Tower Loan

I first got a loan through Tower Loan with a furniture store, then a few months later, I received a check in the mail from Tower Loan for $1,200.00 and all I had to do was cash it. Well I did and that was the worst mistake I have ever done and I have done some pretty stupid stuff. As time went on, we got behind and they said they could give us more money and that would catch us up. So we did a second mistake with Tower Loan. Of course, my husband's work has slowed down and we are having problems paying. For the last few months, Tower Loan has been calling and harassing us. I have been called a liar, accused of not really sending in payments and this month 4/12, I sent a payment for the furniture loan and they applied it to the big loan. On the money order, it clearly states furniture loan.

They were yelling at me because I did not send more. I tried to tell them you can't send more if you don't have it. Well that just sent them into a hissy fit. My daughter finally started recording them and I think they knew they were on speaker because his tone changed. Because of Tower Loan, a 23 year sobriety was lost. Now what do I do? I also informed him that they were evil. No other loan company has ever treated me the way he was and he said, "Well, we are more aggressive than those other companies" and he was not going to apologize for doing his job.

When we first applied for a loan in December 2011, in Hollandale, MS, 38748 at Tower Loan, the manager ** had an attitude when I first applied for the loan. I had to get ** told about her attitude and then she calmed down. Okay, today, 4/6/12, I came into the office to make a payment and once I made the payment I asked her what the payoff was. She had such a nasty attitude that I will never go into Tower Loan again.

In February, she told me the pay off $948.00 - if I am not mistaken - and today she tells me $1395.00. I called my mother Belinda and she called ** and my mother had to tell ** a few things. She told her that we needed them and they didn't need us. I told her to back up now. I told her if it wasn't for us she wouldn't have a job. I told her we could have gone somewhere else.

To sum it all up, people in Hollandale are complaining about her. If she doesn't change her attitude or you all don't get someone else there that knows how to talk to people and how to treat them, I am going to get a petition and go around and get so many people to sign it because she has attitude with the majority of the people that comes in there. If she doesn't want to be there, then go home. Her first priority, all to be, to know how to treat and talk to people. Please do something or else your business in Hollandale is going to go down and I am going to try hard to make it happen if things don't change. Please call me at ** or **.Thank you.

We took out a $2,000 loan in July 2006. Our payments were $159 a month for 24 months. We were having trouble some months making our payment so they suggested we come in and refinance the $1,200 we owed to get our payments down. I believe it was summer of 2008, we refinanced, our payments got down to $119 for 21 months every month.

I pay $120 prior to refinancing they turned us over to a collection company last May. I called them to see how much we still owed so we could get it paid off because it should have been 1-2 months and it should have been paid in full. Natasha told me she didn't know what we owed and that I had to call the collection office. I did and they told me we owed $1,799, yet they are charging up 54% interest.

Last year, in May, after I called to find out the balance due and I figured at that time, we had paid them over $8,800 and I was told we still owed almost $1,800 more. I called back Natasha and asked her what their computer showed my balance was and she said they showed we owed only a little over $365, we were told that since it was turned over to collections, the loan starts all over again.

It was turned over to Schwarzkopf Law Offices. So, for 6 years we've been paying approximately 5 times what we borrowed at this time and we still have a long way to go. My son's girlfriend went through the same thing. We both also received repeated calls from them about when we'd be in to make our payment when it wasn't due for 10-14 days. I would receive repeated calls while I was at work, which I got laid off from last April 7th. I feel they are taking advantage. We were given paperwork stating the payment, how long the loan was for and the amount that would be paid at the end of the loan and we were never told we'd be charged 54% or we would never had gotten the loan from them, they still have my car title after 6 years.

I was going to have major surgery in the summer of 2011. Tower Loan called and like a dummy, I took the bait to have cushion money to pay bills while I was off from work for 2 months. I told the woman what I was about to do and she told me to take out disability insurance and I would be covered for the two months that I would be off. Well guess what? I was denied the coverage, they rig it up to say I should have filed in March and took it out. The surgery wasn't until June! I had never been late with them in the whole time having them and I started to be behind. Every time I go in there, I ** and complain that they owe me two payment because your loan person was the one who messed up, not me. I wouldn't have taken it out if I would have known.

Tower Loan issued us a loan. Later, we increased it with the understanding that they would be combined (an outright lie). They gave us the new payment. Now, it's two payments. If you don't make it on the due date, they start calling 3-12 times a day. If it passes the grace period, they start calling your references, and telling them to tell you that your account is past due. What a poor quality company.

I took a loan, and I was told, I was good for more money. I called the office, and talked to a woman for 1 hour, and she told us we were good, and the loan would decrease in payments each month. I went to the office, and talked to a man, who turned everything talked about in the phone conversation, an outright lie!

Not only was the loan no good for the amount told, he went way up on the interest, and on a very small amount added to the loan already made, was going to pay that loan off, and go up on the total interest, from 28 percent to 31 percent for the total loan! Omg, what a rip off to the public who don't know any better! When I returned a call to discuss what had happened. the man was rude, and tried to treat me like I was the one who did something wrong! Bad business Bossier City, LA.

I will pay whatever mistake I have made, and mark it up as a lesson learned, and not ever use this company ever again. In fact, I will work to get it paid off as early as possible, so they make even less interest from the existing loan!

Tower Loan loaned me about $1000. I ended up paying $5000 back. That is not right. God is looking down on Tower Loan companies. The people need good loan companies. I hope I never went to Tower Loan again, sorry for the people who do.

I have loans with you for 3 to 4 years. This is the first time the Pearl, MS branch has called me the day my note is due. But I thought I have 15 or 10 days left before it's late. Then, they wanted to know what time I will be there. I have never been late and never will be. But soon I pay you off $500.00 left, I will never borrow money again from Tower Loan.

Reliable Finance charged me $99 for a motor club membership with Continental Motor Club last year when I got a loan. I discovered it six months later when I was renewing this loan when they tried to charge me a second time for the same motor club.

I have been calling for the past four-five months trying to get my money refunded, talking to the manager Wynette and her very rude and nasty manager by the name of Scott.

I want my money returned.

I continue to get mailings from you. You have taken my name from a credit agency without permission from me. The credit bureau you used has my first and middle name backwards; and that is how I know you received my name without permission from me. Do not send any more mailings, and do not check my credit score.You have no business in doing this, ever. AB **

I have been dealing with this company for years and yes, they do call if you are behind. But if you are not a deadbeat and pay your bills and fulfill your obligations (which you had to go to their office and agree to meet), they will not bother you. They do not come beg you to take their money; you go there and now you feel that there is no reason to pay back your debts. This is the problem with society now, it is too easy to run from your problems and not take responsibility.

This company calls my phone and work phone several times a day. They've even shown up at my house. I cannot get voice mails because they consistently fill my inbox up all the time. They will not provide me with information pertaining to my loan. I've asked them for statements showing me my payoff balance, interest accrued, and my recent payments reflected in the balance without any success. They took me to court over the matter. I wasn't available for court that day, so they automatically won the case. That added an additional $1,000.00 to my loan so they say, but no paperwork they provide me shows this figure. I'm an honest guy and I've never been delinquent on any loans prior to this company.

They can't and won't tell me how delinquent I was when they decided to pursue legal action against me. I would have clearly paid them the past due balance rather than being forced to sign a judgment against myself. When I ask them for any information about my loan, they say I need to contact their lawyer. I've contacted their lawyer and he's provided me with a statement of a figure of around $1,900.00 from the start him taking over the loan. I've made $1,200 in payments since February and he states that I still owe $1,400 on my loan.

Interest is only $30.00/month and I'm no genius, but this isn't adding up. I dated the girl that gave me the loan at the time and I feel that a huge conflict of interest is in order, here. She's manipulating my payments and finances with this company. They refuse to answer any of my questions and will not work with me to provide any payoff information. All they will provide me is a list of my recent payments, but none of this has my balance or what my payments are doing to lower my payoff.

I'm being cheated. I have a lot of paper work from this company giving me everything but what I'm asking for. I know that if my file was audited and payments calculated, I will have paid my loan plus extra. I'm not asking for much, but a monthly statement showing how I'm doing doesn't seem out of the ordinary to ask of a loan company. My work will back me up on their harassing phone calls. I have witnesses that have been at my house when they've shown up.

I have received letters from other lawyers pursuing this company for wrongful debt collection practices. I have made every payment on time since February and I'm still harassed by this company. I want to go after them myself and provide them the justice they deserve for doing harmful things to good people.

On Monday, July 12, 2010 Mike delivered a letter to my house during the day hours and nobody was home at the time he delivered. My back patio door was not locked and he opened the door and placed the letter on my kitchen table. I placed a call to the manager of Tower Loans (Larry) and told him that if this happens again, I will prosecute. Someone needs to put a stop to the way this loan company is doing business. They call me on my job all the time and act very rude when I tell them they are not to call me at work.

I received another call today from Reggie at Tower Loans. He was very nice and explained that a payment is needed by the 15th. I asked who the man was that contacted me yesterday and he states there is nothing in my chart that anyone contacted me. I asked who the manager is and he states his name is Larry. Larry is the one that contacted me yesterday, June 10, 2010, with threats of coming to take the vehicles on the loan. There is no vehicle on this loan. I tried to explain to him that my husband is not working at this time and we will get a payment to them as soon as we can. Reggie states that on June 13th we will be 3 months behind but states a payment was made in April 2010. I still do not understand their calculations of counting. Please someone have them to stop calling and harassing me at work before I lose my job and then we surely cannot make a payment. I am only paid at the first of the month. Thank you.

I have been receiving threatening phone calls from the Tower Loans out of Batesville, stating that I am 3 months behind but they received last payment in April, 2010. This is only June and that would be 2 months behind, unless this company uses a different math skill. My husband has been laid off and I am the only one in the household working at this time. My husband will return to work full time on June 21, 2010, but whenever I ask them to please not to call my place of employment, these people get very agitated with me.

I am sorry that I cannot afford my own phone but they can reach me by mail. But I was told that they were coming to get the vehicles listed on loan (which there are no vehicles on loan) but also they are going to garnish my wages. I will be taking names from now on and will continue to complain when they threaten me. We will make a payment before July 2010 but the threats need to stop and stop harassing me at my work place.

Back on May 2nd they called my home 2 times. Once at 9:03 am and left a message; then again at 11:43 and left a message. My husband who has been a financial officer and a collector for 18 years called them. They refused to speak to him saying his name is not on the account. I gave permission back in January 2010 for them to talk to him only regarding. At that time I also told them no solicited calls. On May 24th I received not one but two letters in the mail from them. One stating, "Account past due, call immediately." The other said, "Pay or get a law suit filed against you and pay for attorney fees also." Mind you both letters were dated May 20th. My husband called them and spoke to Zak at 10:30 am on the 25th and was told they did nothing illegal and she will pay or get sued. Per FDCPA all the above is illegal and he filed a complaint with Fair Trade Commission. We are still waiting to hear from FTC. We have all documentations and wish someone would sue them.

I took out a small loan to buy my children Christmas because my husband and I were both in school. The loan was $1,000. I was late on my payment one time and they called me at least three times a day, if not more. They also started telling me that they were going to come get my appliances that I listed on my application.

Ryan ** actually drove to my house and since we had a gated driveway, he actually parked his truck and walked all the way up to my house in the sweltering heat and nearly beat my door down while I was taking a nap (because I was pregnant and sick). First of all, is it not illegal that he didn't even do a credit check on me? Second of all, I checked my credit report and they have not once updated any of my payments that I made on the account. These people are crazy and deal with collections totally the wrong way. They are rude and deceitful.

Their manager, Ben, showed up at my home on 4/12/10 demanding I make a payment on a loan he alleges I have. Ben would not leave initially, and he only left after I informed him I was calling the Quincy, Illinois Police Department. Ben or his secretary at Tower Loan calls my phone number repeatedly and leave messages that have taken over my voicemail.

I receive calls anywhere from 2 to 10 or so times a day. I have asked Ben to stop phoning me, but he ignores my request and the phone calls have increased in frequency. I have asked Ben to communicate via U.S. Mail if he alleges I owe Tower Loan. Communication via U.S. Mail seems to be the most professional and safe method of dealing with this issue. Ben has ignored all my request. Ben informed me that he can do as he pleases and that he can show up at my home, etc. I have contacted both the Quincy, Illinois and Hannibal, Missouri Police Departments regarding Ben and his tactics.

First she sends me a nasty notice for.30. I go into to pay it and tell her that I do not appreciate it. 30 she could just have added to next months account. At the time I was going thru some difficult times at home. I was barely remembering to pay the bills. She made it seem as though I was trying to cheat her out of a lousy thirty cents. She did not act prfessionally at all and I told her so.She was rude and nasty to me.

After i paid my loan off she kept calling me to renew it.

i felt that she owed me an opologize which I never recieved. I then tried to renew my loan and she refused.I always paid them off. I feel like she allows her personal feelings to interfer in her judgement. I went to another loan company which treated me better and thanked me for being a loyal customer. I feel she lost her company money due to her bad attitude. She also cost her company a good customer. I'd like her boss to knew tese facts.