Consumer complaint received 2021-04-21
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I initiated a loan {$4000.00} with tower loan on XX/XX/XXXX. 
My payment was XXXX I lost my job, after a few months without work I found a job but wasnt making the same income. I notified Tower loan of this matter as well, along with The fact my girlfriend was expecting a baby. I explained I was trying to make ends meet for all my bills and I could not make the full amount requested each month but could send in as much as I could. They said ok but after a while began to repeatedly call me. I happen to receive a new number and they began to call and harass my girlfriend in reference to my loan she had nothing to do with. The manager used abusive and offensive language by calling me ignorant. As time furthered they continued to call her Phone and threatened me with taking legal action. At that time my girl friend was XXXXmonths, pregnant I then explained again Im doing all I can while expecting a child and paying bills I owe with everyone as my income is no longer $ XXXX but now $ XXXX. 

My girlfriend moved into her home she brought on XX/XX/XXXX. I was repeatedly contact via my girlfriend phone, even the day after my child was born still in the hospital, the manager at tower loan showed no sympathy and tried to argue on the phone with me. I explained not only had I lost my job, Got a new one lower pay but now was out of work due to Covid. I explained I had no extra funds and was in need of financial hardship due to having a baby and the pandemic. My girlfriend later purchased a bedset for our child XX/XX/XXXX. Her loan for the set was through tower loan .... not even 7days later she received a letter XX/XX/XXXX the envelope had her address and the letter on inside had my address that I was living at at time of Loan. 
I then was served on XX/XX/XXXX at her address. I was there as I had had trouble keeping up with bills and at this point our child was here. I was still out of work as the state was only allowing essential workers to work. 

When I received letters from the court house in reference to times to court dates of being served it had my P.O. Box address. As I didnt have set residing place of my own. 

I offered a settlemt of the initial loan amount which I barely had. They denied my offer. I attended court twice and nothing resolved. I also am still accurring interest and the loan amount is going up. I set up a payment plan and it still is difficult to maintain as I have no job due to no childcare provided for my daughter due to covid related reasons. I feel that this is unfair and unjust with what is going on and facing financial hardship. 


My main complaint within this is to show not only did Tower Loan but also XXXX XXXXXX/XX/XXXX Took the address from my girlfriend loan of getting her bed set that happen to be through tower loan as choice of furniture place .they used it as my address with out my consent or statement saying I and a change of address or this was my residing place. That is an fraudulent act upon my personal information being shared and given out. 
The address shouldve never related to myself as it was not my permanent residence. I am aware that it was added to my credit report on XX/XX/XXXX as I was notified by my credit monitoring account. There no way that Tower Loan and the Law firm was able to connect my girlfriends address to myself as there was nothing in my name or proof of me being there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation