Consumer complaint received 2025-08-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
I have had 3 loans over XXXX years with Tower Loans of XXXX, Mo. The one on XXXX XXXX. I was rarely late with my payments and had a good repor with them. I should have never done this a third time. These past 2 years have been hard on us, in particular this past year. I had been late on my payments, but always tried to catch them up. Twice these past 6months I have had to tell them to quit calling people that are not on my reference list. These people that are not on my reference list that they are calling, they are getting their names off XXXX as possibly known contacts. Some of those people they contacted, we have no contact with for personal reasons and this caused a huge problem for us. During this time, I was still had contact with Tower loans. They have since been harassing every one of my references ( who have now managed to block most of their numbers ). They are repeatedly violating the XXXX rule, contacting me or my references 2-3xs every day or every other day, AFTER I have already had contact with them for that week, telling them I have not been able to come up with money for a payment yet. BUT what crossed the line for me was on Friday, XX/XX/XXXX, I answered the call from Tower Loans on XXXX XXXX in XXXX MO. It was XXXX. I was cordial when I answered and told him I would talk with my husband to see what I could do in terms of a payment amount and give him a call right back. XXXX 's tone immediately became aggressive and threatening, informing me that he would " physically take out a lien on my property if I did not make a payment right now. '' He also stated " he would seize my bank accounts, put a freeze on them, and garnish my wages if I did not make the payment. '' Now I don't about how others feel about those comments, but for me that is a physical threat. When you are verbally threatening to take action physical action against me that there is NO JUDGEMENT order on, no papers served, no legal course of action awarded by XXXX XXXX yet, these are considered illegal threats, and to me you are physically threatening me. He was not just letting me know what he could do. He was TELLING me what HE was personally going to do me. And he did so very loudly and aggressively multiple times in that conversation. Two of our teenagers and my husband overheard to the conversation with him. He was not on speaker. They could actually hear him yelling through the phone informing me of what he was going to do. He also informed me that I COULD NOT hire an attorney to protect my rights when he was threatening all these courses of action HE was taking against me.

As a consumer with rights I will not tolerate being threatened with illegal actions ( these actions are illegal when there has been nothing served on me with legal action taken ). I do not mind being talked to about what actions may be taken against me. In a civil conversation this is fine. BUT you will not aggressively threaten me that " you physically are taking a lien out and seizing my accounts if I don't make a payment right now " when all I say is " Let me talk to my husband and I will see what I can do ''. Not acceptable!! And not good collection process. No one responds well to this. Upon talking to XXXX this morning, or should I say trying to talk to XXXX, she was rude, interrupting, and NOT allowing me to tell her what happened on Friday with XXXX. She would immediately start talking over me and tell me " she's not XXXX, she's XXXX '' to which I would state that I'm well aware of but I am telling her why what happened on Friday was unacceptable and violates my consumer rights. I was instructed that I don't have those rights and I need to make a payment. Upon my last sentence of saying AGAIN ( because she would never let me finish telling her what happened or how it happened ), " I will not tolerate XXXX threatening me that HE is physically seizing my accounts '' ... to which she immediately interrupted right after the word " physically " saying, " Really XXXX? You're saying he's physically threatening you now? I don't have to deal with you, I will see you in court ''. My response, " Do what you have to do. Have a good day ''. End of conversation. 
I am a consumer. I have rights. I will not tolerate being threatening, harassed, and talked to in a demeaning manner by XXXX, or any one else. I have not had a problem with XXXX prior to now. She was usually respectful. But I did tell her that XXXX is NOT allowed to have any contact with me. That is when she seemed to become aggitated. They are also not following the 777 rule when I have been in contact with them and they are harassing both me and my references. This needs to stop!

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