Bonnie's Pets

Initial Business Response / [redacted] (1000, 5, 2016/09/07) */ Heights Finance Corporation (HFC) is in receipt of the referenced complaint As a review of HFC's records identified no account in the customer's name, HFC is unable to take any action on the customer's behalf In order to assist the customer with identification and removal of any erroneous HFC trade-line from the customer's credit report, the customer will need to take one of the following actions: Submit a dispute regarding the HFC trade-line in question with each of the three credit reporting agencies via the credit reporting agencies' websites; or Contact HFC at XXX-XXX-XXXX to provide additional information necessary for HFC to identify the erroneous trade-line and take appropriate corrective action HFC looks forward to working with the customer to resolve this matter

? This letter is in response to complaint number [redacted] filed against Heights Finance Corporation (“HFC”).? HFC strives for the best in customer satisfaction and appreciates the opportunity to respond to this complaint.? HFC’s records indicate the following:June 6, 2016: HFC was awarded Judgment in the amount of $1,301.70.July 26, 2016:? The complainant’s account was charged off due to missed paymentsApril 13, 2018: HFC filed a garnishment in the amount of $1,673.18, including interest and court fees, under which the following garnishment payments have been received.May 11, - $157.66May 24, - $176.29June 7, - $168.12April 23, 2018: HFC received the debtor’s answer stating she is exempt from garnishment.? Since no proof of exemption was provided, HFC requested a garnishment hearing, which was scheduled by the court for May 21, 2018.May 3, 2018: The complainant contacted HFC’s office and HFC advised her that, since HFC did not receive any proof of exemption, HFC requested the garnishment hearing on May 21, In addition, HFC offered the complainant a garnishment extension to help her save money on court costs and offered her a fixed amount (instead of a percentage) to be withheld from each of the complainant’s paychecksThe complainant refused both offersMay 21, 2018: ? An HFC team member attended the complainant’s garnishment hearingThe complainant provided proof that she is exempt from garnishment through July 1, 2018.June 4, 2018:? The complainant contacted HFC’s office and wanted funds back that had been garnished from her paychecks during the time she was exempt.? HFC advised her that she would need to coordinate a request for a return of funds through her employer? ? ? ? HFC advised her that it would be beneficial to setup a garnishment extension to save time and money, but she refused this offer.July 2, 2018:? HFC filed garnishment 2016SC1108C which showed that the total amount due had been reduced from $1,to $1,HFC strives to provide Star Service to each and every customer and hopes HFC hopes the above response will satisfy and resolve this complaint?

This letter is in response to complaint number *** filed against Heights Finance Corporation (“HFC”). HFC strives for the best in customer satisfaction and appreciates the opportunity to respond to this complaint. On May 3, 2018, *** ***, district manager, spoke with
the complainant regarding her concern. At the conclusion of this conversation, HFC agreed to refund the $late charge back to the complainantThe complainant thanked Mr*** and HFC feels this matter is resolved HFC strives to provide Star Service to each and every customer and apologizes for any frustration the complainant has experienced. Tell us why here

Initial Business Response /* (1000, 5, 2016/09/07) */
Heights Finance Corporation (HFC) is in receipt of the referenced complaint As a review of HFC's records identified no account in the customer's name, HFC is unable to take any action on the customer's behalf In order to assist the customer
with identification and removal of any erroneous HFC trade-line from the customer's credit report, the customer will need to take one of the following actions:
Submit a dispute regarding the HFC trade-line in question with each of the three credit reporting agencies via the credit reporting agencies' websites; or
Contact HFC at XXX-XXX-XXXX to provide additional information necessary for HFC to identify the erroneous trade-line and take appropriate corrective action
HFC looks forward to working with the customer to resolve this matter

This letter is in response to the complaint filed by *** *** against Heights Finance Corporation (“HFC”)HFC strives for the best in customer satisfaction and appreciates the opportunity to respond. HFC conducted an investigation as of September 15, and found that
Experian is accurately reporting Mr***’ account as Chapter protected. HFC’s records indicate that a payment was not received in July As such, HFC reported for July that Mr***’ account was Chapter protected with no payment made for the month to Equifax, Experian and TransUnion. In August, Experian reported the account as Chapter protected with no payment made in the previous month. Mr*** did make a payment in August and Experian is currently reporting the account as Chapter protected, with a last payment date of August HFC strives to provide Star Service to each and every customer. HFC trusts that the information contained in this letter is sufficient to close the complaint. If the customer has any questions or concerns, HFC invites him to contact *** *** at *** ***

This letter is in response to
complaint number *** filed against Heights Finance Corporation
(“HFC”). HFC strives for the best in
customer satisfaction and appreciates the opportunity to respond to this
complaint. HFC’s records indicate the following:June 6, 2016: HFC was
awarded Judgment in the amount of $1,301.70.July 26, 2016: The complainant’s account was charged off due to missed paymentsApril 13, 2018: HFC filed a garnishment in the amount of $1,673.18, including interest and court fees, under which the following garnishment payments have been received.May 11, - $157.66May 24, - $176.29June 7, - $168.12April 23, 2018: HFC received the debtor’s answer stating she is exempt from garnishment. Since no proof of exemption was provided, HFC requested a garnishment hearing, which was scheduled by the court for May 21, 2018.May 3, 2018: The complainant contacted HFC’s office and HFC advised her that, since HFC did not receive any proof of exemption, HFC requested the garnishment hearing on May 21, In addition, HFC offered the complainant a garnishment extension to help her save money on court costs and offered her a fixed amount (instead of a percentage) to be withheld from each of the complainant’s paychecksThe complainant refused both offersMay 21, 2018: An HFC team member attended the complainant’s garnishment hearingThe complainant provided proof that she is exempt from garnishment through July 1, 2018.June 4, 2018: The complainant contacted HFC’s office and wanted funds back that had been garnished from her paychecks during the time she was exempt. HFC advised her that she would need to coordinate a request for a return of funds through her employer HFC advised her that it would be beneficial to setup a garnishment extension to save time and money, but she refused this offer.July 2, 2018: HFC filed garnishment 2016SC1108C which showed that the total amount due had been reduced from $1,to $1,HFC strives to provide Star Service
to each and every customer and hopes HFC hopes the above response will satisfy
and resolve this complaint

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me

This letter is in response to complaint number *** filed against Heights Finance Corporation (“HFC”). HFC strives for the best in customer satisfaction and appreciates the opportunity to respond to this complaint. On December 22, 2017, Greg Engstler, HFC district
manager, spoke with the complainant. The complainant agreed that a $payment was authorized on December 15, and that an $payment was authorized on December 19, 2017. MrEngstler explained that the $payment was returned due to non-sufficient funds. Therefore, HFC retracted both payments and reposted the $payment. HFC explained to the complainant that each payment was only posted one time as authorized by the complainant. The complainant advised HFC that her Credit Union has a policy to submit returned transactions twice if an ACH is returned due to non-sufficient funds MrEnglster then advised the complainant that her Credit Union resubmitted these payments twice and HFC did notThe complainant stated that she thought that HFC had cancelled the $payment. She was then informed that the $payment had already posted to her Credit Union and that HFC was unable to cancel the payment HFC believes this matter has been resolved as the complainant advised that she was going to call her Credit Union to see if they would waive some of the NSF feesTell us why here

Initial Business Response /* (1000, 9, 2016/10/17) */
It is the understanding of Heights Finance Corporation ("HFC") that the concerns raised by the customer have been addressed and that this matter is resolvedShould the customer want to discuss the account in more detail, she may contact HFC's
District Manager, *** *** at (XXX) XXX-XXXX
Initial Consumer Rebuttal /* (3000, 11, 2016/10/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I did not get a payoff quoteI made a payment and received a $overpayment check
I did not receive a paid in full letterI received a copy of my original funding check stamped "paid"
I did not receive a letter stating that loan was in good standing for it's entirety
Lender did not reverse and reapply the overpayments so that the additional amounts went to principle only
I did not receive any letter stating that Credit Bureau reporting had been corrected, if applicable
I did not receive an apology from the Branch ManagerNo one apologized for the mishandling of this situation
Final Business Response /* (4000, 15, 2016/11/01) */
Heights Finance Corporation ("HFC") is in receipt of the additional information submitted by the consumer via the Revdex.com At this time HFC's records indicate that the customer's account has been paid in full and that all related documentation of payment in full has been sent to the customer per HFC procedure The final status of the account will be updated with the Credit Reporting Agencies via HFC's standard reporting process As stated in HFC's previous response, it is the understanding of HFC that this matter is resolved Should the consumer wish to discuss the account further, HFC's District Manager, *** *** may be contacted at (XXX) XXX-XXXX.::

This letter is in response to complaint number filed against Heights Finance Corporation (“HFC”). HFC strives for the best in customer satisfaction and appreciates the opportunity to respond to this complaint. After multiple conversations between the complainant and
HFC, on April 20, 2018, *** ***, district manager, reviewed the payment application and the account history with the complainant in detail. At the conclusion of this conversation, and at the complainant’s request, HFC agreed to refund the amount paid on March 26, 2018, that was above the actual amount due on the account and to only collect the minimum payments that are due on the account going forwardA refund check in the amount of $1,has been issued to the complainant. HFC has reviewed all requested items with the complainant and feels this matter is resolved HFC strives to provide Star Service to each and every customer and apologizes for any frustration the complainant has experienced. Tell us why here

This letter is in response to complaint number *** filed against Heights Finance Corporation (“HFC”). HFC strives for the best in customer satisfaction and appreciates the opportunity to respond to this complaint. The complainant obtained a loan from HFC on April 11,
with a term of months. As indicated in the complaint, the complainant stopped making payments on the loan, and has not responded to HFC’s contact attempts since July 28, 2017. In the absence of contact, HFC has been unable to address the complainant’s concerns. HFC District Manager *** *** made contact with the Complainant on December 20, 2017, and was asked to terminate all future contact attempts. The complainant’s HFC account has been duly noted to reflect this request. HFC notes that the cessation of contact with the complainant in no way absolves the complainant of their obligation to HFC. HFC retains all legal rights and remedies to collect the remaining balance of the complainant’s loan HFC strives to provide Star Service to each of its customers. The complainant may contact *** ***, district manager, at *** *** to discuss the account in detail and to arrange mutuallyacceptable payment arrangementsTell us why here

Initial Business Response /* (1000, 5, 2016/07/21) */
This letter is in response to this complaint Heights Finance Corporation ("HFC") regrets that this matter resulted in a complaint being filed
HFC cannot alter credit bureau data or history which is correctly reported to the credit bureaus
In addition, HFC does not charge an extra fee to have credit reporting data removed from a customer's credit file HFC only removes credit reporting data if the data is found to be reported inaccurately or is the result of fraud
Should the customer wish to discuss the account in detail, please direct the customer to contact *** *** District Manager, at XXX-XXX-XXXX
Initial Consumer Rebuttal /* (3000, 7, 2016/07/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
It was not what I was expected to do The reason is that I did pay additional in order to resolve this matter The representative is not correctly identifying the situation and furthermore is misaligned with how the company is reporting as well It is still reporting incorrectly