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Tower Consulting Group

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Tower Consulting Group Reports & Reviews (38)

• Oct 13, 2025
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So I got a voicemail today from a guy named James Owens (770-741-4340), who proudly claimed he was with the "delivery department." According to James, some very important documents were scheduled to be delivered to either my home or my workplace by 8 PM tonight regarding a past-due balance with Capital One.

Here’s where it gets good: I live in one state and work in another. So unless James moonlights as a teleporting wizard or has a twin on standby, I’m not quite sure how that delivery plan was supposed to work. Either way, I was intrigued.

Naturally, I called back. That’s when I got connected with Amy. She informed me that they had done their research and knew how much I make, how much is in my bank accounts, and even had copies of two forms of ID. But when I asked which ones, she suddenly couldn’t remember. Convenient, right?
I then asked where and when this mysterious demand letter had been sent. Amy confidently rattled off an old address of mine and said it was mailed out over 48 days ago. Since I hadn’t received it, she said she’d kindly ask the legal department to hold off on the judgment. How thoughtful!

Then came the offer: I could pay $550 today, and then $277 a month going forward. I asked for the last four digits of the Capital One account and the open date... crickets. I asked what would happen if I couldn’t pay the $550 today... more crickets. She put me on hold, then came back with a revised deal: If I could cough up $277 today, they’d hold off the judgment. If not? I’d be “served” in 7–10 days.

At one point, Amy casually dropped that they had reviewed my bank records and already knew what I could afford. Wow. That’s some next-level budgeting assistance right there.
But here’s the real kicker: They never properly identified themselves at the start of the call, didn’t mention any of the fair debt collection language you’re supposed to hear, and couldn’t give me basic info like account details because—get this—“it’s all in a sealed packet waiting to be sent to you.”

ONE sealed packet. Just one. Apparently, the entire operation hinges on this top-secret envelope. And here’s the cherry on top: I’d only get to see the contents after I made a payment. Amy swore they’d email it to me. Sure, Amy. Totally sounds legit.

Please don’t fall for this nonsense. These folks rely on panic and pressure to get you to hand over your money. Stay calm, ask the right questions, know your rights, and don’t trust people who can allegedly time-travel to deliver debt notices.

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Received two voicemails from an Andrew Sever who said he is with delivery dept of document procedures and conduct. Regarding a sealed document scheduled to be delivered to my home or place of employment. He stated that if no contact was established this will be escalated and classified as failure to comply. He left me this number to call back 888 980 5828. Which I called and they said they were mediation. They knew who I was and all my info rt away and hadn’t even asked me anything. They threatened to take me to court , garnish my wages, put a lien on my vehicle and levy my bank account. When asked for proof of debt(which they claim is an emerge Mastercard from 2004 I have no recollection of) they claimed it was sealed evidence and would not provide me any. I asked for them how do I know this isn’t a scam and they rattled of the website and all about the business. So they got me for 1 payment. Now I’m wondering if this is a scam. I looked up the address and it has a directory of all the businesses in the building and they are not on there. Also called the number on their website and it is not a working number

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I work for a bank it’s common practice, and doesn’t show on your report. This company is legit, thank god I worked overtime but if THEY call you it’s legitimate and they will work with you, I spoke with Emily and she was lovely I can renegotiate in 6 months

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My bankruptcy was filed on 01/08/2014 settled on 08/09/2014, docket #14-70007. Jason Rivers left me a threatening voicemail and I called the number and talked with a Celeste Brazza. She requested $800 to be paid that day and I told her it was already settled in the bankruptcy in 2014. Celeste put me on hold and got in touch with a Loriann in the payment department. Even after destroying my credit card my credit union could not stop $250.00 being removed from my account. On my way to close my account and open a new one. Apparently they use different numbers so that the payments can’t be stopped! Beware of them! I want my money back!

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They called me and said that I was being sued for $4,943.28 over an old HSBC credit card from 2001... Who remembers anything from 2001? Seriously? There was nothing on my credit report and I found these negative reviews online so I hung up the phone on them... a week later THEY SERVED ME A SUMMONDS, my original $4,000 balance increased to over $7,000, and they placed a judgement against me. I tried to call them back to see if I could work with them outside of court but they told me it was too late because I already got served. This is not a scam and now I'm stuck with a judgement against me.

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Time-barred debt is old debt that a debt collector cannot sue you to collect, as it has reached the statute of limitations, but they may still attempt to collect. The statute of limitations on debt is four years. They have four years to bring a lawsuit; otherwise, the debt becomes time-barred.

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Negative it’s different in every state and companies by old debt therefore making it not as old as we think it is

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Was called about Chrysler having a civil lawsuit on me. I paid $2500,00 on Feb 28, 2023, this year to them, and they are calling me one more time that I have a civil lawsuit by Chrysle. They were changing me with a $10,000.00 dollar for the civil lawsuit. I argued with them that I paid them and they needed proof a bank statement. I asked them why do I have to do that if they have the information them selves. They hang-up the f phone on me.
Photo 1 proof in review #17534435 about Tower Consulting Group

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I was contacted by Tower Consutling group regarding an account I allegidly held with Capital One in 2005. Same story as everyone else. I didnt remember the account, the balance was really high, wanted me to pay or I was going to go to court. I was sent documents to sign and settle the account. I did my research and read the reviews. I decided not to pay and ignore the calls. About 3 weeks later I was served a summons to appear in court for this account. Not only was the account ligitamite, but my balance was also increased to cover the court filing fees. I was in complete shock over this. After much research, Capital one had sold my account to collections. It was sold about 6 time and was removed from my credit report. Tower Consulting group purchased my debt from one of the collection agencies and is now allowed to pursue me for the balance. I wish I would have known this information before. I know there are alot of scams out there but my experience has been different than the others on here.

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Im glad I did my research and called chase bank prior to doing anything. Julie Bowers is the person I dealt with as well and called and said I owed for a chase bank credit card from 2005. I’ve never had a chase bank credit card and pulled my report to verify that. I was barely out of high school at that time. She wanted me to also pay right over $3,000. She said that a summons would be served and I would have to go to court unless I paid or got on a payment plan to stop court proceedings. Even if I did have this debt im pretty sure it would have been charged off by now. This is totally a scam do not give them any information.

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They called claiming they were trying to serve me a summons to court for some credit card I never had and said if I don't pay now or set payment arrangements it would be an additional $3500 for lawyer and court fees. Luckily I realized after I hung up and canceled my debit card.

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What they are doing is terrible. They’re a bunch of crooks.

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They almost got me for well over three grand… I can’t believe I almost fell for it… this has to stop. How can this even be legal? And I still keep getting calls… I just ignore them. Yeah I was told that I owe money for some Providian things that I know nothing about $3184 I think not and it’s from 13 years ago? I know nothing about this and I don’t appreciate Avery Williams reaching out to me and getting me so upset like that. … it’s a bunch of crooks.! Julie Bowers sent me those bogus documents, no I would never sign those! And I only had a 30 minute window mind you a 30 minute window to pay it and if I didn’t pay it, they said that they were going to see me in court so be it! Take me to court if it’s really gonna happen I’m ready let’s do this. Seriously I’m ready to shut this company down!.

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I received numerous phone calls and they even contacted my daughter. I made 1 payment and then did research on an old card they said I had from HSBC. When I called the credit card company they knew nothing of this. I cannot get them to validate proof of debt other than a credit card number and the amount. Please let me know if anyone else is experiencing the same problem

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Yes they are a scam, I happened to be a victim but I am glad I have been able to get back my money.

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I received a call from her recently as well I signed the documents and started making payments is this a scam?

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Tower consulting group said I owe over 2,000.00 from a past credit card debit I never used and said if I don't pay I would have to go to court and they would not tell me what was purchased on the credit card. They have been taking 75.00 out of my checking every 2 weeks. How do I stop them AM I being scammed and Jie Biwers is the docusign person. They are in chino hills Ca.

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I don’t see how they would even be able to do that… because in my opinion, these people are a scam OK so I’m curious as to how it got to that point where they were even able to do that… do you have an attorney?

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I’m having the same issues. Don’t know what to believe but the credit card company has no documentation of what Tower Group is talking about

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Tower Consulting group also called me and said I owed over 2,000.00 but they would not tell me what it was for or what the purchases were and if I don't pay I have to go to court. They are taking 75.00 from me every two weeks and Julie Bowers is the Docusign person.How do I stop them?

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I received a call stating I owed credit cards over $1,700 and now being sued. I will await papers to go to court. They have my name, ss# home address. The number came up verified. I told her I will await the summons. Is this a scam?

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Yes it is. No one is going to call you to court, it's all part of there lies they tell. I am glad I was saved from the hands of this individuals

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Tower consulting group said I owe capital one 2, something dollars.they said I had a credit card in 2006 I didn't have one. They said they were going to sue me. I believed them I signed a document email. Is this really a scam did we just get screwed help

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• Nov 07, 2024
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This happened to me yesterday I was freaking out. Don't remember having a card. I went and changed my card. They got 1 payment though

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It is a scam and there is a way out

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Tower consulting group contacted me back In. April 2022 said I owed 1500. To capital one credit card from 1999. I said I have 3 cards from capital one at that time why did they ok them if I owed. They threatened me with garnishment which would put my job on the line. So I have been paying them 211.00 monthly since April! How do I stop this? I'm so mad at myself for not looking into this sooner. Please help!

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I’ve paid one payment and read all the scams about them. Have you found out anything

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They said I owe a credit card bk in 2007 capital one I don't even remember having one I give them my information but am going to stop it bc it don't said rite they going to have to take me to court

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- Grain Valley, MO, USA
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I was called on June 8, 2020 by Jason Edwards, a debt collector working for Tower Consulting Group, LLC. He said that I owed $751.11 from an old debt and I did not try to take care of it when I received notice by mail. He had my ss# as well as my late husband’s. Said the creditor was Credit One Bank. We have never had an account through them. I ended up paying by credit card after being so scared I would be summoned to court, put lien on my property, and owing $2.889.93 which were all threatened. I now have to fight this charge as a dispute plus I am out the money. They also used Docusign- Julie Bowers sending this to complete transaction all looking legitimate. Today when I called the phone number they used to scam me - the company is TCG and Associates. Please Stop these people from scamming anyone else.

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But yeah, the first thing she said was you’re gonna be going to court I was like what are you talking about? I am so glad that I came across this forum because I don’t understand this at all. It’s very nerve-racking to say the least and then the documents. Give me a break like I’m really gonna give out my bank information!

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I just went through this today. I’m still very very upset. She almost got me for $3184…. She could not even tell me any information she said that she wasn’t allowed to…. And that if I didn’t pay this amount owed and signed the documents within 30 minutes, they only give you 30 minutes that was another red flag to me…. I said no way she didn’t like that very much. She proceeded to call back. I just hung up….. this is awful what they’re doing I mean this is something that’s over 15 years old that I don’t know. Nothing about nothing I know nothing about this and she couldn’t even tell me anything so I’m glad that I came across this about the tower group, because yeah, I have been very upset all day about this.

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I was scammed yesterday by Tower Consulting Group out of $751.11. Pressured me by calling and threatening court proceedings, lien on property, etc. They kept me on phone and I should have hung up, said I would owe $2,889 if I didn’t pay today. Used name of Jason Edwards and knew all my private information like ss# for me and my late husband. Prey on widows with good credit. Julie Bowers is the Docusign agent. All these names are probably fictitious. I just pray my credit card company will help me get back my money.

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Tower Consulting Group Contacts

Tower Consulting Group associated photos:


Address:

310 N Indian Hill Blvd #355 Claremont, CA 91711, USA

Phone:
+1 (855) 430-2649 0 0
+1 (866) 509-8468 0 0
+1 (888) 839-0406 0 0
+1 (866) 267-5660 0 0
+1 (866) 352-2744 0 0
+1 (844) 475-2103 0 0
+1 (833) 781-5220 0 0
+1 (844) 761-1996 0 0
+1 (949) 404-3072 0 0
+1 (949) 568-6419 0 0
+1 (267) 553-4217 0 0
+1 (949) 567-6417 0 0
+1 (615) 236-8914 0 0
+1 (833) 412-5709 0 0

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 www.towerconsultinggroup.com

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