Tower Loan

8-8-21 came I was making weekly payments of a $100. Kept records of the payments to them. They called said I never made a payment and now I owe 3,500 to them. I asked, "Where is the money I paid y'all and have been taking out towards my loan." Neve gave me an answer. So so I said, "Y'all do know I have my bank records of the money being taken out to pay the loan off."

Harassing me daily… got to the point they came to my work. Made a scene at my job asking for me, demanding my employer to give them money, all it did was piss my employer off and let me go. So back to looking for another job.. I found out where the money was going. One of their workers was pocketing my money and say they never got it, Already at this time I have a lawsuit against them. About this 8-23-21 they called at 4:00 harassing me again and threatening me saying they are going to send the law, have me arrested, thrown in jail. This place is in Kennett Missouri. They are disgusting pe.

I have never been late on a single payment in any of my many credit cards and car loan, I caught covid and was out of work for more than a month, I told them this, do you think they cared? As soon as I was done telling them how I am just recovering from the disease and have been out of work, how I have a son with autism and have been paying for his many medicines insurance wont cover, they said (without missing a beat) "well you cashed this check, so you owe us this money, how much can you pay today." They asked if I could borrow money from a family member so I could pay them! Well, I take my credit seriously and I will pay them, but they definitely made it to last on my list. And to ANYONE THINKING OF USING THESE PREDATORS,...DON'T DO IT! Ride it out if at all possible because this company is the poster child for DISGRACEFUL, PREDATORY LENDING PRACTICES!!!!

Harrison Finance would allow to me walk in the door at my convenience, with my flood insurance check, and sign the back without question and send me on my way. And these were very sizable checks, up to $20,000. This office and its manager are despicable. Imagine, holding hostage a check I desperately needed for 4.5 years and they hold it hostage. Imagine their surprise when I pulled strings and got it done. They were livid. Year, they still have me on their junk mail list.???

I contacted the company immediately and spoke with the manager which was told to me they had to talk with someone in corporate and get back with me. I never received a call back so I kept contacting them. I figured out how to get in touch with someone at the corporate office and spoke with a gentleman there that stated he would take care of it. He responded it will take 30 days before the inquiry is removed.

In October 2018 I went on credit karma again and notice my score dropped again. Instead of them removing the inquiry they did another inquiry on my credit report. Now I have two inquiry on my report from them. I contacted Equifax and Transunion to report this and they both stated I need to contact tower loan company and they are the one that have to remove the inquiry/ I contacted tower loan company head corporation and spoke with a gentlemen and responded to him what Equifax/ Transunion stated, he then had someone from the Lee's Summit Mo branch office to contact me and have me to come in and sign a document that stated the inquiry were requested in error.

I mailed the document to Equifax/Transunion. They sent me a letter back stating they couldn't remove the inquiry. I contacted Equifax/Transunion and asked why the inquiry couldn't be removed. They stated they couldn't. Tower loan company has to remove it. They also responded that tower loan company knows the procedure and told me to tell them if they are having problems to contact them. Well once again I contacted the gentlemen from tower loan corporation and responded to him what was told to me. He became angry. Refused to remove the inquiries. Horrible customer service, dishonest, liars, they have no business etiquette whatsoever. This place needs to be closed down for good!

The next day she called again so I dropped everything and ran to sign papers. When I got there she sat down with me and started asking did I have a lawnmower, I said yes, she said, "What kind," I said a push mower, she listed that I had a zero turn, she ask about tools, I said I have a pair of pliers, screwdriver, hammer, just little little essential things a woman uses in a home. She listed tools at &100, socket set at $100, wrench set at $100. She ask about Tv, I told her I had a dinosaur tv because I don’t watch a lot of tv, she listed as flatscreen at $500, 2nd flat screen 65” at $500, she ask if I had a computer, I said I had a laptop my son gave me used about 8 years ago, she listed that at $300. She ask if I owned chainsaw, compressor, shed, I said no but she still put a price by all those things. Needless to say all this time I did not know she was putting value on things that were false.

She left to wait in a customers for about 20 minutes, I told her I was in a hurry and we could just cancel the loan. She came back and said, "No just let me print the loan for you to sign and _____ can't remember her name—-will give you your check." Needless to say she rushed through the signing of paperwork. Not once did she tell me she had put my prior loan with this one, nor she she said all the items she ask about was collateral until I ask her but still didn’t realize she listed stuff I don’t own.

After getting check a, the next day I pulled out loan papers, YEP she had combined loans (paid off previous). Had all kind of stuff listed as collateral but also charged me credit life ins for $215.88, property ins $404.12, Liberty Motor Club $120. I called and ask for supervisor, it says I have 30 days if I don’t want loan. Needless to say it’s been 10 days and I have not heard from a supervisor. Just a smartass manager. They are no working numbers for corporate office. Guess what, if they can’t work with me and redo my first check loan and take back their $1000 then they can eat this Loan. I own nothing and I draw Social Security so let them bring it. I have already spoke with an attorney. Please don’t do business with this company. They are misleading with loan disclosures and I feel infringement upon my rights. I was looking for an amicable resolution but they are not. So happy collecting Tower Loan.???