Consumer complaint received 2023-10-16
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
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.

Company response to consumer: Closed with explanation