behind. I stated I would make a payment this month, she stated, did you hear what I said, a payment now are I am taking you to court. I am having finical issues due to inflation, I was a victim of being attacked by another loan manager at a nother company and the company is being sued by my attorney XXXX XXXX at XXXX XXXX XXXX XXXX, I am XXXX by the incident, I am under my XXXX XXXX XXXX XXXX, plus on medication from the incident. This is not my first loan with this company, they just renewed my loan. I have renewed my loan twice with them already, they called me to come in for additional monies. There is a lot of turnover, in this company, employee wearing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in knowing what's going on with your business, and she also stated they do not consolidate, because I explained to them a company I have been dealing with for sometime is willing to consolidate my loans into one payment to help me with this finical crisis. My mom is in XXXX XXXX XXXX, and living in her last stages of life. I don't need this foolishness from these employees who are unprofessional and so rude I will not be harassed.
09/04/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	IN 479XX	Web
This guy XXXX XXXX I think is his last name. He has called with multiple last names. He is the manager. I told him me and my husband were separated about 3 months ago. He calls and leave messages daily. I stopped answering his calls and he still calls daily up to 3 times sometimes. He also comes to my house. Im a small person also XXXX and XXXX yrs old. He is a big man. Im in bed most of the time and if no one is with me I do not answer my door if not expecting someone. But I can see who it is and. Talk to them if I want. But this man beets on the door like he is trying to break it down. He beats on it hard. Real hard. And he beats on the glass to. I am scared of him. He says he wont leave till he gets money and beat on the door for over XXXX hr. This man reminds me of a muscle man for a crime boss from XXXX or XXXX XXXX Ive got a bad XXXX and he give a person a XXXX XXXX waking them up beating on their door like that. My name is not on the loan I dont owe him a penny. He has no right calling me, or coming to my house XXXX a week treating me like that. He is manager of Tower Loan XXXX XXXX IL I NEED HELP. I know what he is doing is not legal even if I did owe him. But I dont owe him so it should really be illegal big time. Can I have him arrested?
07/23/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MS 38801	Web
I was mailed a check from XXXX XXXX in late XX/XX/XXXX or early XX/XX/XXXX. I made several payments through XX/XX/XXXX. As of XX/XX/XXXX, I logged into the website and the account was gone. I attempted to contact them several times by phone and the call just went to a recording. Fast track today, I get a notification on my credit report that there's an inquiry from Tower Loan dated XXXX. I call them and was referred to the local branch in XXXX, XXXX XXXX The representative went through the system and found that my account was sold to Tower Loan from XXXX XXXX. The representative gives me the Tower Loan account number and current balance along with a {$10.00} late fee. I asked why their was a late fee and the representative told me that a payment was due as of XXXX asked to have the late fee removed because I was not given any notice that the account was sold to Tower Loan. I was told that I was sent notice of them having my account and was not told the late fee could be removed and they would have to call me back. I check my postal mail and e-mail daily and I've never seen anything from Tower Loan providing ownership of the account. I also want the inquiry from my credit report removed because I didn't apply for a Tower Loan account in XX/XX/XXXX.
03/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 711XX	Web	Servicemember
XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 ) credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Tower Loan on XX/XX/XXXX and I have in no way cooperated in any business with Tower Loan LLC. I contacted Tower Loan LLC, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. As my account wit this company has been closed since XXXX and is listed as follows Remarks : >UNPAID BALANCE CHARGED OFF< Estimated month and year that this item will be removed : XX/XX/XXXX TOWER LOAN XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX
02/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	AL 365XX	Web
When I applied for a loan mid XXXX, the underwriters said I had a judgement and owed XXXX to Tower Loan. I had no idea what they were talking about. I called Tower Loan and demanded a written letter saying my balance was paid and the judgement was an error. The supervisor gave me a letter and I sent it to the underwriter. She also said they would remove the judgement in public records. One week later it was still there and my credit showed a XXXX balance with Tower Loan. I called the attorney that submitted the judgement for Tower Loan dba XXXX. He apologized and said he would remove it. I reminded him that I was not notified of the judgement and the loan was paid XX/XX/XXXX in full. Tower Loan continued to list the XXXX balance with the 3 credit agencies. The judgement was removed yesterday, XX/XX/XXXX. And now the credit agencies say the loan was a charge off/bad debt and was paid between XX/XX/XXXX and XX/XX/XXXX. It looks like I had the debt and quickly paid it off when in fact the debt was fully paid inXX/XX/XXXXXX/XX/XXXX. I want Tower Loan to stop posting inaccurate and false information to the credit agencies. My scores fell 10 to 15 points because of false information! They also ran my credit without authorization 5 times!!!
01/25/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	LA 70810	Web	Servicemember
I have a loan with Tower Loan located in XXXX XXXX, LA. My first payment for my new account was due XX/XX/2020 however due to the pandemic I had a problem making that payment. As of today that payment is still past due however I had intentions on making that payment this week. I was told that if I did not pay the XXXX and XXXX payment that there would be legal fees added to my account and my wages garnished. My first payment is not even 60 days past due as of today however the branch manager XXXX indicated I am 60 days past due and that if I don't pay XXXX and XXXX in full legal action will taken place. To threaten someone with legal action and wage garnishment during a pandemic is disgusting. To add to my embarrassment of not being able to pay my payment as promised, XXXX refused to make any other arrangements with me as per XXXX " he could have sued me last month for this debt ''. What I don't understand is how if my payment was due just last month? I would like to make arrangements to catch up on my payments however the branch manager refuses. He refused to provide a number or email address to their home office, he only redirected me to the site. I have completed their complaint form twice and received no response.
09/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	LA 708XX	Web
Tower Loan the memories of this company is vague. However, I recall getting a loan from this company back in XXXX I believe. It was on behalf of merchandise that they financed. Well, I paid my bill and made payments on time. well, one day I received a phone call that the company had terminated a young lady that was employed with the company, but was stealing. She was taken payments from the customers but were n't actually posting the payments to the customer account. I informed the person that I was speaking with that my account was paid in full and that I did n't owe any debt. This is XXXX so since XXXX I do not currently have any receipts to back up anything that I am stating at this point. I do not neglect in paying any of my bills and I never have. This company is constanly pulling a hard inquiry on my credit report without my permission and calling me on my job making threat and calling my home upsetting my mother that is ill. If I owe this debt I would pay it, but I do not owe anything to this company. At XXXX point I made a payment or XXXX until I realizes I am making a payment on a debt that is no longer my debt. I asked for receipt, but was told I could not get XXXX until all payments was paid in full.
05/16/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 770XX	Web	Older American
On one occasion, XX/XX/XXXX, XXXX with Tower Loan in XXXX XXXXXXXX, Texas contacted my son about a small debt and discussed the complete loan details with him. It looks as if they were trying to get him to pay or suggesting that he get me to pay. On a second occasion, XX/XX/XXXX, Tower Loan contacted my daughter-in-law and it also looks as if they were attempting to get her to pay or get me to. In both instances they were doing whatever they could do to damage my credit and my reputation. They may have contacted others but I am not sure. I never gave Tower Loan any information regarding my son and my daughter-in-law. Amounts they claim are owed are primarily late charges and excessive interest which I did not agree to. Obviously, any claim they made in regards to trying to contact me was just an excuse to circumvent the law. I wrote to the office in XXXX XXXXXXXX, Texas and the home office in XXXX, Mississippi requesting complete information on this loan and both have refused me any information. I am XXXX and this harassment and practice of damaging my credit and reputation should not be allowed. I request that you look into this matter and take some action to prevent this company from doing business this way.
04/02/2019	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	MS 387XX	Web
I was filing this complaint because i have been a loyal customer for many years. I feel i was not treated fairly about my account and it was done wrong. I feel like a title loan is not a personal loan are two different things. I was talk to rudely by the manager when i told him that i was trying to pay. He refuse to sell the car to my daughter which the account was in my name and i told him i was willing to pay him XXXX a month because i am disable and get one income. My daughter is in college and needed the car. He argued to me that she could not get the car but sold it for XXXX when he would not take my daughter money. I think that was wrong and very distaste for to do to the customer. I want to settle on this account and have it closed and removed off my credit for XXXX. I will like my account to come to current. zero payments missed and i can start making my payments at XXXX a month before the XXXX of each month. I would love to continue to do business with this company if this account can be took care of. I have honored this company with my business please take of this as soon as possible because i think one of the best policies is to treat customers like you want to be treated not XXXX.
01/24/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AR 72315	Web	Older American
I had an installment loan with Tower loan. I fell behind in payments and the interest rate at fifty five percent. I would make a payment with my debit card and no receipt. Then I start going in person and I would ask for a balance after payment. I went through at least four managers in a ten month span. I could never get a balance of what I paid. They would always give me the balance before payment with payment. No matter how much I paid the balance barely moved. After a long period of time I received this letter of judgement Principal Amount XXXX, Accrued Interest to the date of judgment XXXX, Attorney Fees XXXX, Court Cost XXXX Total {$1800.00}. I had already agreed to pay {$50.00} a month until paid in full but I never thought the outrageous 55 % interest would continue. The first judge advise me to get a lawyer, but his last words to me was to just show up at the next hearing. He then ordered the lawyer to have a rep from Tower loan there. I later received a letter from the lawyer stating that he has changed judges and a new court date. The second judge told me that the law was the law and he couldn't argue my case. So that told me I have already lost since I can't afford an attorney.
08/07/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TN 38116	Web
I made an agreement with local branch ( XXXX XXXX XXXX XXXX ) and manager agreed. I start making payment every month however she was not reporting the payments. I later received an email that my wages would be garnish. I called the local branch back and was told that there wasn't anything that could be done. I later called the headquarters where the attorney for the branch was located. I spoke with several reps and was told that I received the garnishment due to the manager did not let the headquarters know about my payments. After several weeks of researching, a rep from the headquarters called and told me that it was to late to try to settle however I could my payments to the headquarters and not the local branch. At that time, I was given the amount that was due which included my previous payments. So I paid the amount agreed upon for two more months however I was wanted to be completely done with the company. Therefore I went ahead and paid what I was told the balance. I called to make sure payment was received and asked for receipt of the payoff however I was told that I owe thousands more. The company is taking advantage of me and trying to scam me out of more money. Please help.
04/14/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MS 38632	Web
yesterday on XX/XX/2023 Someone from Tower Loans went to the address we have on file and spoke with my mother and told her that i was about to ruin my credit that i needed to get in touch with them. On several other occasions they have been on this property leaving letters on the steps. I dont live at this residence anymore. They did not have permission to discuss any of my financial or personal business with my mother. They call and dont leave messages while i am at work. They also said they call my wife and she doesnt answer calls she doesnt know but is authorized on my account and they wont leave any type of message either. We have had some financial difficulties due to my wife having a XXXX and have been trying to pay them. My account has never been more than 60 days past due and we stay in contact when we know its them that is calling. They should not be leaving letters not mailed by the postal service or telling my mother my personal business. They are very rude and never try to work with any one at all. they dont ask what is going on or how can we help you or anything. its just where is my money. Then they resort to coming on my parents property and tell them personal business.
12/14/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 638XX	Web
I have recently been garnished by a debt collection agency called XXXX XXXX office via XXXX XXXX. XXXX Missouri. Tower loan is the original debtor. The debt had a COURT JUDGMENT XX/XX/XXXX TO TOWER LOAN TOTAL AMOUNT WAS XXXX. I DID NOT PAY THE JUDGMENT AND TOWER LOAN DID NOT GARNISH OR TAKE ME BACK TO COURT. IT IS XXXX. THAT IS 11 YEARS. THE DEBT IS NO LONGER ON MY CREDIT REPORT AND THE STATUE OF LIMITATIONS TO COLLECT THE DEBT HAS PASSED PER LAW. I RECEIVED PAPERS IN THE MAIL OF THIS FRAUDULENT GARNISHMENT AND THEY ADDED XXXX TO THE FINAL JUDGMENT FROM 11 YEARS AGO AND THEY SENT THE GARNISHMENT TO MY EMPLOYER BEFORE I RECEIVED IT GIVING ME NO CHANCE TO FIGHT IT. THEY ALTERED THE ORIGINAL JUDGMENT PAPERS FROM THE COURT OF 11 YEARS AGO. ALSO TOWER LOAN HAS BEEN DOING HARD INQUIRIES ON MY CREDIT REPORT XXXX SOFT INQUIRIES WITHOUT MY KNOWLEDGE OR PERMISSION. I HAVE BEEN GARNISHED TWICE ALREADY AND I AM HEAD OF HOUSEHOLD AND THIS IS TAKONG A FINANCIAL STRAIN AND EMOTIONAL STRESS AND I CANT PAY MY MONTHLY BILLS WITH THIS. I WOULD LIKE FOR THIS TO BE TAKEN CARE OF AS THEY HAVE BEEN SUED BY SEVERAL PEOPLE AND A CLASS ACTION LAWSUIT AS WELL. KNOW THEY ARE DOING THE SAME ILLEGAL THINGS TO ME.
04/05/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 704XX	Web
I have asked Tower Loans in XXXX, La. several times not to call anyone on my account they have called my family several times, called my job several times!! Ive told them Im having some financial issues do to helping out my sister that is having some medical issues! The employees at that branch are rude they hang up the phone on you etc. So after making arrangements with XXXX on the phone I made the payment online dated for XX/XX/2019. So today at my job they sent me a certified letter from an attorney stating that I had to pay {$480.00} or they would issue a judgment against me, so I set the payment up online. When I moved I called the office gave them my new address so there was no reason for them to send something to my place of employment!! Tower loans employees seem to think it is ok to share your information with others and talk to you like you are trash!! I have never in my life been treated like this, this company is unbelievable!!! Im in the same business I know the laws and what they do to customers is unacceptable, I hear my customers talk about how bad they are treated!! Something really needs to be done about this company especially the XXXX Branch in Louisiana!!
03/07/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 641XX	Web	Servicemember
I have had a loan out with this company for a number of years. Recently i fell behind on my bills. Too many credit cards and loans. I decided to join a debt relief program to help me get out of debt. I sent a letter to this company that the debt relief program told to me to send to them notifing them of a change of contact. The company continued to mail late notices. Someone who works for that company came to my home. I wasen, t there so they left a late notice with my wife. I called and talked to someone working there and asked if they had gotten the change of contact info that i had sent them three months ago. She said yes but they did not work with this debt relief program. I informed them that the debt relief program had them listed on my creditor list and did not inform me that they were exempt. I gave them a phone number for the debt relief program. They continue to call me and the references that i listed on the loan. And said that they will continue to call these numbers until i pay them. I have been in this debt relief program for five months they are negotiating with my creditors and this loan company is on the list.
08/01/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MS 38632	Web
I received a statement from a lawyer threatening to sue me if i did not pay the {$100.00} I owed them. ( Which in my opinion I don't think I should of paid in the first place. Please see the previous disputes against this company. ) After receiving this letter, I mailed them a {$90.00} money order and {$10.00} in cash to pay out the account so I wouldn't have to deal with them ever again. It's been about 2 months since I mailed this and I have yet to receive a receipt of the payment or a signed, and paid stamped Promissory note. I paid this company off even when I thought I shouldn't have. So it would be nice to get a receipt and paid stamped promissory note so I can keep it for my records if anything was to ever happen in the near future lawyer wise. It's only fair to get a receipt when you have paid out an entire loan, and this company is so backwards I have yet to receive it. I have filed complaints online with the company and they NEVER respond to me. I am just not sure what else I can do at this point besides reach out to you and the XXXX about this issue. So I would like to have the receipt emailed to my address ASAP.
09/29/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem when making payments	TX 76052	Web
My monthly payments are due on the XXXX. I am being harassed every month by Tower Loans because XXXX XXXX, an office assistant, calls to ask for money BEFORE or ON the day it is due. She does not even give me the time to make the payment when it is due. It has never been late and is usually early. I understand XXXX is unhappy that I declined to accept an additional loan offer a few months ago because I refused to fake collateral. I am not going to lie about collateral just so they can create loans. On XX/XX/XXXX XXXX called for payment and I told her she needed do her job and look for it because I already made the payment and asked her to stop harassing me. She said she was " following up '' on my payment. How do you follow up on a payment BEFORE the due date? I asked for her manager and found that this business has no manager or finance person. She has no boss. When I stated she is just making up rules each day and doing whatever she wants she remained quiet. I would appreciate someone making her stop harassing customers BEFORE the due date and if need be, CLOSE DOWN THIS LOCATION in XXXX, TX
10/21/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	IL 60431	Web
XXXX Tower Loan called regarding payment during 10 day grace period. They call several times everyday and leave messages as this seems to be their protocol. I have not missed a payment on the loan. Although, I have been late and have paid the late fee every time. Tower Loans communication tactics are borderline harassment to the consumer and they KNOW IT! My grace period ends XX/XX/2021 as of which the total payment due will be paid. However, the lady clearly said in the recorded message how imperative it was for me to call before XXXX XXXX on XX/XX/2021 and her direct tone was rude. I did call and asked why the calls during the grace period? She said that is a courtesy and that she can not know in the back of her mind when I am going to pay. I said okay I understand it is your protocol. She replied with yes exactly. Again her tone just ridiculous. She also said if I would call back the calls will stop. I said I will when I can. My complaint is these calls are absolutely not necessary and this company holds no integrity! Too add, I am not just talking a few calls either! Several!
10/26/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Loan payment wasn't credited to your account	LA XXXXX	Web
I made a consumer credit transaction with tower loan. My title to my car was taken as collateral. I submitted payment in full before payments were due in the form of a 1099A which was endorsed correctly according to law. I submitted with the 1099a a blank 1099c 1099oid and a 1099v for there use to submitted for payoff. Tower loan has called and threatened me to take my car advising they were not taking the payment. I sent them a certified letter telling them to cease and desist all calls and unlawful collections and they continue to call. Threatening me, one even hollered at me. I can't deal with them anyone. They need to be shut down now. I have submitted lawful payment for the payoff of the loan. It's important to note the original payment I submitted to them was never returned marked not accepted. The harassment continues every day several times a day threatening me they will take my car. They will not stop. I'm about to file suit on them. I have clearly spelled out to them the consumer laws and my rights and what a lawful payment is and they refuse and constantly harass me
01/13/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MO 638XX	Web	Servicemember
Tower Loan of XXXX Missouri is repeatedly calling my husband, my friends, my past employer as well as coming to my home after I have repeatedly told them to stop. I lost my job & have not been able to make my payments therefore I am going to be filing bankruptcy to help clean out some debt. They have repeatedly told me over the phone that they are going to threaten legal action & garnish my husbands paycheck for XXXX XXXX if I dont make payments. The loan isnt in my husbands name. It is in my name. They are using threats & intimidation to get me to pay money that I absolutely do not have to give. There is no extra income coming into the household that would allow me to pay those payments. I am not going to leave off rent & utilities & groceries just to pay a loan company. When I applied & was approved for the loan, I was making more than enough money to pay the loan. I was paying all payments on time & they were not late until I lost my job. They have been harassing me for several months after I have reached out to the company & made complaints. I want this harassment to stop.
07/07/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 711XX	Web
I have an account with Tower Loan and got behind making full payments. I am currently employed with a company that is changing the pay cycle and relayed this information in a formal message to the home office ( it is difficult to find a phone number for the home office and you must have an extension number for a specific party for the one you can find ). I told a local representative of the company that payment would be caught up by " next XXXX '', which would be XXXX/XXXX/15, when he called me at work. I asked him not to call my job anymore and, of course, everyday afterward I am told by coworkers that I have been getting calls from someone " desperately '' trying to reach me. I made a payment of {$120.00} today, XXXX/XXXX/15, and will make another on XXXX/XXXX/15. Even after making the payment early this morning I am still getting calls. This company is full of a bunch of harassing bullies. I have paid off a loan with them in the past and did not foresee such poor practice as calling my job everyday. These calls are affecting my work environment and my hours.
01/17/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 703XX	Web
I have done business with Tower Loan in XXXX, La ( XXXX ) before, last year in fact. However, when I had issues making payments they never gave me a hard time and worked with me. I was never more than a week or two late and thankfully I ended up paying them off early. In XXXX of 2016, I took out another loan and this month following the holidays and an issue that I was settling financially I ended up being 30 days late. When the branch manager called for my payment I told her I was n't able to pay at the moment, that I could make both last month and this month 's payment in two weeks and my account would be caught up. She rudely told me that would not work and they would start a suit and she would come to my home to collect my collateral. I 've never in my life been threatened for a payment of any kind .... can they just show up at my home and file suit after being late 1 payment? My contract mentions arbitration after 'good faith ' can not be met or what not, surely that 's not referring to being being behind 1 payment in two loans you 've had with a company?
09/09/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 397XX	Web
Yes, I know I owe Tower Loan in XXXX XXXX XXXX I must say they are so very rude and very disrespectful over there, it hurt my feelings so bad that they treat people and talk to people any kind of way, I was trying my best to do what I could do to pay them the best way I knew how, I 'm not able to pay {$120.00} a month right now, I was able to do until my husband took sick with a condition of XXXX and XXXX XXXX and I was trying to explain to this guy over there whose name is XXXX, he said he did n't care to hear about my husband sickness, and to top it off, I 'm XXXX myself I 'm suffering from XXXX and depressing I do n't have time for all that rudeness toward me I would like for them to treat me the way I treat them and that 's with respect, I took {$50.00} dollars in their to show them I 'm trying my best to pay them I not trying to run from them they would n't take it so if your trying what more can I do besides get me a lawyer cause I ca n't be dealing with all this Disrespecting Me, they need to shut every Tower Loan down!!!!!!!
04/15/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MS 386XX	Web
I lost my job due to an motor vehicle accident that was not my fault. This made the loan fall behind. They refuse to to work with my husband on the loan. He is the only one working. They just called 6 times in less than 10 minutes. Even after he talks to them and make a payment arrangement, they call back 2-3 times the next day. They are threatening to sue. We are barely holding on to our home and keeping the cellphones on so they can even call us. The guy tried to basically force my husband to have us redo the loan. They even called and harassed us about that because we were close to paying off. Once when we thought about it, the young man wanted a vehicle title we did n't tell him about or offer for a {$12000.00} vehicle title for a {$500.00} loan he said our {$1200.00} lawn mower was n't enough along with a laptop. At that point we got up and walked out. We did not redo the loan. I have XXXX in a few days and my husband is under XXXX for XXXX himself trying to get our belongings from the wrecked vehicle. I need this resolved.
07/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 36535	Web
I applied for an online loan through tower loan on XX/XX/2018. I was told I was not approved for the amount requested ( XXXX ) but I did qualify for XXXX and could go into the loan office if I still wanted the loan. I signed my paperwork, received my loan funds and left on XX/XX/XXXX. Now, I show 2 credit inquiries for tower loan on the same date, XX/XX/2018. I have requested they remove 1 of the inquires as it was for the same loan, on the same day, with the same company. I did not apply for 2 loans. I did not authorize anyone to run my credit twice.The manager of the XXXX, AL branch called me this morning to let me know Towers home office and her supervisor XXXX are not going to remove either of the inquiries. Any finance company should not be allowed to run 2 hard inquiries on the same day for the same loan. I only have 1 loan and have only ever had 1 loan with Tower. There should NOT be 2 Hard inquiries and I want 1 of them removed. It is on my XXXX XXXX. I have tried to handle through Tower to no avail. Please help.
05/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AL 360XX	Web
I received a process of garnishment from XXXX XXXX for the company named XXXX XXXX XXXX XXXX. I had told them several times that I had got injured at work back on XX/XX/XXXX and had been off work since then. I had a XXXX XXXX on XX/XX/XXXX and on Thursday I had this document delivered to me for garnishment. Several employees from this company have been to my place of residence and was aware of my condition. I just was released by the doctor to return to work on XX/XX/XXXX. The amount that this company is asking for is more than the contract amount that I received. I was given a loan in check form in the amount of {$2000.00} or it could be a few dollars more or less. I had been paying on this loan up until I was injured and I am trying to figure out how could he sue for {$2700.00} when I have indeed been paying on this loan before I became injured. It seems as if this loan company want money that I already paid towards the loan too. And I thought since the pandemic was going on companies are not able to collect on debt.
03/10/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MS 396XX	Web
I borrowed some money from Tower Loan of XXXX I was paying on time every month until XX/XX/XXXX when I had to stop working due to medical problems and did n't have any income coming in because I do private sitting. so I paid half for XX/XX/XXXX and every since then they call everyday 3 to 4 times literally everyday including the people I put down as a reference filling up the mailbox say they have to put a date in the system as to when I 'm going to have the money I can tell them I do n't know when I 'll have it and they keep insisting I give them a date I 'll have the money She hang up and call the cell phone then my references then they laugh on the phone ( not professional at all ) stating we have to put a date in the system but a letter was sent stating it was going to collection a month ago but Tower Loan of XXXX keep calling and calling it 's to the point I feel I 'm being harassed I know bill collectors should n't call 3-4 times a day I 'm I the only one that borrowed money? PLEASE HELP ME FROM THE HARASSMENT
07/28/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	LA 71107	Web
In XXXX of 2018, I was sent a preauthorized check from Tower Loan for the amount of {$1200.00}. At the bottom of the page, it clearly stated that the amount I would have paid back was {$1400.00}. On the back of the paper with the disclosures, it clearly stated that no insurance was being sold in connection with the loan. When it came time to pay the loan back, Tower Loan called me and said I was approved for an additional {$500.00} to this loan. I did not contact them. I agreed and when I went to sign, they treated me very poorly. Then, next thing I know, they started demanding that owe them {$4200.00}, stating I had signed off on all these insurances I never Asked for or agreed to. I have been harassed relentlessly, and I Do not owe them for charges I never agreed to, especially when it clearly stated on the original loan document, that no Insurance was being sold with then loan. These people are bullies, and have called me at work, at home after XXXX XXXX, and have still contacted me after we went to litigation.
07/08/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MS 39440	Web
Dates are as the following : I received a Writ of Garnishment XX/XX/XXXX from XXXX XXXX XXXX I contacted the XXXXXXXX XXXXXXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, MS XXXX on XX/XX/XXXX in writing to request the garnishment be ceased. The company XXXX XXXX was paid in XXXX. XXXX XXXXXXXX XXXX XXXX never wrote back. I received a hard credit inquiry on XX/XX/XXXX from the company XXXX XXXX located in XXXX, MS XXXX I spoke with XXXX at XXXX XXXX at XXXX. on XX/XX/XXXX he stated, he bought the debt from XXXX XXXX and XXXX XXXX charged off the debt on XX/XX/XXXX. I was never notified of this debt and wrote the company to advise that I was never informed. They never responded. I wrote to the County Court of XXXX County, Second Judicial District on XX/XX/XXXX. They wrote me back stating they did not receive any other court filings other than the original dated XX/XX/XXXX. Due to the above mentioned I am filing a complaint being XXXX XXXX at XXXX ( representing XXXX XXXX never responded in writing within 30 days ).
07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	LA 70802	Web
I called tower loan on XX/XX/XXXX after I pulled my credit report from XXXX and then I called XXXX to find out what was going on why was I showing different things on my report they went one by one of the accounts I had on my credit when they got to tower loan it was 60 days past due and the amount is different every time I make a payment I told the manager its easier to pay on the phone because they are so far I had fell onto hard times and ask to work with me and the manager done a deferral agreement that he told me will put things back on track I have been doing my best paying what I can on the account I call and let them know when Im pay and do my best to keep my word I told the manager what XXXX told me about my credit he told me he never been told they dont report as I was at home my report changed again went down XXXX because of this company I been going through it with tower loan they been doing this to people for years I already reported them to the XXXX nothing was done please investigate this company
01/25/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	LA 71107	Web
I received an installment loan from Tower Loan and paid the loan in its entirety, which has finally been noted on my credit report. However, during that process they kept calling and sending me things in the mail stating that my payments were late. It was not until I disputed that erroneous information did they finally change it and closed the account. However, during this time I started seeing multiple inquires on my credit report from Tower Loan, which looked as if I gave them permission to perform hard inquires on my credit. At that time, I did not apply for any new lines of credit and when I inquired about this situation. I received a letter saying in an attempt to collect my debt, which I had paid in full, they performed hard inquiries on my report. I would like for those inquires to be removed and any of the supposed late payments removed as well. This company is horrible and I can only imagine the many other customers that overpaid their loan like I did. Thank you for your assistance in this matter.
04/27/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MO 638XX	Web	Older American, Servicemember
On XX/XX/2023 I paid off the balance of a loan at Tower Loan XXXX XXXX, MO. Earlier I had paid {$1400.00} leaving a balance of about {$32.00} and some change. Since I couldn't afford to pay it off I waited about a month to pay off the final balance. When I entered the office stating I would pay off the balance it had morphed into over {$100.00}. While complaining about this the manager told me the interest was {$2.00} per day. I asked why the agent who took the {$1400.00} didn't tell me about this, the manager told me the agent had been fired. I paid the {$100.00} plus and advised I would never do business with them again, file complaints against Tower Loan and inform others of the almost usurious actions of the company The manager stated she hated to lose me as a customer. I took her comment almost as an insult. I would not mind if they had charged me a rate whereby I would repay about half the balance they stated I owed. After all I borrowed their money but {$2.00} per day interest is outrageous.
02/01/2019	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	MS 39532	Web	Servicemember
In XX/XX/2015 I took out a loan with Tower Loan. I made 2 payments. Both payments I was told they were unable to provide me with receipts at the time. I stated the payments were not the correct amount in which I paid cash. I was told basically to bad, it is what it is. I stopped paying until they could correct the amount. I have recieved phone calls since stating " what kind of mother or woman am I if I can't pay my bills. '' " How can I afford other things to include an attorney to fight them for harassment if I can't pay my other bills? '' They also refused to give a copy of my contract and stated they will continue to hit hard inquiries on my credit every 30 days until I start paying. I explained card inquiries are for attempts to open ne lines of credit which i'm not authorizing them to do. I was told they will continue to do so if i don't make payments. I informed them this is threatening and harassment and the response was he will continue to go after my credit as long as they can until I pay.
08/15/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 617XX	Web
I admittedly over extended myself with this loan they kept offering to re write the loan so I could pay some get caught up and extend the payment I can not afford it I have asked for a reduced payment or some kind of work out, they always tell me that I have ti bring a full payment which I can not I am willing to pay but XXXX calls me multiple times a day he has called me a XXXX, threatened to come to my house and work. I have at times told hi I would bring money but cant bring what they are asking for so he says no that wont work. Today I got a letter in the mail from an attorney which I plan to call and work out something if I can, but XXXX called me again yelled at me said I was lying and said he would see me in court. Oh and then he told me how much he would be taking out of my paycheck, I really need this harassment to stop but he wont I am afraid to even take any payment in there or have contact with him. I just need help so this harassment is affecting my home life as well as my work life.
04/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 36535	Web
Tower Loan of XXXX, AL reported a hard inquiry on my credit report in XXXX of XXXX. I reached out to them the same week and spoke with a representative who told me to report it to the credit bureaus and that should have it removed seeing I have not applied for a loan with them in years. I did as she encouraged me to do so and they still have not removed it 4 months later. I explained to her that I am in the process of repairing my credit to buy a house and do not need unauthorized hits on my credit. She said that she understood, but the situation has yet to be fixed. I have NOT been in that establishment since XXXX and have not spoken with them either to authorize a loan. I have attempted to reach out to the company and instead of fixing their mistake immediately, they have refused to remove it. It seems as if you ever get a loan with them, they will continue to put an inquiry on your report for years to come! Although they have been paid in full, and you have no business with them!!!! Beware!!!
09/09/2016	Yes	Payday loan	Charged fees or interest I didn't expect	AL 354XX	Web
I have complained to the manager and owner of Tower Loan concerning the Loan obtained, APR of 22 % +. overcharged fees, harassing phone calls during work hours and at my place of employment, but received a negative response. I was also threatened to be taken to court for a {$18.00} late fee. I presented the payment of {$82.00} on XXXX/XXXX/16. The manager refused to accept the payment because I told her I could not pay the {$18.00} late fee. I told her to charge it to the next payment. She said she could not do that. I presented the check again and mentioned to her that I had just made an over payment of {$320.00} on the other account in an effort to pay them off early. She said that did not matter she was going to file legal papers for the late fee and that I would be responsible for court and attorney cost. I told her I did n't think so and to proceed. I have written XXXX posted dated checks of {$320.00} to be taken out of my second paycheck check to pay of their loan balance of {$1000.00}.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70115	Web
this creditors below did not have permissible purpose or my written permission to authorize this inquiry XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX TOWER LOAN-XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX TOWER LOAN-XXXX XXXX Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX TOWER LOAN-XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX TOWER LOAN-XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX TOWER LOAN-XXXX XXXX Finance ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX
06/01/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 708XX	Web
I received a letter on today XX/XX/ threatening to sue me if a payment is not made. Luckily I made a payment on XX/XX/ because when I tried to go in and verify that my payment had been applied today on XX/XX/XXXX it says I have no active account. It has just been one thing after another with this company from the constant harassment despite me sending a letter asking them to stop now them threatening to sue me when they have never reported to any of the credit bureaus of my accounts being 30 days late and I check on multiple credit monitoring sites both paid and unpaid ( XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX So I am including a screenshot from credit wise where Tower Loan had reported on my credit on XX/XX/ that my payment status with their company as 100 % on time payments. So now I feel they are trying to set me up so they can sue me since my accounts just so happen to say no active account after they just conveniently set me a letter threatening legal actions.
04/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	LA 710XX	Web
On XXXX XXXX I made arrangements with loan Tower Loan Of XXXX XXXX to pay {$110.00} which is 30 days past due and current months payment on XXXX XXXX. I was contacted by a family member and friends XXXX minutes prior to my arrival home from work and advised that a female employee from Tower Loan of XXXX XXXX in white car was looking for me and waiting for me at my residence with an envelope. Upon arrival at my home the female had left and I was given an envelope she had left with a friend. This envelope contained a letter dated XXXX XXXX stating I am " delinquent in amount of {$310.00} which includes late charges and other fees ''. And, that " if I have not made satisfactory arrangements by XXXX XXXX, my account may be referred for legal action, including having a lawsuit being filed against " me. The letter further states, " In order to avoid legal action being taken against you, please contact me IMMEDIATELY. " Sincerely, Tower Loan of XXXX XXXX XXXX by : XXXX, Manager.
01/26/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MO 640XX	Web
I had fraud on my bank account and stated this to the company every day, they called me every single day and I always answered I am at work and they decided to call there when I didnt pick up One day but I he called back w in an hour Ive been written up for being on phone during business hours as I stated that to them I cant get money back from bank until my investigation is done, I have let them know multiple times they started then calling me and my work daily then they called at XXXX XXXX XXXX and they call no caller id after hours and weekends I called back yet again and they keep saying I havent been in communication they want an update daily but Im at the mercy of my fraud and its not quick thing to Solve and I have let them know this then she threatened to File suit on me they have harassed me jeopardized my job as well at my mental Health and I had to go see a doctor for suicidal for the threats of suit and phone calls to Myself and work and now costing me My Job
11/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30606	Web
Few months back I got contacted by an debt collector from Tower loan. She kept calling me almost each day. I thought it is a fraud call as whenever I asked her to send me a documented copy of the loan paper that shows that I have taken that loan, she denied. Instead she asked me to go there in their office, which did not make sense to me as long they can not share the real proof that loan has been taken on my name. This kept happening and I still continued to think that it is a fake call. I also kept getting mails from tower loan which just tell that I should go there and talk to them. All of these seemed nonsense to me as they could not provide the real document. In the meantime I moved to Georgia where I got a new job in XXXX. when I got the last mail from Towerloan, I got suggested by my friend to check my XXXX report, which showed the loan that tower loan kept claiming that I have taken from them. This made me realize that something really wrong has been happened.
12/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 705XX	Web
In XXXX of this year I saw 4 inquiries on my credit report by Tower Loan. I was shocked. I have never applied for a loan from Tower Loan, done business with them, never even stepped into one of their stores. I called and complained. My husband had applied for a loan and apparently gave them my info because I have better credit than he. I told them that was not ethical or legal. I did not authorize them to search my credit, I had not signed the application. I was told that they would write to the reporting agencies and have the inquiries removed. Each month I have had to call again about it. Over the last 4 months, 2 of the inquiries were removed but 2 still remain. My husband has been borrowing money off and on to support his trading compulsion. These finance companies prey on people like that, offering greater amounts of money each time a loan is repaid. It is enabling his addiction. I wish they would close his account completely and no longer do business with him.
11/14/2022	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	LA 71111	Web	Older American
Other than back to back calls, after hours and weekends. They have shown up at my house three times. They say they do not do business with XXXX XXXX XXXX, who I eventually shared that I had joined to pay them due to my financial hardship, but each message is different from them. One lady pulled up on me here at home when I was outside cutting grass. Then a man showed up at my front door on the XXXX, I believe, then he returned today, knocking repeatedly on my door. They are harassing and scaring me. They told me on another phone call that, if they received money from XXXX XXXX XXXX they would accept it but I would still owe the balance. Then this weekend, they called and said they would garnish me by XXXX And then showed up today, Monday banging on the door. They are Tower Loans, phone number XXXX. I have XXXX videos on my tablet of him at the front door that I can not attach. If you need them send me an email and I can forward them. You would be shocked. XXXX.
07/02/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 611XX	Web
Tower Loans of XXXX XXXX has filed suit via a Debt Collector lawyer on a debt that I did not owe or sign for. I have not been notified of this debt and they have not validated this debt. The only way I knew that this was happening and that they were fraudulently charging me and attempting to sue was by chance. I was contacted by a local Bankruptcy lawyer looking for my business and was provided with the court filing that included the lawyer filing the suit. I have demanded debt validation with both Tower Loans and the collector, but I am filing complaint asap to get this resolved and stopped immediately. My income is through my late husband 's social security income for our children and not garnishable anyway. However, since they have not provided me with any debt validation and have moved to sue without any contact or warning, I have no choice but to submit this complaint and notify them that I will pursue a suit of my own for their violation of the FDCPA.
03/08/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MS 38632	Web
I have had multiple issues with this company. Out of all the places I have had loans this place is the worst. I have also sent in 3 complaints via the website and have heard nothing back from them. I am tired of the being bully 's, yelling out my personal information in the office, and threatening me. They are bringing up my personal children in the matter. I called to get a payoff on XX/XX/2019. XXXX quoted me {$700.00}. I called back up there the following Friday, and my pay off was {$910.00}. My wife paid it, and didn't ask questions. We were just so glad to be away from this crooked company. Well they call last week about a return check. Now they are bullying me trying to get me to pay this when it took them over 2 weeks to get a notice. I shouldn't be responsible. Especially after i just gave them {$910.00}. They can settle without the $ XXXX.I have paid the more than what I borrowed. I want this taken care of and I want them to never call me again.
03/14/2018	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	MS 390XX	Web
I have two dates they have come by the house looking for me and those were XX/XX/2018 & prior to that, it was about a week or two before on XX/XX/2018. Then on XX/XX/2018 they called my Work. After they were told not to call again, they did later that same day & harassed a coworker by questioning them whether or not they were delivering their messages to me. Then on XX/XX/2018 I sent a cease & desist letter. XX/XX/2018 they contacted my sister in law & my biological sister about my debt. The calls to my employment are daily and have been since the beginning of XXXX of 2018, even after they asked to stop calling. I am filing bankruptcy and was advised to stop paying & their pursuits to collect on me have been relentless ever since. The bankruptcy hasnt yet been filed due to not being paid in full but it will be in the next 30 days. Im just following the advise of my attorney by filing this complaint in hopes of getting the harassment to stop.
09/27/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AL 355XX	Web
I have a personal loan with Tower Loan in XXXX, Alabama. Due to hardship from reduced hours at work, I hired XXXX XXXX XXXX XXXX to help me consolidate and settle my debts. I was advised by XXXX XXXX, not to accept debtor phone calls because they will deal directly with the creditors. Tower Loan has called my number as well as my job, my family members and my friends leaving threatening messages to reach me. Several of the people they have contacted have asked to be removed. Today, XXXX XXXX,2017, I contacted Tower Loan, against the better advise XXXX XXXX, to tell them that I was utilizing a debt consolidation company to help me settle with them. I was advised that Tower Loan will not work with credit consolidation companies and I had no choice but to renegotiate my contract with them and resume monthly payments. I reported this advise to XXXX XXXX and they advised me to submit a complaint with the Federal Trade Commission for harassment.
11/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39702	Web	Servicemember
I have a large amount of hard inquires on my credit report with each credit report agency. I can verify the ones I consented to but I don't have knowledge of the others. I have not given my permission to check my credit. Unfortunately I am in the process of a divorce and my soon to be ex has been very free in the past with my personal information to obtain credit. I'm frustrated and I have been working hard to get my credit back to good and this is a huge set back. Can you please help. their customer service would not help and take care of the negative inquiries reporting to your credit bureaus. My name is XXXX XXXX XXXX has the following : XXXX/XXXX-XXXX XXXX XXXX XXXX TOWER LOAN-XXXX XXXX ( 3 DIFFERENT TIMES ) XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX has the following : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX has the following : XXXX ( 3x 'S ) XXXX XXXX XXXX XXXX ( 2'xS ) XXXX/XXXX TOWER LOAN
08/24/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	AL XXXXX	Web
I mailed letters to Tower Loan at XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX on two separate occasions : XX/XX/22 and XX/XX/22, yet a XXXX continues to call my phone, my work place, my mother, my sister in law and my husband DAILY from XXXX. She merely states that she needs to speak with me, as if she is a friend of mine. This is very misleading and I feel as though it is both unethical and fraudulent to be posing herself as someone who knows me personally. The letters plainly informed this debtor that I was being represented by XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX AR XXXX and my attorney XXXX XXXX XXXX at XXXX. She has continued to ignore my letters and keeps calling XXXX, to XXXX XXXX of harassment for my employer, my mother, sister in law and husband. My letters gave them all the information they needed in order to cease and desist all communication with me and to ONLY communicate through my legal representation.
05/10/2017	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	AL 36701	Web	Servicemember
My loans have been consolidated with a consolidation company and this company refuses to respond to the consolidation people. I tried to explain to them that I was struggling financially so i entrusted a company to pay my bills for me so that I can at least have money for the month, but they refuse to listen to me. They call my references daily, my job daily, my home daily and they have been putting letters in my mailbox on my property and on XXXX XXXX , 2017 whic h is tonight, I heard someone at my door like they were trying to break in and it startled me because I live alone, and when I went to the door they were backing out of my driveway and they put a letter in my door after XXXX . Ive asked them to stay off of my property but they refuse. They are scaring me coming to my house and I want this to stop. If they want their money they should work with my consolidation company and stop harassing me. This has gone too far.
12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33556	Web
On XX/XX/XXXX I received a notification through XXXXXXXXXXXX that a hard inquiry made on both XXXX and XXXX credit agencies on XX/XX/XXXX by Tower Loan XXXX XXXX XXXX XXXX, XXXX, MS XXXX However, I did not request any financial services from Tower Loan and called multiple branches to inform them about unauthorized requests at the numbers below : XXXX XXXX XXXX I've been advised by customer service reps at these branches to file a credit reporting dispute using online form at https : //www.towerloan.XXXX and to dispute it with XXXX and XXXX credit reporting agencies directly. Nevertheless, I received a letter from Tower Loan dated XX/XX/XXXX that stated that " this appears to be a valid attempt to obtain credit '' and no additional information has been requested. XXXX Credit agency sent a letter confirming that they removed a hard inquiry because it " was deemed a fraudulent application ''. XXXX has not responded as of yet.
09/27/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Credit inquiries on your report that you don't recognize	MS 392XX	Web
Was offered a new loan when I went in to make a payment i told them I was not intrested at this time maybe in the near future I let the salesman talk me into letting him filling out paperwork so that it would be ready when I decided to Come back Was told that Nothing would be filed until I returned, at this time after I left they ran my credit anyway then when I came back a month later to complain that they had run my credit without my permission But now I was ready to take out a loan but was not going to do anything till they removed that unauthorised inquiry because I did not want yet another inquiry on my credit so they were supposedly looking into this and while they were doing this they ran my credit again thinking that if he got me aproved that I would just forget about the whole thing. I never even said anything to me about running my credit I found out when I got home and had an alert from XXXX XXXX.
04/26/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MO 640XX	Web
When I took out this loan I was ok, i'm XXXX and on XXXX, things became worse with my XXXX, daily money problems and then became unable to pay anymore after making only 1 payment, now they are harrassing me daily by making 1-2 calls to me by the manager " XXXX '' XXXX I've warned her she is harrassing me and making my XXXX worse but she refuses to understand and keeps calling and is calling my references and i've told her to STOP harrassing me and anyone else, but she will not do it, I want this to stop immediately, I can not make these payments because of the high cost of everything now days, alot of things are changing for the worse and now my rent has increased, not by much, but i'm looking to move and it's impossible with how rent has changed. She needs to stop. I refuse to talk to her, someone needs to warn her she is harrassing me in everyway, mail, phone, all ways possible and it needs to STOP.
04/05/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MO 657XX	Web
I have been struggling to make loan payment to Tower Loan, due to unforeseen Bill 's. I called when I began to struggle & they suggested I come in to redo the loan. I did, but didn't have all the information they required. I explained again I was not able to repay the loan at this time. The manager of the store called today XX/XX/19 & said he needed a payment of {$100.00} which I explained I did not have. I am on special security dissability & recieve payment monthly via XXXX XXXX. He proceeded to tell me that he could go to court & have my payments garnished. When I told him I recieved dissability & legally he could not do that. He replied that he would place a lien on my XXXX XXXX card which has my XXXX payments on it. Which he can also not do. To which he replied .. he didn't know how I could even sleep at night & that I was surely raised better than that. At this point I just hung up the phone.
05/19/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 604XX	Web	Servicemember
They have called me multiple times at work phone number after I told them multiple times to not call me at work. Today XX/XX/2023, approximately XXXXXXXX XXXX, I saw they were calling my work phone and I answered. I told them again not to call me at work and that I will call them back when I get off work and I hung up. XXXX immediately called me back on my work phone. I again told him Not to call me at work and I would call him back after work and I hung up. This company has disrupted my work productivity when they call me at work. This afternoon, XX/XX/2023 when they called I was sobbing at my desk over this phone call and embarrassed in front of my coworkers making them having to hear my personal business. One of my coworkers has witnessed the other harassing phone calls & me telling them not to call me at work. Thats harassment has made me not want to even deal with these people any longer
02/09/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 700XX	Web
I took out a loan with Tower Loan XXXX on XX/XX/XXXX. During that first 6 months I was able to make payments conveniently via online or by phone monthly. Due to an error on my part there was an XXXX for the XX/XX/XXXX payment which was immediately addressed and paid. It was then difficult to conveniently make payments to my loan. The companies online and phone systems are not available to me for convenient payment options. Tower loan will not accept payment via check nor debit card from me because of this one account oversight with the XXXX The representative advise that I must come in person to make these payments as I am locked out of these convenient payment options for a full one ( 1 ) year due to one XXXX on my payment history. The office hours and travel time of over XXXX minutes to their nearest locaction to pay in cash make it extremely difficult to make my payment in a timely manner.
11/22/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MO 65804	Web
Tower Loans accused me of bouncing checks and having insufficient funds in my account. I have never written them a check and there is no transaction history in my account that they attempted to debit. I explained that this is a misunderstanding but they are now demanding that I pay them cash or by money order. I have offered to pay them in full with the condition that we use a debit or personal check because it is important to me to keep records. They have refused my offer and have been harassing me to make cash payments. I don't feel comfortable giving them cash because it seems sketchy and I don't want them to lose or mishandle my money. Also, I would like to keep records of my payments. They have been completely uncooperative, and rude, calling at night from random phone numbers, and threatening to take me to court. I just want to be treated fairly, settle this debt, and not be harassed.
02/28/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	LA 70560	Web
I have talked with XXXX at tower loan multiple times in XXXX XXXX to explain to her that do to the loss of my sons income and my fiance having to pay 40 percent of his medical expenses and me having to support myself and my XXXX family and we had to move to a more expensive place because our landlord wouldn't fix anything. I asked the guy on the phone and he advised me to pay on the 2 secured loans and let the unsecured go since we are judgement proof. XXXX called me a liar and said he didn't say that. XXXX told us file bankruptcy. We asked her to lower the monthly payment so that our family could afford food and medication. She refused. She also refused to take full payment on 2 accounts saying if we defaulted on 1 she'd sue us for all three keep in mind we are judgement proof and both XXXX or XXXX XXXX. This has caused me to attempt XXXX and have XXXX. She also threatened us with jail
03/11/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AL 354XX	Web
After instructing the company on how they CAN contact me ( via email or mail ), they have continuously called my cell and WORK phone. I specifically told them not to call either. Received calls at work on XX/XX/22 and XX/XX/22. Received calls on my cell XX/XX/22 and XX/XX/22. On XX/XX/22, they called my phone FIVE times in a row when I didn't answer at XXXX XXXX and from a number that did not identify them ( XXXX - a number that is registered to a cell phone in XXXX, AL ). I recognize I owe them money and always pay my debts. The payments may be late, but they are always paid. However, I can not have calls at work and they harass my cell, so I have told them not to contact me in that way and gave them ways to contact me- using the sample letter on CFPB 's website. Prior to sending the letter, they were attempting to contacting me every day, several times a day. Letter is attached.
04/09/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MO 630XX	Web
I have been contacted by XXXX and XXXX at Tower Loan in XXXX, Missouri regarding my past due bill. I have explained that I have no job and no money at this time. In fact, I can't even make ends meet. There is absolutely nothing that I can do at this time. However, I have continued to receive daily repeated phone calls, which I chose stop accepting because I have repeatedly explained that I could not afford to do anything. Today, XXXX had contacted several of my references in an attempt to get me to call her back. It is an intimidation tactic, which borders on harassment since she knows my phone number is correct. I do apologize for being in this situation, but I have repeatedly told XXXX and XXXX that I have XXXX money and calling my references is not going to achieve anything. I refuse to speak with Tower Loan anymore. Please tell Tower Loan to stop calling myself and my references.
02/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	IL 60002	Web
On XX/XX/XXXX, I accepted and cashed a check mailed to me from Tower Loan in XXXX, IL in the amount of {$4000.00}. On XX/XX/XXXX, I went into the office located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX and I made my first payment, via cashier 's check, in the amount of {$300.00}. On XX/XX/XXXX, I went into the office located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX and I paid, via cashier 's check, the remaining balance of the loan IN FULL an amount of {$3900.00}. Now I receive calls from Tower Loan daily. They have called relatives, friends, neighbors, and associates to collect a debt that is already paid. I have made copies of all my documentation and receipts and mailed them copies via certified mail. I have let them know I do not owe any debt and also that if there is any discrepancy to please send documentation via mail. They have not done so as of XXXX, XXXX, XXXX.
07/23/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MS 39042	Web
I receive a call weekly from tower loan in XXXX stating that I am two payments behind on my account which is not true because I make payments bi-weekly. The company has gone to the point to use my social security number to find out my new place of employment and harass me at work. I work in a XXXX XXXX XXXX and currently am XXXX XXXX XXXX. When I asked them not to call my job I get remarks of " well if you answer your phone we wouldn't have to ''. I did not give them permission to call my job or anyone else. They harass all day everyday but then send letters asking would you like to borrow more money. I have spoke with several different agents XXXX, XXXX, XXXX, and today XXXX whom was extremely rude. They do not communicate with each other at all. One will call one day asking when a payment will be made. You give them a date and then less than 3 days later they call back.
05/15/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39206	Web
My mom and I got furniture for her apartment last year and she was paying the bill until she lost her job XX/XX/2017 which left all her medical expenses on me since she was declared disabled by her physician. ... .I informed them that payments would be hard for me to make I have tried doing partial payments and post dated check even put myself in overdraft to pay them but they have been very harassing won't take the payments I have tried to make and have been showing up to my house threatening me and my mom about the furniture they have called me 27 times in one day back to back and now that I'm behind on payments they have now put it on my credit report which it wasn't suppose to be they just started reporting this almost 3 months ago but never reported before when the account is almost 2 yrs old I have had a account that was paid in full but was never placed on my credit
01/25/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	LA 70072	Web
I've talked to a couple of people at the loan company. I know its not their problem but I've asked if they have some type of program that I can pay at a later date because I'm having health issue and dealing with my mental health right now and I'm not doing to good. It's always no to everything. No help, no working with you. It's you have to pay this now or we suing you. They call 3 times a day from different numbers. Leave countless voice mails and sent a certified letter made me sign it threatening to sue. Then came to my house with my children home alone and left a note on my gate that they are going to sue. There is no talking to the manager because he speaks very I'll and nonchalant as he doesn't care. I've asked to allow lower payments or pay a little at a time of what I currently had. I was told no that it has to all be paid they can't take any partial payments.
12/26/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	IL 60014	Web
For the last couple of months dating back to at least XX/XX/2023 I have been getting REPEATED phone calls for a woman who does not live in my household. The man is extremely rude, has yelled at my wife and calls constantly. I have told him countless times that the woman he is looking for is not at this number and to STOP calling me. He still keeps continuing to call and harass me about this woman. I have never used this company or requested any information from them and no one in my home has either. The most recent phone call was today XX/XX/2023 at XXXX where my wife got on the phone with him to tell him that we would get our attorney involved if he kept calling us. He then proceeded to yell at my wife telling us that we should just keep blocking his phone number then. We looked up the phone number and it belongs to a company called Tower Loans located in XXXX, IL.
12/21/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MS 392XX	Web
Tower Loan will make several calls everyday about payments. They have been verbally asked not to call repeatedly with the intent to harass me in between payments. I received a letter via USPS mail regarding a past due balance of {$190.00} dated XX/XX/2023. Tower loan then had someone come to my home from their office in XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) and put another letter in my door that was dated for XX/XX/2023 for a delinquent amount of {$190.00}. Tower Loan does not have a lien on any collateral here at our home and had no reason to come there. The loan was acquired via a live check that was mailed to my home that was deposited into our account and no collateral was offered as a means to secure the loan. This type of collection practice should not be occurring and under no circumstance should they be visiting my home.
01/12/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	LA 71118	Web
I talked to the branch XXXX in XXXX Louisiana on XXXX XXXX and he asked me can I make a payment on Monday XX/XX/XXXX I stated I could come that Friday XXXX I would have a pay check he replied No so today XX/XX/XXXX I call because I missed a call and spoke with a XXXX XXXX who told me hold so she could see what the XXXX call was in reference too ; when she got back on the line she was very RUDE and stated disregard the XXXX call the next call would be from our attorney I asked her so dont make a payment on the XXXX she said No! These people call me numerous time a day XXXX or more ; they call from personal cells and all. XXXX going to pay the loan just was switching jobs and needed to pay on XXXX but the XXXX insisted I had to pay on Monday the XX/XX/XXXX. Once paid I will NEVER get a loan form Tower Loan nor would I tell anyone to patronize this company
07/23/2020	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	LA 70461	Web	Servicemember
I was diagnosed with XXXX, at the same time my bank account was hacked for {$3500.00} in which I had to end up paying the bank back because the hack was so sophisticated. That put me in the hole with ALL my creditors. After being denied by several loan companies TOWER LOAN accepted my application. I was under the impression that my car was being used as collateral for the {$3500.00}. Only to find out when I received all the paperwork, in small print was the actual payoff of over {$6000.00}. THIS IS ENOUGH THAT I WILL NEVER PAY THIS OFF AND LOOSE MY CAR in the act. I felt like they not only hid important information to me as a consumer, but played on my demise and situation. Its hard enough trying to recuperate from XXXX and my service connected XXXX now I have to worry about TOWERLOAN possibilities taking my car. This does not seem like FAIR practice
06/11/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MS 38637	Web
I had a loan about 15-20 years ago, at the time my husband was deemed XXXX due to XXXX and XXXX XXXX. I communicated with them and told them I am no longer working and I was about to lose everything, these people have contacted me in the last few days about this debt, I kept getting emails that someone was pulling my credit ... well turns out it was them ... they were pulling my credit every 30 days to get information.I didn't give them permission to pull my credit. If that is the case, how easy it for anyone to steal my information and pull my credit and put things in my name. I am still battling with my husband and I have no income, we are staying with family to make ends meet and I have to deal with this ... even if I wanted to start over I can, they pull my credit every 30 days! MY SCORE IS in the LOW 400s now! WHO is going to give me anything!!!
09/19/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 78102	Web
I took out this loan while i was in XXXX for a year and have had nothing but issues with these people at XXXX XXXX calling me 2 to 3 times a day after leaving messages and also calling my work and leaving messages. This has been going on since i moved back to XXXX in XX/XX/2022. I have asked them not to call my work more than once and they refuse to stop. I also sent 2 letters asking them to stop calling completely and only correspond by letter and all i get was a call telling me that we don't have to honor my request. I have tried to refinance the loan to lower the payment in XXXX but was denied and no other help with the loan no hardship options or nothing. I have tried every avenue and called many debt help companies and Attorneys and am about to have a XXXX with all the calls and issues with Tower loan and do not want to file Bankruptcy.
01/11/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 65201	Web
My name is XXXX XXXX XXXX. I sent Tower Loan a letter asking them to stop calling my work place XX/XX/XXXX, and they continue to do so, even calling my former workplace. Below is an e-mail that I received from my former job : Hello XXXX : I appreciate the message. I have asked them to stop calling. Also, I am contacting the consumer protection agency for them to stop calling. You can report them if they continue to call : http : //www.consumerfinance.gov/. Thanks, XXXX From : XXXX, XXXX Sent : Wednesday, XX/XX/XXXX XXXX To : XXXX, XXXX XXXX XXXX ; Subject : FW : Voice message from XXXX to XXXX Hi, This person seems to be trying to track you down. They called me again today. XXXX XXXX XXXX \| Recruitment & Retention Advisor \| XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX phone : XXXX ( Pronouns : She/Her/Hers )
06/13/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NC 283XX	Web	Older American
XXXX - XXXX XXXX XXXX I filed a complaint of phone harassment by Tower Loan on XX/XX/XXXX after repeated calls to both my cell phone and home phone. I explained to the callers that I dont know the person theyre looking for and they assured me the calls would stop. My son had major complicated XXXX at XXXX XX/XX/XXXX. I need to communicate with my sons providers and this company continues to harass me. After I submitted a complaint I received a letter from XXXX XXXX, copied to XXXX XXXX XXXX XXXX XXXX. Again, they apologized and assured me that my phone number was removed and therefore the case is closed. THESE PEOPLE ARE LIARS. THEY HAVE NO INTENTION OF STOPPING!! I just received another call from Tower Loan. Right now on my home phone. I have no business with this company. I do not know the persons they are looking for!
03/15/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AL 36830	Web	Older American
XXXX XXXX is calling all times of the day and late evening. But, worse they are coming to my house at all hours of the day and evening ringing the doorbell and banging on my door. They do this 2 or 3 times a day. We have told them to leave our property or we will call the police and they say they are not leaving. This has been going on for weeks. My family life and working from home has been totally disrupted. We are prisoners in our home.. they come to my house, my property several times a day. I feel threatened by them and so do my grandchildren. They are stalking my family. They are threatening to put a lien on my house. They will not stop this harassment on my property. Every day no matter how many times they show up banging on my door and harassing me and my family, they leave the document attached in my door.
08/31/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MS 392XX	Web
i have on several occasion had to pay less than what was due on this account at tower loan in XXXX, XXXX , i keep it as caught up as my finances will allow without just blathing not paying it at all, i get repeated rude intemdating calls from this branch and all of its employees including the branch manger who went so far as drive to my home where my children were to leave me a note taped to my door, then i was informed that he was in fact allowed to do so. they contiue to call me with rude, intemdating calls repeated calls and even call my place of work after being told not to do so. even when my account is caught up my balance is substanilly higher than it should be it seems like no matter what i pay the balance never changes. XXXX XXXX, XXXX and XXXX are all part of the calls that are not professoinal at all.
10/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MO 652XX	Web
Unfortunately I had to file Bankruptcy with Tower Loan in XXXX, MO. Being one of the creditor 's. I called in and gave the lady employee my lawyers information and let her know what was going on. The branch manager then called me back trying to convince me that the best move was to still pay them. I explained it was better for me to file on all my creditor 's. At that point XXXX said that he was taking this personally. He had " stuck his neck out " for me to get the loan and it was a " kick in his XXXX '' then he told me it was the worst time of year for me to do this and that I was " XXXX up his XXXX bonus '' He then went on to say how " he didn't know how I could stand myself i was a bad person '' " your just a horrible person '' He then threatened " ill be at your hearing wait until you see what happens ''
07/19/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	LA 71111	Web
I took out a loan for {$8400.00} " around about '' 2 years ago then about a month ago of this year they offered me to skip a monthly payment if i took out another loan so i agreed and asked for a XXXX $ which they denied and said i can get XXXX $ and i agreed to that. What i did not agree with is them Refinancing my loan. In the 2 years i paid XXXX a month and dropped total amount including interest down to around XXXX. That was the total amount left on the account when i took the XXXX $ loan out to skip a month. Now my total account balance is XXXX $ after i made this months payment of XXXX. I did sign new paperwork that i was informed was for the XXXX $ i received and the interest. This will be my first payment on this account since i received the XXXX . I can explain for in depth if needed. Thanks, XXXX XXXX
06/14/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39452	Web
Tower Loans has been a horrible company to work with from the beginning. They repeatedly use harassing and strong arm tactics for collections. Including numerous calls a day, and calls to other people about your loans before you are a day late.Tower Loan in MS has now pulled hard inquiries on my credit without authorization. This loan was charged off and account closed in XX/XX/XXXX and they still make hard inquiries every couple of months. Inquiry details Twr Ln-sys Inquiry from XX/XX/XXXX Finance This inquiry could stay on your report until XX/XX/XXXX. Twr Ln-sys Inquiry from XX/XX/XXXX Finance Twr Ln-sys Inquiry from XX/XX/XXXX Finance Twr Ln-sys Inquiry from XX/XX/XXXX Finance Twr Ln-sys Inquiry from XX/XX/XXXX Finance Twr Ln-sys Inquiry from XX/XX/XXXX Finance Twr Ln-sys Inquiry from XX/XX/XXXX XX/XX/XXXX
09/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35226	Web
I had several accounts charge off I paid off for deletion and the charge off still on my credit as well as some accounts report that should be deleted and report wrong. This has take a toll on me mental where I cant even get loan for my business. Ch XXXX need be taken off because I never went through it. Tower loan - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report collection that was false took my score down 70 point. I paid them also old account. This has effect me I work so hard pull up my score and it has not help I paid over XXXX in charge off and still reports negative as well repo that was sold and not liable for should be Delete instead report negative against me a lot the info is wrong my report I have disputed it all three credit bureaus and still no action on their part
08/20/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70126	Web
I did a loan with them because i was truly in a bind, when i went to them, a young guy helped me and asked me if i wanted insurance on the loan and i told him no. He proceeded to ask me about possessions that i had in my home and added all of it on there. Unknowingly to me, that was him adding insurance to the loan that increased the payment of the loan. Once i was told of the first payment, i was confused and called to complain. The manager at the time wasnt helpful at all by the way. Also when i missed payments, they called and harassed me and the individuals at my job, giving them my personal information. They informed my coworkers that i owed them and that i was months behind and i could go to jail. That was an invasion of my privacy and my coworkers can attest to them giving out my personal information
04/28/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IL 626XX	Web
I have a past due account with Tower Loan. My husband and I unfortunately had to make the decision to file a Chapter XXXX Bankruptcy. We retained a lawyer and I informed a woman from Tower Loan, ( I believe her name may have been XXXX? ) that we were filing. She became very nasty and rude with me, I just responded with my attorneys name and number. Instead of calling and verifying the information I gave her, this office just has continued to hound me and my husband. They have now resorted to calling our references. For what reason? They know we are filing bankruptcy, the only reason why they would keep calling us is to harass us. AND the only single reason they would call our references is to embarrass us. These are repetitious phone calls that are just intended to annoy, abuse, or harass me and my husband.
01/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	AL 36303	Web	Servicemember
At the moment all I can say is that I know who ( which ) XXXX community organizations in XXXX XXXXXXXX XXXX XXXX help me with my XXXX XXXX XXXX XXXXANDEMIC FUNDS Provided TO HELP ME ( RECIEPTANT ) BE LIVING ING A STABILITY HOUSING ..I HAVE DOCUMENTS OF HOW THEY HAVE TOOK XXXX OF UNNECESSARY GOVERNMENT FUNDING TO MISUSE AND FRAUDULENT DAMAGE MY CREDIT AND PUT ME IN a over my Budget place and blocked me off the programs and stealing still through the EMERGENCY RENTAL ASSISTANCE PROGRAMS AND ALL OTHER HELP TO ... ITS XXXX MUCH I JUST SO OVERWHELMED. I'VE BEEN LIED, Threatening, XXXX XXXX XXXX XXXX XXXX XXXX This has been going on since XXXX - XXXX ( {$550.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/08/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	MO 65202	Web
I receive solicitations in the mail from Tower Loan. I have been to the office in XXXX, MO to request that these are no longer send to me. I've called the business directly and made a request to not send me solicitations. Every time I speak with somebody they promise to remove my information but that ultimately doesn't happen. I've added my information to the FTC 's database for out-out indeterminately in the pre-screened credit offers. https : //www.consumer.ftc.gov/articles/0148-prescreened-credit-and-insurance-offers I consider these letters I receive in the mail as spam and given the multiple requests to cancel them, harassment. This portrays a company as deceitful and showing no respect for their consumers. I no longer wish to ever do business with this company ever again based on their actions
10/07/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70805	Web
I was served lawsuit papers in XXXX regarding a loan that I've been making payments on. Loan company has been deducting lawyer fees from the payments and the attorney that's representing the loan company has sent me invalid debt due amounts twice. I've requested debt validation letter which should show my full debt including payments that I've made, interest accrued and the fees that's being deducted from my payments but they either cant prove the amount or dont want to send me the information. As of now, I have not received a judgment from the courts, clerk of court says I have no judgment because the attorney has not taken any further actions, but they are also charging me court cost. I've spoken to the district and regional manager regarding this and everyone is giving different information.
07/06/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 70461	Web
I purchased furniture at XXXX XXXX of XXXX, The terms of the agreement were 12 months same as cash. My finance agreement is through TOWER LOAN and is calculated differently. The interest has been added to the purchase before the finance agreement of 12 months with no interest has expired. This company also does not send out statements for the monthly payment due. I asked them about the statement and was told we do n't send statements- they only send out late reminders. Date of XXXX XXXX XXXX, 2016, I reported this to the furniture company XXXX XXXX, 2016 and I am now reporting this to you. This is unfair lending practices and needs to be investigated and prosecuted for taking advantage of the undeserved XXXX. TOWER LOAN is charging interest in advance and this is against the law.
04/20/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	MO 64804	Web
On or about XX/XX/2020 Tower Loans ran my credit without my authorization and it caused my credit to have a hard inquiry this company has a judgment against me and no where in said judgement does it give them the authority to run my credit as the judgement supersedes the contract and they did this frivolously during a National Pandemic with the COVID19 going on the entire US is under a federal emergency and our state emergency also they are still attempting to collect a debt during these times is shameful and unprofessional and needs investigated as they violated my rights and the FCRA in doing so Im unemployed as a majority of the USA is and this must be investigated they even told a third party about my debt previously is why I quit paying on it which also violated my rights
02/21/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 622XX	Web
I was unemployed for a little over XXXX XXXX following a near fatal motorcycle accident ( a hit and run ) that ended with XXXX broken bones and a XXXX long hospital stay. Ive had XXXX XXXX over the last XXXX months and finally returned end of XXXX to work. Ive been struggling to pay all of my bills and have been denied assistance during this time. Once back at work, I XXXX XXXX and was unable to work for almost XXXX weeks. I am XXXX days late on my personal loan with Tower Loan and they have begun to contact my extended family and abusive ex that stole money, belongings, and my cat from me. XXXX told my ex today, Monday the XXXX, that I am in delinquent status on my loan and that I owe them money. He is now holding that over my head as well and making it publicly known.
11/27/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	MS 386XX	Web
I had taken a small loan out for a medical trip for my son was paying on it and close to paying off the company would call every outher day different people offeringnto lower the payments and give me pocket money as well..when asked what would the payments be the " teller '' said they would have to process the application then during the process come to find out he was being trained so he did not know what to do..he refused to show me the computer screen so i could see/understand what was being added.. and also was told i had to sign a digital line so there was no proof of what was being signed vs what was being said.. i have tryed to resolve this and i found out the " teller '' added Collateral that i dont and have never owned..that store has a HIGH rollover of employees
05/19/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MS 389XX	Web	Older American, Servicemember
I received several flyers in the mail from these people and a number of phone calls inviting me to apply for loan if I ever saw the need arise .. . s XXXX XXXX XXXX borrowed XXXX from Tower Loans to pay income tax ... was told there would be no early pay-off interest/penalty should I decide to pay it off early ... the terms were XXXX for 26 months ... 30 days later I paid the account off in full ... today I received a notice I still owed XXXX in interest for using their money for 30 days ... or 35 % ... nothing of such was disclosed during the signing of these loan documents ... these people are rip-off artist ... it is a good thing I did n't spread this out over the entire 26 months I would have paid additional thousands in undeclared interest ...
06/14/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 77489	Web
Tower Loan sent someone to my house in XXXX to place a letter on my door, this is trespassing. I called and spoke to XXXX ( Store Manager ) and told him I was having trouble paying my loan and DO NOT send no one to my house again, he informed me that he was in his legal right to come to my house whenever he pleased. I told him do it again and see what happens. I asked him not to call my employer or my family, Tower Loan continues to do so now it's harassment. I've filed a complaint with Texas OAG and now with CFPB. They continue to call my phone and my job. The employer is sick of it and so am I we about to take legal action due to harassment at a place of business. Today I will send a cease-and-desist letter priority mail to see if they get the point.
06/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 630XX	Web
Tower Loan, XXXX XXXX XXXX XXXX, XXXX MS XXXX has been reporting an account that they have not validated as mine nor have they sent me a valid contract proving that I have a loan with their firm. I have tried to get them to perform these tasks or simply delete this information from my credit reports. To date, no response at all. Therefore I would like the loan/account information DELETED as soon as possible! I have all the certified receipts from them so I know they got the notices. This has hurt my reputation ; severely damaged my credit thereby making it hard to get a house, car or other credit cards. They have also broken several federal and state laws!! DELETE! DELETE! My next step is court action. I have informed them of this option also!
05/05/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 70360	Web
I spoke with the company on many occasions telling them I was filing bankruptcy. I know they still have the right to try and collect until I receive a case number. XXXX went to my house and handed my sister a letter that was not in an envelope that stated my account was seriously past due. When I called him to tell him that the letter should have been in an envelope because he was giving confidential information to someone that was not on the loan. He said oh well sorry if that hurt your feelings. I then began to explain why I had to file bankruptcy and he said that when he lent me the money in was not circumstantial to my financial problems. I explained to him that bankruptcy was my last resort and that I tried other avenues and he was like oh well.
06/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 31907	Web	Older American, Servicemember
I had an installment loan with Tower loans the original term was 15 months I paid the account in full on or around the XXXX XXXX XXXX 2017 and was told the account was paid in full and closed. On reviewing my credit reports through XXXX the XX/XX/XXXX the account was still reporting as open. I filed a dispute with XXXX and XXXX XXXX through XXXX XXXX who said that they investigated it and there was no change. I submitted a second time and on XX/XX/XXXX Tower Loans updated and said I have a balance of {$1400.00}. I called a local branch of Tower Loans spoke to the manager who told me that their corporate office submits the credit information and it may take them 90 days to do it. I asked for the number for the corporate office and he hung up on me.
07/20/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	MO 647XX	Web	Older American
I received a letter from Tower Loan on XX/XX/2023 saying that they were going to approve to lend me money. They or This 3rd party person suddenly changed their mind about not lending I believe because of civil rights discrimination? They really did wasted my time and fuel for driving down to their office causing me to have serious problems with money damages. It should be considered as sabotage for false advertising and extortion against me on my personal reputations Thier manipulation on Credit inquiries against me from leveling up As a loyal customer they turned me away from getting a personal loan. These narcissists only interested in ruining my life they punctured my credit score from building up. Im done dealing with Tower Loan in the future
05/03/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MS 39208	Web
About a year ago, I received an installment loan from Tower Loan on XXXX XXXX XXXX in XXXX, XXXX XXXX Within the last two months, I requested an additional {$1000.00} dollars. I was told that I had to have insurance in order to secure although I told them that my products were insured. I was asked to list household products with a XXXX credit score. The loan maturity amount will be XXXX plus dollars once the loan is paid for. I questioned the practice and was told that if paid out early that the additional fees would not apply. However, after during research, I learned that the practice of manipulating clients has been addressed in the past via XXXX XXXX Tower Loan XXXX XXXX ( Civil Case Number XXXX. The company is continuing deceptive practices.
09/04/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MS 39759	Web
In the past, I have had numerous installment loans with Tower Loan, a local finance company. All of the loans have been paid off. However, they are showing a couple of late payments on my credit reports. I am on a fixed income and I always paid them on the first or close to the first of the month, each month. I have spoken to the Manager and he stated that there is nothing that he can do. However, they are always calling my phone, trying to get me to sign for another loan with them. I have all of my receipts, proving that I was not late paying theses installment loans. The two loans that are appearing on my credit reports are : 1. Acct # : XXXX Open : XX/XX/XXXX Amt. : {$1600.00} 2. Acct # : XXXX Open : XX/XX/XXXX Amt. : {$1300.00}
06/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 704XX	Web
I have several inquiries on my credit report that were not authorized by me. I have no accounts with the creditors that performed the hard pull. I did no authorize anyone to run my credit with any of these companies. Listed below are the companies, along with dates the inquiries were ran. The companies have all been contacted and stated that they have no record of the inquiry because they do not keep files if I have no account. I have contacted XXXX XXXX XXXX XXXX . Nobody could help me remove these inquiries that are not mine. XXXX XXXX XXXX XXXX Bank XXXX / XXXX / XXXX XXXX XXXX XXXX / XXXX / XXXX XXXX XXXX XXXX / XXXX / XXXX XXXX XXXX XXXX / XXXX / XXXX XXXX XXXX / XXXX / XXXX
08/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MS XXXXX	Web
I filed for XXXX XXXX Bankruptcy in XX/XX/2022. I was a co-signer for a loan with Tower Loan, for my wife. However, my wife did not file for XXXX. XXXX bankruptcy as well. In my filing, since I am not the primary on the loan with the company, my attorney had me removed from the debt to Tower Loan, no longer making me responsible. I have been paying on my Bankruptcy since XX/XX/2022, and Tower Loan is reporting to Credit Bureaus that I am XXXX late on the account. If Tower loan did not submit a claim to the Bankruptcy Trustee that is overseeing my bankruptcy, then I should not be held liable for any late charges or payments on my credit report. They are the only company I am having issues with on my credit report.
01/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	MS 391XX	Web
The collector was notified in writing to discontinue contact at the phone number provided above. I have since received calls at this number. Also, a garnishment has been granted, but not begun at this time ( I received notice from my employer in writing ), yet the collector still calls me both on my job & cell. I spoke with an account manager on XX/XX/2017 & he is aware of the garnishment, yet I received 2 calls ( work & cell ) on XX/XX/2017 from the company. I have attached a copy of the written notice to cease communications at the above number. There was also a check attached where a payment was made at the time that the letter was issued to the company. They processed the check ; therefore I know the letter was received.
04/07/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 616XX	Web
I was extremely tight on money and needed emergency funds until my hours picked up. Tower Loan sent me a live check multiple times after I had gone online to opt out of prescreened offers. I had planned on paying as soon as hours picked up, but that has not yet happened, so have been unable to pay. This company has been calling me multiple times a day, theyve called my family that I did not provide as references, and have called to harass me at work. They have regularly called from personal numbers, and XXXX, who apparently runs their office, has threatened to come harass my managers in person, called after I spoke with someone else in the office ( same day ) as well as randomly dropping by my house to bother my landlord.
01/06/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	MO 656XX	Web
We have retained an attorney for bankruptcy filing and advised Tower Loan and have also requested them to not contact us any longer. They were also advised to make contact directly with my attorney. They have continued to contact XXXX at her place of employment even after being advised not to call her at work. My attorney sent a letter advising of representation and for all contact to go through their office, yet they refuse to speak to my attorney and continue to call me daily. Their attorney, XXXX XXXX XXXX, sent a letter back stating they have not contacted me or XXXX since XX/XX/2019, but that is incorrect and continue to contact me and her at work and I have recorded phone calls to prove they are still calling me.
08/04/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	MO 63367	Web	Older American
XX/XX/2023. Ive had many loans at tower loan in XXXX mo. I fell upon hard times unfortunately and can not pay this one and believe me i feel horrible.i called to let them know my decision to file bankruptcy i guess the gal i talked to had me on speaker.Immediatly the manager got on the phone and let me have it. I couldn't get a word in he kept yelling at me I couldn't give him the attorney name and number that will be handling the bankruptcy nothing he wouldn't listen to me and continued ranting and making me feel like XXXX. I finally hung up on him I was in tears So today XXXX he calls my cell while I'm at work I didn't answer then 1 minute later calls the work phone. I'm pretty sure this harassment and is not legal.
03/26/2019	No	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	MO 64014	Web
I was supposed to come in and make my payment on XX/XX/XXXX. I did forget to make the payment. Tower loan proceeded to pull a skip tracing report on me and contacted my biological mother whom I have not spoken to in 30 plus years ( she abandoned me when I was XXXX ) This was followed up by the biological mother locating me and contacting me via XXXX. The distress this caused me was uncalled for, the company did not contact my cell phone only my work phone ( I was gone for the day ). I called the company and spoke with XXXX. XXXX admitted she did make the call. I asked why did she not call my cell phone ( no missed calls or voice messages ) She did not have an answer to this but only stated " She was doing her job ''
05/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	LA 70817	Web
1st complaint : I tell XXXX person I coming in on Friday to make a payment ; the next day someone will call to see when I coming in to make payment. Because either the person did note the acct or the new person who is calling did not read the notes. 2nd complaint : I told XXXX people already I coming in on Friday then someone call me on Thursday to verify if im still coming on Friday. 3rd complaint : Someone will call me on Friday if I have not came in by XXXX to see if I still coming. The office is open til XXXX and the also have a drop box. I have explained to them over and over I work until XXXX and I have XXXX children to pick up so I will either get there before the close or put it in the dropbox.
12/04/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MS 395XX	Web	Servicemember
On XX/XX/2019 I was in a local music store that was offering 24 month same-as-cash loans through a company called Tower Loans : Tower Loan XXXX. XXXX XXXX XXXX, MS XXXX When my application was reviewed I was told that they weren't going to bother submitting it because Tower denies all loans to military members. I contacted their local office and was told that they're unwilling to cut the interest rate if I deploy, and when I pointed out that it was supposed to be an interest free loan they told me that it's a corporate policy and there was nothing they could do about it. Are they able to discriminate against me because of my military status regardless of my credit score and ability to pay back the loan?
07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 650XX	Web
In XXXX of 2023, I had my cell phone stolen, while in XXXX, Ohio. My check card was stored in my XXXX XXXX and was compromised. My loan payment that was made to The Tower Loan was returned, due to the fraud on my checking account. I have enclosed a copy of the police report from the XXXX police department. I did speak with the Manager XXXX on Monday, XXXX XXXX at approximately XXXX, and he told me to pay XXXX dollars on the account and the late payment would be removed from my credit. I am giving the loan company 30 days to remove the late payment, or I am moving forward with bankruptcy. I am not going to held responsible for the negligence of someone else or have to wait 2 years to buy another house.
01/05/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MS 393XX	Web
TOWER LOAN has been harassing I, XXXX XXXX, the consumer about an alleged debt. I asked TOWER LOAN to send me validation of the alleged debt and to send me the correct amount owed. TOWER LOAN refused to send validation information. TOWER LOAN sent me a description of payments that were made. TOWER LOAN also garnished my paycheck which is against the law. I also asked TOWER LOAN to stop contacting me and I am still being contacted. TOWER LOAN has been providing false information to the credit reporting agencies. TOWER LOAN provided a document with false information on the document. TOWER LOAN said I made payment to the company in 2021, which is false. TOWER LOAN has violated my consumer rights.
11/19/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OK 73135	Web
On XX/XX/2019 Tower Loan at XXXX XXXX XXXX XXXX XXXX XXXX, Ok XXXX. XXXX. Manager XXXX called my job without Authorized my consent was asking why I was going to make a payment. I did explained to her I never authorized them to called me so pleas stop calling my phone. I did move to another office not sure where they know were I moved to, but I was very upset and embarrassed. I did give them information on why I couldn't make payment, due to no transpiration to there location, plus they didn't have debit to make payment. I was getting called on my phone saying if I don't call them I will get garnishment and they visit my home without my consent. I would like to file this complaint with fine.
05/31/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 708XX	Web
I sent a certified letter to both tower loan central and to their corporate office in Mississippi about the constant harassment I have received from Tower Loan Central. The letter has made no difference they are still constantly harassing me calling my phone. calling my relative and friends phone, and showing up at my house everything that I had asked them not to do in the letter. This is not my first complaint on this company. This time is however the worse because even when I told a representative that she is not supposed to be contacting me by phone and can only contact me by mail she got aggressive in her tone with me and continued to ignore my request for me to not be contacted by phone.
02/20/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AL XXXXX	Web
A summons was delivered to my home in XXXX from Gulfco aka Tower Loan. The woman who delivered the summons stood in my driveway and took photos of vehicles in the drive as well as my home. This loan was unsecured and I feel as though taking the photos was a scare tactic on behalf of Gulfco aka Tower Loan. I never received a debt validation letter from this company and feel they have breached my rights under the FDCPA by not doing so. I didn't get a copy of the original loan documents until the date of our first court appearance in XXXX. This case has been continued until XX/XX/2023 due to me countersuing them for the above reasons along with other violations of my rights under the FDCPA
03/16/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Improper use of your report Reporting company used your report improperly	AL XXXXX	Web
I spoke with XXXX XXXX the week of XX/XX/2021, I was behind on my payments. I explained to XXXX XXXX I had just loss my mom and I would pay the following week, I did not because I forgot, yet in grieving process. I have gotten behind at times before due to coronavirus work issues but never not paid. I returned home XX/XX/2021 and the man up XXXX XXXX from me gave me my mail. There was a unprofessional message written on one of my statements from Tower Loan for the world to see, which violates my privacy. I called down to their office and XXXX XXXX answered, I confronted him about this and he informed me, he wrote the message and he was within companys regulation to collecting a debt.
10/24/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MS XXXXX	Web
Called - XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX both from ( XXXX ) XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XX/XX/2019 @ XXXX XXXX Each time they have called I have requested they no longer contact me via phone, requesting that written correspondence be sent to my address on file. Each time I ask if there is a note in the file detailing that I have requested not to be contacted by phone, in which they verify that they are aware that I do not want them calling me. Call on XX/XX/XXXX the gentleman stated that he mailed a letter on XX/XX/XXXX regarding the two day delinquency, but was calling anyways.
04/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MO 65803	Web
I have a loan with Tower Loan Company, due to a recent accident I have fallen behind however I am making the minimum payments, I just have n't caught up the past due. The company calls me repeatedly throughout the day. Sometimes XXXX or XXXX times daily. They also contact my family and friends as well as my place of employment to the same degree even though I have asked them to stop and I am making every attempt to pay the debt. They have threatened legal action as well as gone as far as to say if I do n't want to be embarrassed by their constant calls then I should try harder to get caught up. I have tried contacting them back, I am making my payments again but the calls continue.
04/04/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 396XX	Web
I took out XXXX loans with XXXX XXXX. The first XXXX was to get my credit up to finance furniture, and the second one was for moving. I have been unable to pay the full amount due to XXXX and the loss of XXXX part-time job within six months. Tower Loan, even when I do pay, will call me to offer me payday loans, will call me the day my loan is due, and if I am unable to pay the full amount, I get harassing phone calls. I have sent them a hardship letter telling them of what has happened and that I plan on paying them in the near future, but it has fallen on deaf ears. I still get harassed continually by them, and they are not trying to help me at all with any of my payments.
03/10/2021	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MS 39402	Web
Good Afternoon, I was contacted by Tower Loan XXXX XXXX Mississippi stating I owed an old debt because a bankruptcy was dismissed. She said my Name is XXXX may I speak with XXXX XXXX I replied this is he she stated this is XXXX with Tower loan we have a balance here of $ XXXX. *** and if you dont pay me today we will take you to court. How would you like to pay this. A little shocked I replied XXXX monthly and got off the phone. I called back and explained she broke the law by threatening these sections and why did she do it. I then asked for a letter explaining all of the above including why the account was reported as closed on my credit report. I need help with this.
10/10/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA XXXXX	Web
I gave the company a check as a form of payment and the lady sent my check in before my direct deposit was put in my account and the credit union I bank returned it back to the company and now the manager at the loan company talking about everything is coming due all at once instead of putting it at the end of the installment payment because this is the first time my payment was returned because all my other payments was paid she is being difficult to work with on this account that I got approved with XXXX XXXX and tower loan is the finance company for them I only have XXXX payments left to pay but tower loan is being hard to negotiate with me please help me with them.
02/01/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AL 360XX	Web	Servicemember
This is my second complaint. They never addressed the issue that they violated my personal privacy by telling my ex husband whom I'm in the process of a divorce with everything about a check sent in the mail. It was all relayed to him in turn he told his attorney about this information. They clearly violated my privacy buy telling my personal information to somone other than myself especially someone fighting me with a divorce. I called and asked why they did that and the lady said she would have a meeting about discussing personal matters. But clearly that is the least of their worries. They are denying it when I have proof from my ex husband and his attorney.
11/30/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	LA 70043	Web
I have tried on numerous occasions to make a payment or partial. They have a rule that if you can't make full payment then you have to go-to their office. I browed money from family to pay these people off. They still processt in me going to the for payment. I am XXXX XXXX XXXX and have never had a bank refuse any form of payment. Yet they do. I have my debt card ready to pay the loan off but I am out of state and can't comply with there wished So I just keep getting late fees. They show up at my job my house anywhere they think I am they try to get payment from me. Please try to act as a mediator so I can pay them off with no added pinaltites. Thanks
09/27/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 62521	Web
I told a gentle man who called on XX/XX/XXXX that I retained an attorney for bankruptcy, and tried to give him the name and phone number. he became abusive, saying he did not want that information he was trying to collect a debt from me not any attorney, I tried to repeat my attorney info and he just kept speaking over me and I hung up. Today XX/XX/XXXX female called me stating she was the branch manager from tower loan in XXXX, IL, I told her that a already told s gentleman yesterday that you need to speak to my attorney, she just began going into the reasons why I took the loan, was abusive and rude and once again refused to take my attorney information.
10/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 64804	Web
On or about XX/XX/XXXX, I XXXX XXXX looked at my XXXX XXXX app credit monitoring and found that Tower Loan is frivolously reporting " inaccurate information '' as derogatory this account is closed and was paid via settlement in civil litigation in XXXX XXXX court their attorneys filed satisfaction of judgement over a year ago case : XXXX and this should have stopped being reported even saying I have a balance due when it's been paid! We will be looking at filing a lawsuit against Tower Loan for this frivolous reporting innacurate info and hurting my credit score. They say it's a charged off account I owe {$290.00} for as seen attached from XXXX XXXX
11/08/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	GA 31909	Web
Ive told the company 3 times not to contact my main line at my employer due to the fact that we can not have personal calls going to that number. Ive explained to them as well that I can get in trouble for them calling that main line number. Which is why I only gave them my direct number at work as well as my cell phone number. I never provided them with my main line number. Ive explained to them over and over the times to call me and yet they dont. They still continue to call outside of those hours which are hours that I am not available. Ive them back in back in XXXX of XXXX XX/XX/2023 and just yesterday XXXX XXXX to not call the main number.
01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA XXXXX	Web
I recently reviewed my Consumer Report where I discovered that ( TOWER LOAN ) date opened ( XXXXXXXX ) a loan installment account was notated as a ( CHARGE OFF/COLLECTIONS ) on my profile. It was never disclosed to me upon our initial agreement that I had the right to opt out or opt into sharing my privacy with a third party. In pursuant to title 15 U.S.C. 1681b ( 2 ) any information communicated or notated on my consumer report should be based on my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No CHARGE OFF/COLLECTIONS should be notated on a consumer report without written consent and an adequate notice antedating 7 years.
01/03/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MO XXXXX	Web
Lost job, broke hip, lost husband, has short ter memory problems, power of attorney told manager would payoff loan as soon as received life insurance within 4 months time. Towerloan has harassed calling all the time demanding money even after being told to stop calling numerous times, Towerloan has also filed a right to cure but keeps calling demanding money. Account is going go be paid off this week but the manager just keeps on calling and demanding money when they have been told to stop calling because she can't remember and they get her worked up everytime. This started in XX/XX/2022. She only owes {$700.00} according to right to cure.
04/19/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 71291	Web	Older American, Servicemember
I had a loan with the local " TOWER LOAN '' Company and the loan has been paid off and I was told they only report to the credit bureaus every 3 months. This is an unreasonable time to wait to see your credit score reflect the removal of the debt. I believe it is intentional to keep consumers in a position where they can not get lower interest loans and will have to keep coming back to them when they need money. I called both the local office and their controlling office in Mississippi for help and got none. As a matter of fact when I ask to have the name of the person in charge of the corporate office I was flat out to ld NO..
11/16/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	MS 38801	Web
Good Morning!! I spoke with the manager in XXXX, MS by the name of XXXX!! He was so rude to me lastnight he stated I was irresponsible and made the statement " to not come crying to him later ''. I felt so awful after speaking with him I work in financing and I know that is not the way you handle customers. I tried to explain to him the reason why I was 2 mths behind he demanded me to listen and kept getting louder by the minute. I do understand that I owe the bill and I plan on getting it paid and caught up. My husband has been off work and im the only one working with XXXX kids. XXXX was one rude individual to me lastnight.
07/12/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	LA 70403	Web
On XX/XX/XXXX she called at XXXX am and XXXX am. On XX/XX/XXXX she called XXXXpm XXXXpm & XXXXpm On XX/XX/XXXX she called at XXXX am, XXXX am, XXXX PM, XXXXpm, XXXXpm and XXXX PM. I answered and I asked them to not call back to back and she refused to identify herself. She also said she will continue to call back to back because the sheriff needs to pick up the vehicle. Again she doesn't know who I am, and she isn't calling for me. She then tells me to XXXX the number and she hung up. These are just the latest encounters. They consistently call from their personal numbers and they curse and talk very condescending.
09/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60007	Web	Servicemember
Business contacting me deceptively claiming to be in business with another individual ( that I do not know ). I believe they thought I did know the individual and were trying to get me to reveal contact details so they could contact them. I do not have any dealings at all with this company. They lied on the phone about who they were, and I thought at first they were a scammer trying to get info from me about people I might know to hack some account of mine. After XXXX the phone number I traced it back to this business and called directly and it was the same person that had contacted me lying about their identity.
08/18/2015	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	LA 710XX	Web
Tower Loans, in XXXX XXXX, Louisiana continues to call my cell phone 5 times or more a day and leave threatening messages for me to pay a loan payment on a loan that I did not take out. They are coming to my house every single day, leaving letters in my husband 's name with my name hand written on them threatening to add me to a law suit that the loan is only in his name. We are currently unemployed I have nicely explained our situation to them and told them we could pay the a portion of the bill monthly but that was it and we have continued to do that and they continue to harass me on a daily basis.
11/22/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	MO 64130	Web
I have ask the XXXX XXXX office several times not to call me at work. On XX/XX/XXXX a XXXX XXXX left a voicemail to return her call. I advised them I cant take personal call, do not call & I can be fire. I also ask them not to call refers. They called my husband several times giving him my personal business, search as past due amounts and caused problems in my home. They called my brother n law giving them my personal business as well. I told this office several time to please stop making these harassing phone calls. My cell number is a good number and has been provided as a mean to contact me!!
03/23/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	MS 386XX	Web
The company TOWER LOAN IN XXXX XXXX XXXX NE WITH A GIFT AFTER VIOLATED MY HIPPA AND IN RETALIATION TO ME FILING HIPPA COMPLAINTS TO A FEW DISABLING CONDITIONS IN WHICH MY COMMUNICATION SENSES ARE LIMITED AS FAR AS VISION AND HEARING. THE COMPANY SENT ME A PRETENSE XXXX GIFT THAT I DIDNT ASK FOR AND AFTER IDENTITY THEFTING My Medical history THROUGH THE PHYSICAL THERAPY CLINIC NEXT DOOR, AND LATER STARTED ASKING ME TO PAY IT BACK AS A FEW WORKERS THERE DONT LIKE ME. And recently had me subpoenaed to court over it and it wasn't supposed to be a loan only a gift even after XXXX XXXX ADVISED ME.
11/04/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 65810	Web	Servicemember
I have submitted XXXX complaints prior to this concerning the same company about calling me and harrassing me over the phone. I as well have sent this company a cease and desist letter about understanding my rights. I have also changed my phone number. They have called me at work and now they have again managed to find my new phone number and begin harrassing me more. I have explained to them i am under financial burden with a new job carreer that has cut my pay dramatically however they cintinue to harrass me. What does it take to get them to cease and desist. My attempts have no avail.
02/18/2020	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	MO 640XX	Web	Older American
XXXX at Tower loan in XXXX XXXX Missouri, violated privacy practices by contacting, and, giving information to my husband ( who is not on the loan ). The information she gave was that I owed them money and was 3 months behind on my loan. I have contacted their main office, and, the XXXX. Yesterday this same woman, apparently after having been informed of my complaint, called and left a rude and very inappropriate message, mocking me. I have informed them of the reason for my delinquency. I did not ask them to stop calling because at that point, I fully intended to make the account current.
02/09/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	LA 70663	Web
This company, Tower Loan, calls continuously. XXXX XXXX XXXX has accepted this account for {$3100.00}. XXXX told me to change my information to their contact information and ignore the phone calls ; however, when I did this, Tower Loan left a voicemail stating that " They do not work with debt recovery agencies, and if payment is not received, you will be sued. '' On XX/XX/2023, they showed up at my home and left a statement in an unstamped envelope at my door. The calls are excessive, but XXXX said to continue to ignore them. I was advised by someone local to submit this report to CFPB.
09/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MS 39206	Web
I'm filing this complaint today because Tower loan has pulled my credit on XX/XX/XXXX without my permission. The last loan I had with Tower loan was in XXXX of XXXX the loan is now closed. I contacted Tower loan about the inquiry they stated that it was correct I asked for proof and was rudely hung up on. So my complaint to Tower loan is I did not authorize my credit to be pulled on XX/XX/XXXX. I would like Tower loan to show my signature of me applying for loan in XXXX of XXXX. If not I would like this information removed from all three credit bureaus ASAP. Tower loan please correct.
11/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MS 397XX	Web
In XXXX, I opened an account with Tower Loan. After a year of installment payments the account was closed. Final payment was made and all debts were settled. Shortly thereafter I noticed a default payment posting onto my credit reports ; XXXX & XXXX stating a XXXX late payment. I contacted Tower Loan about the report and their response was and still is ... .. that once an item is reported, it is company policy " not to remove ". But contradiction shows otherwise. In XXXX XXXX this item was removed from my XXXX report. Thus proves '' false reporting " to this day on my XXXX report!!
07/16/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Improper use of your report Credit inquiries on your report that you don't recognize	MO 65203	Web
Pre-approved live check came in the mail XX/XX/2022 from Tower Loan-System. A soft inquiry was done for pre-approved live check before sent to me. 2 hard inquiries were later done in XX/XX/2022 and XX/XX/2022 placing them 32 days apart. I was not notified nor did I agree to these inquiries nor did I apply for a new line of credit. The creditor is using hard inquiries to bully me into paying the debt. The inquiries have had adverse action on my credit. I lost my eligibility for a rental application ( housing ) due to this. I am head of household with XXXX infants under 12 months.
06/10/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	IL 620XX	Web
I have no legal or financial relationship with tower loan but have been receiving harassing phone calls from the XXXX XXXX over someone elses debt. They have the contact information for the person they are trying to reach and have no reason to believe contacting me will provide any gainful or actionable information. I have confirmed they have spoken to the person responsible for the debt, at this time I have asked them repeatedly to stop contacting me as again I have no financial or legal interest with them. the repeated contact I feel is in violation of 15 USC 1692c Section 805
06/13/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MO 65301	Web
Individual from Tower Loan local office, called my place of employment and disclosed information of my acct with my boss, not HR, they disclosed they take me to court and would garnish my paychecks and disclosed to my boss I would need to call them today by XXXX. My boss is not HR and nothing like that should of been talked about. That is very unprofessional and should have not been discussed. If they wanted to verify I was still employeed fine ask that but what was said was not ok. I've put up with quite a bit of home visits from them within the office and haven't complained.
01/14/2024	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Struggling to pay your loan	LA 70131	Web	Servicemember
I was never late or missed any payments until I fell into a financial situation where my hours at work was reduced and income changed to decrease I tried to contact the XXXX XXXX tower loan when I spoke to XXXX XXXX he stated that if I don't have the payment in by XX/XX/2024 at XXXX XXXX he will proceed legal action in court I tried to explain my situation but he constantly kept calling leaving harassment messages. I always tried to make my payment to avoid repro or taken to Court I asking could you please help me in this matter or I will find a lawyer who will. Phone # XXXX
06/15/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MS 39350	Web
During this pandemic I was not offer to attached the payments at the end of my loan like all the other companies were during to help during this pandemic. Our county is number three in the state with this outbreak. A lot of people are still unemployed. I owe for this month and last month which is {$750.00}. He said if I don't come up with the money it will be turned over to their legal agent. I can see if there was not a pandemic going but times are hard right. We were order to stay at home shelter for two months from XXXX XXXX XX/XX/2020, order by the mayor and governor.
01/11/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	NC 28547	Web	Servicemember
Twin sisters name, social security number, addresses, collections, phone numbers all show on each of my credit reports. During theses times of collections I was not living in the area. I am currently serving in the XXXX and proved my state of residents and identity to the credit bureau before and nothing was resolved. I am unable to receive my own credit reports due the false entries of someone else 's information on my record. I am not liable of these collections because they are not in my name or social security number. The collections just appear on my credit reports.
04/23/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MS 39206	Web
Tower Loan has stolen my identity and repeatedly pulls my credit without my permission Tower Loan has damaged my credit Tower Loan has damaged my family Tower Loan has racially profiled me as African American Tower Loan has violated my civil rights Tower Loan has stolen my identity Tower Loan has used my identity without my permission over and over again Tower Loan is breaking the law. Tower Loan must stop using my credit or I will go to the XXXX police department and press charges against management. I have already spoke with a detective at the XXXX Police Department.
03/04/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL XXXXX	Web
Since I have not been able to pay the Loan this company pulls my credit Monthly from XXXX different entities which is producing XXXX Hard hits every month. Tower Loans and TWR Loans Systems. are the entities that are reflecting on my file. This goes far back as XXXX 2015. Please have them to remove these inquiries and tell them to stop Hard hitting my credit. It as already showing up as a Charge off. So why are they continuing to hit my credit every month. I am going to pursue monetary compensation for this. I m trying to clean my credit up so I can pay this debt off.
07/17/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39180	Web
On XX/XX/20, I received van email from XXXX XXXX that I had a new hard inquiry on my XXXX credit report by Tower Loan, XXXX, MS . I did not give request or give permission. I phoned XXXX to have it removed and they said Tower Loan needed to contact them to have the hard inquiry removed. I phoned Tower Loan and was told they couldnt reach me by phone and thats what lead them up to doing the hard inquiry. They stated they did it to find out if was woukd be able to make my monthly payments. I suggested sending me a letter rather than trying to ruin/damage my credit.
06/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 386XX	Web	Older American, Servicemember
We recently applied for a home loan and were notified that a Judgment was on my credit report. I was unaware that a Judgment had been registered against me in XXXX XXXX , MS . I contacted the Judgment Court and was told that Tower Loan would have to notify them that the Judgment was satisfied. I filed a dispute with XXXX Credit and nothing changed. The amount due has always been XXXX on the Credit Report but it needs to sta te Amount Satisfied. I h ave been unsuccessful having this changed by Tower Loan and th e Judgment Court in XXXX XXXX , MS .
01/06/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AL 356XX	Web
I was out of work for a month due to XXXX. I went to the office where the loan was made and explained that I could n't make a payment for the foreseeable future but as soon as I could get on my feet that I would resume payments. Their solution was to loan me more money. That was the only option they offered. I could not get approved for another loan. They have called relentlessly ever since! Even though I have assured them that I had no money for the payment. The store manager even came to my house today depending payment! A day which the office is closed!
04/07/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AL 366XX	Web
On XX/XX/2020 the district manager " XXXX " contacted me and I was explaining that I was at work and why I haven't made a payment this month when for no reason got loud with me over the phone in wich I hung up. He repeatedly called my phone over and over from several numbers even found some type of way to make it seem like my employer with the # XXXX witch would never do because of a no phone policy at work. Then someone proceeded to run my credit from the company the same day without my approval. I have all the documents to take legal action if necessary!
05/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70706	Web
Tower loan aka Gulfco of Louisiana has garnished their amount for the loan out of my banking account. The amount of the loan as per my credit report is {$3700.00}. On XX/XX/XXXX my bank received a garnishment letter in which the debt collector took {$5000.00} from me after I had already paid in {$3000.00} right before the garnishment. So in total now I have paid in over {$8000.00} well over the amount of the loan {$3700.00}. This should be marked PAID OR REMOVED FROM MY CREDIT REPORT! I have tried over and over to work with this company and they will not!
09/03/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	LA 70058	Web
The problem is I financed furniture a year ago. I had 1 year no interest. I paid off my furniture on XX/XX/2019 so why do I still have a balance on my account. Yesterday someone called offering me money I told them my account is closed they said no XXXX the manager need to close it out. Called back today spoke to receptionist she says XXXX says haven't closed out my account and don't know when it will be closed out. This is unacceptable. I will never deal with this company again. Don't want my credit ruined behind a open account that should be closed.
08/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	LA 71112	Web
tower loan contacted the individuals whom i put down as references in the event i could not be reached and shared information other than whomever was calling and a telephone number. they told they my loan was delinquent and legal actions would be taking if i did not contact them soon. they also called me multiple times per day alomg with my references. this is very unprofessional and a breech in company confidentially i also have a voicemail where information more than contact information was left amd received calls from cellphones before as well.
07/19/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	LA 71291	Web
I contacted the Branch Manager in XXXX XXXX, LA ; XXXX XXXX and informed him of my current job status. Informed him that I am struggling to pay the full amount of the loan payments at this time. It would help to lower the payments. He informed that he will proceed with legal actions and wanted confiscate the collateral ; but I informed him that it has been pawned. He informed me it is against the law.. However I needed the funds to stay afloat. He made arrangements for a {$110.00} payment on XX/XX/XXXX. But says he still will pursue legal action.
01/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39601	Web
On XX/XX/2017 ... i checked my credit report and saw that i had XXXX hard inquiries on my credit report. I called the three companies over fours times with no results ... just holding on for 30 to 40 minutes and being passed from one department to the next one. I called XXXX and they did'nt follow policy correctly ... .i told them three times on the call that i wrote letters and no response and the XXXX agent told me to keep trying ... its nothing they could do for me ... ... i am so tire of the run around and games.I need help!
08/25/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 703XX	Web
I XXXX and am not able to work at the moment. My payment is XXXX per month. I owed them {$200.00} and tried to give them all I had which was {$140.00} and they refused the payment. They keep threatening me to take my property and file a lawsuit against me. I told them I have doctor notes and paperwork from orthopedic doctor and they said they do n't care that I signed a contract and they want their money. How can they refuse to take what I can give and then threaten me with lawsuits, wage garnishment, and repoing my property???
02/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 360XX	Web
Tower Loan keeps on reporting inaccurate information to the reporting agencies. This account has been closed since XXXX of 2020. I had a back injury and had back surgery. I had XXXX insurance with this company but they denied it saying they did not receive certain documents. This is one of the companies that sent this account over to an attorney office to collect in which they are. But they charged this account off in 2020 but still reporting it open on one bureau and charged off on the other which is a violation against FRCA.
04/06/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 706XX	Web
I have a loan with this company for years. Always pay early and more than is due. They called about 4 weeks ago offering me to renew and get over {$1000.00}. I didnt do it at that time. I called a couple of days ago to see about getting money, the next day they said they can only get me {$500.00}. No reason why. The manager XXXX wont get on the phone. They pulled my credit and will not give me an answer as to why they dont want to give me the money they originally promised. That goes against the FCRA. I deserve an explanation!
02/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39047	Web
Tower Loan at XXXX XXXX XXXX XXXX In XXXX, MS has now pulled hard inquiries on my credit without authorization. I have called and written after the first three and instead of stopping they made another hard inquiry. The dates are XX/XX/XXXX and XX/XX/XXXX of XXXX ; XX/XX/XXXX and XX/XX/XXXX Of XXXX. I do not hold any account with Tower Loan and have not for several years. They do NOT have my authorization to view my credit. Furthermore, they have been told specifically to not pull my credit both verbally and in writing.
03/29/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 65807	Web	Servicemember
We have XXXX different loans with Tower Loan - XXXX with the office in XXXX, MO, the other with the XXXX, MO office. We are in financial trouble and I sent both a letter last month that we have hired an attorney to explore our options. It states to contact the attorney and not us. XXXX was the first month that we did not make a payment. The XXXX office sent us a right to cure letter, the XXXX office is calling us multiple times per day and threatening to take the collateral from us. The manager XXXX yelled at my husband.
03/15/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MS XXXXX	Web
I informed company acct is my moms but I did help her to get her furniture for her house but she lost her job due to not being able to work anymore as a results of her health and I was struggling to make ends meet company constantly calls my phone 10-20 times a day for the payment but I cant afford all of her bills plus my own and they aren't willing to help with payment arrangements or anything its really frustrating and they keep threatening with the local sheriff dept to come out to my mom home and take her furniture
10/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 71118	Web
I had 2 open Accounts with Tower loan, due to uncontrolled circumstances I was unable to pay the balance owed on the accounts. however, I was sued and my wages were garnished. The account ended up getting paid in full. on XX/XX/2015 a cancelation letter was mailed out that my account had been satisfied and there was no need to take anymore of my wages. As of today, tower loan is still reporting on my credit report that I have a balance with them and I DONT. I was actually sent refunds for the above mentioned account.
05/08/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Credit inquiries on your report that you don't recognize	TX 79764	Web
On XX/XX/XXXX I got a personal loan for {$1600.00}. On XX/XX/XXXX another for {$1200.00}. On XX/XX/XXXX we refinanced and combined the 2 loans making it {$3000.00}. On XX/XX/XXXX the account was closed and I have not spoken with them since. Every other month including the most recent onXX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX there are hard inquiries being done without permission. I have not spoken with this company since XX/XX/XXXX, yet they still make hard inquiries every other month or so.
12/09/2022	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MS 39047	Web	Older American
The manager named XXXX has repeatedly shared my account information with a party not on this acct. I have asked XXXX times to stop this. I have reported this to his manager as well as another location manager. I was refused contact with corporate or owner to resolve. The info he shared included threatening repossession to the XXXX XXXX if they didnt pay my acct. I requested that this person XXXX be denied any access to my personal info as well as any further action on his part for my acct and this was refused.
06/12/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	MO 63043	Web
Contacted my employer after I told them I'm not allowed calls at work. When calling to make my payment, I asked the rep ( XXXX ) to not call my employer or anyone else regarding my balance owed or payment. He kept acting like he would process my request and then say we will call those numbers as a last resort. I told him 4 times he did not have my permission to call my employer or friends/family about my debt and he refused to give my confirmation he or anyone else at their company would respect my request.
08/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 708XX	Web
Tower Loan was paid in full. They never closed the s count acted I paid it. Last month I disputed the incorrect account information with them about the inaccurate detailing of this account. They have entirely two different balances on my XXXX and XXXX reports. They then pulled me credit last month twice without my consent and then flagged my credit report as 30 days late after I disputed. These people are crooks. The credit bureaus keeps verifying the account and havent seen proof of how they verified.
08/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 71203	Web
The fo llowing information is outdated. I would like it removed from my credit history report Immediate delete this inaccurate account from my credit report a collection account is late by default therefore it can not report a late payment. Immediate delete this inaccurate account from my credit report XXXX is reporting the date of last activity as XX/XX/XXXX XXXX is reporting XX/XX/XXXX. It is a violation to re-age a collection account. Immediate delete this i naccurate account from my credit report
02/06/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Credit monitoring or identity theft protection services Problem with product or service terms changing	AL 360XX	Web
On XX/XX/XXXX I received a credit monitoring alert on my credit file that Tower Loan MS pulled my credit. This was a hard inquiry on my credit profile and without my permission. This is the 2nd time,1st time was on XX/XX/XXXX. I am late paying my payment but Ive been unemployed and just now started back working. I will definitely be catching it up or paying off in the next couple weeks. I would like to file a complaint for this company for pulling my credit profile without my permission on XX/XX/XXXX.
03/16/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 64015	Web
At the moment I do not have the ability to pay Tower Loan. They have been calling work and I asked XXXX the branch manager on XX/XX/2017 to stop. He said no. The very same day the called again and continue calling my work. I had no problem them calling my personal phone. One of the employees came by the house and gave my financial papers to my wife ( which she had no knowledge of the loan but now she does now )... sharing loan information other than the account holder is a violation of the law.
08/09/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	IL 615XX	Web
I have been contacted repeatedly by Tower Loan of XXXX XXXX Illinois from various phone numbers attempting to collect a debt for a different XXXX XXXX. I have told them repeatedly that they have the wrong person and need to stop contacting me. The latest attempts to contact me were impersonating an insurance claims adjuster wanting to talk to me about a claim. The insurance claim impersonator was calling from XXXX which seems to be a Texas phone number and the caller said their name was XXXX.
11/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 711XX	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is incorrect and inaccurate reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to TOWER LOAN, but they failed to give me any results or feedbacks about this concern. Please investigate and delete it from my personal credit file. Thank you.
10/13/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	LA 71107	Web
I took a loan out to help my grandmother. She passed away and Ive had trouble making payments since Ive been taking care of her stuff and legal fees. Tower loan does not care and has called me 16 times within a 10 minute period and then 3 more times from the managers personal phone number. They have called people that have denied giving them information and to stop calling and continue to call 4-5 times a day. The manager has also texted me threatening me if I dont answer his phone calls
06/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 387XX	Web
I have made several attempts to contact each and every company after someone applied for credit using my social security number with the following companies. I noticed unauthorized inquiries on my credit report. Tower Loan XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX And a auto loan was applied for through several different lenders on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 352XX	Web
Well at this moment I fell so violated and treatment is horrfic. In accordance with the fair credit Reporting act XXXX XXXX XXXX has violated my rights. 15USC1681 section 602 States I have the right to privacy 15USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC16668 A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
11/02/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MO 653XX	Web
I have used this company for years. I recently fell on hard times and have not been able to pay my loan. I paid one loan of Iver XXXX for furniture. When I went to make al payment I was told due to default, I now owe interest for 2 years which was over 2400. No forgiveness due to covid-19 or job loss due to being on medical leave. They also harass my friends and recently found a sister if mine and now harass her. Today I got a letter for right to cure. I plan to file bankruptcy.
07/07/2022	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	IL 60098	Web
The loan company has called me 2 times or more per day every week. They have also called my workplace as well as family members that I did not provide them with information on. I have asked them to stop calling my work phone and family members that they had no knowledge of. The problem has continued with harrassment including them stopping at my home to talk to me. I have gotten yelled at on the phone by the personell there when I am just trying to correct the late payment.
08/30/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 71105	Web
I am currently receiving multiple calls per week at my job from Tower Loan. They have continuously called my school, as I am an XXXX, even though my account is current and NOT past due. I have contacted them multiple times and told them to not contact my workplace, especially if my account is current, but they have continued to call. This is due to a lack of organization on the part of the business. They have also mistakenly contacted me regarding other customers accounts.
07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77433	Web
After filing an initial complaint regarding an unauthorized inquiry on my credit report, Tower Loans refused to remove the inquiry. They replied through the CFPB portal that an FTC affidavit needed to be filed and emailed to the email provided in their pdf reply. On XX/XX/2023 and email was sent to XXXX XXXX, Director of Compliance for Tower Loans with the FTC affidavit and a notarized affidavit attached. As of today, he has not responded nor has the inquiry been removed.
11/14/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	LA 70364	Web
Tower Loan the agent here in XXXX Louisiana, called my girlfriend and told her I was 2 months behind and if I didn't pay by tomorrow they are coming confiscate some of my personal belongings and ask her if she knew about my loan and she said no and the agent told her well that's not not being honest with you, your man is lying to you, so now I'm arguing with her and about to lose my son 's mom over that lady telling my personal life to her its wrong and against the law
07/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39206	Web
On XXXX/XXXX/1019 Tower Loan did a hard inquire on my credit report without my permission, I call the district supervisor and told him that there employee had called repeatedly everyday about three times and come to my home pounding on my door with unknown intentions after a very rude verbal altercation over the phone. The supervisor told me that they did the hard inquiry on my credit report that drove down my credit score. And if i have a complaint to file it online.
09/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 751XX	Web
I recently reviewed my credit report and noticed a lot of inquires that werent done by me. Its a defamation of character under law 15 USC1681. I asked for the credit bureau to verify this information they stated they couldnt and I had to reach out to the companies. I reached out to the co XXXX they stated the same that they couldnt and for me to reach out to the credit bureau to get them removed. Still nothing has been done and this has went on for over a month.
09/28/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MS 392XX	Web
On XXXX XXXX I contacted Tower Loan located in XXXX, Ms., the telephone number is XXXX and I spoke with a representative by the name of XXXX who stated I only needed to pay {$190.00}. She then proceeded to take out {$300.00} and {$190.00}. I placed a call to branch manager XXXX who stated he notified Supervisor but wasn't sure how they handled this. This is serious and they need to refund the {$300.00} immediately. The company response shouldn't be I'm not sure.
04/23/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MS 394XX	Web
XX/XX/2021. The amount was XXXX. Then i was call back in a couple of weeks to do another loan.I told the person doing my loan i was getting ready for XXXX 1 at the end of XXXX. He told me to get a letter from the Doctor and turn it in. That the XXXX XXXX was pay for the loan until I go back to work. Tower Loan in XXXX Ms. say they said don't want pay because it was a existence problem. But i told them about the XXXX before ni signed the contract. Please Help Me.
09/14/2022	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	MO XXXXX	Web
Tower Loan of XXXX XXXX XXXX XXXX XXXX Store XXXX XXXX has repeatedly harassed me - calling several times a day to my phone, my employer, and relatives, even after I told her I can not pay the debt. I first gave her formal notice on XX/XX/XXXX via email, and after continued harassment ( *again calling me several times a day, my employer, and relatives ) I again told her on the phone I would not /ca n't pay and any further calls would be considered harassment.
07/19/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	TX 77065	Web
I did not apply for a loan. I had never heard of them or had and contact with them in any way. Tower loan supposedly sent a live check in the mail for over {$4000.00} in my name. Someone cashed it at XXXX XXXX XXXX. They want me to sign a fraud affidavit with them and have aggressively called me 100s of times but considering what has already happened I do not trust them. I feel what they have do is highly illegal and it now shows up on my credit report.
03/13/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MO 655XX	Web
Tower loan keeps calling every day 7 or more times a day. They are calling my husband 7 or more times a day. They have even called my mother and my sister many times. I keep makeing my payment. It may be late but i do always pay. Even if im 1 day late they start calling over and over. I have spoken with them and told them this is harassment but they keep calling. Im to the point im going to go get a lawyer. Numbers they have called from XXXX XXXX XXXX
03/13/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MO 655XX	Web
Tower loan keeps calling every day 7 or more times a day. They are calling my husband 7 or more times a day. They have even called my mother and my sister many times. I keep makeing my payment. It may be late but i do always pay. Even if im 1 day late they start calling over and over. I have spoken with them and told them this is harassment but they keep calling. Im to the point im going to go get a lawyer. Numbers they have called from XXXX XXXX XXXX
02/22/2017	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	MO 638XX	Web
I am no long able to pay this debt. I informed the company of this in XXXX 2016 also informed them to take whatever action they needed to take. They have not taken any legal action to resolve this debt instead I am receiving daily phone calls. I have asked then repeatedly to stop calling me. My attorney sent them a letter asking them to stop contacting me and to only contact his office with any further contact. I am still receiving daily phone calls.
10/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 393XX	Web
I have tried to dispute this alleged debt with this company. Tower Loan refused to accept mail from me. I sent mail to the same address that they sent me mail from. Tower Loan continues to harass me about an alleged debt. Tower Loan continues to contact other people about this alleged debt. I am being harassed and I cant sleep at night. I am being emotionally abused. I have asked for documentary evidence of the alleged debt. None has been provided.
11/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	LA 71106	Web
On XX/XX/2020 I sent this dispute to XXXX to get this erroneous information disputed and taken off my credit profile for numerous of reasons, they are reporting incorrect and inaccurate information. This company hasn't showed any kind of deficient validation to this fraudulent account. Someone stole all my personal belongings. Also this company has took 40 something odd days to respond and I haven't had any type of correspondence from them at all.
09/15/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 39056	Web
I was approved for a loan that took the place of an existing loan and so it was cancelled out with a new balance to pay monthly. The interest however has increased and when it was time to see if I can lower the payments they said that I could not because I have n't met the criteria on my loan as in terms of when I will be eligible to get a reduced monthly balance to pay per month. They are also harassing me by calling me from work and or at home.
02/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 394XX	Web
I have never, will never and do not have any business with Tower Loan. They have continually inquired on my credit report. They have no right to my social security number and no right to my credit report. They have never had my permission to access any of my personal information nor my report. I want each and every inquiry from Town Loan removed from my credit report and I want them forever banned from even thinking about reporting to my credit.
10/26/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	GA 31904	Web
Tower loan added on a roadside assistance plan to my account. I asked them to remove this at the time of the loan but they didnt. I now have trouble making my payment due to covid but they refuse to refinance or remove the roadside assistance. They also have called my family the doesnt live in the house and told them I need to call and make payment immediately. I thought it was illegal to discuss my debt with anyone besides me.
03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63136	Web
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose.
12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 387XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602States I have the right to privacy. 15 USC 1681 Section 604 A Section @ : It also States a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
11/14/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	TX 76227	Web
Last Monday. Literally scared me, had a knock on the door from a loan officer. My son is XXXX XXXX XXXX and XXXX Scared him as well Constantly harassing and calling my mom and my apartment manager told them that I can not pay at this moment but keep getting texts l. I just received them almost every other day and today alone received seven texts. And a phone call and voice message. I'm a single mom of XXXX children.
03/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70607	Web
I have been making payments to Tower Loan XXXX for an account with them that was in closed status. In an attempt to correct and pay I debt off in order to purchase a home, I made arrangements to pay the company. The company has since only reported one payment and I have paid off the balance of the account. I would like the incorrect information to be removed promptly as it is hurting the process of purchasing a home.
02/17/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MS 395XX	Web
I received 6 calls on Monday XX/XX/2023 and on Tuesday XX/XX/2023 I received 7 calls from Tower loans in XXXX XXXX XXXX I told XXXX the branch manager i would be in there on XX/XX/2023 to make a payment. She then threaten me with legal action if I didn't have a payment in by XX/XX/2023. She also left messages with this same threat. She was also calling my place of employment which i travel and never at that location.
02/24/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	MO 640XX	Web
Tower Loans, XXXX Missouri after being asked in writing to stop harassing calls, continues to call me multiple times per day. They call my work cell phone despite being asked to stop. They continue to call over and over, and leave messages that say " I know you have made your payment, but we need to talk to you ... '' or " this is XXXX, please call me back ''. They call from ( XXXX ) XXXX and ( XXXX ) XXXX mostly.
01/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77072	Web
Tower loan company trying to collect a loan that I have no idea about. I informed them and they sent a form for me to fill out which they can do an investigation to see who actually cash out the check. I didn't receive any information from Them again only to know they ve sent to to credit report and now it showing on my credit. I have no idea what loan they are talking about. I never received any check from them.
02/10/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	LA 700XX	Web
They are harassing me constantly. They call me every single day, multiple times a day. I have a lot of stress in my life and I know that I owed a loan to them but they do not get to harass me or people I put down as a reference, it is against the law. They continued to call and harass me even after I had spoken with them. Someone needs to do something about this company harassing people. Because it is not okay.
06/16/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MS 38632	Web
I received a wage garnishment notice, I have never had a loan with Tower loans and I do not nothing anything about this. on XX/XX/2023 I received notification of a wage garnishment. I have never been contacted by Tower loans in any way including mail, email, or a phone call from them. The amount that they are claiming that I owe is {$3400.00}. I was never served any documentation to go be summons to court.
06/02/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 708XX	Web
The last response did not fix my problem if you would have read the message or looked at the pictures that I attached you would have seen that in your portal where I make my payments it is showing no active account I need that fixed because that is how I make my payments. That needs to be fixed to avoid you taking me to court because I cant make any payments or verify that they were applied to my accounts.
12/06/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	AL 351XX	Web
On four different occasions I have asked Employees of Tower Loans not to contact me at work. I am a XXXX XXXX so obviously I can't receive personal or business calls at my place of employment due to the nature of my business. However, they continue to call my workplace even after being asked not to. They have also continued to call and harass my friends, coworkers and associates after being asked not to.
04/13/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	MS 386XX	Web	Servicemember
This company is taking 23 % of my paycheck. It is a high-interest loan company. I only make about {$1100.00} every two weeks and now I am only bringing him about eight hundred and can not pay my rent and take care of my family. This started on XX/XX/2018. They would not listen to me when I told them my wife has lost her job and put the past due amount on the back burner instead they added more interest.
02/15/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	LA 70802	Web
I have done the best I can to pay this company every extra money I have and for me to find out more money is added to my balance is a problem for me on my credit report I have my real balance and when I asked whats my balance as of today it was 616 more then whats been reported this company needs to be investigated they are taking people money they always taking people to court and getting away with it
01/30/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 65775	Web	Servicemember
XXXX we got loan from tower loan wife got injured on the job on workmans comp hard to pay loan 6 months late they have threatened legal action 6 to 7 times my multiple people in company we paid account regularly until injury we have explained as soon as we have we will pay the loan off but they are persistent calling two to three times a week each time telling me we will just turn over to our attorney
07/31/2022	Yes	Payday loan, title loan, or personal loan Title loan	Incorrect information on your report Old information reappears or never goes away	LA 70458	Web	Servicemember
On or about XX/XX/2022 my account was breeched and my HIPPA privacy was affected. My personal information was given to gentleman ( my ex ) in regards to how much money was given to me and the fact that I was behind due to XXXX XXXX. This not only caused emotional distress but the local police had to be called to defuse the situation. It has caused unnecessary stress to the point I had to see my XXXX.
07/21/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MS 39452	Web
Tower Loan calls my phone and sends out multiple pieces of mail reminding me that I am late on a payment. The call multiple times a day, almost every day of the week. This ia harassment, im not even 2 weeks overdue and im scheduling a payment today. I have no plans to default or fail to repay. They are however harassing me and calling over and over is unacceptable and I believe it is against the law.
08/30/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	TX 78728	Web
My wife and I took out a loan with Tower Loan and have been having issues with the repayment process. Throughout this time, the manager at the local Tower Loan office has been leaving multiple voicemails on my wife 's phone that are not in keeping with privacy laws. The voicemails provide personally identifiable financial information about my wife. I have requested that this stop, but it has not.
02/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39208	Web
Tower Loan has pull my credit report without my permission, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and many time before those dates. I dispute it back in XX/XX/XXXX but was unsuccessful. Now it look like they are going to start pulling my credit report on a monthly basic like they did many time before. The last time I apply for credit was on XX/XX/XXXX and it was with XXXX/XXXX.
03/25/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MS 39503	Web
I had my pay check garnished for the amount sent by the company and the courts. Now I am getting harassed pay more money after my garnishment was complete. And I have proof that it was complete. So I am emailing you per my advise of a Lawyer to file this complain, because now this company is pulling my credit report and I didn't give them permission to do so. Now I am looking to sue them.
09/23/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 39466	Web
I was asked to drop off a post dated check for my loan payment which I was n't going to have until Friday the XXXX and I was told they were n't going to cash it until they have contacted me on XX/XX/XXXX to see if the money was in my bank account before they cashed my check so I checked my bank account on XX/XX/XXXX and they have already cashed my check and withdrew my bank account!
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39301	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit plan as late for purpose.
10/08/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	KS 67213	Web
I was used as a reference for someone, and when the company could not reach the original person, they started calling me. This a collection of which I have no knowledge. I passed the message along and expected the calls to stop. Even after explaining that I had passed the message along, and wanted them to remove my number from their call list. They still call, over and over!
09/14/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	AL 351XX	Web
I complained about Tower Loan XXXX and now it is XXXX and other worker. calling my husband three or more times a day harassing him at work My husband has had a XXXX and we have had XXXX XXXXXXXXXXXX XXXX we filed hardship with freedom debt these people will not listen get very demanding and threaten I called XXXX Police department on these people for harassing and threats
08/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	OK 73064	Web
I owe a debt to Tower loans. It is a signature loan. They are threatening to garnish my SSI XXXX checks. I am under the impression that they can not do this. I am a single mother with health issues and this is my only form of income. I have expressed to them that I can not pay and that I have to file bankruptcy. They call me Constantly and have shown up at my house XXXX.
11/09/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	LA 70501	Web
Agent with company has come to home several times to collect money, she also sent a text saying a letter will be sent to my address today with the items they will be picking up. She stated either the company will pick up items or the Sheriff. I explained that I would give her some money but it wouldn't be the full amount because my mother had XXXX and I had to help her.
01/02/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MS 39209	Web
I had a loan two notes behind. I have been sick for the last 2 months. I went and talked to a manager and was given forms to take to the doctor and my job. The company calls my cell number at least 20 times per day. On X/X/2018 a manager name XXXX came to my home after I had been at the office picking up XXXX papapers that Friday prior. They are constantly harassing me.
07/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	MO 630XX	Web
Tower loan company came to my home and a friend was aty house and answered my door and told them I was not home. They told him that my account was past due and I must pay immediately. They should n't have talked to anyone about my loan. They call my friends and family every day and call me at least XXXX times a day. This is very unprofessional and borderline harassment.
04/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 397XX	Web
My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
04/11/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	IL 616XX	Web
In XX/XX/2023, XXXX XXXX of Tower Loan discriminated against myself by deciding he was more qualified than my psychiatrist when he dismissed the status of my mental and emotional health as mere trigger words, intending to paint the company in a negative light, as if harassing someone at their place of work and coming to their house at XXXX made them look like heroes.
02/01/2022	Yes	Money transfer, virtual currency, or money service Check cashing service	Fraud or scam	LA XXXXX	Web	Older American
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, La XXXX They have been calling My Husband and My Phone since last XXXX. They are claiming that I have cashed a check from them for {$2500.00}. I have never done business with them. Never cashed their checks. Please help stop the harassing calls. Please do not give them any of my contact information. XXXX XXXX XXXX XXXX
04/15/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	MS 39157	Web
ive gotten behind on my tower loan payments due to work, working in the car business and sales are down. my pay has drastically changed due to car business. store manager XXXX, is calling me everyday twice a day and even twice a day on my job. i went by the store and tried to pay XXXX dollars and she wouldn't accept my payment. also threaten to take me to court.
12/16/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 64801	Web
I have asked them several times to not call me at work and they continue to do so. I tell them i will be in on a certain day or at a certain time and they still continue to call and harrass me. They are very hateful and hard do buisness with and they do not care about there customers at all. All they care about is the money and thry are always very threatening.
08/02/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 70592	Web
Tower Loan in XXXX Louisiana has been calling family members on numbers i did not authorize over the last couple months. On XXXX around XXXXXXXX XXXX, An employee of their company showed up to my house and was showing my paper work of what i owed to my sons mother without even knowing who she was. They were requesting money or payment on my account from her.
08/02/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 389XX	Web
The persons in the office does n't communicate when calling customers to ask them when they will be in to pay. The keep calling several times a day everywhere and anytime during the day. They also do n't give you chance to respond back to them and after responding there is another person who still calls the same way. Lack of communication inside the office.
07/21/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	LA 70806	Web
During XXXX the covid 19 could not make a payment because everything was shout down they charged me late payment and i would like it to be remove and up date my account the dont send me no bill of my account what was paid it supoose to be paid out in full i made my last payment in XX/XX/XXXX of XXXX they did not put nonting on my account of being paid out
09/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 354XX	Web
Tower Loans has been reporting an alleged account on my credit file from the 3 credit bureaus as a charge off with a balance of {$2200.00} and the payment status on the account is showing as current. This is negatively affecting my credit. They have not provided me with an original contract with my signature nor the account reporting for this tradeline.
07/15/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MS 39440	Web
In XX/XX/XXXX I asked Tower Loan in XXXX, MS to no longer call a reference that was listed. They have now called this reference multiple times ( XX/XX/XXXX ). They also sent a text message to a reference that never gave permission for text messages. This message includes the representatives ne amd company phone number. The text happened on XX/XX/XXXX.
08/07/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MS 390XX	Web
Tower Loan of XXXX XXXX, Ms Calls my Job 6 times Everyday and Call my Phone 20 times a day and Calling other people that I put as a Reference after I told them I will get my loan Payments caught up. And also calling from one other number!! When amswer just be so Rude and Talking to me like I am a child!! I will not get with this loan company again!!
10/04/2021	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	MO 65807	Web
This company contacts me up to 5 times a day 5 days a week. They contact my work number even though I have told them I can not receive calls. They contact my husband and my elderly father in law on their personal cell phones. When they contacted my elderly father in law they lied to him and said they were from the hospital. They are harassing me!
01/30/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	IL 618XX	Web
I found a debt for Tower Loan on my credit report in the amount of {$1300.00}. I have no knowledge of this debt. I sent a Debt Validation Request to the company on XX/XX/XXXXvia return receipt mail. The company failed to respond, however they called my employer in XXXX and said they needed information about me to submit a garnishment of my wages.
05/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 703XX	Web
After viewing my credit profile i realized Tower Loan System placed a inquiry on XXXX XXXX that I had no knowlege of. I contacted them on several occasions asking for copies of the signed documents and identification used on my behalf . Tower Loan never responded which clearly violated " FCRA ' ' 609 ( e ) ( 15 U.S.C. sec1681g ( e ).
06/08/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	LA 711XX	Web	Servicemember
Tower Loan i s reporting on my credit report as a charge off with incorrect dates. Almost 2 months ago I sent them a certified letter requesting validation of this account . Tower Loan did not provide a signature or anything, nor did they mark my credit report disputed. I then sent them a second lett er and they have yet to respond to me.
07/04/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AR 717XX	Web
On XX/XX/2022 I obtained an installment loan with XXXX XXXX of XXXX and my loan was sold to another company named Tower loans and my balance doubled. I did not review any notification that XXXX XXXX was closing down and that my loan was being transferred to another company. I need help removing these excessive and unauthorized charges.
04/18/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 394XX	Web
Tower Loan office in XXXX and XXXX Mississippi have completed illegal hard inquiries that has greatly affected my credit score. They did not have permission to complete the hard inquiries on my account, nor have I been into their office to apply for a loan since 2013. These illegal practices are an attempt to sabotage my credit history.
06/17/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 36575	Web	Servicemember
Company called me with threats after I was XXXX weeks late. I had already informed them that I would have to make a XXXX payment the next month and they agreed then called me and threatened with legal action. Kept calling my phone and speaking to me in a stearn threatful way. Has called XXXX times after I informed them not to call me.
03/07/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MS 394XX	Web
I'm getting continuous calls at least 5 times a day or more from Tower loan, they are harrasing me and my grandmother with the constant calls. They call from strange numbers everyday trying to reach me and one of the worker 's also came to my home and left a note on my door i am being harrased for a loan im struggling to pay back.
10/26/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MS 396XX	Web
After taking out an installment loan through Tower Loan company I started a new job and have been struggling with payments waiting on my first paycheck. The creditor has began harassing myself as well as family members. The creditor has also discussed personal account information with references on the loan without my permission.
11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71203	Web
This company I had been with for years has went into my account and checked my information and denied me for credit. They call me all the time once I got them caught up from loosing a job in XXXXI don't want this company checking anything on me, my account is supposed to be froze and they still got into after the fact I said no.
03/14/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 70726	Web
My payments to this company is due on the XXXX. I get paid twice a month a pay with my last check, its just how my bills are set up. This particular company calls, harass monthly. Ive been talked to ugly. I said I dont like the fact I used the company for this reason and the employee answered well we dont like you either.
03/30/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	WA 99354	Web	Servicemember
im trying to get a vehcle with my info ssn, i, d but they denied my order i dont know why i really need it for my wedding ceremony its a loan of {$2400.00} pls help me get it done i trust you and really believe in you im really sure you will help me out i will give you info you need to get it done just get it done please
10/30/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35810	Web
Tower loan of XXXX Alabama has made 6 hard pulls to my credit report without my consent. It is continually knocking my credit score down and will take me years to billed it up. To me that is a form of identity theft, and something should be done to the company for falsifying documents. Please help me with this issue.
08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77459	Web
Tower Loan accessed my credit file on XX/XX/2021. I do not recognize this credit file inquiry and did not authorize this access to my credit file. My credit file has an active fraud alert and is currently frozen. I have also unsubscribed and blocked access to my credit report for any pre-approved promotional offers.
12/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70501	Web
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Sectuon 2 States a consumer reporting agency can furnish a account without my written instruction. 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer plan as late for purpose.
08/18/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MO 630XX	Web	Servicemember
Tower Loans keeps calling me. All phone calls are recorded on the government phone calls. Harassing phone calls at work everyday, on a federal government line. I can be contacted on my cell number at XXXX. Call received on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. Threating with wage garnishments.
09/15/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	AL 355XX	Web
I received a loan in the mail by a check ( {$1200.00} ) pre approved check. I deposited it into my bank, checking, on XXXX XXXX, XXXX On XX/XX/2022 the check was returned Bc it wasnt paid. On the XX/XX/2022 I went into the local Tower Loans and they couldnt give me a reason or the number to the main office.
05/11/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	MS 39206	Web
Tower loan has called my job after I have told them that I will be punished if calls continued. I have asked district manager to have workers not called and he stated he will make sure the calls would stop. Soon after the calls continued and workers stated they will call as long as my account is not paid.
10/31/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MS 388XX	Web
I had already had a loan with company and only owed them XXXX on the loan, and needed more money. so I called in for XXXX and told them I wanted on separate account, but they did not. They refinance the same account and now I owe them XXXX, which is not right, because I did n't borrow nearly that much.
03/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60628	Web
On XX/XX/2022, I sent TOWER LOAN a certified mail letter, informing the company that they are unlawfully reporting an unauthorized inquiry on my consumer report without my permission in which I have yet to receive a response. TOWER LOAN is in violation of my rights as a Federally Protected Consumer
01/25/2021	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	MS 394XX	Web
Hey, I realize that things happen n a person life but it was uncalled for when I was told I should have not gotten the loan if I could not pay for it, n I humble said that none of us new that we would be going through such of things. I felt disrespected and disappointed as if I was being classified.
03/30/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77380	Web	Servicemember
I opened it in XX/XX/2015. They had me paying unemployment insurance, but they didn't tell me that it was only good for 6 months. I was out of work for a year and they quit paying my bill after 6 months. I tried to reach out to the company to come up with a settlement agreement but can't catch them.
03/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39211	Web	Servicemember
XXXX XX/XX/2021, I received an inquiry on my credit report from Tower Loan. I called the company to have it removed, only to be forwarded to a prerecorded hang up line. I also contacted XX/XX/XXXX. They sent me here. Please remove this from my credit report. The pandemic has made life hard enough.
11/27/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AL 35630	Web
I enter a debt solution program tower loans of XXXX al is on there list in the program we are doing what was instructed and have give them the number to contact they have constantly calling and even come to our home and served papers the was not served to me was just hand to someone at our home
10/06/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AL 36830	Web	Servicemember
Got a loan from tower loan. Been struggling to pay. They wont work with us, but are harassing us, our family, friends, coworkers. Threatening, hostility, aggressive, dishonestly, screaming at me, accusing me of actual physical things that I did not do, stalking me, definitely, please call me.
12/05/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MS 391XX	Web
When Im not able to make payments, even after I inform the company about it, I get harassing phone calls from many different numbers. They also come by my house. They call my job multiple times a day and they threaten to garnish my checks. When I tell them about my situation it is no help.
04/24/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MO 630XX	Web
Employee was told not to contact me at work and they did it 2 times after I told them not to. I spoke to their XXXX Manager about it and he basically kept over talking me and telling me I need to pay my debt. He was not too concerned about them calling me at work after I told them not to.
08/08/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 704XX	Web
The Company ( Towner Loan ) we have a loan with the payment was due on XX/XX/XXXX. We intend to pay it on XXXX XXXX. We are 15 days late. They threatened to come to our house and take our belongings until they get their money. A little FDCAP Violation for someone only 15 days late!
12/10/2020	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MS 396XX	Web
On XX/XX/20 Tower loan contacted me about a debt. I told them I knew nothing about a debt with tower loan. Than he threaten to report it to a credit agency. The next day I get an a alert in my email that some has inquired on my credit. Tower Loan inquired on my credit with my consent.
09/01/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AL 351XX	Web
XXXX at Tower loan keeps calling and harassing my husband everyday at work about this loan We have had XXXX XXXX times so we went in freedom debt to pay them but they refuse too. They need to quit harassing my husband at work the company is Tower Loan XXXX XXXX XXXX XXXX IS XXXX
12/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MS 397XX	Web
This company calls me at work XXXX or XXXX times daily. My coworkers know what company I owe now because their number shows up so much on the phone. When they call they are very threatening and aggresive. They already have taken me to court and have a judgment to garnish my wages.
09/17/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	LA 703XX	Web
I informed the creditor to contact my bankruptcy atty. and they have repeatedly contacted me afterwards and threatened they will still try contact me to collect on the debt. The creditor is : Tower Loan, XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX
11/01/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 91352	Web
I saw this negative account on my credit report from TOWER LOAN for {$2800.00}. I sent Tower Loan a debt validation request letter on XX/XX/18, which they received on XX/XX/18. They have chosen Not to respond & ignore the request. It has been over 30 days & still no response.
03/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 657XX	Web
On XX/XX/2021 Tower loans did a hard inquiry on my credit. After looking I found this company is doing a hard inquiry quarterly on my account. I did not authorize these inquiry. I called the number on inquiry and it goes to a doctors office. I want this fraud stopped.
10/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 39503	Web
inquiries on my credit reports are inaccurate alo i have no knowledge of these inquiries placed on my credit reports thiet not mines and i writing you to help get this resolved these inquiries were done without my permission or my consent that i have no knowledge of.
07/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 366XX	Web	Servicemember
There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.
11/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 36301	Web
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
07/30/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	LA 710XX	Web
GULFCO OF LOUISIANA D/B/A TOWER LOAN OF XXXX LOUISIANA HAS BEEN HARRASING ME EVER SINCE 2017 About A LOAN THAT WAS PAID AND NOW THEY SAY THAT I OWE OVER {$14000.00} AND THEY ARE ATTEMPTING TO SEIZE MY FATHERS PROPERTY ILLEGALLY, PLEASE I NEED SOMEONE TO HELP ME.
02/11/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76549	Web
Tower loan has made two hard inquiries on my credit without my consent. Once XXXX XXXX and again on XX/XX/2021. I tried to resolve with them but because my loan is late the refused to resolve the unauthorized hard inquiries on my credit. This is unacceptable.
03/19/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	AL 365XX	Web
I took out a personal loan in my name alone. Tower Loan called to verify the information while I was at work. Instead of simply leaving a message for me the representative divulged the amount and terms of the loan to my husband who I did n't give consent to.
06/19/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 395XX	Web
I am not even 30 days late on my payment and Tower Loan called and left me a message was at work so I could n't get the call so Tower Loan XXXX XXXX Ms called my reference and told them that they were calling from Tower Loan and for me to return their call.
02/07/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	FL 32828	Web
I am not the debtor my son is. But Ive received multiple calls asking me to give him a message. Ive requested that they take me off the list of reference and not call me again but received a call today XX/XX/19. My son said they havent even contacted him.
11/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77072	Web
I Received a letter in my mail saying that I cashed a check that was sent to me so Its a loan and I need to pay starting XX/XX/2021. I have not seen any check in my mail, I ve not cashed out anything and I ve not heard of the company TOWER LOANS before.
05/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 360XX	Web
I already had a loan with this company I had a XXXX XXXX on XX/XX/XXXX and this company pulled my credit on XX/XX/XXXX. I had XXXX on XX/XX/XXXX so who gave them permission to pull my credit. This is an unauthorize inquiry that I did not authorize.
06/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MS 39503	Web
There are accounts on my credit report that are past the statue of limitations and are over the time limit to be removed with all bureaus and it needs to be corrected.most accounts were in chapter XXXX and are open accounts that should be closed.
06/17/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	AL 350XX	Web
I am not a current customer and have asked Tower Loan on several occasions to remove me from their mailing list but I am still getting offers. Please remove me from your mailing list like you say you have every time I've called with this request.
09/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70117	Web
An account was opened in XXXX but ibhavw inquiries from this company every year I didn't apply for they also sent you a statement sayin the same I didn't appky for crwsit in XXXX or XXXX or XXXX Why do I have inquiries from your company please
01/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IA 52806	Web
The tower loan is showing outstanding when it has been paid in full. I have asked them numerous times to correct it as it impacts my debt to income ratio when home or car shopping etc. They simply have not and will not practice information.
01/26/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 77084	Web
Someone applied and received a loan using all of my personal information. The amount of the loan was {$4000.00} It was from Tower Loan XXXX XXXX, XXXX Check date : XX/XX/2022 Check number : XXXX Loan number : XXXX Branch Number : XXXX
02/07/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 71107	Web	Servicemember
Was not able to make a payment due to being out of town. Company calls my employer multiple times a day. Somehow the company acquired my boss 's personal cell phone number and contacted him to intimidate me into paying off my loan.
07/02/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 704XX	Web
They call my mother every day for the past 2 weeks and They told her that I'm behind with my payments and that if I don't pay by Friday that they are going to garnish my wages and I will have to pay an extra {$100.00} for the suit
10/29/2021	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	MO 650XX	Web
Tower Loan company sent a cashable check and a family member cashed it without my knowledge. This company harassed myself and family members using a threatening manner. They also ran my credit multiple times without my consent.
05/09/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 36830	Web	Older American
I have started getting calls back to back from tower loans with no voicemails left. Are calling daily around XXXX XXXX. I have town them to only communicate with me by mail. This is follow up of the closed complaint case XXXX
05/10/2017	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	MO 634XX	Web
XXXX / XXXX / 17 XXXX XXXX I received a phone call at work after explicitly telling them to not call me at my place of employment. It was not given as an option but as a specific instruction to not call me at work ever.
06/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MO 640XX	Web
Our payment is due on XXXX, they begin calling as soon as XXXX days after that. Our payment has never hit XXXX days, yet the call constantly to my phone, my wifes, my sister. We have requested in writing no phone calls.
04/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 388XX	Web
Tower loan has run my credit several times and i have not tried to take out a loan or given them permission in any way to run my credit. I reached out to them and they have denied running my credit.
03/12/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	LA 70460	Web
Tower Loan of XXXX, Louisiana, calls me at least 3 - 4 times a week to try to force me to : 1 ). Make double payments, or 2 ). Refinance my loan I can only pay {$240.00} by the XXXX of each month.
04/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 711XX	Web
Mutiple credit inquiries were created without my consent or knowledge. I called all companies XXXX in regards to the inquiry and asked that it be removed due to it not being authorized by myself.
04/23/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	LA 703XX	Web
Tower Loans has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
05/04/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	LA 705XX	Web
Tower Loan has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
04/07/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 393XX	Web
Checking my credit without my permission. Also, still trying to say I owe money when they garnished my check. They also sent false garnishing papers from my employer, and had to refund my money.
11/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 366XX	Web
I have been trying since XXXX of 2020 to explain that my identity was stolen and to get this information removed from my report I submitted police reports and action still have not been taken.
02/14/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	LA 70508	Web
Tried explaining my husband became ill with needing a XXXX XXXX ; they didnt care. They wrote it off as bad debt and then turned around and sued me. Has been on my credit for months already.
07/13/2016	Yes	Consumer Loan Pawn loan	Charged fees or interest I didn't expect	MO 63901	Web
Tower loan keeps harrassing me wanting payment when I have filed bankruptcy. Sent letter and spoke to tower loan to let them know I have filed bankruptcy. This company is harrassing me.
12/30/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	LA 704XX	Web
XXXX at tower loan in XXXX la, is constantly calling my phone and job phone more than once a day. I was threatened today XX/XX/19 at XXXX XXXX with a lawsuit by he and supervisor XXXX.
12/27/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 70363	Web
TOWER LOAN IS CALLING ME BACK TO BACK SEVERAL TIMES A DAY AND ALSO CALLING MY REFERENCES THE SAME, I HAVE TOLD THEM I WOULD PAY ON THE XXXX YET THEY STILL CALL SO MUCH IT IS HARRASMENT
08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 650XX	Web
I am writing to request the removal of unauthorized credit inquiries on my name of the credit bureau-XXXX, XXXX and or XXXX credit report/credit inquiries that i did not authorize.
08/02/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MS 39042	Web
Tower Loan is calling obsessively. They are even showing up at our house, even after we talk to them and make payment arrangements. They are harassing my husband and I every day.
05/26/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	MS 394XX	Web
I have tried numerous times to dispute this account it is showing on my credit reports as a derogratory account with a zero balanced out and a high balance still being reported.
03/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Billing dispute for services	LA 712XX	Web
Unauthorized credit on account I did not give authorization to access information and individuals who are using this account are scamming and committed fraud against my identity
01/14/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MO 65251	Web
My loan was placed with an attorney for collections and the attorney sends all correspondence to my place of employment. I was told today from my employer that this has to stop.
10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38118	Web
I HAVE A COUPLE OF HARD INQUIRIES ON MY CREDIT REPPRT THAT I DID NOT AUTHORIZE I DID NOT GIVE PERMISSION FOR MY CREDIT TO BE RAN AND I WOULD LIKE THEM TO BE DELETED IMMEDIATLEY
07/10/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MS 390XX	Web
I have previously asked Tower Loan of XXXX, Ms not to call me at my job and they called and left a message that was taken by my coworker. XXXX left a message to give him a call
01/11/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MS 39212	Web
Fell behind on loan due to not being able to work. Branch manager has continuously come to my home, call harassing references and people that I didnt list on loan application
08/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 393XX	Web
Tower Loan constantly calls in an attempt to collect an alleged debt. Tower Loan has be asked to cease communication and provide documentary evidence of the alleged debt.
06/12/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	LA 70816	Web
Tower Loan calls multiple times a day and repeatedly back to back. They leave harassing and threatening messages. Im not working and they arent willing to work with you.
01/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 618XX	Web
Tower Loan continues to run a hard inquiry on my credit without authorization every three months. I have no knowledge of this company or any application for a loan ever.
07/24/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 394XX	Web
I offered a settlement payment that was refused and they constantly run hard inquiries on my credit report for the sole purpose of trying to lower my credit rating
10/13/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 75062	Web
The creditor is checking my credit reports without my consent. I contacted them once before and they stated to me that they check credit reported for skip tracing.
11/16/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	LA 714XX	Web	Servicemember
On XX/XX/21 CSR XXXX called my cell phone 4 times including once from her personal cell phone within about a 30 minute time span. That is harassment and illegal
07/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39209	Web
tower loan services of Mississippi is keep pulling my credit without my permission they pulled it on XX/XX/2018 and XX/XX/2018 I want it removed from my report
09/24/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	LA 700XX	Web
Tower Loan has been running hard inquiries on my credit report every month for nearly a year. I did not authorize this, and I believe it to be illegal.
09/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	LA 711XX	Web
A loan company by the name of tower loan has called me over 5 times in the same day even though I made a payment that day. Tower loan is the business.
07/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 393XX	Web	Older American, Servicemember
A hard inquiry obtained by tower finance company in XXXX mississippi i did not authorize on XXXX and XXXX reports dated XXXX XX/XX/2020 XX/XX/2020
07/29/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 39120	Web
Employees at Tower Loan continue to call my job despite being asked not to call me at work. They call my cell and my work phone several times a day.
08/24/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 397XX	Web
I 've tried multiple times contacting the company and they tell me they have no idea who I am but I can not delete anything off of my credit report
06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77433	Web
There is an unauthorized inquiry from Tower Loan in which I have not consented to. I have not applied for any of their products or services.
01/08/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	LA 710XX	Web
Refinanced loans in my name fraudulently and are trying to seize property behind fake loans and it's already been proved in my credit report
06/17/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 394XX	Web	Servicemember
Debt collector contacted me at work ( violation of FCRA ) after repeatedly verbally telling them not to. Debt collector also used profanity.
01/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA XXXXX	Web
I HAVE PAID THIS ACCOUNT IN FULL AND HAVE SUBMITTED ALL RECEIPTS, THIS IS STILL SHOWING A {$3500.00} BALANCE ON MY CREDIT REPORTS.
08/03/2017	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MO 65201	Web
Tower Loans called my old job and left a message on another person 's work phone for me even when CFPB cautioned them to desist.
01/24/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AL 350XX	Web
They continually call me at work after I have told them at least 6 times not to. This could cause me problems with my employer.
01/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70058	Web
Tower Loan ran my credit 4 times ( hard inquiry ) without my consent. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 38637	Web
I look at my credit report and seen 80 inquiries on my report for XXXX thats not mind! From XX/XX/XXXX-XX/XX/XXXX
09/11/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with the payoff process at the end of the loan	MS 39501	Web
Auditor from tower loan called inquiring about a check cashed in my name at XXXX XXXXXXXX that I didnt cash
08/19/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Credit inquiries on your report that you don't recognize	MS 390XX	Web
I just received notice that a hard inquiry was made on my credit by Tower Loan in XXXX without my approval.
09/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 360XX	Web
I recieved a alert on my cell phone on XXXX/XXXX/XXXX that a new inquiry was added to my report.
08/24/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	MS 38637	Web
Constantly calling. I fell on hard times and they are even coming to my place of residence.
10/21/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Personal information incorrect	AL 35611	Web
did not sign anything with Tower Loan or XXXX XXXX for them to check my credit with them.
11/30/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 395XX	Web
calls my job ( XXXX ) when I am unable or unwilling to answer my cellphone. unacceptable
08/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75126	Web
I have several inquires on my credit report from being a victim of identity theft
11/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39503	Web
unknown inquiries on my credit report without my knowledge or consent XX/XX/2019
12/07/2022	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 60515	Web
Calling family members when asked to not contact anyone outside of myself.
11/09/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MO 638XX	Web
These people repeatedly call me for my sister 's debt. Every single day.
04/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35242	Web
There are many mistakes appear in my report without my understanding.
04/04/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AL 366XX	Web
Company keeps calling from spoof numbers and using obscene language.
05/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 71303	Web
I never gave this company permission to request my credit.
09/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70117	Web	Servicemember
I have inquries on my credit I did not do or recognize
04/11/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	LA 714XX	Web
Company has been calling my job consistently
10/27/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MS 39206	Web
They constantly call my phone back to back
08/28/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 63368	Web
Having an issue with collection practices.
01/14/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MS 38654	Web
Coming to my home harassing pregnant wife
07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MD 21122	Web
I did not authorize this inquiry
02/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	AL 35160	Web

02/02/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	LA 703XX	Web

02/01/2024	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS XXXXX	Web

01/26/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	LA 70607	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63011	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70563	Web

01/23/2024	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Struggling to pay your loan	AL 35810	Phone	Older American

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70122	Web

01/05/2024	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	MS XXXXX	Web

12/26/2023	Yes	Payday loan, title loan, personal loan, or advance loan Other advances of future income	Confusing or misleading advertising or marketing	MO 65265	Web

12/13/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	IL 60432	Web

12/13/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	LA 71111	Web

12/12/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Charged fees or interest you didn't expect	MS 39213	Phone

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	TX 78233	Phone

11/16/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Struggling to pay your loan	MS 39401	Phone

11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70546	Web

11/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77040	Web

11/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70560	Web

11/06/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Charged fees or interest you didn't expect	TX 76135	Web

11/06/2023	Yes	Money transfer, virtual currency, or money service Money order, traveler's check or cashier's check	Fraud or scam	IL 60510	Web

10/20/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Struggling to pay your loan	AL 36360	Web

10/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36526	Web

10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75150	Web

09/28/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Problem with the payoff process at the end of the loan	LA 71291	Phone

09/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PR 00751	Web

09/15/2023	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 78245	Web

09/05/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	TX 78728	Web

08/30/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	TX 78227	Web

08/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 64790	Web

08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MS 39503	Web

08/10/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	MS 38965	Web

08/02/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MS 39213	Phone

08/01/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 79423	Web

07/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77384	Web

07/23/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IL 61102	Web

07/23/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 61102	Web

07/22/2023	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 77384	Web

07/22/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	MS 38901	Web

07/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64790	Web

07/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 64790	Web

07/18/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	MO 64790	Web

07/17/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MO 64790	Web

07/12/2023	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	MO 64790	Web

07/12/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	MO 64790	Web

07/11/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77384	Web

07/05/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 78221	Web

06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 71203	Web

06/22/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	OK 74017	Web

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	TX 77384	Web

06/15/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	AL 35986	Web

06/06/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MS 38964	Web

06/05/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	LA 70757	Web

05/19/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TX 76244	Web

05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 38637	Web	Servicemember

05/11/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	LA 71047	Web

05/09/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 78254	Web

05/02/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 71129	Web

04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75126	Web

04/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 35485	Web

03/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33609	Web

03/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38115	Web

03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 62703	Web

03/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 36093	Web

03/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39480	Web

03/16/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	MO 64133	Phone	Older American

02/25/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AL 36526	Web

02/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35611	Web

02/24/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	LA 70663	Web

02/15/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	LA 71360	Phone	Servicemember

02/09/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	LA 70126	Web

02/02/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MS 39301	Web

02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60134	Web

01/31/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	MS 39090	Phone

01/30/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with fraud alerts or security freezes	MO 63114	Phone	Older American

01/27/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MS 39507	Web

01/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75160	Web	Servicemember

01/22/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AL 35630	Web

01/20/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 76513	Web

01/19/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	MO 63114	Phone	Older American

01/14/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	LA 71111	Web

01/14/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	LA 70441	Web

01/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 35444	Web

01/10/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MS 39756	Web

01/06/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IL 61254	Web

12/16/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AL 36575	Web

12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	MS 38701	Web

12/08/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MO 64850	Phone

11/18/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AL 36265	Web

11/17/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AL 35952	Web

11/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 386XX	Web

10/26/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MO 64850	Phone

10/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70814	Web

10/21/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	LA 71307	Web

10/11/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MS 39051	Postal mail

10/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75028	Web

09/26/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 75219	Web

09/08/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 62330	Phone

09/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70805	Web

08/29/2022	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	LA 70118	Phone

08/09/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	MS 38858	Phone

07/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70051	Web

05/31/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Account information incorrect	LA 70802	Phone

05/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33134	Web

05/24/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AL 36610	Web

05/20/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	LA 70775	Referral	Older American

04/27/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	AL 35957	Web

04/23/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	LA 70546	Web

04/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 37801	Web

04/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 65738	Web

04/14/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MS 39452	Phone

04/12/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MS 39232	Web	Servicemember

04/12/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	MS 39159	Phone

03/30/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AL 36526	Web

03/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AL 365XX	Web

03/16/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	MO 63837	Phone

03/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70611	Web

03/10/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	ND 58854	Phone

03/02/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MO 64804	Phone

02/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 35905	Web

02/14/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 38866	Web

02/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70447	Web

02/14/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information is missing that should be on the report	LA 70805	Phone

01/27/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 70601	Phone

01/26/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 76226	Phone

01/25/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MS 39540	Phone

01/18/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	MS 38930	Phone

01/17/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AL 36017	Web

01/17/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AL 36064	Web

01/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 35903	Web

01/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39503	Web

01/11/2022	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MS 39601	Postal mail	Servicemember

01/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 65808	Phone

01/03/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MS 38930	Phone

12/19/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AL 35749	Web

12/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MS 39272	Web

12/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 63701	Web

12/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 38930	Web

11/29/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MS 38826	Web

11/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MS 39581	Web

11/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38126	Web

10/28/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MO 63456	Phone	Older American, Servicemember

10/04/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	LA 70560	Web	Older American

09/21/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AL 35235	Web

09/17/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	LA 70127	Web

09/14/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	LA 71129	Phone	Older American, Servicemember

09/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 38923	Web

09/03/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	MS 39531	Referral	Older American

08/31/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31019	Web

08/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30248	Web

08/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70394	Web

08/11/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan		Phone

07/26/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31019	Web

07/23/2021	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	MS 39095	Phone	Older American

07/19/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70805	Web

07/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 36116	Web

07/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	MS 39111	Phone	Servicemember

07/02/2021	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	IL 62858	Web	Servicemember

06/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 388XX	Web

06/17/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	MO 63304	Web

06/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MS 38654	Web

06/11/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39480	Web	Servicemember

05/26/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MS 39305	Web

05/21/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MS 39350	Web

05/19/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 70791	Web

05/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85374	Web

05/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 63366	Web

04/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	LA 71301	Web

04/19/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AL 36532	Web	Older American, Servicemember

04/15/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MS 39110	Web

04/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39641	Web

04/12/2021	Yes	Payday loan, title loan, or personal loan Title loan	Received a loan you didn't apply for	MS 39641	Phone

04/09/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	LA 70560	Phone

03/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MS 38654	Web

03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 38654	Web

03/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39401	Web	Servicemember

03/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39667	Web

03/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid		Phone

02/02/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MS 39652	Phone

01/29/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MS 39212	Phone

01/12/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan		Phone

12/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 36526	Web

12/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 36526	Web

12/15/2020	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official		Phone

12/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39350	Web

12/08/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MO 65622	Web	Servicemember

11/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 70343	Phone

11/07/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MS 38870	Web

11/04/2020	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	AL 35209	Phone

10/09/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	LA 71047	Web

09/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MO 63775	Web

08/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	MS 38680	Web

08/20/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan		Phone	Servicemember

08/18/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	LA 70343	Phone

08/07/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan		Phone

07/17/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AL 35480	Web

07/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 71108	Phone

07/08/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	LA 70764	Web

07/03/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	LA 70460	Web

06/12/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	LA 707XX	Web	Servicemember

05/21/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	LA 70003	Web

04/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63011	Postal mail

02/19/2020	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	AL 35094	Postal mail	Older American

02/04/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MS 38826	Web

01/31/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services		Phone

01/30/2020	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MS 39110	Phone

01/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 38611	Web

01/16/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MS 38732	Phone

12/20/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	LA 70814	Web

12/15/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	LA 70814	Web

12/09/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MS 39525	Web

12/03/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Reporting company used your report improperly	MS 39144	Phone

11/21/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	LA 70816	Web

11/17/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MO 63304	Web	Servicemember

10/31/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MS 39083	Web

10/15/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MO 65803	Phone

09/20/2019	Yes	Mortgage Conventional home mortgage	Trouble during payment process	MO 63015	Phone	Older American, Servicemember

09/12/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MS 39212	Phone

08/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	IL 609XX	Web

08/13/2019	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	MS 39443	Web	Servicemember

07/19/2019	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls		Phone	Older American

07/03/2019	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	MS 39083	Web

06/12/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MS 39157	Web

05/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 39157	Web

05/25/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 71078	Web

05/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71078	Web

05/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 71078	Web

05/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 71078	Web

05/09/2019	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	LA 711XX	Web

05/08/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MS 39667	Web

05/07/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	MO 63020	Web	Older American

05/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AL 35816	Web

04/14/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39439	Web

04/04/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	LA 70123	Web

03/29/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Credit limit changed	MS 38829	Web

03/26/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Personal information incorrect	AL 35173	Referral

02/27/2019	No	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	LA 71303	Web	Servicemember

02/05/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	MS 39212	Referral

12/06/2018	No	Debt collection I do not know	Communication tactics Frequent or repeated calls		Phone

12/05/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 78766	Web

11/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 65336	Web

10/11/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MO 63837	Web

10/03/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	LA 70380	Web

09/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 38732	Web

09/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 71270	Phone

09/04/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AL 36608	Phone

08/23/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MS 39601	Phone

08/08/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MS 39194	Postal mail

07/24/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	IL 62694	Web

07/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 71119	Web

07/02/2018	Yes	Mortgage Conventional home mortgage	Trouble during payment process		Phone	Servicemember

06/27/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70884	Web

06/26/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	LA 71109	Phone

06/25/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	MO 64804	Web

05/30/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 70433	Postal mail

04/17/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MS 39401	Referral

03/31/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Credit inquiries on your report that you don't recognize	LA 70665	Web

03/22/2018	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	MS 39206	Web

03/08/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	LA 71108	Phone

02/28/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	HI 96734	Web

02/14/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MS XXXXX	Web

02/14/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	LA 71007	Web

02/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MS 39047	Web

02/06/2018	Yes	Payday loan, title loan, or personal loan Title loan	Charged fees or interest you didn't expect	MS 395XX	Web

01/19/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AL 36054	Web

01/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77077	Web

01/03/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments		Phone

01/02/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan		Phone

11/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 39739	Web

11/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 65807	Web

11/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	MS 39739	Web

10/31/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MS 39213	Postal mail

10/11/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AL 36617	Web

09/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MS 39648	Web

09/12/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MS 39474	Web

09/07/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 39212	Referral

09/01/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MS 38866	Web

08/17/2017	Yes	Mortgage Conventional home mortgage	Struggling to pay mortgage	MS 39401	Web

08/08/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	LA 70301	Web

06/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MS 38769	Web

06/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 65232	Web

06/15/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	MO 63362	Web

05/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 71105	Web

04/14/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	MO 63019	Phone

03/29/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	MS 39440	Phone

03/28/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 32909	Postal mail

03/23/2017	Yes	Payday loan	Can't contact lender	MS 39090	Web

03/13/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 70810	Phone

03/09/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 63459	Web

03/07/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 36301	Web

03/06/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 64063	Web

03/02/2017	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	LA 70583	Web

03/01/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	AL 36603	Web

02/22/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	AL 36535	Web

02/17/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AR 71730	Web	Servicemember

02/16/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	AL 35750	Postal mail

02/11/2017	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted me instead of my attorney	MO 64030	Web	Servicemember

02/01/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 35054	Web

01/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	MO 65301	Web

01/23/2017	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	MS 38606	Web

12/31/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MO 63601	Web

12/22/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 64801	Phone

12/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MS 39212	Web

12/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MS 39745	Web

12/09/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	MO 63020	Web

11/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	MO 65202	Web

09/28/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	LA 71446	Web

09/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	MS 38761	Web

08/12/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 396XX	Web	Older American

08/11/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	MS 39365	Postal mail

08/04/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	AL 36869	Web

07/28/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	MO 63640	Web

06/15/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	IL 61745	Web

06/14/2016	Yes	Consumer Loan Personal line of credit	Problems when you are unable to pay	MI 39051	Phone

06/07/2016	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	MO 64127	Phone

06/06/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 39051	Phone

05/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IL 62082	Phone

05/14/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 65202	Web

04/18/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 71040	Web

04/18/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	MS 39360	Phone

04/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	LA 71354	Web

04/13/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 70726	Web

04/09/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 35206	Web

03/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	AL 35206	Web

02/25/2016	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted me after I asked not to	LA 71111	Web

02/15/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 71109	Web

01/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MS 39204	Web

12/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	MO 63601	Web

10/28/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 35490	Web

10/27/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 36619	Postal mail

10/14/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 713XX	Web

09/30/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IL 62702	Referral	Servicemember

09/29/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	MO 63385	Web

09/28/2015	Yes	Consumer Loan Pawn loan	Charged fees or interest I didn't expect	LA 71301	Web	Servicemember

09/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	MO 65810	Web	Servicemember

09/21/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 65810	Web	Servicemember

09/18/2015	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	MO 63301	Postal mail

09/15/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MS 38855	Web

08/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	TN 38125	Web

07/31/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CA 92882	Phone	Older American

07/27/2015	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	LA 70607	Phone	Older American

07/17/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 39553	Web	Servicemember

07/15/2015	Yes	Mortgage Conventional fixed mortgage	Loan servicing, payments, escrow account	MS 39452	Web

07/12/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MS 38855	Web

07/10/2015	Yes	Consumer Loan Personal line of credit	Managing the line of credit	MS 39443	Phone

07/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MS 39066	Web

07/02/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IL 62801	Web

07/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	LA 70748	Web

06/01/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	AL 35211	Web

05/23/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 71105	Web

05/20/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IL 61705	Web

05/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me instead of my attorney	LA 71291	Web

05/08/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 61201	Postal mail	Older American

04/16/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	AL 367XX	Web	Servicemember

03/27/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 39350	Web

03/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	LA 71459	Web	Servicemember

03/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MS 38652	Phone	Older American

03/20/2015	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	LA 70814	Web

03/12/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	MS 38756	Web

02/26/2015	Yes	Payday loan	Charged fees or interest I didn't expect	IL 62702	Web

02/19/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 39652	Web

02/19/2015	Yes	Consumer Loan Vehicle lease	Shopping for a loan or lease	MS 38855	Web

02/11/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	MS 39046	Web

02/06/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 63660	Web

01/30/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 71354	Web

01/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TN 38125	Web

01/21/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 39206	Web

01/07/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	LA 71202	Web

12/26/2014	Yes	Consumer Loan Pawn loan	Payment to acct not credited	MO 65807	Web	Older American

12/17/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 63042	Web

12/15/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	MS 39426	Phone

11/29/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 64133	Web

11/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	LA 70422	Web

11/14/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 38655	Web

11/10/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IL 61704	Phone	Older American

11/06/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 38824	Web

11/04/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 71118	Web

11/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	MS 39443	Web

11/03/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	AL 35216	Web

11/02/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 70454	Web	Servicemember

10/30/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	IL 62002	Referral

10/09/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 62534	Web

10/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	IL 62534	Web

10/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	LA 70714	Web

09/13/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MS 39211	Web

09/10/2014	Yes	Mortgage Home equity loan or line of credit	Loan servicing, payments, escrow account	MS 38873	Web	Older American

08/28/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	MS 39212	Web	Servicemember

08/28/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 38701	Web

08/26/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 65560	Web

07/29/2014	No	Consumer Loan Installment loan	Problems when you are unable to pay	MS 39212	Web

07/22/2014	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	MS 39744	Web

07/14/2014	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt is not mine	MS 39973	Web	Older American

07/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MS 39206	Web

07/10/2014	Yes	Credit reporting	Incorrect information on credit report Account terms	MO 63129	Web

07/01/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 70769	Web

06/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	LA 71465	Phone

06/04/2014	Yes	Consumer Loan Personal line of credit	Account terms and changes	LA 70458	Web

05/30/2014	Yes	Debt collection Payday loan	Taking/threatening an illegal action Seized/Attempted to seize property	LA 70722	Web	Older American

05/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MO 65672	Web

05/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MO 64929	Web

05/04/2014	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	MS 39150	Web

05/02/2014	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	LA 71326	Fax

05/01/2014	Yes	Payday loan	Charged fees or interest I didn't expect	IL 61604	Referral

04/16/2014	Yes	Mortgage Home equity loan or line of credit	Loan modification,collection,foreclosure	MS 38801	Web

04/15/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MO 63125	Web

04/10/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 61604	Referral

04/07/2014	Yes	Payday loan	Can't stop charges to bank account	NE 68114	Web

04/04/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MO 63638	Web	Older American

03/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	MO 65622	Web

03/26/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MO 65270	Web

03/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MS 39531	Web

03/24/2014	Yes	Consumer Loan Personal line of credit	Account terms and changes	LA 70458	Web

03/19/2014	Yes	Consumer Loan Personal line of credit	Account terms and changes	AZ 85307	Web	Servicemember

03/15/2014	Yes	Mortgage Other mortgage	Loan modification,collection,foreclosure	MO 63953	Postal mail

03/15/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MS 39211	Web

03/15/2014	Yes	Consumer Loan Personal line of credit	Managing the line of credit	MO 64015	Web

03/13/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 70546	Phone

03/04/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	LA 70802	Web

02/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	MO 65240	Web

02/15/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	MO 64111	Web

02/07/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	MO 65332	Web

01/31/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	LA 71291	Web

01/31/2014	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	LA 71291	Web

01/21/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	MO 65109	Web

01/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	MS 38756	Web

01/13/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MO 64132	Phone

12/09/2013	Yes	Consumer Loan Installment loan	Managing the loan or lease	MO 63624	Web

12/05/2013	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	MO 64772	Web

11/13/2013	Yes	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	MO 65583	Web

11/12/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	MO 65257	Web

10/18/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	MO 64055	Web	Servicemember

10/12/2013	Yes	Consumer Loan Installment loan	Managing the loan or lease	MS 39272	Web

10/09/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 70512	Web	Older American

10/05/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 61301	Web

09/30/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MO 64030	Web	Older American, Servicemember

09/16/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	MS 39110	Web

09/12/2013	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	MO 65757	Web

09/09/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	MS 39042	Web

09/05/2013	Yes	Consumer Loan Installment loan	Taking out the loan or lease	LA 70816	Web

08/19/2013	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 61821	Web

08/03/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	MO 63021	Postal mail