Consumer complaint received 2025-09-10 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: LA

Complaint narrative:
Complaint against Tower Loan for garnishing my wages for way more than they should have and refusing to stop the garnishment after I proved to them, I have paid more than I owe them. 
A judgement was granted against me in XXXX of XXXX to pay Tower Loan of XXXX ( " Tower '' ). In the amounts stated in the judgement on page 2 ( 1st attachment ). Then Towers attorney got an order signed by the XXXX XXXX judge on XXXX to garnish my wages in the amounts stated on page XXXX ( XXXX attachment ). This is ridiculous amounts and the reason the judge signed the judgement and orders was because I was not in court to defend myself and contest these ridiculous numbers! I was not in court because I was never served any papers ( like the XXXX of Compliance XXXX XXXX, lied and said I was. This is another complaint I will address after I finish this one for refusing to stop wrongfully taking my money and reimbursing me for overpaying. 
XXXX attachment highlighted in green on page XXXX, I was ordered to pay the amount of {$21000.00} This was for a principal amount highlighted in yellow of $ XXXX my wages were garnished and I paid it. Note : Highlighted in blue, this total included interest of {$10000.00}. And this was from XXXX through XXXX. Meaning that if I paid the XXXX all the way through XXXX this is as much as it would have cost me As of XXXX Tower loan has garnished my wages for the total amount of {$23000.00} XXXX attachment is my pay stub for my last check of XXXX proving I paid XXXX attachment if my last pay stub I received on XXXX showing my wages have been garnished in the amount of XXXX so far this year for a total of XXXX. 

First of all, I could never have paid the full amount of XXXX because that had interest allocated all the way till XXXX. I have paid way more than the worst-case scenario and there is still a year left. So that interest is not owed. 

On XX/XX/XXXX I got a balance from Tower Attorney of XXXX. This included interest of XXXX And all the other numbers as well highlighted in yellow on page XXXX of the XXXX attachment ( email with TOWER attorney ) On XX/XX/XXXX Page XXXX of the XXXX attachment highlighted in blue I got another balance of XXXX That is almost XXXX more than the last balance and I have been paying on the account since XXXX at this time. This can not be legal and is wrong. 
I called the attorney for Tower several times and even stated my claim in the attached email. I called the sherrifs office and spoke to a really nice lady named XXXX. She confirmed they was garnishing my wages and sending them to Tower attorney at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I alled the attorney again and got the lady on the phone at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and she said no payment received. I had the lady on the phone on XXXX way and she told TOWER loan attorneys she better check again. After several emails back and forth XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me an email saying they found {$15000.00}. Then she deducted that from the total she sent me and titled it payed in. I told the attorney in the email you can not do that like that. You have to credit me at the time the money was taken out my check becouse that would have brought the principle down with every payment and I would not have owed the interest on it. She emailed me and told me no. I attached the email The XXXX XXXX is here. And it even gets XXXX XX/XX/XXXX she sent me a balance that included interest of XXXX. Keep in mind that this total was based of the fact that I had not paid them XXXX dollar and I proved otherwise. 
Then on XX/XX/XXXX Pages XXXX of the XXXX attachment highlighted in orange she sends me a new balance of XXXX for the total and says I paid in XXXX. This number is not right but the sherifs office told me she was a few numbers behind so that is understandable. The problem is on this balance now she says I owed XXXX in interest. This is crazy. 
On XXXX I owed XXXX in interest. Then on XX/XX/XXXX I owe XXXX in interest It went up after she credited my account for the XXXX they lost. This is not even close to right. Had I got the credit I deserved when the money was taken out my checks every week it would not be close to XXXX in interest. And look at the response. Her Response The interest rates are different because the account accrues interest daily until paid in full XXXX in green on page XXXX of the XXXX attachment. And I so understand this and I should have been credited for the payments I was making and there would not have been daily interest on that principle bc that was principle paid down. 

To sum this up, I borrowed money and paid it back XXXX fold. I didnt pay the loan because I lost my job. I have struggled to hold on and I am about to lose my house. I need the garnishment stopped bc I have paid way more than I owe. This garnishment never would have happened in the first place had I got a chance to go to court and defend myself. 
Tower Loan XXXX XXXX XXXX lied and said I was personally served papers. And I will prove that soon enough. I just must catch up fiXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and every day is a struggle because of this. Tower Loan is wrong for dragging me through this. Those people put a lot of inflated numbers and misinformation because they knew I would not come to court to defend myself. 
And I can prove that. XXXX highlighted in yellow on page XXXX of the first attachment. It has my name, and it has an address as well. This address is XXXX XXXX XXXX XXXX, XXXX XXXX LA, XXXX. This address does not exist and never did. This same address is on all the court paperwork. I was never served any paperwork for Tower loan and anybody associated in my life. And that address does not exist so I could never have been at that address to receive paperwork. XXXX the address there is not XXXX. They have no signature from me for a court date, and they are wrong about this. That is why they added interest for XXXX and got judge to sign it in XXXX bc they knew I would not show up. I was never served! 
And before I send this, I just received another pay stub and was garnished another XXXX for a total of XXXX so far from tower Loan I had the attachments separated but had to compile them I marked them at the top highlighted what attachment they were

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