Date Received: 2017-06-12T00:00:00
Product: Payday loan debt
Issue: Written notification about debt
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I have already made payments of more than double the amount borrowed. I have had NO contact with or from this company since XXXX or XXXX XXXX , at which time I disputed interest charges & wanted a new settlement of the account & they indicated that they would credit my account & I was considered paid in full as I indicated I was going to consult an attorney or file complaints. On XXXX / XXXX / XXXX a call was made to my employer when I was not there & a message was left that ” I ‘d better call.. ” I called this unrecognized number & gave out my current address, as I did not want anyone showing up at my workplace. A summons in a sealed envelope was found in a neighbor ‘s bushes on XXXX . I am being sued for much more than I originally borrowed ( & alre ady paid off ) plus legal fees, court costs & process server costs.There is NO other attached documentation on this summons. Prior to this I have NOT gotten any letter, etc., that would allow me to dispute and/or dem and the customary debt validation, along with the associated waiting period. I suspect that Harpeth d ba/ Advance Financial has sold off this loan & the attorney will have a ” flimsy sworn acct. ” as ” proof ” from Advance. The address on the summons is where I lived TWO years ago, which bears out my suspicions about Advance selling my account to an atty/ ” XXXX ”, as Advance has had my current address the entire time I was their customer.
Company: Harpeth Financial Services, LLC
State/Zip: TN 372XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: No
Did Consumer Dispute Company Response: N/A
Complaint ID: 2546674
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.