Heights Finance Corporation

I am responding to a complaint against Heights Finance by [redacted] received on 12/20/ I had discussed this issue with Mr [redacted] in December and let him know that the garnishment order that was signed stated what he was to pay and that the amount that was agreed upon had not been satisfied to date He had then stated that he should have been notified before December that he still owed money, I had given him the contact information for our attorney who was handling the account for him, he made contact and was given the exact amount due of $ He is now wanting this amount waived or refunded to him Thanks, Jeremy C [redacted] Branch Manager Heights Finance

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

When picking up property after a repo, things were missing, most likely stolen, and I was told not their problem

Business Response to a Complaint nowrap;"> Complaint ID#: [redacted] Company Name: Heights Finance Corporation Company Contact: [redacted] Company Phone: [redacted] Company Email: [redacted] Person Who Sent the Complaint: [redacted] Staff Member: Response: Heights Finance Corporation (“HFC”) has received the complaint filed through the Revdex.comHFC is providing its response to this complaintCustomer service is a top priority for Heights Finance CorporationHFC investigated this matter and validated that there have been no returned fundsTherefore, a title lien release has been signed and mailed to the clerk’s officeIn addition, a copy of the lien release along with the original loan documents stamped paid, have been mailed to the customerShould Mr [redacted] have any further questions, he may contact [redacted] [redacted] Sent on: 7/28/10:04:AM

Initial Business Response / [redacted] (1000, 5, 2016/09/07) */ Heights Finance Corporation (HFC) is in receipt of the referenced complaintAs 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 behalfIn 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 [redacted] 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 [redacted] ’ account as Chapter protected HFC’s records indicate that a payment was not received in July As such, HFC reported for July that Mr [redacted] ’ 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 [redacted] 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 [redacted] at [redacted]

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. The complainant obtained a loan from HFC on April 11, 2016... with a term of 19 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 [redacted] 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 5 Star Service to each of its customers. The complainant may contact [redacted] ***, district manager, at [redacted] to discuss the account in detail and to arrange mutuallyacceptable payment arrangements. Tell us why here...

Initial Business Response /* (1000, 5, 2016/07/21) */
This letter is in response to this complaintHeights 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 fileHFC 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 doThe reason is that I did pay additional in order to resolve this matterThe representative is not correctly identifying the situation and furthermore is misaligned with how the company is reporting as wellIt is still reporting incorrectly

My husband and I have been re-building our credit for the past several years We finally felt we were in a position where we could confidently apply for In-store financing and be able to add the monthly monetary obligation In our years of marriage, we had never been able to buy brand-new quality furniture We'd always stuck with second hand stores and the pressboard type furniture you find from department stores There is nothing wrong with that kind of furniture, it's just that we were having to replace it almost yearly We always figured we would upgrade when our kiddo(s) were old enough to respect the furniture We have had our eyes on a particular set of living room furniture for more than a year, and finally our break-even point would allow for a new monthly bill that wasn't based on a necessity (We've made mistakes in the past and didn't think of the long term monetary obligation and the "what if..." factor, and ended up in financial distress credit wise So after careful planning, we were finally ready, yeah!) Once again, YEAH! The day came when we went to the local furniture store not just to look but to buy We already knew what we were there for, the item numbers, color and fabric, as well as exactly where it was in the store We asked for our original sales contact and it was confirmed by a manager that they no longer worked there We included our new sales associate in our excitement and why we were so excited and they became excited with us Our first BRAND NEW furniture of our decade long marriage Soon we were filling out the store finance application, we were very open and honest about our credit and in turn our sales associate was very informative and reassuring that we could make something happen Here is where Heights Finance comes in, so thanks for sticking with me thus far (It was the Friday after Thanksgiving, so a very busy time and by now it was around 2pm I* *** * ** * *** *** ** *** *** *** *** *** *** ** *** *** *** *** ** *** ** *** *** *** *** *** *** *** ** ** *** *** ** *** *** ** *** *** *** *** Unfortunately, we were turned down for In-store financing and our sales person explained in detail, not just by telling us but by showing us the report on which the decision was made My husband just graduated college and had over *** in student loans we were making monthly payments on The store's Credit Department claimed the student loans were too much obligation Then we were told about their "Second chance" option, Heights Finance It was explained in great detail how Heights Finance worked for those with less than ideal credit and if approved would approve us for a certain amount which may or may not be enough to cover the whole set They also had a higher interest rate than the In-store financing, which is quite typical for finance companies that provide credit for higher risk clients We were approved for enough to get of the pieces of living room furniture Once everything was tallied up, we realized the monthly payment was more than we were comfortable with, so after some consideration and more calculations, we decided to just start with one piece and go piece by pieceWe were put on a month contract, of course with the ability to pay off early with no penalty We also were given an initial month interest free time period I was hoping I would be able to utilize and pay it off in those months, but we are just going to have to stick with the plan and pay it down every few months I mentioned the interest rate after those months is higher, but once again, that is very common amongst companies lending to higher risk clientele Our 24% interest rate is actually lower than other companies we have researched Moving on, nothing was hidden in fine print, all our questions were answered I didn't get an uneasy vibe from Heights Finance Our contact stayed later than office hours Came in on Saturday when they are normally closed and even had our final paperwork ready for us to sign on Sunday and brought it to our furniture store This may not mean a whole lot to some people, but I feel he went above and beyond to help make one of our dreams come true *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** *** ** *** *** ** *** *** *** *** * *** ** *** * *** *** *** *** *** *** *** *** * *** *** *** *** *** *** *** *** *** *** ** *** *** *** *** *** *** ** *** ** *** *** *** *** *** *** *** *** *** ** *** *** *** *** *** *** ** *** *** ** *** *** ** *** *** *** *** *** *** ** *** *** *** *** *** *** *** *** ** *** *** ** *** *** ** *** *** *** *** ** ** *** *** *** *** *** *** *** *** *** ** *** *** *** *** ** *** *** ** *** *** *** *** *** * *** *** *** *** *** *** ** ** *** *** *** *** *** *** *** *** *** *** * *** *** *** ** *** *** *** *** ***} Before signing any contracts, make sure to do your research on the company you are working with so that you know, you will receive the customer service and care you deserve Also, if you ever feel you will start having difficulties with your payment obligation, do not wait until the last minute to contact your financial institute Let them know as soon as possible, so that something can be worked out Life happens and often there are complications beyond our control, this is understandable The more open and honest you are with them, the more they are with you Thank you for reading this and thank you Heights Finance of Eau Claire, WI

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.The resolve that Heights Finance has issued is not a resolve at allThe fact that the company let more interest acquire without sending me any notification at all and for so long is the issueThe amount of interest that acquired following the point where I should have been contacted by the company or their representative is what I would like to see taken awayWhen I contacted the company's lawyer they did not know exactly what was going on either and had to look into the matterThe only reason at all of this is happening is due to me contacting Heights Finance on my ownIf the amount was not fully paid the original garnishment should not have stopped and I should have been contacted in a timely manner.Regards,*** ***

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

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.    The complainant obtained a loan from HFC on April 11, 2016...

with a term of 19 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 [redacted] 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 5 Star Service to each of its customers.  The complainant may contact [redacted], district manager, at [redacted] to discuss the account in detail and to arrange mutuallyacceptable payment arrangements. Tell us why here...

This letter is in response to the complaint filed by [redacted] 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, 2017 and found that...

Experian is accurately reporting Mr. [redacted]’ account as Chapter 13 protected.  HFC’s records indicate that a payment was not received in July 2017. As such, HFC reported for July that Mr. [redacted]’ account was Chapter 13 protected with no payment made for the month to Equifax, Experian and TransUnion.   In August, Experian reported the account as Chapter 13 protected with no payment made in the previous month.  Mr. [redacted] did make a payment in August and Experian is currently reporting the account as Chapter 13 protected, with a last payment date of August 2017.   HFC strives to provide 5 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 [redacted] at [redacted]

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.    On December 22, 2017, Greg Engstler, HFC district...

manager, spoke with the complainant.  The complainant agreed that a $100.00 payment was authorized on December 15, 2017 and that an $80.00 payment was authorized on December 19, 2017.  Mr. Engstler explained that the $100.00 payment was returned due to non-sufficient funds.  Therefore, HFC retracted both payments and reposted the $80.00 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.  Mr. Englster then advised the complainant that her Credit Union resubmitted these payments twice and HFC did not. The complainant stated that she thought that HFC had cancelled the $80.00 payment.  She was then informed that the $80.00 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 fees. Tell us why here...

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.    On May 3, 2018, [redacted], district manager, spoke with...

the complainant regarding her concern.  At the conclusion of this conversation, HFC agreed to refund the $10.00 late charge back to the complainant. The complainant thanked Mr. [redacted] and HFC feels this matter is resolved.   HFC strives to provide 5 Star Service to each and every customer and apologizes for any frustration the complainant has experienced.  Tell us why here...

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

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 resolved. Should the customer want to discuss the account in more detail, she may contact HFC's...

District Manager, [redacted] 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 quote. I made a payment and received a $4 overpayment check.
I did not receive a paid in full letter. I 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 4 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 Manager. No 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 normal 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, [redacted] may be contacted at (XXX) XXX-XXXX.::

I am responding to a complaint against Heights Finance by [redacted] received on 12/20/14.  I had discussed this issue with Mr. [redacted] in December and let him know that the garnishment order that was signed stated what he was to pay and that the amount that was agreed upon had...

not been satisfied to date.  He had then stated that he should have been notified before December 2014 that he still owed money, I had given him the contact information for our attorney who was handling the account for him, he made contact and was given the exact amount due of $442.63.  He is now wanting this amount waived or refunded to him.
Thanks,
Jeremy C[redacted]
Branch Manager
Heights Finance

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:
1. 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
2. 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.

Business Response to a Complaint
nowrap;">
Complaint ID#:


[redacted]


Company Name:


Heights Finance Corporation


Company Contact:


[redacted]


Company Phone:


[redacted]


Company Email:


[redacted]


Person Who Sent the Complaint:


[redacted]


Staff Member:



Response:
Heights Finance Corporation (“HFC”) has
received the complaint filed through the Revdex.com. HFC is
providing its response to this complaint. Customer service is a top priority
for Heights Finance Corporation. HFC investigated this matter and validated
that there have been no returned funds. Therefore, a title lien release has
been signed and mailed to the clerk’s office. In addition, a copy of the lien
release along with the original loan documents stamped paid, have been mailed
to the customer. Should Mr. [redacted] have any further questions, he may contact [redacted] [redacted]
Sent on:
7/28/2014 10:04:03 AM