Tower Loan: most-reported complaints
Automated analysis of 822 public Trustpilot reviews published 2026-06-16 to 2026-09-23. TrustScore 4.8 from 30,028 total reviews — see the Trustpilot page. Quick answer: is Tower Loan legit? Issues below reflect what reviewers reported, not findings of wrongdoing.
Reviewers most often report issues with overcharging, which accounts for 25% of the 71 identified complaints. Support unhelpfulness is the next most common concern, cited in 22% of the complaints. Other issues, such as persistent contact regarding new accounts, make up 17% of the reports. Misleading pricing is reported in 14% of the complaints.
How to reach Tower Loan
These are the contact details Tower Loan publishes on its Trustpilot profile, as of our last check on 2026-09-23 — it publishes no phone number there, address P.O. Box 320001, Flowood, 39232, US.
The company claimed its Trustpilot profile on 2018-01-03, uses Trustpilot’s paid features, uses Trustpilot’s AI-assisted replies, and last replied to a negative review on 2026-09-22. Trustpilot ranks it 20 of 84 in Loan Agency. We last checked this profile on 2026-09-23 and found 43 new reviews. These are facts Trustpilot publishes about the profile, as of our last harvest.
TrustScore over time
4.8 → 4.8 across 13 census measurements since 2026-08-17. Our own record, independent of Trustpilot’s display.
Reply behaviour over time
Solid: % of negative reviews replied to. Dashed: typical days to reply. Both as reported on this company’s Trustpilot profile, recorded whenever our census re-checked it and a figure had changed — the gaps between points are not equal: 2026-08-17 (57%, 9.3d) · 2026-08-20 (57%, 9.0d) · 2026-08-24 (57%, 8.9d) · 2026-08-27 (59%, 8.6d) · 2026-09-01 (59%, 8.2d) · 2026-09-04 (60%, 8.0d) · 2026-09-07 (60%, 8.0d) · 2026-09-11 (61%, 7.7d) · 2026-09-14 (62%, 7.5d) · 2026-09-17 (62%, 7.5d) · 2026-09-20 (62%, 7.3d) · 2026-09-23 (63%, 7.2d).
Severity: 34% of this company’s 71 graded complaints were classified as severe (money lost, an essential service cut off, or a problem unresolved for months). See the harm index.
1★ share of negative reviews over time
Share of 1–3★ Trustpilot reviews that were 1★
In March 2025, 67% of 12 one-to-three-star reviews were 1★; in September 2026, 63% of 19.
Counted from March 2025 onward — the period for which our capture of 1★, 2★ and 3★ reviews is complete for all three. Months with fewer than 10 such reviews are omitted.
Reviewers here waited a median of 10.7 days between the experience and publishing their negative review (559 reviews record both dates).
US federal complaint record
The Consumer Financial Protection Bureau records 1,510 complaints against Tower Loan — most often improper use of your report (202), communication tactics (171), incorrect information on your report (162). see the CFPB database
Most-complained-about products: debt collection (476), credit reporting or other personal consumer reports (257), payday loan, title loan, or personal loan (257).
100% of complaints received a company response within the CFPB’s timeliness standard. Closed as: closed with explanation (1,508), closed with monetary relief (1), closed with non-monetary relief (1).
Official US federal complaint records, separate from our review analysis.
What their policy promises
delivery promise: 2 messages per 3 days
“Message frequency will vary but will not exceed 2 messages per 3 days.”
delivery promise: no charge
“MWe do not charge for mobile messages sent to you but you are responsible for any message and data rates imposed by your mobile provider”
Quoted verbatim from the company’s own published policy (source page); complaint counts are census classifications. As of 2026-09-16.
Policy-page monitoring
We monitor this company’s published policy page for changes. No changes have been detected since we started watching on 2026-09-01.
Automated change detection on the company’s own published policy page — a record of when the page changed, not a judgement on what changed.
Measured reply time: across 269 negative reviews that received a public reply, the median wait was 3.7 days — the company profile reports an average of 7 days. The two are measured differently: ours counts only replies we captured to negative reviews.
Reply quality: of 269 company replies to negative reviews analysed, 18% engaged with the specific problem and 66% were generic templates.
50% of its 712 recent 5★ reviews came from accounts that had written only that one review when we captured it (the median across companies is about 39%). A high share is a reason to look closer, not evidence of fake reviews.
Sector benchmark: overcharging makes up 25% of this company’s complaints vs a 14% median across 142 ranked companies in its sector.
Review velocity: 4,663 of this company’s 30,028 Trustpilot reviews (16%) were written in the last 12 months.
What are the most common complaints about Tower Loan?
Overcharging
18 reports · 25% of complaintsfalling“Seeing approximately $175 in interest added when only $20 remained to pay was something I found both illogical and incredibly unfair”
The company replied on 2026-08-05: “Thank you for sharing your concerns, Jeff. We regret this experience. Please contact us at (806) 318-2539 so we can address your concerns directly.”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“That’s when I found out they were charging more than $5 A DAY interest!! At that rate we would have never gotten it paid off!!”
The company replied on 2026-07-13: “It's regrettable to hear about your experience with interest rates and payment concerns. Please contact us at (662) 562-5681 so we can address this.”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“You added at least two insurance policies to the loan that I did not contract for, do not want, and do not need, and that I was not told would be included.”
The company replied on 2026-09-22: “We apologize for your experience. Please contact us at (504) 363-1691 so we can address the insurance policies added to your loan.”
Our classifier read this reply as a substantive response.
It promised: to make contact.
Support unhelpful
16 reports · 22% of complaintsfalling“Seeing approximately $175 in interest added when only $20 remained to pay was something I found both illogical and incredibly unfair”
The company replied on 2026-08-05: “Thank you for sharing your concerns, Jeff. We regret this experience. Please contact us at (806) 318-2539 so we can address your concerns directly.”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“Ms. Michelle has been the nicest, but the other staff members including the manager, Carmen, have been rude, disrespectful, and lacking in basic customer service.”
The company replied on 2026-09-11: “We apologize for this experience. Privacy concerns and disrespectful treatment are unacceptable. Please know that at Tower Loan we take privacy seriously and we will address this matter directly.”
Our classifier read this reply as a template response.
“I had a very frustrating experience with this online loan. It took over a week to receive my funds”
The company replied on 2026-08-26: “Please accept our apologies for the delays and frustration you experienced, Smith. We appreciate the LaPlace staff's efforts. Please call us at (662) 562-5681.”
Our classifier read this reply as a substantive response.
It promised: to make contact.
Other
12 reports · 17% of complaintsrising since 2026-09“Keeps pestering me on wanting to open a new account”
The company replied on 2026-07-29: “We take your feedback seriously. We apologize for the inconvenience caused. Please contact us at (337) 480-9394 to address your concerns directly.”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“Hi , your company sent me a fake check, everywhere I tried to deposit it they all rejected the check and you put the check is good”
“Harassment is their specialty”
The company replied on 2026-06-29: “We are sorry to hear about your experience. Please contact us at (228) 762-6375 so we can address your concerns directly.”
Our classifier read this reply as a template response.
Misleading pricing
10 reports · 14% of complaintsfalling“I am very disappointed that no one told me I had to pay a 50% APR for a refinance.”
The company replied on 2026-07-31: “We are concerned to hear about your experience, Teresa. Please contact us at (662) 562-5681 so Tower Loan can address your APR concerns directly.”
Our classifier read this reply as a substantive response.
It promised: to make contact.
1 reader marked this review helpful on Trustpilot.
“y'all did not tell me I had to pay 4,100 some dollars back”
The company replied on 2026-08-26: “We are disappointed to hear about your concern. Please contact us at (662) 562-5681 so Tower Loan can clarify your loan terms.”
Our classifier read this reply as a template response.
“The "terms" of the loan were never reviewed with me at closing.”
The company replied on 2026-08-19: “We appreciate your perspective, Michael. Your concerns about disclosure practices are noted and shared with management to ensure Tower Loan serves customers more transparently.”
Our classifier read this reply as a template response.
Aggressive collections
9 reports · 13% of complaintssteady“This account was supposed to be closed over a month ago and it’s still showing up on my credit report”
The company replied on 2026-09-08: “Your concerns are noted. Please contact us at (726) 207-3059 so we can resolve the account closure and credit report issue promptly.”
Our classifier read this reply as a substantive response.
It promised: to make contact.
“I’m done with the harassment and constantly telling them to stop calling me.”
The company replied on 2026-08-19: “We are disappointed to hear this. Please call us at (573) 348-1740 so we can address the contact concerns you have raised immediately.”
Our classifier read this reply as a template response.
“Tower Loan applied 2 hard pulls to my credit profile”
The company replied on 2026-08-12: “We are disappointed to hear about the confusion with your documents and approval process. Please contact Tower Loan at (662) 562-5681 to clarify your loan terms.”
Our classifier read this reply as a template response.
Account/app problems
8 reports · 11% of complaintssteady“I can never figure out how to log in or idk my account number”
The company replied on 2026-07-31: “We are sorry to hear about your login difficulties. Please contact Tower Loan at (662) 562-5681 for account number assistance.”
Our classifier read this reply as a substantive response.
It promised: to make contact.
1 reader marked this review helpful on Trustpilot.
“I am unable to log into my account to make a payment”
The company replied on 2026-07-27: “We apologize for falling short. Please contact us at (618) 628-7830 to resolve your login issue and address your payment concerns promptly.”
Our classifier read this reply as a substantive response.
It promised: to make contact.
“still nothing in writing stating when, where or how to pay”
The company replied on 2026-09-16: “Apologies for any inconvenience. Please contact Tower Loan at (662) 562-5681 for clear details on your loan payment information.”
Our classifier read this reply as a template response.
Compare Tower Loan with…
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Trends are computed from dated review counts only. Negative reviews are deliberately over-sampled for evidence depth; headline percentages use an unbiased recent sample only. Report updated 2026-09-23.