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? 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?

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

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

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 *** ***

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Address: 321 Merchants Dr, Dallas, Georgia, United States, 30132-4704

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