Consumer complaint received 2018-01-03
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Today I went into my XXXX XXXX XXXX XXXX onXX/XX/XXXX to take care of some business and to my surprise, the teller told me that my saving account is overdraft. I was shocked to here that. So I asked how could my account be overdraft and was told that XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone : XXXX have taking {$110.00} out of my account. It 's been over a year since I had any dealings with them. They would go into my account if I did n't make my payment on time in which, I always did but on this particular day that my payment was due, I went into the branch as I had always done and the lady behind the glass who takes the payments, told me that XXXX XXXX had already taking the money out of my account and once again I was shocked that they went into my account again. So after speaking with a manager back then, I was told by their manager that I " are '' someone had check the box for them to draw money from my account, as I explained to the manager, I never signup for anyone to take money out of my account. I never authorized XXXX XXXX to draft my account. The manager went on to tell me that every employee who takes payment is " suppose '' to let all the customers know to either check the box to have XXXX XXXX to debit the customer account. I explained to that manager I do n't want their company going into my account. I told him that is against the law and he explained to me that not if the customer agree to it. He than preceded to tell me that the next time I come in to renew the payday loan, that I need to tell the person behind the glass counter that I do n't want to have XXXX XXXX to debit my saving account. I was also told that I could go online and sign into my account and un-check the box for them to stop going into my account without prior authorization and so I did un-check the box.I also contacted my financial institutional and had them to replace my debit card by issuing me a new number in which they did because I NEVER gave XXXX XXXX my saving routing number, just my debit card and now that I 've been issued a new debit card with new number, XXXX XXXX will not be able to debit my saving account, so I thought. My financial needs had changed because of my monthly fixed income from SSI. After one year to the date, XXXX XXXX went into my account again. I did not give XXXX XXXX authorization to go into my account. I do n't even know how they were able to go into my bank account without my debit card number and they are not authorized to have my Bank Routing Number are Account Number. I called XXXX XXXX on XX/XX/XXXX and spoke with a gentleman by the name XXXX XXXX and asked him why did they go into my account. XXXX XXXX told me they can do that without my permission because of the contract I signed over a year ago. So I explained to XXXX that is illegal to go into someone account without their permission. XXXX told me they do this all the time rather its illegal or not, they will do what they have to do to get their money back and that I better be glad that XXXX XXXX did n't take out {$500.00} and that XXXX XXXX ca n't debit the money back into my account anyways and if I want to work out something in paying them another {$500.00}, for me to call them back because they are playing to go back into my account for the rest of it. I 'm just shock this company thinks they can get away with this.

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