I was shocked at that and said then just fix it like the past two months (I said a lot more than that actually). I asked would I get the $10 overcharge credited back to my account and was told No. I attempted to pay and was told I had a $10 late fee and was asked would I like to go ahead and pay and include the late fee. The next month on May first I called to make a payment and it was the exact same problem all over again, late notices and all. Then a week later I received a final late notice, so I called them immediately and they told me to disregard it. Then three days later I received a late payment notice from them which I ignored. Two days later I called back and it was fixed and I made my payment. I’m not an idiot who accepts that a “computer” can give an accurate credit review. As a bit of background I have a lot of experience with credit, credit scores and debt. They apparently don't care about good customer service. My advice is to steer clear from Tower Loan and especially the one in Columbia, MO. I’m mortified that the store has been notified of a reduced approval and angry that nobody can discuss WHY. I honestly feel as if my business is meaningless to them and since no interest is collected, my situation doesn’t matter. Because the store we purchased furniture from is reputable and it is an interest free loan, I relented. I am an educated consumer that would never use Tower Loan and their outrageous interest rates. He then backpedaled that they would be able to guide me as to the troubled areas of our credit. I explained that there was no way a third party would know why Tower’s COMPUTER approved us for one amount instead of what was requested. He then said a credit counselor (not with Tower-they don’t have them) would be able to tell me why I did not get what was requested. I asked why situations as mine aren’t reviewed, and was told they don’t have the manpower or time to look at all “approved” applications in which an individual isn’t satisfied (or in my case curious). However a human does look at all DENIED applications to see if their people can see something different than the computer to get someone approved. No human will review an application approves for less. and determines what is an approvable amount. He told me a computer analyzes a request for credit, looks at many factors such as income, length on job and length at residence, etc. Secondly, nobody in the entire Tower Loan organization can tell me why my loan was approved for less than what was requested.
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