Consumer complaint received 2025-08-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
b'My name is XXXX XXXX. I would like to report a case of harassment by a lender called Tower Loan located at XXXX XXXX XXXX XXXX XXXX  took out a loan from Tower Loan on XXXX XXXX and I have been making payments every month until XXXX XXXX XXXX since then Tower loan has been harassing me with excessive phone calls and threats .\nTower Loan calls me XXXX  times a day every day , see below the dates and time they have been calling me even after I repeatedly told them that I am working on paying them, I even made a partial payment of $160.00. Tower loan went ahead to violate my privacy by calling my the phone numbers of my family and friends that they collected during loan application as reference to inform them that I have a loan with them that has not been paid. This was really embarrassing and exposed my financial status. Tower loan knows how to reach me and has all my information such as mobile phone number, mailing address , personal email but they never mailed or emailed me anything but went ahead and called all my friends and family within 5 days after I had spoken to them on the phone on July 2nd 2025 informing them that I will be away for a couple of week and would follow up once I am back, but they started calling my family and friends on July 10th, they also send them text messages regarding my loan status, I have evidence of this.\n\nThe Legal Foundation: Fair Debt Collection Practices Act (FDCPA):\nThe primary legal safeguard against loan harassment in the United States is the Fair Debt Collection Practices Act (FDCPA). Enacted in 1977, the FDCPA aims to eliminate abusive debt collection practices and ensure fair treatment of consumers.\n\nKey provisions of the FDCPA include:\n\n1. Prohibition of Harassment or Abuse:\nThe FDCPA prohibits debt collectors from engaging in any conduct meant to harass, oppress, or abuse consumers. This includes threats of violence, the use of obscene language, and repeated phone calls with the intent to annoy.\n\nBelow are the dates and number of times per day Tower Loan has been harassing me with calls and threats XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these call dates were extracted from my call log and voicemails. Tower loan has no regard for weekends or Sundays being non working days and religious day.\n1.I want Tower Loan to desist from excessive calls regarding my loan which has caused me anxiety and health issues\n2. I want Tower Loan to cease and desist from contacting my family and friends about the loan I have with them, this is violation of my privacy \n\n3. Depending on the outcome of this report, I would be pressing civil charges due to this violations and I understand that I have to hire an attorney .'

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