Consumer complaint received 2017-12-27
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
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.

Company response to consumer: Closed with explanation