Consumer complaint received 2025-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC
State: FL

Complaint narrative:
In XX/XX/year>, I applied for a personal line of credit with XXXX and specifically requested a monthly payment schedule. I made my first payment on XX/XX/year>, and immediately noticed my account had been incorrectly set to a biweekly payment schedule. 

I contacted XXXX the same day ( XX/XX/XXXX ) and continued to follow up persistently over the following weeks. I spoke with multiple agents and supervisors, all of whom assured me that the issue was on their end, that I had been approved for monthly payments, and that everything was being processed properly. I also submitted my pay statements and check stubs, which reflect a monthly income consistent with both my application and my eligibility for monthly payments. 

On XX/XX/year>, at XXXX XXXX  ( XXXX call ) and again on XX/XX/year> ( XXXX XXXX  for XXXX minutes and XXXX XXXX  for XXXX minutes ), I was told by multiple agents, including a supervisor, that everything checked out and had been approved. Yet, I was still told I would be forced to continue paying biweekly, even though XXXX acknowledged it was their error. 

Then, on XX/XX/year>, at XXXX XXXX  ( XXXX call ), an agent claimed there were no notes on the account and that my submitted documents were never sent over directly contradicting what I had been told for weeks. She escalated me to a supervisor and then tried to blame me, asking Why didnt you call sooner? when in fact I had started the process on XX/XX/XXXX and submitted everything promptly. I have email timestamps and documentation to prove it. 

Later that day, on XX/XX/XXXX at XXXX XXXX  ( XXXX call ), I spoke to a supervisor who acknowledged I had been run in circles. She admitted XXXX system automatically defaults self-employed customers to biweekly payments, and told me she escalated the issue to the highest level. She also knew by this point that I was seriously considering legal action due to the poor handling of my case. 

Then, on XX/XX/year> ( XXXX call ), I spoke with the same supervisor from the XXXX who told me that while my account could now be changed to monthly going forward, I would still be required to pay biweekly due to system limitations. She also told me that the company could not correct the negative credit reporting, even though they admitted the fault was on their end. To make things worse, she falsely claimed that I selected weekly payments on my application, despite the fact that I had already provided pay statements clearly showing a monthly pay cycle. 

She then asked me how much I could pay that day, shifting focus away from the real issue. When I was understandably upset after weeks of being misled, she said something like, Weve built great rapport and now youre suddenly upset? completely minimizing the emotional stress and financial harm I had endured. 

Throughout this process, I did everything right : I followed instructions, submitted documentation, confirmed eligibility, and followed up consistently. In return, I was given contradictory information, falsely blamed, denied timely resolution, and told I would still be reported as late and delinquent even though XXXX admitted it was their error. 


I am requesting : Immediate correction of my payment schedule to monthly Full removal of all negative or delinquent credit reporting tied to this error A formal written explanation of why I was mislabeled, misled, and blamed despite having full documentation and cooperation I have emails, screenshots, call logs, agent statements, and financial documents to support everything stated here.

Company response to consumer: Closed with explanation