Harpeth Financial Services, LLC
Consumer Complaints
There are over 190 complaints on file for Harpeth Financial Services, LLC. Dated between 2019-12-09 and 2013-10-22.
Complaints Page 7
2016-11-06
TN
Charged bank acct wrong day or amt
Payday loan:
Complaint: Initially I thought that the flex loan through Advanced Financial was exactly what I needed at the moment. After having always made my payments on time for well over a year. Last month they charged me twice causing me to default on XXXX other accounts as well as overdraw my bank account. I have paid the principal off multiple times over. This cost me a lot of problems and a lot of money. I have never made a late payment on anything. I spoke with them they said they could not refund the money but that they would defer the interest. They did not. I spoke with him several times and what they said was the corporate office. No one knew anything about it. Then they tried to take money from my bank and my credit card. Accounts that had been used for a one-time-only payments.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed
2016-10-17
Bremen, GA
Can't stop charges to bank account
Payday loan:
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief
2016-10-15
Brentwood, TN
Problems when you are unable to pay
Consumer Loan: Installment loan
Complaint: I currently have a " flex loan '' with advanced financial based in XXXX, TN, I am currently in the XXXX XXXX and have been for 7 years. I have called and emailed the company asking them to reduce my APR to 36 %. They have failed to do so. My loan was for XXXX and currently with all the fees they want me to pay back over XXXX they are trapping me in debt. How am I supposed to pay this back when they prey on me. This company needs to be investigated for fraud and abuse. Please Help
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2016-10-11
Brentwood, TN
Charged fees or interest I didn't expect
Payday loan:
Complaint: I recently missed a lot of work over the past 4 months due to XXXX and other Medical issues.
At the time I missed I had no PTO ( Paid Time Off ) and could not get FMLA approved.
So I felt as if the only thing to do is take out XXXX payday loans with XXXX different Institutions.
Due to the fact that I am in a Chapter XXXX, with only 7 Months to go things could go really bad for me.
I could be evicted if my rent is not paid and at XXXX become homeless for I have no family or friends that can help me.
The first was Advanvced Financial for {$1600.00}.
They charge % 279.50 APR. My payments are XXXX per paycheck ( bi-weekly ).
The second was with XXXX ( XXXX XXXX XXXX ) This place charges % 519.22 APR. There was also a finance charge of {$860.00}.
The loan was for {$1200.00} the payoff is {$5000.00}.
They will be taking {$250.00} out of every check ( bi-weekly ).
With my current rent, utilities, gas, groceries, Insurance ext ....
There is no way that I will be able to make the money to pay what they are asking.
I have a meeting tomorrow XXXX/XXXX/2016 at XXXX with my Chapter XXXX Attorneys.
If they can not help me I do not know what I will do.
If there is any way that you can help I would greatly appreciate it.
Thank You, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed
2016-10-09
TN
Problems when you are unable to pay
Consumer Loan: Installment loan
Complaint: I was involved in a accident which created a hard ship we are trying to pay on this thru a debt consoliation and sometimes have to skip or extend the payment but the advance financial company keeps calling creating us more stress than we already have, can they be contacted about this we are doing our best.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed
2016-10-06
Franklin, TN
Problems when you are unable to pay
Consumer Loan: Installment loan
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation
2016-09-15
Brentwood, TN
Can't stop charges to bank account
Payday loan:
Complaint: 1 - I am being asked to pay XXXX a month that goes to XXXX of the principle for XXXX loan. I was not informed that XXXX was a fee each payout and that XXXX was interest each payment. I requested a freeze on my account and that I would make regular reasonable payments. To date no action was taken.
2 - 10 days ago, following AdvancedFinancial Instructions, I revoked authorization from my checking account on XX/XX/2016. Today payment was withdrawn. ( Now I am a risk of not being able to pay my mortgage ). My bank is XXXX XXXX XXXX i am in Tennessee. What else can I do? I want to make manageable payments for a loan that was taken out during a tough time. I do n't want to declare bankruptcy and do not wish to close my bank account but am at a loss.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-09-03
TN
Charged fees or interest I didn't expect
Payday loan:
Complaint: I had to get a payday loan and got it from Advance Financial. I was n't told about the high interest rates and they claim they do line of credit but when I ask about it they said I did n't qualify. The amount kept getting higher and higher until it was out of control. Every month I get a email from them and they have tried to access my old bank account and stating they will do it again next month.XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-08-25
Nashville, TN
Charged fees or interest I didn't expect
Payday loan:
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief
2016-08-25
TN
Managing the loan or lease
Consumer Loan: Installment loan
Complaint: Advance Financial has automatically debited my account for XXXX payments on another persons account. I helped this person out previously by paying her payment. However, I was never co-signer and I am not responsible for her account. Without my permission they have withdrawn XXXX payments on 1 day for her account. I would like to know if there is anything I can do against this. at this point they are saying they can refund me in 3-5 business days, but in that time i have bills due.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation
2016-08-23
TN
Charged fees or interest I didn't expect
Payday loan:
Complaint: Got a loan at Advance XXXX in XXXX, TN. was under the impression like every place you go you get a one time fee not a fee everytime you make a payment, been paying on this loan since XX/XX/2016 and has not got down not even a couple hundred have been paying {$200.00} e/o week and statements show i pay a customary fee of {$170.00} each time this is ridiculous how can they do business this way I 've paid more of customary fees than interest at this point, I also asked them about the installment loan which i thought that is what i got into looks like they did n't even do what I requested because they are just out to get people that dont know any better, I 've never had this happen to me before its really ridiculous that I owe more than what I actually borrowed 4 months later
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-08-15
Lenoir City, TN
Can't stop charges to bank account
Payday loan:
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-08-15
TN
Disclosure verification of debt
Debt collection: Payday loan
Not disclosed as an attempt to collect
Complaint: There was not a selection above that truly fit my complaint. I was referred to XXXX XXXX lawfirm by XXXX. They told me that my account had not been sent to a 3rd party but that was a lie. This is a collection agency. I called their office at XXXX and spoke with XXXX. I asked her my balance and advised her that I wanted to set up a payment arrangement. She begins asking me very personal and invasive questions. Such as how much I make and who I pay my car payment to, and what the year make and model of my car are. I asked her why she needed this info she then tells me its so they can collect on the account. she never gave the intro of " this is an attempt to collect a debt .... '' and when i refused to answer her questions that I felt were invasive she refused to work out a payment arrangement with me. I asked straight up if she was refusing my offer to make payments. She straight up said yes. I disconnected the call at that time. I do not feel they need to know such personal information to set up a payment arrangement. I work in collections also and we would get into trouble for asking questions like that.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-08-01
Mboro, TN
Communication tactics
Debt collection: Payday loan
Called after sent written cease of comm
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-07-18
Nashville, TN
Charged fees or interest I didn't expect
Payday loan:
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2016-06-20
Chattanooga, TN
Shopping for a loan or lease
Consumer Loan: Installment loan
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-06-07
Clarksville, TN
Managing the loan or lease
Consumer Loan: Installment loan
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers Closed with explanation
2016-04-09
Brentwood, TN
Charged fees or interest I didn't expect
Payday loan:
Complaint: I got an loan from Advance Financial based in XXXX, TN. And I am inquiring if they can continue to charge me this outrageous percentage to pay them back. I told them I was in the military ( in the XXXX XXXX ) but they said I was fine and continued with the loan.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-03-09
Bremen, GA
Charged fees or interest I didn't expect
Payday loan:
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-01-31
Brentwood, TN
Charged fees or interest I didn't expect
Payday loan:
Complaint: I TOOK OUT A PAYDAY LOAN WITH ADVANCE FINANCIAL OF TN FOR AT OR AROUND XXXX DOLLARS. I WAS GIVEN A SHORT FORM STATING MY MINIMUM BALANCE EVERY TWO WEEKS WAS XXXX DOLLARS AND SOME CHANGE, AND GIVEN ANOTHER LOAN PAY AMOUNT OF XXXX DOLLARS AND SOME CHANGE. HOWEVER, AFTER OVER XXXX DOLLARS LATER I CHECK TO SEE WHAT I OLD AND THEY STATED MORE THAN I TOOK OUT. I WAS TOLD THAT IT WAS A 275 % INTEREST RATE ATTACHED TO IT, AND THAT I WAS ONLY PAYING THE INTEREST NOT THE PRINCIPAL. THIS WAS NOT EXPLAINED TO ME AT THE SIGNING OF THE LOAN, NOR ON ANY PAPER WORK I SIGNED. I WOULD NOT EVER TAKE OUT A LOAN THAT I WOULD HAVE TO PAY 275 %. ME BEING IN THE MILITARY I WOULD NOT DARE TO SIGN SUCH A THING.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2016-01-27
GA
Managing the loan or lease
Consumer Loan: Installment loan
Complaint: I opened a payday loan with advance financial they immediately told me that because I took out a payday loan that I qualified for an installment loan also I ended up taking out the installment loan also. I may have made one payment on the installment loan before they told me they no longer offer payday loans or installment loans. They said I had to switch both loans to their new flex loan. Right after doing this I started asking a lot of questions which no one could answer. I spoke with a district manager who also could not explain how the loan works. This loan put me in a financial down hill spiral because they kept offering more money which I accepted but ca n't afford to repay at their interest rate. I asked them for a printout of my payment history which they stated they could not give it to me. After doing some research and talking to a financial counselor I realized they used the bait and switch tactic on me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2015-12-02
Brentwood, TN
Charged fees or interest I didn't expect
Payday loan:
Complaint: I took out a loan with advance financial under the impression that I was taking out a signature loan only to find out later I was put into a loan that would never pay off. The terms of the loan were not fully disclosed to me. I feel that full disclosure was not given to me
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief
2015-11-22
Brentwood, TN
Charged fees or interest I didn't expect
Payday loan:
Complaint: I applied for a pay day loan with this company on XXXX as I have done several times. In times past I applied for a specific amount and was given a pay schedule which told me how many payments I had to make until the loan was paid. When I applied on the XXXX I was under the impression I was applying for the same type of loan but the company changed the name of the loan to flex pay. I got a loan for XXXX and thought I would be paying about XXXX installments until the loan was paid. I called the company today to find out how much owed and I was shocked that I still owed over XXXX and I 've made XXXX payments. I was told by the representative that the way they do loans have changed and now it is an open line of credit and that if I only make the minimum payment on XXXX is going towards the principle. He said it was like a credit card. I feel that I have been a victim of predatory lending and full disclosure was given to me at the time of the loan. They changed the name of the loan. Under these terms I will never pay it off
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2015-11-22
Nashville, TN
Charged fees or interest I didn't expect
Payday loan:
Complaint: I had a signature loan with this company and when I went in to make my payment I was told that I had to covert over to their flex pay loan. Initially If I made XXXX payments I would have the loan paid off. I was tricked into changing over to this new loan with them. I was under the impression that I would still have the loan paid off when I made my XXXX payments. When I went in to make my last payment I was thinking that I was paying the loan off and the balance was still XXXX dollars. I feel that I was deceived and forced into a loan that I did not want. Full disclosure was give. I 'm a victim of deceptive predatory lending. I know the law has been broken
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief
2015-10-12
Nashville, TN
Can't stop charges to bank account
Payday loan:
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief