Complaint / review text:
A few months ago a check arrived in the mail from Tower Loan. I was out of work and we needed to pay some bills. Thinking I would have found a new job soon, I had my wife deposit the check (it was made out to her). 30 days later, we heard nothing from the company, so I called them. They said it was not in the system yet and asked for me to call back in a few days. I did and it was in the system. My wife gave Olivia permission to speak with me as I was not on the actual account. I then went to the online payment website to make a payment, and it was next to impossible - they ask for date of birth but if you enter it, it is rejected, they want the it entered as all zeroes, you have to put name in all CAPITALS too. I had to call Olivia back and have her assist me in making an online payment. The next month I also had to make an online payment.
So now we are in our 3rd month. The payment was due yesterday (but remember we have a 10-day grace period too). So this morning I miss a call from Jeremy at Tower Loan. He leaves a voice mail asking for my wife to call her. (My wife was at work so I was going to give her the message when she got off work). 20 minutes later I get a call from a friend stating that Jeremy had called him looking for my wife. 15 minutes later another friend called and said the same thing. Well now I am quite pissed as the loan is not even 24 hours late and hardcore collection efforts are put into place. So I call Jeremy at Tower Loan, and we get into it. He says my wife is more than 1 day late, that he can not talk to me as I am not listed as an authorized person, and that he will continue to call my wife's references if my wife does not call him. And yes, I will openly admit, I said a few things that were not right, like telling him he would never talk to my wife (I was pissed).
About an hour later, after I had cooled off, I called Tower Loan back and spoke to another rep. I think his name was Eric but do not quote me. I explained to Eric all that had transpired and he said yes, she is very late, and that my wife made a 1/2 payment one month and that her check bounced the next month. I said, “No, no, no. I have a print out from my bank and from the Tower Loan website.” He then asked for my wife's name again and sure enough, they were thinking my wife was a different client with the same last name. So he said he was sorry, and confirmed our account was in good standing, (actually my wife's account).
I asked him to call back all my references and let them know they made the mistake. He refused. So now, our friends were left with a bad impression of my wife and I, all because they can not even keep track of the right accounts! Once this loan is paid off, I will never deal with them again, have nothing good to say about Tower Loans and if asked if I would recommend them, I would have to say "NO! No! NO!" Also, they asked for references after the loan was done. References should be contacted prior to a loan issue and then should never be re-contacted. Otherwise they should not be called reference. They should be called "Alternate Contacts" or something like that. If you want my personal opinion, you do not want to do business with this company.