Tower Loan

I feel the need to state the truth about my experience at the Columbia Missouri Tower Loan location. After leaving a review of how I was called derogatory names and cursed by a loan officer at Tower Loan because I changed my mind about getting a loan. Due to high interest I decided to borrow money from family to fix my car instead due to the fact that I already had an existing furniture loan with them so I didn’t want to put myself in debt. 30 minutes after I took out the personal loan I went back to the office to cancel, the loan officer stated I owed 80 dollars for a processing fee. I read to him where it stated I have 30 days to change my mind without charges and I called another location to verify and they stated the same thing.

The Tower Loan office in Daphne Alabama was formerly Harrison Loan before it was purchased by Tower Loan three months ago. I have had a loan with Harrison for nearly 3 years and always made my payment on the first of each month, never late. The first payment was due with Tower on April 2. I called in and was told that I had a late charge of $48. I told them that was impossible, and I was told that there was a glitch in the merger of the databases so they would have to send an email to HQ to get this fixed.

They called my wife’s number asking for me. She asked “who is this?” The answer “business office”. She asked, "What business office." They said “I can’t tell you, only your husband." I called back, could not understand a single word this girl said. Finally my wife called them back after three times asking her, she admitted that this was Tower Loan. Must be really ashamed working there. Collins, MS office. Call them it’s funny, if you can understand her, you’ll see she is ashamed to work there.

Yes I am a bit behind on my payments but Daniel in Springfield MO is the rudest person I've ever encountered. I am always in contact with them about my situation but they just don't care. They are confrontational and they like to threaten. Do not go to them for money. Do yourself a favor and run the other way. I owe them 318 and will be so glad when I am done.

**DO NOT DO THIS TO YOURSELF** Unfortunately they bought out my loan account. They hung up on me because I do not believe that they are legit. They are ready to argue here and obviously love confrontation and putting on a show/causing a spectacle. We spent too much time on the phone for the last thing he said to be the most helpful. How can you ask people for money before you’ve got your own stuff together? DISRESPECTFUL, UNPROFESSIONAL, UNTRAINED, DISCOURTEOUS. Where is this buyout letter? Where is my receipt for my last payment? Where is my next bill? Why am I supposed to be mailing my payment to a P.O. Box? **I would give 0 stars if I could.**

I received a check in the mail not to mention this will be my third time cashing a loan check from them and I always paid it off. This time I lost my job so I couldn't make the monthly payments anymore and I was getting harassed and they called me daily 3 times a day. This time it was a person that called me from a personal cell number 3 times and sent me a text saying this: “You know you owe us some money from that loan you took out. You need to call me asap or I'm going to the police with this”, also another text: “Don't play with me. I have people in high places.” NO company should be doing this to people. This was more than harassment They threaten me. The interest rate is extremely high and they was trying to take me to court but I paid them back. 2900 is how much I owed them. These people are rude, unprofessional, and I hope Tower Loan go out of business.

I received a check in the mail from this company for 900 dollars. (A loan). I cashed it and thought I would pay it back fast. They called saying If I came into the office I could Borrow Another 500. Needing money I went to their office where they told me I needed to purchase insurance on the loan. Having never had a loan before this I signed the forms AND WAS SHOCKED when I received the amount due which was over 3500 dollars. I made some payments then started getting very very rude phone calls. Now I am being garnished for 4600 dollars.

I asked to borrow $300 and they told me I had to borrow $600. That $600 loan turned out to be over $1,300... when I made my first payment, they told me I could get $500 more... I did and they paid the first loan off with a little over $700. That $1,200 turned into $2,600 @ $100/26 months. When I felt that I had paid them a justified amount of over $1,800, I told them I wasn't paying anymore. They took me to court and the judge asked Tower Loan why we're wasting his time and mine because I was on Social Security Disability and my money could not be touched. They reported me as a charge-off and is due to fall off my credit report next year.

Very unprofessional and rude. They constantly call me instead of sending a past due notice in the mail. They printed out all of my information, address, phone number, account number, place of employment, last 4 of my social, etc., and posted it on my screen door for the public to see. It wasn't in an envelope nor was it folded. I spoke with the branch manager and told him that I was coming in with my payment. He still threatened to sue me. He told me that he will take all of my money, even my children's money. He said that he will make my life miserable. I told him that I will pay my loan off if he took me to court, and he told me that I have to pay 2000 for his attorney fees.

Am disabled. These people are so rude and annoying. They are threatening to sue and say I'm behind. I set up a payment they say I paid partial payment not what they told me. Please don't use these crooks.

Terrible. This guy (Dothan Alabama manager) calls 2 days after payment is due. I spoke to lady in office and told a date I would be in cause I was out of town. She said, "No problem." He calls back and says if I don't pay by 15th he will report to credit reporting agency. Remember it's only due 10 days ago which by law can't report less than 30 days then he said he will garnish or sue me again after I'm 10 days due again. Made a direct threat which is against the law. Do not use them!!! Terrible company to deal with.

My experience is harassment! I have no idea what dealings with a loan shark are but I believe a loan with this group is one step above a loan shark. The loan finance companies should be looked into more closely. One day late on payment they will harass you!!

I been out of the country for 6 months and when I came back they send me a letter and called found out that they sent me a check and said I cashed it? Now I owe 1400? Someone cashed the check or they lied. Will report it to police and get me a lawyer. They can’t just file credit reports for someone who did not cashed their check! They should be the one to report it to the police and find out who cashed it! Why would they even send me a check in which I do not need or applied loan for??!

When they tell you over and over if you make payments you are interest free but they charge anyway. Do not ever pay online. Everyone should report to your state banking commission. We could stop it and file class action suit but it takes a lot of complaints.

Tower Loan is nothing but a bunch of crooks. They charge outrageous interest rates and do not post your payments every time. They call you a few days after you make a payment saying you need to make another right then. They put huge unnecessary insurance on your account that you do not need. They are rude! And somehow your balance goes up constantly instead of going down when you make payments. I would never recommend them and will never use them again!

Ripped off by TOWER LOAN OF MORGAN CITY LA. Angry and disappointed. There are no words to explain Tower Loan. They are a ripoff. They lie, cheat and steal your hard earned money. They won't even help you when you're trying to help yourself get out of debt by consolidating your bills. I DID so and I would be paying them over 50 percent of the bill. My bill is 117.00 and the company I went thru to cure my debt was sending them 88.00. Leaving a total of 29.00. That's half the bill. They told me by their supervisor Austin ** that if I signed for the 117 payment then they want their whole amount. This company is a fraud and a fake. They call you when you make a full payment to ask if you need money. But they also call you if your 5.00 dollars behind also. They are not true. They lie. They make your credit report bad. They are cruel and unworthy as a loan company. Please whatever you do when in need for money do not go to Tower Loan. They are a bad seed. The company is awful.

Tower Loan in Jasper, Alabama. Paid off the loan before the first payment was due and ask the "NICE" lady on the phone if I could send the payment in through the mail... she responded with "Absolutely" and she would close the account. She did not close the account and I have been charged interest fees everyday for over a month without my knowledge... I do not recommend Tower Loan!!!

In March I went and got a $1200 dollar loan. They had it down for a 2 year loan, by 2 years I was to pay back $1900 back. I went back the next day and paid $1000 on it. Which meant I only had to pay $200 plus the little interest. I went in to pay thinking might be at least close to $300, WRONG, they want me to pay back $600. I asked, "Why?" She said it occurs interest. I asked, "how much, $100 a month interest?" She told me it occurs interest daily, not monthly. What kind of scam are they playing here.

I have a loan with them. I had surgery on my hand and cannot work right now. I had papers filled out by my doctor. Now they are telling me I have to get them filled out again to file an insurance claim for which I pay for with this loan. What is their malfunction. This is so wrong for these people to be able to work there if this is how they treat customers. I will never get another loan from these people. Bad place to do business. This company needs to do more checking on their employees.

These people are saying I am 120 days past due with my payments, I'm sitting here with the cancelled checks in my hand where they accepted payments. They have had me served with a judgment against me twice where I work, if they proceed with a garnishment, I have an attorney that is willing to sue them because of filing a false lawsuit, pain and suffering over the constant harassment procedures they use on clients. My advice, file bankruptcy and avoid these vultures, you'll never be rid of them.

I haven't dealt with Tower Loan since before 2009 but when I went to get a loan from my bank, I realized that they had been making HARD INQUIRIES on my credit report which not only makes your credit score go DOWN but it stays on your report for 2 YEARS!!! Unless you have the credit bureaus investigate it and have it taken off. Tower Loan had been making inquiries to my account EVERY OTHER MONTH FOR THE LAST 2 YEARS. No wonder my score was so low. I tried calling the main office but could NEVER get anyone to answer the phone. I finally had the credit bureaus investigate and they were able to take a few off. My score jumped 50 points! Now I see they did it again in January! I made a complaint on their website, will see what will happen, then I guess the next step will be a lawyer. DO NOT USE THIS COMPANY IF YOU WANT TO KEEP YOUR CREDIT SCORE IN GOOD STANDING.

I agree with a lot of people apparently. I will never have a loan from TOWER LOAN again. I paid off my loan early and waited to see it drop off my credit report. When I called to ask the local company they said they don't report but, every 3 months to the credit bureaus. This is done so you don't see your credit score improve and be able to find a lower interest rate with a legitimate loan entity like a bank where you will charged less interest. I also had a loan from Republic Finance and paid it off at exact same time. Within 2 weeks it was removed from my credit report. They now have any future business I will ever have need for.

Going through papers saw that they charged me for a auto club. I never received Any information on it. But when I called they said there is nothing they can do about. And that they are sorry. I feel if I Still have an open account there is something to be done. They will Never get my business Ever again. They didn't ever want me to talk to anyone at their home office. Never again Tower Loan.

I purchased furniture from Ashley Furniture after The Great Flood in Denham Springs, LA. They were offering zero % financing. I didn't check who it was being financed with and that's my fault. This was two years of zero % financing which means you have two years to pay the balance off whether it's all at once or in monthly installments. Well I was paying monthly and missed a due date - set by them and they called me every day. Now they say I have a $10 balance due for a late payment. They called again today after I paid the balance off because of the $10 balance. If I could I would give them a zero. In my book they rate an F for harassment. It's beyond harassment. I will pay the $10 but NEVER again. Hope this review will prevent anyone from borrowing from them whether it's known or unknown as a result of buying something that offers a zero % financing.

I will never use Tower again. Megan calls me at work after I've made payment arrangements with Alec in her office. I've requested never to call me at work, to which her reply is "she has the right". Extremely poor customer service!!!

I received a personal loan from Tower Loan in Zachary, LA. I have seen several bad reviews online about the company. My experience with the Zachary branch has been a great one. The manager and the staff are very courteous, polite and friendly and do all they can to help you, they are wonderful people. I extend an invitation to try going to that branch for your loans, they truly work with you. The only complaint I have with the company, nothing to do with the staff, the interest rate is much too high. Overall that branch has a great set of people with a wonderful friendly attitude.

I am writing this review to hopefully save someone from the nightmare I have had to endure with Tower Loan for 10 years. I originally started with this company for a bedroom loan for around $1000 to be paid in the 2 year period. Before getting to the payoff, Tower Loan offered me money of $500 dollars. I accepted the money and then the nightmare began. The payments were about $120 dollars a month. Heaven forbid you are a day late, because the charges with rack up and you will not be able to catch up payments.

I was in contact with Tower Loan Slidell every month in reference to my payoff and they knew I wanted the No interest option and didn't tell me the contract ended before my last payment was due, so they charged me an extra 400.00. I will never do business with them again. They didn't tell me I apparently missed a payment in July, I called every month I thought to make a payment, the last call I made she said "your last payment will be 149.00", that was in Jan. When I called to make the payment they said "Oh, so sorry our contract ended Jan. 27th. Now you owe 528.00." Never again!!! Dishonest.

The staff at Tower Loan at the 28 East branch were courteous and very understanding anytime I had problem making payment. They were persistent with phone calls but it was simply to find out when I thought I would be able to make a payment. I spoke mainly to ** or ** and I must say they were both great at customer service. I read reviews before taking out loan with them and was skeptical because of the negative remarks made by so many but I would strongly recommend the branch on 28 east to anyone in need of a loan. I spoke to a couple of gentlemen at times and wish I could remember their names so that I could list them but can't recall their names. I never spoke to anyone at Tower Loan that was rude in any way. They have a job to do and often that job involves trying to collect on a debt but they did it in the most professional way possible and with patience and understanding.

Ridiculous!!! Asked why I was late and told them I had a biopsy and needed to pay hospital, told to 2 different people and both "snickered/chuckled". REALLY!!! If I were you, DO NOT GET A LOAN FROM THIS COMPANY (Lee's Summit, MO). You are laughing because I had a bill I needed to pay for a cancer screening. Unreal!