This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

CFPB complaint data Grade D 460 complaints

Tower Loan of Mississippi, Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 23 states, reputation grade D.

Complaints by issue type

What consumers report about Tower Loan of Mississippi, Inc.

complaints
Source CFPB Consumer Complaint Database

Data updated July 2026

D

Grade D · 59.1/100 composite

This collector has a poor complaint record with above-average complaints and below-average response rates.

Based on consumer-filed CFPB complaints, not proven violations or a court finding of wrongdoing.

The verdict

A reputation grade of D: Tower Loan of Mississippi, Inc. ranks ahead of 39% of the 5,283 collectors PlainCollector grades - 61% keep a cleaner CFPB record, on 460 all-time complaints and a 100% timely-response rate.

39th pct
reputation rank of 5,283 graded collectors
460
CFPB complaints, all-time
100%
answered inside the CFPB window
118
in the last 12 months (stable)

Grades are relative: every collector is ranked against the others, so an A reflects a cleaner record than peers, not a clean bill of conduct. A complaint is a consumer filing, not a proven violation.

What do CFPB complaints reveal about Tower Loan of Mississippi, Inc.?

Tower Loan of Mississippi, Inc. has accumulated 460 total CFPB complaints across 23 states, with 118 filed in the most recent 12 months against 342 historical complaints before that window. The trailing-12-month volume represents 25.7% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.

The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls". The company posts a 100% timely-response rate against a 12% consumer-dispute-after-response rate.

Complaints have been recorded across 23 states, led by Mississippi with 119 and Louisiana with 115. Normalized against the full CFPB collector database, the reputation score of 59.1/100 places Tower Loan of Mississippi, Inc. in grade band D.

How to read a complaint count →

Complaint Summary

Total CFPB complaints

460

mid-volume (CCDB)

Last 12 months

118

25.7% of all-time complaints

Stable →

States active

23

multi-region footprint

Timely response rate

100%

excellent band

Consumer disputes

12%

average (vertical avg ~19%)

Reputation grade

D

59.1/100 composite

How does Tower Loan of Mississippi, Inc.'s reputation rank nationally?

Reputation score vs. every graded collector

PlainCollector composite reputation score (0–100, higher = cleaner CFPB record)

59 39th percentile higher than 39% of 5,283 graded collectors

0–10: 0 graded collectors (0%). Below this entry. 10–20: 3 graded collectors (0%). Below this entry. 20–30: 29 graded collectors (1%). Below this entry. 30–40: 160 graded collectors (3%). Below this entry. 40–50: 583 graded collectors (11%). Below this entry. 50–60: 1,469 graded collectors (28%). This entry sits in this band. 60–70: 1,364 graded collectors (26%). Above this entry. 70–80: 871 graded collectors (16%). Above this entry. 80–90: 660 graded collectors (12%). Above this entry. 90–100: 144 graded collectors (3%). Above this entry. This collector 0 100 every graded collector, bucketed by value

Each bar is a band; taller bars hold more graded collectors. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source PlainCollector composite of CFPB Consumer Complaint Database · 2013–2026

Response-quality profile

Tower Loan of Mississippi, Inc. versus the debt-collection vertical average.

Timely response within SLA 99.5%
Vertical avg

CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.

Consumer dispute rate (post-response) 12.0%
Vertical avg

Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.

State coverage breadth 41.1%

Share of US states + territories with at least one filed complaint against this collector.

How does Tower Loan of Mississippi, Inc. compare to its peers?

How does Tower Loan of Mississippi, Inc. compare? Versus a similar-volume peer and the national average, drawn from 10 collectors with a comparable complaint count
Tower Loan of Mississi… National average
Complaints (last 12 mo)lower is better
118
214
268
Timely-response ratehigher is better
100%
36%
91%
Consumer-dispute ratelower is better
12%
11%
19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2022-04 2025-05

Issue Detail Breakdown

Issue Sub-Issue Complaints
Communication tactics - 167
Attempts to collect debt not owed - 84
Took or threatened to take negative or legal action - 79
Threatened to contact someone or share information improperly - 37
Written notification about debt - 30
Improper contact or sharing of info - 25
False statements or representation - 21
Cont'd attempts collect debt not owed - 8
Taking/threatening an illegal action - 5
Disclosure verification of debt - 3

Where do complaints against Tower Loan of Mississippi, Inc. come from?

Tower Loan of Mississippi, Inc.'s own per-state count, not a national baseline.

Top states by complaints against Tower Loan of Mississippi, Inc.

Across 23 states with at least one filing

complaints
Source CFPB Consumer Complaint Database

What to do if Tower Loan of Mississippi, Inc. contacts you

A grade of D signals how Tower Loan of Mississippi, Inc.'s CFPB record compares to peers, here is how to act on it.

  • Demand written debt validation within 30 days of first contact, collectors must prove the debt is yours. Validation letter
  • Confirm the caller is really Tower Loan of Mississippi, Inc. and not an impostor before paying anything. Verify a collector
  • Know your FDCPA rights, you can stop calls and report harassment. Your rights
  • See how Tower Loan of Mississippi, Inc. ranks against every other collector by complaint record. Browse rankings

Complaint counts and grades reflect the public CFPB record, not a regulator's finding of wrongdoing or legal advice. For your specific situation, consult a licensed attorney.

Frequently Asked Questions

What is the most common complaint against Tower Loan of Mississippi, Inc.? ▼

The most common issue consumers report about Tower Loan of Mississippi, Inc. is "Communication tactics", specifically "Frequent or repeated calls". This is based on 460 complaints filed with the CFPB.

Are complaints against Tower Loan of Mississippi, Inc. increasing or decreasing? ▼

Complaints against Tower Loan of Mississippi, Inc. have been stable. The company received 118 complaints in the last 12 months.

What is Tower Loan of Mississippi, Inc.'s reputation grade? ▼

Tower Loan of Mississippi, Inc. has a reputation grade of D (score: 59.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Tower Loan of Mississippi, Inc. respond to consumer complaints? ▼

Tower Loan of Mississippi, Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 12% of cases.

In how many states does Tower Loan of Mississippi, Inc. operate? ▼

Tower Loan of Mississippi, Inc. has received CFPB complaints from consumers in 23 states, with the most complaints from Mississippi (119 complaints).

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.