Total CFPB complaints
410
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 410 complaints
Tower Loan of Mississippi, Inc. — Debt Collector Complaint Profile
CFPB complaint profile across 23 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Tower Loan of Mississippi, Inc.
- Communication tactics
Communication tactics
141 complaints
- Attempts to collect debt not owed
Attempts to collect debt not owed
69 complaints
- Took or threatened to take negative or legal action 46
Took or threatened to take negative or legal action
46 complaints
- Threatened to contact someone or share information improperly 19
Threatened to contact someone or share information improperly
19 complaints
- False statements or representation 17
False statements or representation
17 complaints
- Written notification about debt 11
Written notification about debt
11 complaints
D
Grade D · 59.1/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about Tower Loan of Mississippi, Inc.?
Tower Loan of Mississippi, Inc. has accumulated 410 total CFPB complaints across 23 states, with 82 filed in the most recent 12 months against 328 historical complaints before that window. The trailing-12-month volume represents 20.0% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Communication tactics", narrowing to "Frequent or repeated calls", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 12% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 23 states, led by Louisiana with 106 and Mississippi with 102, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 59.1/100 places Tower Loan of Mississippi, Inc. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
82
20.0% of total history
Rising ↑
States active
23
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
12%
After company response
Reputation grade
D
59.1/100 composite
Response-quality profile
How Tower Loan of Mississippi, Inc. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
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) 24.1%
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?
Tower Loan of Mississi… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-03 2026-03
Top Consumer Issues
Communication tactics141 (%)
Attempts to collect debt not owed69 (%)
Took or threatened to take negative or legal action46 (%)
Threatened to contact someone or share information improperly19 (%)
False statements or representation17 (%)
Written notification about debt11 (%)
Most common issue: Communication tactics — Frequent or repeated calls
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Communication tactics | Frequent or repeated calls | 92 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 49 |
| Attempts to collect debt not owed | Debt is not yours | 38 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 35 |
| Threatened to contact someone or share information improperly | Talked to a third-party about your debt | 19 |
| Attempts to collect debt not owed | Debt was result of identity theft | 19 |
| False statements or representation | Attempted to collect wrong amount | 17 |
| Attempts to collect debt not owed | Debt was paid | 12 |
| Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | 11 |
| Written notification about debt | Didn't receive enough information to verify debt | 11 |
Where do complaints against Tower Loan of Mississippi, Inc. come from?
The states where consumers have filed the most CFPB complaints against Tower Loan of Mississippi, Inc.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Tower Loan of Mississippi, Inc.
Across 23 states with at least one filing
- Louisiana
Louisiana
106 complaints
- Mississippi
Mississippi
102 complaints
- Missouri
Missouri
62 complaints
- Texas 38
Texas
38 complaints
- Alabama 34
Alabama
34 complaints
- Illinois 26
Illinois
26 complaints
- Georgia 6
Georgia
6 complaints
- Tennessee 5
Tennessee
5 complaints
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 410 complaints filed with the CFPB.
Are complaints against Tower Loan of Mississippi, Inc. increasing or decreasing? ▼
Complaints against Tower Loan of Mississippi, Inc. are rising. The company received 82 complaints in the last 12 months, indicating an upward trend in consumer issues.
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). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 Louisiana (106 complaints).
What can I do if Tower Loan of Mississippi, Inc. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Tower Loan of Mississippi, Inc. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |