ComplaintsforHeights Finance

• Initial Complaint

  07/29/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter and I have felt suicidal lately as a result so I demand this matter be resolved in a fair and equitable manner, which hasn’t been done. ********** *********  These account are related to a transaction and experience that falls under the EXCLUSION section of the FCRA’s definitions; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft (as defined by the Federal Trade Commission), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least $1,000 per the civil liability section for willful non-compliance. Please DELETE this item from my consumer report! DELETE THESE ITEMS AND ISSUE ME A NEW, UPDATED COPY OF MY CONSUMER REPORT!

  Business response

  08/05/2024

  Please see the attached response. Thank you.

• Initial Complaint

  11/27/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  non stop harrassing and harassment for no reason

  Business response

  12/07/2023

  December 6, 2023
  
  ********* ****
  Via BBB online portal
  
  
  Re: BBB ID #********
  
  
  Dear Ms. ****:
  
  This letter is in response to your complaint submitted to the Better Business Bureau (“BBB”)
  received by Heights Finance Corporation (“Heights”) on November 27, 2023.
  
  In your complaint, you attached an image of a live check sent to you by our company and state
  that you are being harassed. As a result, you are requesting no further contact from Heights.
  Please be advised that we have escalated your concerns to our Marketing Department to prevent
  future marketing offers. Additionally, please review the “Prescreen and Opt-Out Notice” on the
  reverse side of the live check you received. You can choose to stop receiving “prescreened”
  offers of credit from our and other companies by calling toll-free ***************
  
  If you have any additional questions or concerns, please do not hesitate to contact our Customer
  Advocacy Team at ************** for assistance.
  
  Sincerely,
  
  
  Travis B******
  Compliance Manager

• Initial Complaint

  11/10/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I had taken this loan out back in 2018 and it had charged off in 2019 after I was already taken to court to have my wages garnished and I have never been back to work since. I have not been contacted since 2019 until this year about paying back my loan that is completely charged off. After talking to someone and asking for the paperwork that pertained to my loan, I was told that was not an option and needed to set up payment. Since that day several months ago, I am getting 5-6 calls a day if not more. I have blocked every number since I was not given what I had asked for. I would love for this to be cleared off my record and the calls to stop.

  Customer response

  11/21/2023

  
  Better Business Bureau,
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ******** *******

  Business response

  11/22/2023

  November 20, 2023
  
  
  ******** *******
  Via BBB online portal
  
  Re: BBB ID #********
  
  
  Dear ******** *******:
  
  This letter is in response to your complaint submitted to the Better Business Bureau (“BBB”)
  received by Heights Finance Corporation (“Heights”) on November 10, 2023. According to our
  records, you obtained a loan from our Marshall office in Missouri on April 9, 2018, in the
  amount of $2,975.00 and agreed to repay it in twenty-five (25) monthly installments of $119.00
  beginning May 9, 2018.
  
  In your complaint, you state that your account was charged off in 2019 and that you were
  recently contacted regarding this loan. Additionally, you state that you now receive multiple
  collection calls daily and are requesting no further contact from our company. After a thorough
  investigation, it has been determined that the last payment applied to your account was received
  on February 26, 2019. Your account has been updated and branch personnel have been notified
  to cease telephone communications.
  
  Furthermore, our records reflect that an existing balance remains on your account which is
  currently being handled by *** **** *** ******. Should you have any further questions or
  would like to make payment arrangements, please contact *** **** *** ****** at ***** **** **** for further assistance.
  
  Sincerely,
  
  
  Travis *. B******
  Manager of Compliance

• Initial Complaint

  10/18/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I had an account with ********* ******. They agreed to settle the account. I paid the settlement and received the settlement letter and they agreed to remove this entry from my credit or show current or settled in full. However, they continue to call and harass me via telephone for the $$$ owed, and they continue to report me as 120 days past due on my ******** credit report. I am giving it one more chance to resolve this issue through BBB before considering legal action with Lexington law. I just want this incorrect 120 days past due removed from my ******** report and the continued HARASSING demand for payment calls to stop.

  Business response

  11/17/2023

  October 27, 2023
  
  ******* *******
  Via BBB online portal
  
  Re: BBB ID #********
  
  
  Dear Mr. *******:
  
  This letter is in response to your complaint submitted to the Better Business Bureau (“BBB”)
  received by ********* ******* **** ************* on October 18, 2023. According to our
  records, you obtained a loan from our Dallas office in Texas on January 29, 2020, in the amount
  of $1,650.00 and agreed to repay it in eleven (11) monthly installments of $150.00 beginning
  February 29, 2020.
  
  In your complaint, you state you paid your account in full through a settlement offer, but our
  company continues to place collection calls to your number. We have reviewed your account and
  confirmed that the associated debt has been satisfied. Please be advised that this matter was
  escalated to senior management and your account was updated on May 23, 2023, to ensure that
  collection efforts were ceased. According to our records, since that date, no additional collection
  efforts have been made on your account.
  
  Additionally, you state that ********* is inaccurately reporting your account as 120 days past
  due to the credit reporting agencies (“CRAs”). As such, you are requesting an update to the
  tradeline associated with your account to ensure that it reports accurately to the CRAs. After a
  thorough investigation, it has been determined that your loan is reporting accurately to all CRAs
  as “Settled for less than the full balance” with a closure date of March 17, 2021.
  
  Should you have any further questions regarding your account, please reach out to your local
  branch or our Customer Advocacy Team at ************** for further assistance.
  
  Sincerely,
  
  
  Lanika M****
  Senior Manager of Compliance

• Initial Complaint

  10/12/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I have a loan with the company. I had a situation come up where I had to put my payments temporarily on hold. Plans are to pay it completely off next month. Asked the branch manager to stop calling my job before I lose it. She is constantly harrassing my supervisor and my supervisor is getting aggravated. I want her to just STOP calling everyone and wait until I can pay it off. Latest email uploadee.

  Customer response

  10/17/2023

  
  
  Better Business Bureau,
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ******* *****

  Business response

  10/18/2023

  October 17, 2023
  
  ******* *****
  Via BBB online portal
  
  Re: BBB ID #********
  
  
  Dear Ms. *****:
  
  This letter is in response to your complaint submitted to the Better Business Bureau (“BBB”)
  received by Quick Credit Corporation (“Quick Credit”) on October 12, 2023. According to our
  records, you obtained a loan from our ***** office in South Carolina on July 5, 2023, in the
  amount of $1,298.44 and agreed to repay it in eleven (11) monthly installments of $118.04
  beginning August 5, 2023.
  
  In your complaint, you state that you are currently unable to make a payment, but plan to pay
  your account in full next month. You further state you previously requested that branch
  personnel cease collection calls to your place of employment, but the calls have continued. As
  such, you are requesting no further contact from our company. After a thorough investigation,
  our records do not reflect any previous request to cease collection calls were made and it has
  been determined that Quick Credit branch personnel was following protocol for reaching out to
  delinquent customers. Branch personnel has been attempting to contact you in order to discuss
  payment options and assist you with bringing your account current.
  
  Please be advised that your account has been updated to ensure that no further collection calls are
  placed to your personal phone number or your place of employment. If you have any questions
  or would like to set up a payment plan, please contact your local branch directly for assistance or
  our Customer Advocacy Team at 1-866-********.
  
  Sincerely,
  
  
  Lanika M****
  Senior Manager of Compliance

• Initial Complaint

  10/09/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have been a customer of Heights for quite awhile and recently refinanced my loan through them. I however was involved in a car accident and was out of work for awhile. I called the local office and asked for a delay in payment or for a forgiveness in the loan because of my accident. They told me they could do nothing. I find it very unsettling that after a huge life event like a car accident Heights does nothing. I will be telling everyone I know to avoid Heights and will let as many people as I know not to use Heights. Heights Finance is a predatory lender.

  Customer response

  10/18/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  
  Your response is the response I expected from a not caring institution. You have zero empathy for your customers. I hope your business is sued for a large sum of money and is forced into bankruptcy.
  
  Regards,
  
  ******* ******

  Business response

  10/25/2023

  October 18, 2023
  
  ******* ******
  Via BBB online portal
  
  Re: BBB ID #********
  
  Dear Mr. ******:
  
  This letter is in response to your complaint submitted to the Better Business Bureau (“BBB”)
  received by Heights Finance Corporation (“Heights”) on October 9, 2023. According to our
  records, you obtained a loan from our ******** office in Georgia on August 30, 2023, in the
  amount of $3,954.94 and agreed to repay it in thirty-six (36) monthly installments of $189.03
  beginning October 1, 2023.
  
  In your complaint, you state that you have experienced a financial hardship and recently
  requested an extension of your payment due date, but branch personnel advised that they were
  unable to provide assistance. After a thorough investigation, our records indicate that
  management reviewed your account, and it was determined that you did not qualify for a
  deferment of your monthly payment at the time of request. This information was conveyed to
  you via a phone discussion that occurred on October 6, 2023.
  
  If you have any questions or would like to set up a payment plan, please contact your local
  branch directly for assistance or our Customer Advocacy Team at 1-866-********.
  
  Sincerely,
  
  
  Lanika M****
  Senior Manager of Compliance

• Initial Complaint

  09/27/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  In 2016, an account with Heights Finance was opened. It was sent to collections and then garnished from me and garnishment was completed on 1/21/2022. Heights Finance has been reporting this as a balance due incorrectly ever since. I filed a dispute on August 17, 2023 since it was showing a balance of $705. The dispute came back as valid even though ***** Law (the collection agency) has sent them on August 17, 2023 documents showing paid in full. September 13, 2023 they sent Heights Corp another statement showing ***. Then again they sent one AGAIN on September 14, 2023 BUT to an email I had to pry out of their corporate office and me so that I had the proof. I should not have to wait another 30 days for a second dispute when they were sent *** documents from ***** Law in 2022 and in August before the original dispute. Local branch and the corporate state they cannot give me documentation showing the balance of any past loans nor can they write me a letter stating it was collected in full they say.

  Customer response

  10/05/2023

  Better Business Bureau,
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ****** ******

  Business response

  10/06/2023

  October 5, 2023
  
  
  ****** ******
  Via BBB online portal
  
  Re: BBB ID #********
  
  
  Dear Ms. ******:
  
  This letter is in response to your complaint submitted to the Better Business Bureau (“BBB”)
  received by Heights Finance Corporation (“Heights”) on September 27, 2023. According to our
  records, you obtained a loan from our ********* **** office in Missouri on August 4, 2016, in the
  amount of $3,352.42 and agreed to repay it in twenty-eight (28) monthly installments of $134.00
  beginning September 5, 2016. Our records reflect that the account was paid in full on August 3,
  2017.
  
  In your complaint, you state that your account was paid off in 2022 through garnishment of your
  wages. You further state you disputed the account because a balance remained on your credit
  report, and you were advised that reporting was accurate. After a thorough investigation, it has
  been determined that a request to update the tradeline was submitted on September 22, 2023, to
  the credit reporting agencies (“CRAs”) to ensure that your account reports as “Account paid in
  full, was a charge-off” with an effective date of January 28, 2022. Please allow thirty (30) days
  for the update to be processed by the CRAs and to reflect on your credit report.
  
  Sincerely,
  
  
  Lanika M****
  Senior Manager of Compliance

• Initial Complaint

  09/19/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Applied for mortgage and this showed up from April 2nd 2015 This account shows when I called on it originally delete charge-off bad ride off from 2015 period it's still showing all my credit. And when I called them in June when I found this on my credit when applying for a mortgage From there it was updated so it took 30 days and then I did it again disputed it did not be changed from charge-off account to an open account and open loan as if I had just opened it no mind you it also says on there it was 7 months long opened In April of 2015 it shows no payment history of any kind I ask and begged they refused to give me the payment history the reporting credit company won't even help me they help them let it stay on my credit to make it really hard I'm trying to buy a home I'm homeless And I'm trying to do a government loan Why I'm looking at it they think because I guess it's common for people getting mortgages and having little outstanding debts like this that they just pay him off are they included in the loan or something to work these people get paid well I've begged I've cried and the lady that I've argued with so many times Uber this keeps telling me that they have a right that it is open account I owe it even though they reported it as a write off bad debt charge-off a but because I'm trying to get a mortgage so I have to get it What other reason would they also sun report it as I open loan that goes against my debt ratio that has hurt my chances I'm giving alone They don't care I want this fixed I don't want to wait 30 days they have maliciously vindictively Trying to strong army These practices have got to be illegal you go but nobody seems to care and when you file a complaint you have to wait 30 more days 40 more days. I am on the street homeless my car's broke down I'm disabled my loan was turned down because of this so I have to start all over now. I can prove malicious intent the reporting company told me that it had been changed To open account

  Customer response

  10/02/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
   I want some money Compensation for the malicious conduct of that company purposely purposely instead of removing it from my credit they showed it as an open account I in turn lost the chance to get my mortgage I'm homeless It's ruined my life I called I for months ask him to remove it told them it wasn't mine instead they updated it as an open account when then knowing it shouldn't have been on there anyway it was a wasted argument that I shouldn't even have to argue over I'm disabled I have a lot of illness and this is only made it worse the stress the depression I want compensation for this. And if you're not willing to compensate me $10000 for this I'll get a lawyer because I'm sure yearn it taking it to coral be worth a lot more people can't do this to people you can't ruin their lives and intentionally maliciously do this stuff to people because it truly affects them it's affected everything that 1 thing messed up so much in my life it messed up for me getting my mortgage it messed up for me getting any repairs done to be up to where I can't even get A place to live to rent and I'm on the street I'm sick of it I'm sick of being done this way by people take it in advantage and not caring somebody's going to be accountable for something they do and what this people dead is outrageous And I'm sure that a jury of my peers will feel the same way because I'm sure I'm not telling when it's had this done to that small bushes and intentional harm I begged I cried and asked him to remove this and they refused the girl laughed at me I'm done playing with people that treat the little person this way it's not right it's not Fair and I'm gonna stand up I have nothing more to lose
  
  Regards,
  
  ***** ****

  Customer response

  10/17/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. 
  
   Because  I requested it to be resolved  months ago  it wasn't done I'm a timely  fashion oy when I brought the bbb into it. I want every recording were I called and spoke to people that  refused even telling either was their right to show it as open. And when I reported it to the credit bureau's  all 7 times it wasn't promptly  taken care of i had to contact bbb and attorney  to get this  done so mo I'm not setting  I want to be paid for my time my enabling  to get  a mortgage  and the rudeness to me the treatment I'm homeless  needed that corrected and was laughed at treated so wrong by the company  every time I called and by the credit reporting companies. So no I refuse this I will give it to my attorney. I cried and begged for it to be fixed so no I want reimbursed  for what was done  to me

   
  
  Regards,
  
  ***** ****

  Business response

  10/17/2023

  September 28, 2023
  
  ***** ****
  Via BBB online portal
  
  Re: BBB ID #********
  
  
  Dear Ms. ****:
  
  This letter is in response to your complaint submitted to the Better Business Bureau (“BBB”)
  received by Covington Credit, Inc. (“Covington”) on September 19, 2023. According to our
  records, you obtained a loan from our ********* office in Tennessee on April 2, 2015, in the
  amount of $364.00 and agreed to repay it in seven (7) monthly installments of $52.00 beginning
  May 2, 2015. Our records reflect that the account was charged off on October 27, 2015.
  
  In your complaint, you state you attempted to purchase a home and applied for a loan, but a
  charged off account from Covington appeared on your credit report. After a thorough
  investigation, it has been determined that your account is no longer reporting to two of the credit
  reporting agencies, Equifax and Experian. We identified that the account was still reporting to
  TransUnion and as such, a request to delete the tradeline has been submitted. Should you have
  any additional questions regarding the account in question, please contact TransUnion directly or
  our Customer Advocacy Team at (866) ********.
  
  Sincerely,
  
  
  Lanika M****
  Senior Manager of Compliance

  Business response

  10/17/2023

  October 13, 2023
  
  ***** ****
  Via BBB online portal
  
  Re: BBB ID #********
  
  
  Dear Ms. ****:
  
  This letter is in response to your follow up correspondence to the Better Business Bureau (“BBB”)
  received by Covington Credit, Inc. (“Covington”) on October 4, 2023. As stated in our original
  response dated September 28, 2023, after a thorough investigation, it was determined that your
  account was still reporting to TransUnion. Upon identification of the error, a request to delete the
  tradeline was submitted immediately.
  
  We understand your disappointment that this issue occurred. However, the error was promptly
  resolved once identified as required. Should you have any additional questions regarding the
  account in question, please contact TransUnion directly or our Customer Advocacy Team at (866)
  ********.
  
  Sincerely,
  
  
  Lanika M****
  Senior Manager of Compliance

• Initial Complaint

  09/19/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This creditor is reporting inaccurate info on my credit report . Ive communicated with the IRS and any company that still reporting a chargeoff on a consumer report after they got it written off is illegal they discharged the debt , got a tax write off , yet still reports it on my credit report under charge off status and still trying to collect . This is tax fraud . this account has to be deleted or i will seek litigation . I still havent received a response from them

  Business response

  10/09/2023

  September 28, 2023
  
  ******** *****
  Via BBB online portal
  
  Re: BBB ID #********
  
  
  Dear Ms. *****:
  
  This letter is in response to your complaint submitted to the Better Business Bureau (“BBB”)
  received by ********* ******* **** ************* on September 19, 2023. According to our
  records, you obtained a loan from our Beaumont office in Texas on May 14, 2019, in the amount
  of $882.00 and agreed to repay it in nine (9) monthly installments of $98.00 beginning June 14,
  2019. Our records reflect that your account was charged off and subsequently sold to National
  Credit Adjusters, LLC (“NCA”) on September 30, 2022.
  
  In your complaint, you state that we are reporting inaccurate information to the credit reporting
  agencies (“CRAs”) and claim that we are illegally reporting information to the CRAs because
  your account has been charged off. You further state that we continue to make collection
  attempts on the account despite the charge-off status and, as such you are requesting deletion of
  the tradeline to ensure that it no longer appears on your credit report. Please be advised that
  charged off debt is not cancelled or forgiven, and your account may continue to report to the
  CRAs. We have verified that your loan is reporting accurately as “charged off and sold”.
  Covington has ceased collection efforts on the account as we no longer own the debt and denies
  that it is furnishing inaccurate account data.
  
  After a thorough investigation, it appears that our company has not violated any federal or state
  laws and as such, your request to remove accurate information from your credit report will not be
  granted. Should you have any additional concerns regarding your account, please contact the
  debt buyer, *** at ***** *********
  
  Sincerely,
  
  
  Travis *. B******
  Manager of Compliance

• Initial Complaint

  09/06/2023

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  When I got a loan with Height's Finance in Mt. Vernon il they took the title of my car. I have since paid off the loan and they will not give me the original title to make car back. The gave me their copy of the title with their name still on it.

  Business response

  09/28/2023

  September 13, 2023
  
  ****** ****
  Via BBB online portal
  
  Re: BBB ID #********
  
  
  Dear Ms. *****
  
  This letter is in response to your complaint submitted to the Better Business Bureau (“BBB”)
  received by Heights Finance Corporation (“Heights”) on September 6, 2023. According to our
  records, you obtained a loan from our Mt. Vernon office in Illinois on July 24, 2023, in the
  amount of $2,880.62 and agreed to repay it in twenty-five (25) monthly installments of $170.00
  beginning September 3, 2023.
  
  In your complaint, you state you paid your account in full and we have not provided you with the
  title to your vehicle. You further state that you received a copy of the title, but your name was
  not included on the document. After a thorough investigation, it has been determined that you
  discussed this matter with the District Manager on September 8, 2023. During this conversation
  via phone call, he explained to you that the title you received after paying the loan in full had
  been stamped and signed, releasing the lien created upon origination of the loan. As such,
  Heights no longer has a lien on the vehicle and the title may be used to sell, trade-in, or give
  away the vehicle. Should you have further questions regarding your account, please contact the
  branch directly at ***** ********.
  
  Sincerely,
  
  Lanika M****
  Senior Manager of Compliance

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩