|
11488744
|
2025-01-12
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other debt
|
| Date Received |
2025-01-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-23
|
|
|
11589888
|
2025-01-20
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-20
|
|
|
11434083
|
2025-01-08
|
Problem when making payments
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Installment loan
|
| Date Received |
2025-01-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-08
|
|
|
11255550
|
2024-12-23
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third-party about your debt
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-23
|
|
|
11368021
|
2025-01-03
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-03
|
|
|
11338842
|
2024-12-31
|
Incorrect information on your report
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Installment loan
|
| Date Received |
2024-12-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-31
|
|
|
11320811
|
2024-12-31
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-31
|
|
|
7383724
|
2023-08-10
|
Struggling to pay your loan
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2023-08-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-15
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7018082
|
2023-05-23
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
Other debt
|
| Date Received |
2023-05-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-23
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6283256
|
2022-12-05
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-12-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-05
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6282444
|
2022-12-05
|
Struggling to pay your loan
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2022-12-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-05
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7439322
|
2023-08-23
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-08-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-08-23
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5775865
|
2022-07-15
|
Problem when making payments
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2022-07-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-15
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6295889
|
2022-12-09
|
Threatened to contact someone or share information improperly
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Threatened to contact someone or share information improperly
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Talked to a third-party about your debt
|
| Sub Product |
Auto debt
|
| Date Received |
2022-12-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-09
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6367361
|
2022-12-27
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-12-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-27
|
| Complaint What Happened |
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 )
|
| Consumer Consent Provided |
Consent provided
|
|
|
6276321
|
2022-12-03
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-12-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-03
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5848324
|
2022-08-05
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-08-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-08-05
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5075128
|
2022-01-05
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other debt
|
| Date Received |
2022-01-05
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-05
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4900935
|
2021-11-11
|
Struggling to pay your loan
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Payday loan
|
| Date Received |
2021-11-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-11-11
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4949986
|
2021-11-26
|
False statements or representation
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Indicated you were committing crime by not paying debt
|
| Sub Product |
Payday loan debt
|
| Date Received |
2021-11-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-11-26
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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
|
| Consumer Consent Provided |
Consent provided
|
|
|
4956748
|
2021-11-29
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-11-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-11-29
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
unknown inquiries on my credit report without my knowledge or consent XX/XX/2019
|
| Consumer Consent Provided |
Consent provided
|
|
|
4407783
|
2021-05-26
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
I do not know
|
| Date Received |
2021-05-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-05-26
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6836990
|
2023-04-13
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2023-04-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-04-13
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4424493
|
2021-06-02
|
Struggling to pay your loan
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Struggling to pay your loan
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2021-06-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-06-02
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3735757
|
2020-07-08
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Credit card debt
|
| Date Received |
2020-07-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-07-08
|
| Complaint What Happened |
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 ).
|
| Consumer Consent Provided |
Consent provided
|
|
|
3416725
|
2019-10-24
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
Other debt
|
| Date Received |
2019-10-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-10-28
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3139824
|
2019-02-01
|
Communication tactics
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Used obscene, profane, or other abusive language
|
| Sub Product |
Other debt
|
| Date Received |
2019-02-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-02-01
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4291133
|
2021-04-12
|
Received a loan you didn't apply for
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Received a loan you didn't apply for
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Title loan
|
| Date Received |
2021-04-12
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-04-12
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
4103437
|
2021-01-29
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Other debt
|
| Date Received |
2021-01-29
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-01-29
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
3805567
|
2020-08-20
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information is incorrect
|
| Sub Product |
Other personal consumer report
|
| Date Received |
2020-08-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-08-20
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3457955
|
2019-12-04
|
Getting the loan
|
Payday loan, title loan, or personal loan
|
|
| Tags |
Servicemember
|
| Issue |
Getting the loan
|
| Timely |
Yes
|
| Company |
Tower Loan of Mississippi, Inc.
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2019-12-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-12-04
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
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?
|
| Consumer Consent Provided |
Consent provided
|
|
