Consumer complaint received 2017-05-27
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
i originally got my loan ( flex loan ) from ADVANCE FINANCIAL IN XX/XX/XXXX. I walked in and got this loan with in an hour from a very friendly guy that was honest and helped me with a great atttitude, i have payed every month with high intrest and no compaints until now, as usual i payed XX/XX/XXXX my monthly intrest and the minumal amount of around 10.00 on the actual principal witch gave me an availible balance XXXX. on XX/XX/XXXX i paid another extra XXXX on the pricipal directly from bank account, bank draft that i had authorized at the begining of the loan given them access to draft from bank and to withdraw payment if i do not so by the XX/XX/XXXX of the month current availible balance =  {$25.00} availible credit, on XX/XX/XXXX i posted another draft of {$60.00} principal payment, making an availible credit limit of {$85.00}. i then went in on XX/XX/XXXX to withdrawl the the currednt availible balance of {$85.00} but was told i could not due to the payments i made by bank draft like i have serveral other times as my bank is in the next town and i do not have a debit card its an easy access and they make money. i told her i completly understand that why its processing the {$5.00} and {$60.00} payments that it is not availible just to make sure the money is there but then she told me i could not even with drawl the XXXX from 2 payments earlier the first one over a month ago and she then explained that no open credit is availible while its processing new payments? i never herd of this and been paying for 5 months was always able to withdraw any time as i was told i would be able to but i did not argue as i can understand company policys are not made by agents, she also told me it would be availible by friday. i returned home and i was upset and called there main company line to get another person who repeated what she said as if i had not told her exactly what was said and that my paid {$20.00} should be availible no matter what, i was offered no solutions and no calls back no offeres to talk to suppervisor or even a recomendation of calling regular office hours maybe a solution could be found. no solutions and acted like they did not care and that its just my problem that the money i had in the bank was now tied up waiting to process and now even my open line credit limit was unavailible because i made the mistake of trusting what they told me and what it currently says on line and in my agreement. after the phone call i was very mad and emailed the company the current situation and frustration, on XX/XX/XXXX i received an email accepting no responsabilitys and told me that there agents game me the very best service? then left my numbers so she could contact me by phone. i had to ask what service what solution. on XX/XX/XXXX the XXXX payment had went threw my bank and money was gone with only one pending transaction of $ XXXX.on XX/XX/XXXX the XXXX draft aslo cleared my bank. on XX/XX/XXXX i called up to my local store and they told me that my currentcredit availible was XXXX but i could only withdrawl the XXXX because the remander XXXX was still processing? i went to go withdraw the XXXX and was successfull but mention this to the person who acted like they had never herd of this. when i contacted the agent who talked to on the email on XX/XX/XXXX she did a very good job of understanding why i was so upset and offered me a gift card and told me that it had been processed byboth my bank and there bank and that it still was unavailible to me and she would check in on it. i then received an email a few hours later with an electronical gift card and said that there computers do not update until XXXX XXXX central and that the money should be avilible then on XX/XX/XXXX and then recived an add shortly after saying happy XXXX XXXX  your current availible credit line is {$60.00} just in time for the holidays! so i called the store and they confirmed this so i headed down there but when i got there was given the same exact speech that the money is not availible still processing and this is the same agent i had talked to on XX/XX/XXXX that said by friday and i told her about all the issues i have had and then she told me no i did not that i had only spoke to 1 person after her by phone and that my other conversations never took place! she did not call me a liar but denied that anything i had said did not happen! needless to say i was very upset so i went home and called there XXXX number again were i got a male agent who confurmed my information and ask me the issue so i gave him the short version but mainly what had just happened because i was not called a liar but that nothing i said was true! after i said what i had to say, i herd nothing and said hello 2 times when another man with a different voice and a smurk in his voice say ya ya and continued to tell me it would be availible tuesday and took a bite off an apple and started chewing while talking to me, i dont think i have every encountered behavior like this from a company or its employees. the only person who did try to help me was the woman i talked to in the emails who had done a good job until this last person, i choose this loan because on there web page it points out 2 very important things 1. a FLEX Loan gives you the ability to apply once and withdraw cash at any time ( up to your credit limit ). and 2.An Advance Financial FLEX Loan puts you in complete control. word for word. i am anything but in control and the agent that was eating an apple doring my problems and issues should not have a job, my goal in life is not to pay this loan off as fast as i possible can and consider it the worst choice in services i have ever made the mistake of choosing and only wish i could pay off today and not even ask for any more but am trapped as they tied up all my funds and avilible credit for over a week.XX/XX/XXXX i still do not have access to my credit limit.

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