Tower Loan Consumer Loan Complaint

Tower Loan Consumer Loan department,

Installment loan Problems when you are unable to pay Louisiana

I obtained a loan from Tower Loan on - for the amount of $2500.00 for funiture that my son needed. My son was making the payments on this loan and I was n't aware that he was behind on the payments. ( I still have n't seen proof of the fact they say he was behind ) When I became aware of the late payment, through a phone call from a representative from Tower Loan, I got a copy of my credit report dated - -, - and there were no late payments reported on that credit report. I started receiving calls from Tower Loan representatives in -, - threatening to sue me because I had n't made these payments. They would call me at work, and on my cell while I was working with patients. I only answer calls while I 'm at work if they could


was " running around town getting loans and defaulting on them ''. I would explain that I would call them back after I got off work and they would yell and scream at me, telling me that they were going to sue me. First of all, I NEVER gave them permission to pull my credit. As far as defaulting on any loans, that is simply not true. I have been fearful of answering my phone since this started and I should n't be made to feel that way, since I pay my cell phone bill, not them. I find it hard to believe this is a legal way of collection practices. I have read the Fair Debt Collections Practices Act and it seems that this is highly illegal. I have since hired a credit expert and she is helping me get all of this mess handled. I am sending a copy of this to the FTC in hopes that someone can stop these people from doing this. Thank you for your time