Consumer complaint received 2018-07-21
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I filed a CFBP complaint in XX/XX/2018 regarding XXXX XXXX and the repayment information not properly discussed with me as well as the perception the company creates with advertisement of products ; when the repayment plan is actually not all as described. Prior to the CFPB compliant and once post compliant filing, I requested information in writing or electric ( email ) format. They attempted to call but based on my experience, I do not feel comfortable or trust information that would be verbally disclosed ; which is why I requested the information be issued email. To date, I have not yet received response as requested. In fact, XXXX XXXX has always auto debited my account via XXXX. XXXX XXXX stopped debiting my account, without any request from me or any notification to me regarding the decision by XXXX XXXX to cease the auto payments. During this time, I still did not receive the requested answers via email or written format ; as requested. Again, at no point did I request XXXX XXXX to stop auto debit payments ; that was a sole decision by XXXX XXXX. On XX/XX/2018, it appears that XXXX XXXX made the decision to resume auto debiting my account as there were eight debits totaling {$2500.00}. Needless to say, that left me minimal funds to survive for the next two weeks. As I stated, XXXX XXXX made the sole decision to cease auto debits at the time I filed the complaints but yet, XXXX XXXX then made the sole decision to debit my account eight times on the same date exceeding {$2500.00}. On XX/XX/XXXX, my account was debited in the amount of {$360.00}. On XX/XX/2018, my account was debited twice ; once in the amount of {$360.00} and once in the amount of {$1500.00}. It would appear that XXXX XXXX wanted to appear to be taking action by not debiting my account at the time of the initial CFPB compliant but yet, once the claim was closed, XXXX XXXX made the decision to immediately debit my account eight times. Is this a form of retaliation or intimidation for filing the CFPB. It certainly feels that way. On XX/XX/2018, I made contact to XXXX XXXX telephonically and was notified by the representative that the representative could see the eight auto debits/payments on XX/XX/2018, the one payment ( {$360.00} ) on XX/XX/2018, and the two auto debited payments ( {$360.00}, {$1500.00} ) processed today, XX/XX/2018. The representative advised that the multiple payments deducted on XX/XX/2018 were for being behind on the account. Again, XXXX XXXX made the decision to stop debiting my account at the time I filed the CFBP complaint and yet, then auto debited my account eight times on the same date for alleged non-payment. At no point did I contact XXXX XXXX and make the request to stop the auto debits. For XXXX XXXX to indicate that I failed to remit payment when the payments were auto debited, which XXXX XXXX   made the choice to stop at the time I submitted the CFPB complaint, but yet XXXX XXXX is presenting as though I was failing to remit payment. If that is the case, then it also effects my credit. In addition, the XXXX XXXX representative advised that she did not know why my account was debited the {$1500.00}. The representative indicated I didnt know how they came up with that number and that Id have to talk to XXXX XXXX. The representative apologized and again indicated she did not know why my account was debited twice today, XX/XX/2018. I was notified by the XXXX XXXX representative that XXXX XXXX was available M-F XXXX. I requested to be transferred to XXXX XXXX voicemail and was placed on hold. The XXXX XXXX representative then returned to the call stating she was not able to transfer the call and advised that I could reach XXXX XXXX voicemail by calling XXXX. I dialed the phone number which was picked up immediately picked up by recordings for XXXX XXXX advertisement and after approximately 1.5 minutes ; I received XXXX XXXX voicemail. I left a voicemail message indicating my name and the purpose of my call ( aforementioned debits ) and requested that a response be issued to me in writing via email and provided my email address multiple times.

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