Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
XX/XX/year> ( XXXX XXXX XXXX ) : I sent an initial formal " Request for Formal Hardship Agreement/ Extended Payment Plan '' ' to Advance Financial ( XXXX ) .I requested a closed-account structure to pay a fixed {$500.00} per month starting XX/XX/year>, to amortize the {$6500.00} principal balance with all daily interest frozen. In this email, I explicitly revoked ACH/debit authorization and formally revoked telephone consent, stating all future communications must be via mail or email XX/XX/year> ( XXXX XXXX XXXX ) : Because front- line customer care failed to address my morning proposal, I sent a second, targeted email titled " FORMAL DISPUTE and HARDSHIP ESCALATION '' directly to the Management and Compliance Team. I explicitly noted that front- line care had failed to acknowledge my terms, demanded the file be immediately forwarded to a supervisor, and re-emphasized : " require all future communication regarding this matter to remain strictly in writing for record-keeping purposes. '' XX/XX/year> ( XXXX XXXX XXXX ) : After receiving no written response but continuing to face automated or manual telephone contact attempts, I sent a third email as a formal written follow-up to the Management and Compliance Team XXXX I explicitly stated that their ongoing phone calls after receiving my written restrictions constituted consumer harassment and unfair business practices. I again laid out my structured XXXX XXXXXXXX repayment terms with frozen daily interest and ordered them to cease and desist all telephone calls. XXXX XXXX ( XXXX XXXX XXXX ) : After ignoring my communications for a week, Customer Experience Representative " XXXX '' sent an email offering a settlement of {$3900.00} to be paid in full within XXXX days. Her email explicitly instructed me to call their Customer Care Team XXXX ) to accept, completely abandoning my three prior written-only communication restrictions XX/XX/year> ( XXXX XXXX XXXX ) : XXXX minutes later, I replied directly to XXXX 's XXXX. I explained that due to severe financial hardship, I could not afford that lump-sum amount within XXXX davs. I re-offered my alternative structured installment plan of {$500.00} per month and reiterated : " To ensure accurate record-keeping, I must reiterate that/ require all communication regarding this matter via email. '' XX/XX/year> ( XXXX ) : Advance Financial willfully bypassed my written instructions, ignoring four separate notices sent across XX/XX/XXXX and XX/XX/XXXX, and placed multiple collection telephone calls to my phone number ( XXXX XXXX ) to circumvent keeping a written record. XX/XX/year> ( XXXX XXXX XXXX ) : XXXX sent a follow-up email. Rather than addressing my written payment plan or honoring my communication restrictions, she flatly directed me to phone lines : " In order to assist vou, please contact our Customer Care Team at XXXX XXXX. '' XX/XX/year> ( XXXX XXXX XXXX ) : XXXX replied with a " Formal Written Agreement Required/ Regulatory Notice. '' ' I explicitly cited the FDCPA ( 15 U.S.C. 1692c ) and Tennessee Comp. R. & Regs. 0320-05-.03, stating that phone contact is highly inconvenient. I set a strict close-of- business deadline for a signed, written account modification, stating my XX/XX/XXXX payment of {$500.00} would remain withheld and formal regulatory complaints would be filed if they refused. XX/XX/year> ( XXXX XXXX XXXX ) : XXXX responded via email. She flatly stated : " We are unable to provide or confirm modified repayment terms through email correspondence. " Furthermore, she explicitly admitted in writing to their non-compliance, writing : " We have also previously made phone call attempts to further discuss vour situation.... however, we were unsuccessful in reaching you. " She again insisted I call their phone line. XX/XX/year> ( XXXX XXXX XXXX ) : I sent my final email response confirming that because they flatly refuse to communicate in writing, ignore my explicit telephone restrictions, and admit to making phone calls after being notified of inconvenience, I am moving forward with formal regulatory escalation.

Company response to consumer: Closed with explanation