Harpeth Financial Services, LLC

XXXX XXXX XXXXXXXX IS A CHARGING OUTRAGEOUS INTEREST RATES ON THESE LOANS, THE PRECENTAGE OF THE FEES ARE XXXX %, I HAVE BEEN MAKING BY WEEKLY PAYMENTS AND THE AMOUNT IS NEVER REDUCE BECAUSE THE INTEREST IS COMPOUND DAILY. I TAKE A LOAN OUT WITH THIS COMPANY OVER XXXX XXXX AGO AND I STILL OWE {$560.00}, I HAVE NOT MISSED ANY PAYMENTS AT THIS POINT, BUT THEY MAKE YOU PAY OUTRAGEOUS INTEREST RATES ON THESE LOANS AND IT DOES SEEM TO BE FAIR. THEY REFUSE TO MAKE ANY TYPE OF PAYMENTS ARRANGEMENTS WITH YOU AND CUSTOMER SERVICE PEOPLE HAVE NO CLUE HOW THE INTEREST RATE IS CALCULATED. I WOULD BE MAKE PAYMENTS ARRANGEMENTS TO PAY THIS LOAN OFF, BUT THEY DON'T ALLOW THAT AND WILL SEND YOUR ACCOUNT TO COLLECTIONS, IT IS NOT PAID BI-WEEKLY. I CAN NOT AFFORD THIS LAW ANYMORE. THIS LOAN IS KILLING ME.

I am disputing a predatory line of credit from CC Flow ( division of XXXX XXXXXXXX XXXX XXXX ) marketed as Advance Financial 24/7. I am a resident of XXXX, Florida. VIOLATIONS : TILA VIOLATION : The lender has NEVER disclosed the Annual Percentage Rate ( APR ) on any of my 79 billing statements. This is a mandatory disclosure under TILA and Regulation Z ( 12 CFR 1026.6 ). Without APR, I could not evaluate the true cost of credit. FLORIDA XXXX : Payments of ~ {$390.00} every 14 days on a {$3800.00} principal imply an annualized interest rate exceeding 260 %. This violates Florida Usury Law ( Fla. Stat. 687.03 ), which caps interest at 30 % for loans between $ XXXX {$10000.00}. The lender uses a XXXX bank to export illegal rates to Florida consumers XXXX TRUE LENDER DOCTRINE : Advance Financial 24/7 is the true lender and economic beneficiary ; CC Flow is merely a pass-through entity to evade Florida consumer protection laws.…

CFPB, Advance Financial has been working with me for the last few months to help me get my account back on track. I was wondering if they can please reinstate the previous offer for the 90 days.

I have a preditory loan with advance financial and it's compunding every XXXX weeks makign it hard to get ahead on it.

I have asked them to stop calling my give them the number to XXXX XXXX XXXX that I joined even sent a cease and desist communication to them and added the number in told them they would be handling all information regarding whats owed to the. And payments and they refuse to accept it XXXX XXXX XXXX has also contacted them and informed them the same I work nights and they know this and every number I block they call from a different location at a time that wakes me up they refuse to call me in the mornings when I get off work they have affected my sleep to much as it is

I called XXXX XXXX XXXX let them4uld n't pay my loan on XXXX XXXX the gentlemen ask me why I explained it to him. He was very rude said I just took the loan I made XXXX payment. I explained to him he refuses to make changes to my account.

I am filing a formal consumer complaint against Advance Financial for an explicit violation of the Electronic Fund Transfer Act EFTA ) and Regulation E regarding unauthorized account debits. On Tuesday, XX/XX/year>, at XXXX XXXX, I sent a formal written notice via email tc XXXX and XXXX explicitly revoking all ACH authorizations, debit card authorizations. and bank draft consents for my account ( # XXXX ). Despite having clear, written notice of this revocation, Advance Financial proceeded to bypass my legal withdrawal of consent and unauthorizedly debited {$330.00} from mv bank account. I contacted the company directly to demand a refund for this illegal transaction, but they have failed to return my funds.…

Around XX/XX/year>, I received a letter from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX requesting payment for a XXXX loan debt on the behalf of Harpeth Financial Services , LLC d/b/a Advance Financial. Having not taken out a loan in the last couple years, I discarded the letter as phishing/scam mail and tossed it but not without taking a photo just in case it came up again. Fast forward to XX/XX/year>, an officer showed up at my door to serve me a civil summons. I was not present, but talked to him on the phone while my wife dealt with him at home. I agreed to let him serve my wife the papers and proceeded to verify the identity of the officer with the XXXX XXXX XXXX Department. Upon verification, I reached out to XXXX XXXX XXXX and opened up a stolen identity case, filed an Identity Theft Report through the Federal Trade Commission, and a police report through the local XXXX XXXX Police Department.…

XX/XX/year> ( XXXX XXXX XXXX ) : I sent an initial formal " Request for Formal Hardship Agreement/ Extended Payment Plan '' ' to Advance Financial ( XXXX ) .I requested a closed-account structure to pay a fixed {$500.00} per month starting XX/XX/year>, to amortize the {$6500.00} principal balance with all daily interest frozen. In this email, I explicitly revoked ACH/debit authorization and formally revoked telephone consent, stating all future communications must be via mail or email XX/XX/year> ( XXXX XXXX XXXX ) : Because front- line customer care failed to address my morning proposal, I sent a second, targeted email titled " FORMAL DISPUTE and HARDSHIP ESCALATION '' directly to the Management and Compliance Team.…

They are participating in retaliatory practices of repeatedly debiting my accounts, despite me providing a request in writing numerous times to stop Ach request. These retalitory practices have costed me {$980.00} in overdraft fees this year alone. I have requested in writing they stop ACH on my account, settle my loan, they refuse to do any of this. They admitted I have paid nearly {$2000.00} to them on a {$1200.00} loan. I am considering hiring an attorney to seek remedies against these retalitory practices. I urge this company to clear my debt and close my account immediately before I seek counsel on their retaliatory practices.

I disputed this XXXX times from the credit bureaus site and I sent out dispute letters every XXXX days. I requested proof nothing has been provided.

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.

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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.