Consumer complaint received 2019-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
XX/XX/2019 I am writing to file a complaint regarding violations of the FDCPA by Tower Loan, XXXX XXXX XXXX, XXXX XXXX, XXXX, La. XXXX towards my rights by committing the following acts : 1. Tower Loan has repeatedly publicized my debt by calling my job, multiple times daily, even when I have spoken to them on my work landline and verbalize for them not to call my job, we can not have personal phone calls. I have even answered, spoke with tower Loan and hung up on the person after saying I cant talk Im at work and they would call back immediately ( XXXX XXXX ). 
Tower Loan employees call my job so much until the receptionist would get upset and tell them Im busy, then notify me verbally they called again.

2. Tower Loan employees have repeatedly publicized my debt to family and friends by calling them stating I need to call Tower Loan.

3. You can see in one of the emails from the receptionist Tower Loan revealed themselves as a debt collector. ( XXXX ) 4. You can see on XX/XX/2019 I received back to back phone calls from Tower Loan- HARASSEMENT. 
5. On XX/XX/2019, the lady in the white car, as shown in the attachments, shows up to my home hand delivered a letter to my husband for me, with the words FINAL NOTICE!!! Written on the envelope in Red.

6. On XX/XX/2019, after multiple back to back phone calls, an employee of tower Loan came to my house as recorded on my home monitoring system, beating on my front door for over a minute, until I finally answered the side door. I recorded him and our conversation on my cell letting him know I was recording him, he would not leave even after I asked him to leave my home. 
When I closed my door to lock it, he begin beating on my glass door very hard.

I call 911.

I opened the door and informed him I had called the police. 
As shown on screenshots from home monitoring system he left at XXXX only to return back in my driveway at XXXX, staying until XXXX. 
Then another employee, XXXX, shows up at my house at XXXX, see attached screenshot. Finally the sheriff arrived at XXXX, after hearing my complaint and asking Tower Loan employees to leave my home, sheriff walks behind him getting him to leave at XXXX. 
The sheriff stayed until XXXX I have been harassed repeatedly by Tower Loan employees. 

My last payment was on XX/XX/19 for {$140.00}. 
I got behind because of State tax garnishment. 
When I called to make a payment XX/XX/2019 XXXX said XXXX is off and I cant accept your payment because he added court cost. 
Thats the second time I was threatened about court and garnishment by tower Loan.

I have video recordings of conversations with both employees who showed up uninvited and unwelcome to my home XX/XX/2019 which are too large to attach. 
My rights have been violated. I want compensation.

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