Consumer complaint received 2024-02-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tower Loan of Mississippi, Inc. (MS)

Subject : Request for Reinvestigation and Monetary Relief - Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) Violations Re : Request for Reinvestigation and Monetary Relief - Tower Loan To Whom It May Concern, I am writing to bring to your attention a serious matter related to my consumer rights, which I believe Tower Loan has breached. I have previously submitted a complaint, but due to the persistent nature of the violations and the lack of resolution, I am now requesting a reinvestigation to address the ongoing issues and seek appropriate monetary relief. 

I have clearly communicated to Tower Loan employees the challenges I have faced, including a significant slowdown in work and family medical bills. Despite this, I have experienced continuous harassment, which is in direct violation of federal laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Summary of Violations : Harassment : Tower Loan, in violation of 15 U.S. Code 1692d, has engaged in conduct with the natural consequence of harassing, oppressing, and abusing me in connection with the collection of a debt. This includes phone calls, emails, voicemails, and texts at unusual times and the use of intimidating communication.

Communication Violations : Tower Loan has violated 15 U.S. Code 1692c by communicating with me at inconvenient times and places, as well as using personal cell phones for communication, which lacks meaningful disclosure of the caller 's identity.

False or Misleading Representations : Tower Loan has violated 15 U.S. Code 1692e by using false, deceptive, or misleading representations in connection with the collection of the debt. This includes misrepresentations regarding the character, amount, and legal status of the debt, as well as threats of legal action and false implications about the consequences of nonpayment. 

Furnishing Deceptive Forms : Tower Loan may have violated 15 U.S. Code 1692j by furnishing forms that create a false belief that a person other than the creditor is participating in the collection of the debt.

Legal Basis for Relief : I request monetary relief in the total amount of {$3500.00}, considering the emotional distress and violations suffered. Pursuant to the FDCPA and FCRA, I reserve the right to seek {$1000.00} per phone call and per violation if Tower Loan fails to remedy the damages. 

Cease and Desist : This letter serves as both a formal dispute and a request to cease and desist any and all collection activities. Any further collection attempts will be considered a violation of my rights.

Credit Reporting and Legal Action : I remind Tower Loan of its obligations under the Fair Credit Reporting Act. If any inaccurate information is reported to the credit bureaus, I will pursue legal action for violations of the FCRA, FDCPA, and defamation of character.

No Telephone Contact : I request that all future communications be in writing and sent to the address provided. Any telephone communication will be considered harassment, and I will take legal action accordingly.

Removal of Information : I demand the immediate deletion and complete removal of any references to this account from my credit report. A copy of the deletion request sent to XXXX, XXXX, and XXXX should be provided to me promptly. 

I appreciate your attention to this matter and anticipate a thorough reinvestigation. Your assistance in resolving these violations promptly is crucial. 

Sincerely,