Harpeth Financial Services, LLC

The collection amount is XXXX The Loan Date was XX/XX/XXXX From XXXX XXXX XXXX XXXX / Advance Financial. Civil Warrant filed date XX/XX/XXXX Hearing Date XX/XX/XXXX by Collections Attorney XXXX XXXX XXXX of amount of XXXX plus court cost that was shown

I used to pay these people on my own on scheduled times and i stop paying these people because i can no longer pay them and they were charging me a lot on interest basically i stop paying them and they now are taking money from my bank account without being authorized to do so the first time they tried i did not have money in the account and i call my back to block them from doing so this was in XXXX, today XX/XX/year> they removed XXXX dollars from my account without no permission and this is unacceptable i had to call my bank again and submit a claim and block them permanently from taking any money from me.

Owed Advanced Financial for a loan. Loan went into default after I lost my job. By the time I found a new one and caught up bills enough to start making my payments again they had closed my account and I wasnt able to make payments. Made a verbal agreement over the phone with XXXX XXXX XXXX, XXXX ( attorney for plaintiff ) office on Friday XXXX XXXX XXXX XXXX XXXX XXXX to pay XXXX XXXX by mayXX/XX/XXXX and XXXX $ every month after untill debt was paid in total. Asked to pay XXXX $ a month but Lady on phone said she couldnt do less than XXXXXXXX XXXX a month. After I agreed to the above mention amount I was told I didnt need to show up for court that the agency/firm would tell the judge about the payment agreement. I showed up for Court on XX/XX/XXXX at XXXX XXXX. When my name was called neither lawyer nor judge had any idea of an agreement made.…

I took out this loan around XX/XX/XXXX. I had no idea that a 399 % annual interest was a legal amount of interest to charge. Had I known this would be the APR, which I did not see in the promotional information, I never would have signed a loan for 399 % APR. Im asking that you or the Tennessee attorney general, or Senator XXXX XXXX, help me out and alter the terms of the loan or void the contract entirely, if the 399 % APR is illegal for federal or Tennessee purposes. I have equity of over {$150000.00} in my home, but I can not access it, even through an FHA loan, because I co-signed on my daughters home in Florida in XXXX, so my debt to income ratio for XXXX includes my and her mortgages of over {$500000.00} even though I have proven that she has made all the payments on her mortgage for over XXXX years.

This company has retaliated against me for falling behind, even though I have repaid the initial loaned amount many times over. I have requested they stop debiting my account at random times each and every month because this is costing me thousands of dollars in overdraft fees. I haverequested this in writing over a dozen times. Not only do they ignore my request to settle the debt and revoke Ach, they also Ill debit me multiple times a day after I write them with the request. These are retaliatory practices and I dont believe this is legal. I would like my debt canceled and for the company to stop debiting my account whenever they please. This is essentially ruining my life.

I got a call from my sister saying a sheriff was serving me for a debt collection, i call the general session court house to find out who suing me that where i got the name of XXXXXXXX XXXX, i was also told there is no court case open since the sheriff couldnt serve me i even got the same info from the sheriff department so i call the law firm. First they was dismissive even when i stated i wanted paperwork with any agreement of a payment plan and how much i could do the lawfirm then tell me i have pay the amount they have which is XXXX on XXXX of every month but i wont receive no paperwork until after the case i tell her their no case i even gave my current address to be serve this was back in XXXX i been paying this lawfirm XXXX this whole time and i havent receive no serving paper nor have i receive the agreement payment plan and just now i know i use their online portal to pay on the XXXX but it showing i didnt pay even though i have a photo of the payment

Im being over charged for a XXXX $ loan Ive paid them over XXXX $ and there want me to pay XXXX $ more plus interest

I am behind on payments. Have attempted to contact the company probably a hundred times asking to settle, since I have already paid the initial loan amount many times over. They will not. They continue charging my bank account random amounts at random times I am not expecting, which results in overdrafts to my bank account. This practice of theirs has costed me hundreds of dollars in overdraft fees. I want this company to settle my account with them because I have paid the principal amount back, plus thousands, in addition to their poor business practices costing me hundreds of dollars in bank fees. They also have ignored thirty written requests to stop Ach authorization on my bank account, rather choosing to continue charging me as they wish.

I am filing a complaint regarding Advance Financials lending practices and the accuracy of the information they have on file for my account. I received a {$600.00} loan from Advance Financial that carries an APR of approximately 450 %. I have already paid over {$1000.00} toward this loan, yet the balance has not meaningfully decreased. The repayment structure appears designed to keep borrowers in longterm debt and is causing financial harm. Additionally, the personal information Advance Financial has on file for me is incorrect, including my address and other identifying details. The only accurate information they have is my bank account number. This raises concerns about how the account was created, verified, and serviced. I am requesting that the CFPB review Advance Financials interest calculations, fee structure, and handling of consumer information.…

I am writing to dispute the reporting of late payments on my account, referenced below. I WAS NEVER LATE ON THIS ACCOUNT! Please provide documentation that clearly supports your claim that I was late, including any transactions that would indicate such. If you are unable to provide this documentation, I kindly request that you immediately delete these alleged late payments from my credit report and update the account status to " paid as agreed. '' XXXXXXXX XXXX XXXX

I was made aware of a fraudulent loan opened in my maiden name ( XXXX XXXX ) from Advance Financial. The loan was issued using my social security number, however my social security number is now tied to the last name XXXX. I notified advance financial via phone that the loan is fraudulent and was not taken out by me. Advance Financial confirmed that they had my file notated as such and that no additional action was needed from me to resolve with them. However, Advance Financial then sold my loan to XXXX XXXX XXXX, unknown to me. XXXX XXXX has now reported this fraudulent loan to my collections credit report, even though I reported this loan as fraudulent with Advance Financial. This loan is fraudulent.

Received a call from Advance Financial from an individual who failed to disclose his name. I asked what the call was in reference to and was told you owe the debt. I then requested to be removed from phone calls and for this information to be sent via mail, specifically, as I have not taken out a loan from this company and do not owe debt. I was then put on hold and the line disconnected. I am disputing any debt associated with this company. Further, the company upon request failed to provide any documentation in writing. Advance Financial has failed to provide proof of ownership or original creditor documentation, violating FCRA 623 ( a ) ( 3 ). Per 611 ( a ) and 1681i ( a ) ( 5 ) ( A ).

This company is charging usery rates and fees that no one can afford and are illegal in state of Hawaii I took out this loan and paid back most of it and took a few more advances and paid and the payments have skyrocketed and they take it direct debit from my account. I blocked them once from doing that and they continued to do it. I have asked them to stop and not given authorization and its been revoked at my bank. Twice. They keep trying to deduct large XXXX dollar or So amounts and it wrecking my ability to pay my essential bills and eat. They need to stop. They are charging usery rates. I have revoked their right to deduct any more fees and charges from my bank.

They our trying to charge me for. Account thats not me and data breach has my name my social my number

I entered into a line of credit agreement with Advance Financial ( XXXX ) in XXXX for approximately {$1900.00}. Since that time, I have paid approximately {$13000.00} through biweekly automatic withdrawals from my bank account. Despite paying several times the original amount borrowed, I am still being told that I owe a remaining balance. I attempted to resolve this matter directly with the company by requesting written communication, including a full payment history, a breakdown of all fees and interest, and any available settlement options. However, the company has failed to provide this information. The only form of communication they have attempted is by phone. I specifically requested written communication so I could properly review the account and any proposed resolution, but they have not complied.…

Issue : High-cost loan / predatory lending Company : Advance Financial / XXXX I opened a line of credit with Advance Financial in 2019 for approximately {$100.00}. The account carries an extremely high APR ( approximately 360 % ). Since opening the account, I have made consistent biweekly payments for several years. Based on my records, I have paid several XXXX dollars toward this account. Despite these payments, my current balance remains approximately {$93.00}, and recent statements show that my payments are being applied entirely to interest, with no reduction in principal. This creates a situation where payments do not reduce the balance and effectively function as ongoing interest-only charges. I am concerned that this loan structure is predatory and results in perpetual repayment without meaningful progress toward payoff.…

I am filing this complaint against Advance Financial regarding a XXXX XXXX ' ( Account XXXX. XXXX ) that I believe uses predatory XXXX mathematically impossible terms. On my statement dated XX/XX/year> XXXX XX/XX/year>, my starting balance was {$400.00}. Despite making a payment of {$110.00}, my new balance actually increased XXXX {$410.00}. This occurred because the account carries an unconscionable Annual Percentage Rate ( APR ) of XXXX %. This rate resulted in {$110.00} in interest charges for a single monthan amount that exceeded my entire payment. Under these terms, even when paying over {$100.00} a month, my principal only decreased by {$9.00}. I believe these terms create a debt trap designed XXXX prevent the balance from ever being paid off. I am requesting that the company provide a fair, amortized payoff plan at a reasonable interest rate that allows my payments XXXX be applied significantly toward the principal balance. ''

I requested to have my auto-withdrawal unenrolled on XX/XX/year> due to financial distress as in I have been let go from my job unexpectedly. I was informed by customer service that this was taken care of. On XX/XX/year>, I received a charge for {$490.00} to my account. I contacted them directly via phone call and on their customer service e-mail. I was granted unenrollment from auto-withdrawal once again despite being told on XX/XX/year> that this was complete. Today ( XX/XX/year> ), I was charged an additional {$500.00} despite the previous unenrollment. These were both unauthorized transactions that should not have occurred.

Sent a letter requesting to cease phone calls on XX/XX/year> as the number they call on is a company/job provided cell phone and only to communicate via email.

I got a stupid XXXX loan through this company Advance Financial. It went into collections. Advance Financial sold my account to someone called XXXX XXXX XXXX has emailed me XXXX times in XXXX days. They dont need to do this. They shouldnt be allowed to do this. It is harassment..

i had a miss payment for XX/XX/year> and XX/XX/XXXX XXXX more i paid using my bank my bank reject the payment adn i called them to make those payment and avoid late payments yn my credit report and the answer was not you are able to amke those payment becasue is prcessing for our bank and take betwen XXXX days to claer told him ok i want to make those payments if you do it will go to your principal not those payments being all this in unfair by this organization becuase i was trying to make those payments and i called XXXX of XXXX to avoid negative impacted in my credit report

I would like to set up revoking the payment authorization of my line of credit. I am struggling to make payments and also need to lower my bi weekly payments.

I was contacted repeatedly, like every hour. When I finally called back I was indeed upset. I have a natural aggressive and loud voice as the caller advised me that I needed to stop yelling at her. I said I wasn't yelling. Her tone was not only rude but very unprofessional. She placed me on hold then came back with an offer. I advised her that I was unable to pay what she was asking. I also advised her that I have had some medical issues and she told me that wasn't her problem and she didnt cause my medical issues. I asked her to send me the offer via email and she said she could not. She then said thatsince I was not changing my tone that she would make sure that she filed the judgement and that I would be served. I could her her hackling to her co-workers in the back ground. I asked her her name and she told me that she was XXXX XXXX who workded for XXXX. She also said she was not a customer service agent so she did not have to be nice.…

I am filing this complaint regarding a Flex Loan/Line of Credit issued by Advance Financial 24/7 . The lender refused to respond to the previous CFPB complaint # XXXX, which was submitted by my spouse, even though the issues involved my account. Because Advance Financial declined to participate solely due to who submitted the complaint, I am now filing directly under my own name. My concerns involve the structure of the loan, the way payments were applied, the fees charged, the duedate manipulation, and the final settlement amount of {$1800.00}, which I paid on XX/XX/XXXX without ever receiving a payoff statement explaining how that amount was calculated. 1. Negative amortization despite the contract stating otherwise My signed contract states that the minimum payment must be : no less than 3 % of principal per month, or no less than 1.5 % biweekly, or all unpaid interest, whichever is greater. It also states that payments must be applied to interest and then principal.…

To Whom It May Concern : This correspondence serves as a formal legal demand on behalf of XXXX XXXX XXXX XXXX, a XXXX limited liability company ( the Company ), regarding the unauthorized and fraudulent transfer of {$1100.00} from its XXXX XXXX Account using card ending XXXX on XX/XX/2026, which funds were received by Advance Financial. Despite being promptly notified that the transaction was unauthorized and fraudulent, Advance Financial has failed to return the funds and has retained possession of property known to be stolen. Your continued retention of these funds exposes your organization to significant civil and criminal liability. I. Applicable XXXX Law Although Advance Financial is located in XXXX, XXXX XXXX XXXX XXXX is organized under XXXX law, and the injury was suffered by a XXXX entity. The following statutes apply : 1. XXXX Theft Statutes 11 Del. C. 841 & 850 Under 11 Del. C.…

They had a XXXX party call me today, said they were from ordinance and threatened me. Said if I didn't pay today they were going to sue me and it would go on my record. Also said that since it would be on my record I would have a hard time getting a job. Told me I would owe XXXX if I didnt pay today. Here is the number XXXX

Predatory lending at its finest. 98 % of payment is classified as a fee. I have repaid principal balance and now seems I al repaying fees. It is impossible to continue to make payments when the balance doesnt seem to decrease. A vicious cycle of debt. Not sure if this type of lending is legal in Florida. As you can see I have repaid over {$1200.00} in fees alone in 2026.

Advance Financial keep sending civil warrant service officer to my home for my son, XXXX XXXX. I have told advance financial XXXX years ago by way of the same service officer, advance financial reps and the law firm reps, again XXXX years ago that HE DOES NO LIVE AT MY HOME. Advance Financial can not legally harass me knowingly by continuing to use an incorrect address once they have been informed of the error of which I have done repeatedly by which is also against the FDCPA law. This is now considered harassment. If they continue sending warrant serving sheriffs to my home I will file a counter suit against them for just this,,, harassment .. Again My son DOES NOT live here at my home, my address they have on file at XXXX XXXX XXXX XXXX

On XX/XX/XXXX Advance Financial took XXXX payments from both of my accounts : XXXX Bank and XXXX XXXX XXXX XXXX account. When I contacted Advanced FinanciaXXXX about this matter back in XXXX, the teller stated that he did not see where they had charged my XXXX banking account and I stated sir, I am looking at my mobile app and it is showing where you guys charged this account, I told him that I did not give Advance Financial permission to take money from my XXXX account and that payments are made through my XXXX XXXX XXXX XXXX. XXXX took XXXX payments on XXXX XXXX in the amount of {$160.00}. I have sent an email to XXXX regarding this account and for some reason I am always told that this email was not received! There was an attachment on this email from Advance Financial from when I sent this message to the XXXX from XXXX and previously I forwarded my banking info from when I sent the first dispute from XXXX!…

My account XXXX XXXXXXXX My SSN : XXXX The origination date : XXXX Company Number Ph : XXXX My Line of Credit is {$1500.00} and my balance is {$1600.00} My monthly payment is {$330.00} and only {$46.00} went towards the principal and the amount owed continues to go up. I have an open XXXX XXXXXXXX Bankruptcy and I receive disability due to mental and physical health. I can not afford the loan, and they will not work with me to reduce the rate to pay the loan down. Can you help me, because I'm in a bad situation and I can not afford it.