Consumer complaint received 2019-01-05
Company: Harpeth Financial Services, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX this year two big expenses came up ; one the air broke during 100 degree weather, and second, my horse of 26 years got ill and then died. The Ac cost {$2400.00}, the death of horse, {$1000.00}. Together they pushed my finances over my limits. I began by borrowing what use to be called a " payday '' loan, but is now called a " flex Loan ''. This got to be so expensive that I ( quite foolishly ) took out another to pay the first. This became EIGHT/8 " loans '' from " XXXX ", " XXXX XXXX XXXX '' type high-interest lenders. In XXXX I finally decided to address the issues with each one. Up until that point I had not missed any payments! I CLOSED the bank account that I had been using to pay them by auto debit. A new card was issued, also. So I began contacting ALL lenders to make payment arrangements that would " make everyone happy '' and to let them know I was NOT TRYING TO SKIP MY BILL, just pay smaller amount for longer period and HOPE they might lower interest rates! 
The first lender ( XXXX  ) stated I owed {$780.00} and they would drop it to {$350.00} if I paid in 2 payments, which I did! However, the first and biggest interest lender, XXXX, was the second lender I called. It has NOT turned out well! 
XXXX HAS STOLED XXXX from my " new '' bank account!!! I DID NOT authorize this payment!! On XX/XX/XXXX, I called them and asked for help/consideration in giving me more time and smaller payments! I stated I could only pay them {$200.00} per month, and was willing to give them the {$200.00}. payment at that moment, by phone. This was on the NEW debit card that WAS NOT part of any agreement I had with them! They took the {$200.00} that night, XX/XX/XXXX. 
However, on the second of XXXX a huge almost {$400.00} amount was deducted from my new bank account by XXXX!!! I immediately called my bank and went to see local manager to REVERSE this as unauthorized! Bank manager stated that since I gave/authorized them the {$200.00} in XXXX, they were allowed to take this $ XXXX+ out in XX/XX/XXXX!!! 
How can I dispute my own bank. I will NOT be staying with them if that is their logic! If that were the case any and every payment I ever made to ANYONE, could use my debit info and STEAL whatever they wanted from my bank account!!! This is asinine! 
I want the bank to recover my funds ASAP. 
I have since called more lenders and all have been amenable to other arrangements that work out for everyone, included a 60 day window, no fees, and weekly payments instead of monthly! When I asked XXXX if they would TAKE unauthorized $ from my bank other than what we agreed on she ( XXXX ) stated that unauthorized payments were illegal and they would not do that and that I should call police and my bank and file charges To me it is stealing! I an trying very hard to do they right thing. Therefore, all other entities should also be required to. Including my own bank, XXXX XXXX XXXX out of XXXX, Tn. 
There should be laws preventing this theft of funds by any entity! Just because I approve ONE payment does not mean any payment they feel like taking! If that was the case, XXXX would be dipping into my bank account, and the electric company, and anyone I " do business with ''! 

Please help. Thank you for your attention to this serious matter, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation