Consumer complaint received 2022-02-10
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company in violation is Tower Loan. They have been calling me excessively daily for the last 2-3 months I explained my financial situation to them being that I was displaced from work in XX/XX/XXXX due to Covid. I was receiving unemployment which is what I was using to pay the debt back until it was halted. I explained to them countless times that I have no help with this all I can do is pay once I get my taxes. The Balance on the account is around {$400.00}. Even after I explained this to a rep and a manager they tell me that the account would go into legal status and theyll garnish my paycheck. I explained Im currently not working so there is nothing that can be garnished therefore its an idle threat. Then I was told that it would be in legal status that following Monday. I explained with me not currently having any funds theres nothing I can do about that at the moment. Then after that Ive still been getting calls daily sometimes more than 3 a day from ( XXXX ) XXXX. They have called my moms house repeatedly as well at ( XXXX ) XXXX. She told them that I no longer live there and to remove her number and they called right back on XX/XX/XXXX. They also approached her at her home to deliver a bill for me back in XXXX. Which was very unusual and disturbing. Then I receive a call XX/XX/XXXX from them and spoke with a XXXX. He went over the account saying that he understands that Im not currently employed from the notes and asks about unemployment. Again I explained that Im not currently receiving that due to them being backlogged for appeals and still havent heard back. I explained the best I can do is pay it when I got my taxes. He says that they cant wait that long and need a payment now otherwise would be garnished and sued explained that they cant garnish me because Im not currently working. I also explained that I was told that this would have been going into legal status back around XX/XX/XXXX so should already be that. And asked that they stop calling me because I literally cant make the payment until I can. And to do what they need to do, then disconnected the call. XXXX  calls right back saying that they dont have to stop calling me because I have a loan with them. Which was a mailed solicitation by the way. I explained my rights as a consumer and told him that I will be filing a complaint with the CFPB. He tells me that Im wrong and there are no such laws. They dont have to stop calling or threatening garnishment or lawsuits. Explained that the law prohibits calling to make idle threats such as those in order to provoke a payment being made. He asked who told me that. And I explained that when I worked in loan servicing we had to learn both state and federal laws surrounding this and explained that I will be filing this complaint for non compliance. Again he said that those things are not true. Then I told him that I will be disconnecting the call and filing this complaint immediately. Will keep record of any calls from them after the conversation today. The file attached is my last payment to them which was in XXXX.

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