Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
CFPB COMPLAINT Product : Debt collection Company : Tower Loan of XXXX What happened? 
We are submitting this complaint regarding debt collection practices and continued non-compliant communications by Tower Loan XXXX XXXX. 
On XX/XX/year>, and again on XX/XX/year>, a representative of the company came to our residence and left unsealed and unsecured debt-related letters taped to our front door, where they were visible to third parties. Both letters clearly displayed our full account number, along with specific debt and payment information. 
The letters imposed short payment deadlines and threatened a lawsuit and liability for court costs and attorneys fees, despite no lawsuit being filed or served and no lawful service of process occurring. 
In addition to these door postings, the company has : Placed frequent telephone calls, including calls made before and during contractual grace periods when payment was not delinquent ; and Contacted third parties listed as references, including acquaintances, regarding this account. 
On XX/XX/year>, we mailed the company a formal written notice via Certified Mail ( Return Receipt Requested ) directing that : all in-person contact cease, and all future communications be made strictly in writing by U.S. Mail due to privacy and harassment concerns.

USPS records show the notice was received at approximately XXXX a.m. on XX/XX/year>. 
At XXXX a.m. on XX/XX/year>, we received a telephone call and voicemail from a company representative acknowledging receipt of our written notice and requesting that we call to discuss the account, despite our written-only communication directive. 
Later the same day, at approximately XXXX p.m. on XX/XX/year>, we received a text message from the company encouraging us to call to discuss payment and referencing the use of tax refunds to bring the account current. 
On XX/XX/year> at approximately XXXX a.m., we received another telephone call and voicemail stating that a company representative needs to talk to us. 
We received another call/voicemail on XX/XX/year> at XXXX am. XXXX is the name of the representative who is initiating these calls and voicemails. 
Each of these communications occurred after receipt and acknowledgment of our certified written notice and demonstrates a continued disregard of our written-only communication directive. 
We believe this conduct constitutes unfair, harassing, and deceptive practices, including improper disclosure of sensitive personal financial information, in violation of federal consumer protection standards. 
We have preserved photographic evidence of the door-posted letters, USPS delivery confirmation, call logs, voicemails, and text messages.

Desired Resolution We are requesting that the company cease all non-mail contact, comply with our written-only communication directive, and confirm in writing that all future communications will be made strictly by U.S. Mail XXXX We further request that the company cease contacting any third parties, including references, acquaintances, or employers, regarding this account, except as permitted by law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation