Payday loan, title loan, personal loan, or advance loan -- Charged fees or interest you didn't expect -- Complaint #13727761
Complaint Overview
Complaint ID: 13727761
Company: Harpeth Financial Services, LLC
Product: Payday loan, title loan, personal loan, or advance loan
Sub-Product: Personal line of credit
Issue: Charged fees or interest you didn't expect
State: Texas
ZIP Code: 76123
Date Received: 2025-05-26T12:00:00-05:00
Date Sent to Company: 2025-05-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I have to explain how I crossed paths with this company to explain how I was ended up doing business with a lender from Tennessee while living in Texas. I used an app called XXXX XXXX that offers cash for games, credit building features, cash advances and etc. The app said that that they have partnered with lenders and you can apply for a loan. I didnt want a payday loan because I am familiar with the high interest rates. So I filled in my info and they matched me with lenders that I qualified for. Out of all the lenders XXXX ( Advanced Financial XXXX ) appeared to be the most interested as they were calling and emailing. I spoke with someone and they explained the company, the loan and repayment. Too good to be true! I follow through with the signup process, received my loan in less than 5 minutes and set up payments I could afford on my payday. WRONG! Not only did they trick me but it was not a credit building personal installment loan, it was not a high interest payday loan, it was a ridiculously 98.5 % interest loan to where only 1.5 % of all payments I make go towards the amount borrowed. Not only that but I accrue fees DAILY on top of all that. So if I give them {$100.00} as promised on my payday only {$1.00} would count towards the loan. Ive made several payments and payment amounts due in the future increases daily. If I continue to pay what I can afford in the initial agreement I could be paying close to {$4500.00} for a {$1000.00} loan!!! Please help I am victim of my financial circumstances and fell into a trap by a predatory lender. Theyve caused me to XXXX beyond belief, I have 2 young boys to provide for and if this continues they will suffer as well I am the primary bread winner. When I do speak to them and explain Ive been misled and tricked, they treat me as less than ( all conversations are recorded ). They have access to my XXXX XXXX account, routing number and debit card info! They randomly debit my account and each payment I make towards the loan changes. I feel violated and lied too! I have a lawyer through my job and I am current on all payments on the loan. Before continuing with a legal team I want to try and settle the dispute and repay a fair amount as I was lied to from the beginning. Todays XXXX XXXX XXXX XXXX I will reach out to my legal team on the next available day for advice. Thank you!!
Frequently Asked Questions
What is Complaint #13727761 about?
Complaint #13727761 was filed against Harpeth Financial Services, LLC regarding Payday loan, title loan, personal loan, or advance loan specifically about Charged fees or interest you didn't expect. It was received by the CFPB on 2025-05-26T12:00:00-05:00.
How did Harpeth Financial Services, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Payday loan, title loan, personal loan, or advance loan) and describe your issue in detail.
Can I see other complaints against Harpeth Financial Services, LLC?
Yes, visit the Harpeth Financial Services, LLC company profile at readthecomplaint.com/company/harpeth-financial-services-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.