Professional Auto

Initial Business Response / [redacted] (1000, 8, 2015/10/12) */ October 12, Re: Case #: XXXXXXXX [redacted] Dear Ms [redacted] In reply to your email dated 9/25/ Please be advised that Heritage Acceptance Corporation is considered a "high-risk" finance company Ms [redacted] 's first payment was due on 9/19/ Heritage Acceptance Company does not allow for a late payments on the first payment of a new account That is why Ms [redacted] 's account was put up for repossession Heritage Acceptance Corporation hires an outside company to repossess for us Any complaints Ms [redacted] has about the repossession or item returns will need to be taken up with the repossession service that repossessed her vehicle If Ms [redacted] has any questions, please have her contact her account representative Loretta at extension Thank you, [redacted] Administrative Collections Supervisor

Initial Business Response / [redacted] (1000, 9, 2017/02/07) */ February 7, Revdex.com of Fort Wayne Attn: [redacted] Fort Wayne, IN XXXXX Revdex.com Case #: XXXXXXXX Dear Ms [redacted] In reply to your email dated 1/24/ Please be advised the Heritage Acceptance Corporation is currently in possession of Mr [redacted] 's vehicle Please have Mr [redacted] contact his account representative at extension to make arrangements for the balance of this account Thank you [redacted] AdminCollection Supervisor Ext: [redacted] Heritage Acceptance Corporation Phone (XXX) XXX-XXXX Ext: [redacted] Fax (XXX) XXX-XXXX Initial Consumer Rebuttal / [redacted] (3000, 11, 2017/02/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) I voluntarily gave back the vehicle due to poor comunication on their part

Initial Business Response / [redacted] (1000, 5, 2017/01/19) */ Sent: Thursday, January 19, XXXX X:XX AM To: [redacted] Subject: [redacted] - Complaint January 18, Revdex.com of Fort Wayne Attn: [redacted] Fort Wayne, IN XXXXX Revdex.com Case #: XXXXXXXX Dear Ms [redacted] Please be advised that the situation with Mrand Mrs [redacted] has been resolvedOur account representative did speak with Mrs [redacted] on 1/17/and advised her that the error that occurred has been corrected and they should be able to plate their car as normal If there is a problem, or they have any questions, please have them contact their account representative, [redacted] at extension [redacted] Thank you [redacted] AdminCollection Supervisor [redacted] Heritage Acceptance Corporation Phone (XXX) XXX-XXXX Ext: [redacted] Fax (XXX) XXX-XXXX Initial Consumer Rebuttal / [redacted] (3000, 7, 2017/01/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is correct that we have been in contact but it still does not excuse the fact that I had to contact our Secretary of State and it does not excuse the fact that this should have been handled especially since we have been in contact wit them and that Heidi the supervisor has not contacted meAll I want is someone with some authority to contact me and yes we are working with [redacted] but I intend to take this up the corporate ladder so I want someone above this person that responded to contact meI contacted the Secretary of State in Illinois on the 17th and I have the e mail to prove it Final Business Response / [redacted] (4000, 14, 2017/01/24) */ Revdex.com of Fort Wayne Attn: [redacted] Fort Wayne, IN XXXXX Revdex.com Case #: XXXXXXXX Dear Ms [redacted] In reply to your email dated 1/24/Please have Mror Mrs [redacted] fax the response from the State of Illinois to XXX-XXX-XXXXThat will come directly to our officeAlso, we do have a [redacted] in our Funding DepartmentThat is a different [redacted] than the one that is Mrand Mrs***'s representativeThe person they will want to speak with is Jay at extension [redacted] I hope this clarifies any misunderstandings Thank you, [redacted] AdminCollection Supervisor Ext: [redacted] Heritage Acceptance Corporation Phone (XXX) XXX-XXXX Ext: [redacted] Fax (XXX) XXX-XXXX Final Consumer Response / [redacted] (4200, 16, 2017/01/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have provided tje proofAs of this response it is obvious we are not going to be able to spwak with anyone with authorityI will no longer go back and forth it is going no whereI will now turn it over to our attorney and let him handle itThank You for the assistance

This letter will serve as the written response of Heritage Acceptance Corporation ("Heritage") to the complaint filed by Mr [redacted] To the extent that the complaint containsallegations directed at Heritage, Heritage denies any such allegations, but provides the following information in the hopes of resolving the underlying issues.Mr [redacted] purchased a Cadillac CTS from Good Bad No Credit Auto Sales on or about January 7, The account was assigned to Heritage on or about the same dayAccording to the terms of the attached Retail Installment Contract and Security Agreement (the "Contract"), Mr [redacted] was to make payments of $every other week.Unfortunately, as can be seen on the attached account history, Mr [redacted] missed some payments and was late on othersAdditionally, he requested to have some payments deferred due to financial hardships he was experiencing at the timeThese factors have combined to mean that Mr [redacted] still has a balance remaining on the account that will not be paid off on the date he initially expected.Heritage assumes that Mr [redacted] will better understand his account status after reviewingthe attached documentsMr [redacted] cannot expect to miss scheduled payments and still pay off the balance of his account at the time he initially contractedHeritage is not extending his account, Mr [redacted] can close his account as scheduled, but this will require that he makes up the skipped payments between now and then.If Mr [redacted] has any additional problems with this account, he may contact me directly at [redacted] ext ***.?

Initial Business Response / [redacted] (1000, 5, 2016/09/01) */ Please find the response from our company regarding the above mentioned complaint September 1, Revdex.com of Fort Wayne Attn: [redacted] IN XXXXX Revdex.com Case #:XXXXXXXX Dear Ms [redacted] In reply to your complaint opened 8/31/16, it appears that a payment history was mailed to Ms [redacted] on 6/20/ Please have Ms [redacted] contact [redacted] at extension [redacted] or contact her team leader [redacted] at extension [redacted] in order to obtain the information she is requesting Thank you, [redacted] AdminCollection Supervisor Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/09/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have a document that states the amount of payment schedule, not my payment historyI want a receipt of money I have spent with this companyI do not have that informationHow can I know how much I owe and how much I've spent on my vehicle without a receipt?! Final Business Response / [redacted] (4000, 9, 2016/09/06) */ September 6, Revdex.com of Fort Wayne Attn: [redacted] Fort Wayne, IN XXXXX Revdex.com Case #:XXXXXXXX Dear Ms [redacted] In reply to your complaint opened 8/31/, please have Ms [redacted] contact [redacted] at extension [redacted] or contact her team leader [redacted] at extension [redacted] in order to obtain the information she is requesting Thank you, [redacted] AdminCollections Supervisor Ext: ***

Initial Business Response / [redacted] (1000, 5, 2017/09/06) */ Re: Case # XXXXXXXX [redacted] v Heritage Acceptance Corporation Dear Ms [redacted] This letter will serve as the written response of Heritage Acceptance Corporation (“Heritage†) to the complaint filed by Ms [redacted] To the extent that the complaint contains allegations directed at Heritage, Heritage denies any such allegations, but provides the following information in the hopes of resolving the underlying issues Ms [redacted] purchased a Dodge Stratus from Quick Auto, Incon November 6, Her account was assigned to Heritage on or about the same dayA copy of the Retail Installment Contract and Security Agreement is attached heretoThe vehicle was repossessed on or about January 24, Heritage is currently reporting the account as a “zero†balance and that it was an “involuntary repossession†Ms [redacted] contacted Heritage by telephone on August 23, and this information was provided to herAccording to Heritage’s records, Ms [redacted] did not request any documents at that timeHowever, in response to this complaint, Heritage is enclosing the Retail Installment Contract and the payment history for the account As for Ms [redacted] ’s specific allegations, Heritage responds as follows: - “Heritage refuses to send me anything or work with Equifax.†Heritage regulary sends documents to customers and does not refuse requests for informationHeritage reports to TransUnion and Equifax on a monthly basisAdditionally, Heritage updated Ms [redacted] ’s information in May and August at Ms [redacted] ’s request - Heritage is a “debt collection agency†Heritage is not a debt collection agencyHeritage is a consumer lender, licensed in the state of Indiana Heritage understands Ms [redacted] ’s disputes and Heritage will update its reporting to reflect the disputeHeritage believes that this response, with the enclosed documents, should resolve her complaint completely If Ms [redacted] has any additional problems with this account, she may contact me directly at (XXX) XXX-XXXX ext [redacted] Best regards, [redacted] General Counsel Initial Consumer Rebuttal / [redacted] (3000, 8, 2017/09/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) Heritage is being dishonest and did deny me an account statement when I called in several times to their officeIf they had given me an account statement as I have asked for in the first place then I would have had no reason to file a complaint against themI have asked Heritage for an account statement and also a letter on there company letterhead that shows the date this account begin as well as the date of the repossessionIndividuals that work at Heritage has told me that they debt collect there own accounts and they are not on my side to help me outYes I was told this by employees at Heritage The payment history attachment does not give a clear repossession date that would be easy for other creditors to read and understandIt only gives codes on it such as "RP CAR PER 13"Another creditor cannot clearly understand the internal language of Heritage I would like a letter that shows a clear repossession date which occurred January 24, This account is older than years old and I need a letter to reflect thisAs I stated before I have been declined credit by another creditor with a reason of having a repossession from Heritage within the last yearsWhen this is not true, this account is greater than years oldI have attached a letter from another creditor which shows a denial of credit due to a repossession within the last years I would also like to know if this account is open or closed? Heritage is not reporting my account correctly to the credit bureausI have attached a copy of a recent Equifax dispute resultOn page at the bottom it says "account history with status codes"This account is reporting "status code 1" which means "30-days past due." There should be a status code of "K: Repossession" which is not shown reported on my credit file I need Heritage to report to Equifax correctly that the vehicle was Repossessed on January 24, My credit file should reflect a date the repossession occurred and the account as closed, if indeed it actually is closedI also need Heritage to send me a letter stating when the repossession occurred on January 24, Final Business Response / [redacted] (4000, 10, 2017/09/15) */ Re: Case # XXXXXXXX [redacted] v Heritage Acceptance Corporation · Dear Ms [redacted] This is a follresponse to .Ms; [redacted] 's responseSince the filing.of her response, Ms [redacted] has been in direct contact with Heritage and it is believed that her concerns have been addressed: · Specifically, Heritage has supplied Ms [redacted] with copies of aletter sent to her in that details the date of repossession; a copy of her account payment history showing that there is no balance owed on the account, and a letter explaining that the accountWas closed in March.29, A copy of the letter is attachedHeritage has also updated the information reported to Equifax Heritage believes it has addressed, all of Ms [redacted] 's issues

Initial Business Response / [redacted] (1000, 7, 2017/11/06) */ This letter will serve as the written response of Heritage Acceptance Corporation ("Heritage") to the complaint filed by [redacted] against HeritageTo the extent that the complaint contains allegations directed at Heritage, Heritage denies any such allegations, but provides the following information in the hopes of reaching an amicable resolution to the matter Ms [redacted] purchased a vehicle in November This purchase created her account with Heritage Towards the end of the account in April 2016, Heritage agreed to accept $as payment in full for the balance on the accountThe account balance at the time was over $Ms [redacted] made the $payment, the account was closed, and the vehicle title was sent to her Recently, Ms [redacted] has contacted Heritage on several occasions raising the issue of how her account is being reported to the credit reporting agenciesCurrently, Heritage is reporting the account (pursuant to the MetroFormat standard) as "Closed account, paid in full • for less than full balance"Heritage believes that this correctly and accurately describes Ms [redacted] 's accountThis information has been repeatedly communicated to Ms [redacted] Ms [redacted] is requesting that Heritage remove all reference to this accountHeritage does not believe that removing the account from Ms [redacted] 's credit report represents an accurate reporting of the account statusHowever, in consideration of Ms [redacted] 's request, Heritage is looking into the possibility (and the legality) of removing her account from the credit agenciesIf this proves to be possible (and legal), Heritage will request that the account be removedMs [redacted] must understand that removing this account from her credit report may have an adverse impact on her overall credit scoreHeritage has no control over the credit scoring process or on how one item on a person's credit report impacts the overall scoreMs [redacted] should be prepared for a positive or negative change to her overall credit score as a result of her request Any changes made to Ms [redacted] 's credit report may not show up for thirty to sixty (30-60) daysWe recommend that Ms [redacted] re-check her credit report after that time has passedIf you have any questions or need additional information, you may contact me directly at [redacted] , ext [redacted] Initial Consumer Rebuttal / [redacted] (3000, 9, 2017/11/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is the problem I am having with them They keep saying that I told them what I was going to pay and that is not true!!!! Their Account Representative stated that is what I would pay is $because of the part that was defective on my carAnd also they stated that the car would be paid in full once THEY took out that amount So I agreed verbally to that and not once thinking that would effect my credit scoreI am been going through so much with this company and they are not a honest company by far Again this company has been getting money out of my account for yrs while paying this car and I was NEVER LATE!!!! So now because they stated that they would take $out of my account for the part being defective and my account would be paid in full now is backfiring on me?! This is wrong on so many levels And as you see this company violated the laws as you seen in the documentation that I sent them and they are not being held accountable for their actions in being fraudulent toward the client and not being honest in how they were going to report this issue to the credit bureau and then they had the nerve to tell me that I should contact the credit bureau's why when they reported it wrong because they agreed to do this!!!! Please don't let them get away with this you have all of my documentation and they are beating around the bush and not wanting to be a honest company in the way they handled things Final Business Response / [redacted] (4000, 11, 2017/11/17) */ This letter will serve as the second written response of Heritage Acceptance Corporation ("Heritage") to the complaint filed by [redacted] against Heritage, To the extent that the complaint contains allegations directed at Heritage, Heritage denies any such allegations, but provides the following information in the hopes of reaching an amicable resolution to the matter, Ms [redacted] 's response is an excellent example of how both parties have become increasingly dissatisfied with the other's positionWe have gone over this issue with Ms [redacted] repeatedly and explained exactly how and why things were handled and how Heritage's actions were completely correct and lawfulIn our last response, we explained that, even though Heritage has reported her account correctly, we will look into reporting her account exactly as she has requestedRather than waiting to see if Heritage can accomplish that, Ms [redacted] immediately responded with insults and new accusationsThis has been the continuing pattern over the past months To respond to the latest issue involving the removal of a "part" from her Vehicle; Ms [redacted] 's Vehicle was fitted with a GPS/Starter Interrupt Device at the time of purchaseThat was disclosed to her at the time (see attached Disclosure Statement)Paragraph of the Disclosure Statement provides that at the end of the contract, Heritage is responsible for removing that device from the VehicleThis is done at no cost to the customer and had nothing to do with the lower payoff amount that Ms [redacted] was offered, Heritage was obligated to remove the device, and did so as required As stated in our previous response, in consideration of Ms [redacted] 's request, Heritage is looking into the possibility (and the legality) of removing her account from the credit agenciesIf this proves to be possible (and legal), Heritage will request that the account be removed Any changes made to Ms [redacted] 's credit report may not show up for thirty to sixty (30-60) daysWe recommend that Ms [redacted] re-check her credit report after that time has passedIf you have any questions or need additional information, you may contact me directly at [redacted] ***, ext [redacted] Final Consumer Response / [redacted] (4200, 13, 2017/11/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) Good Afternoon, Again they continue to go into this vortex when you see I have written letters asking them to prove that I owe them $dollars and the laws that they have violated in the process with this situation I asked them to show me written documentation that I agreed to the $and it still hasn't been generatedI agreed to what their Account representative asked for and that was the $I would not have verbally agreed to that amount if I knew that it would be marked on my credit report as negative and Heritage clearly didn't express that I was told that my account would be paid in full and that's it The documents you see that my account was paid in full If I owed them money do you think for one minute they would have given me the title? That right there shows you that their unethical business tactics toward consumers What they should have done is told me "If you take this amount it would be considered as paid less than full amount" but they didn't do that So because they were not open and honest with me on what they were going to do this is how its affecting my credit because they feel they didn't do anything wrong; you did do wrong you were not honest with me on the amount that you wanted Me as an consumer if you tell me to pay this amount and you will be "Paid In Full" I am going to take you at your word and no longer be in debt to your company From all of my documentation I have presented to you, you can see that they never responded and kept giving excuses on that I should contact the credit bureau Why should I contact the credit bureau when you falsely put information on my credit report saying that I owe money when I clearly didn't own you anything after the amount of $was paid They violated the FCDA and when I contacted them about the situation they didn't mark it as disputed in days as the law allows on a credit report if you are going to dispute the issue You have that information as wellThis company is so wrong on all levels Misleading customers and saying one things and doing another is something I truly have a problem with Again if they wanted the $it was not a problem because this company had been getting money out of my account for yrs straight directly Saying give one amount and then being shifty on the other end to say that I didn't pay the full amount is wrong The offer was made by them and they had access to my account and took that money and after that I received my title Clearly there is nothing equitable about this company They continue to try and cover their tracks because they know they are at fault with the documents, amount, credit laws, disputing etchow much more evidence is needed to see they are debauched? All they can do is send letters to you stating that they are not in the wrong the evidence that I have presented clearly states different If nothing is resolved from here I will be taking them to small claims court Thank you

Initial Business Response / [redacted] (1000, 5, 2016/11/16) */ November 16, Revdex.com of Fort Wayne Attn: [redacted] Fort Wayne, IN XXXXX Revdex.com Case #:XXXXXXXX Dear Ms [redacted] In reply to your case opened 11/14/16, please be advised that a complete payment history was mailed to Ms [redacted] to the address of [redacted] Mishawaka, IN XXXXX Once reviewed by Ms [redacted] , if she believes to be any discrepancies, please have her contact her representative [redacted] at extension [redacted] Heritage Acceptance Corporation Phone (XXX) XXX-XXXX Ext: [redacted] Fax (XXX) XXX-XXXX

I am rejecting this response because: Although I'm happy to see some type of bill for the first time since 2015, you are still wrong because everything I had given Heritage Acceptance I'm 08/stipulated I receive social security supplemental income (SSI) which is paid monthly on the first I've received Social security supplemental income since 2010, so seems you've made a mistake as I've stated since 08/when I called and brought it to your attention I'm still seeking legal counsel because that is legally and technically fraud on heritage and [redacted] 's behalf Negligence to not change it, I'm happy I record phone calls and save texts

Initial Business Response / [redacted] (1000, 5, 2016/09/14) */ September 13, Revdex.com of Fort Wayne Attn: [redacted] IN XXXXX Revdex.com Case #:XXXXXXXX Dear Ms [redacted] In reply to your email dated 9/8/Please be advised that we have requested Mr [redacted] 's credit bureaus be updated to show "Paid in full through insurance/Closed 7/7/x 30." If Mr [redacted] has any other questions, please contact Megan at extension Thank you, [redacted] AdminCollections Supervisor Ext: [redacted] Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/09/14) */ Thank you for your prompt response and fixing something the creditors said could not be changed

Initial Business Response / [redacted] (1000, 5, 2017/06/01) [redacted] This letter will serve as the response of Heritage Acceptance Corporation ("Heritage") to the complaint filed by Mr [redacted] To the extent that the complaint contains allegiations directed at Heritage, Heritage denies any such allegations, but provides the following information in the hopes of resolcing the underlying issuesMr [redacted] purchased a Buick Lucerne on August 26,from [redacted] in Quincy, IllinoisThe contract was assigned to HeritageAccording to the Contract, Mr [redacted] has made the following monthly payments September No Payment October 28, [redacted] November No Payment December No Payment January 12, [redacted] (returned for insufficient funds) February 7, [redacted] (returned for insufficient funds) February 14, [redacted] (returned for insufficient funds) February 25, [redacted] March No Payment April No Payment May 17, Vehicle Repossessed In his complaint, Me [redacted] is quick to point out the things he believes is wrong with hoe Heritage has treated him and in what ways he believes Heritage has breached contractAdditionally, he refuses to accept that once he breached the contract, Heritage has the right to cancels the contract and repossess the vehicle and to require additional actions on his part in order for Heritage to agree to continue doing business with himHeritage firmly believes that is has acted properly and within the terms of the contractMr [redacted] also neglected to mention that Heritage has returned the vehicle to him in the hopes that he will begin making his regularly scheduled paymentsHeritage believes that this resolves Mr [redacted] 's major complaintsHeritage would like Mr [redacted] to understand that if his account remains in arrears it may result in another repossession of the vehicle as well as other contractually permitted consequencesIf Mr [redacted] has any additional problems with this account, he may contact me directly at (XXX) XXX-XXXX ext [redacted] Best regards, [redacted] General Counsel Initial Consumer Rebuttal / [redacted] (3000, 7, 2017/06/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) You also failed to mention that the reason you returned the car was because your company violated the governing lawsAnd then sent a letter stating that the car would be sold days later, when my contract with your company clearly states nothing can be done for daysI've had several legal advisors look over the contract and have stated that I am correctI am also aware that your company is in violation of several Federal acts and regulations that protect veteransBut I will let my legal advisors deal with that portionIt's funny how once I get the Revdex.com involved how much quicker I get the information I've requested and how the attitudes of your employees have changedIf you would like to settle this behind closed doors instead of airing it on this website then please contact me directly

Initial Business Response / [redacted] (1000, 5, 2017/06/01) [redacted] This letter will serve as the response of Heritage Acceptance Corporation ("Heritage") to the complaint filed by Mr [redacted] To the extent that the complaint contains allegiations directed at Heritage, Heritage denies any such allegations, but provides the following information in the hopes of resolcing the underlying issuesMr [redacted] purchased a Buick Lucerne on August 26,from [redacted] in Quincy, IllinoisThe contract was assigned to HeritageAccording to the Contract, Mr [redacted] has made the following monthly payments September No Payment October 28, [redacted] November No Payment December No Payment January 12, [redacted] (returned for insufficient funds) February 7, [redacted] (returned for insufficient funds) February 14, [redacted] (returned for insufficient funds) February 25, [redacted] March No Payment April No Payment May 17, Vehicle Repossessed In his complaint, Me [redacted] is quick to point out the things he believes is wrong with hoe Heritage has treated him and in what ways he believes Heritage has breached contractAdditionally, he refuses to accept that once he breached the contract, Heritage has the right to cancels the contract and repossess the vehicle and to require additional actions on his part in order for Heritage to agree to continue doing business with himHeritage firmly believes that is has acted properly and within the terms of the contractMr [redacted] also neglected to mention that Heritage has returned the vehicle to him in the hopes that he will begin making his regularly scheduled paymentsHeritage believes that this resolves Mr [redacted] 's major complaintsHeritage would like Mr [redacted] to understand that if his account remains in arrears it may result in another repossession of the vehicle as well as other contractually permitted consequencesIf Mr [redacted] has any additional problems with this account, he may contact me directly at (XXX) XXX-XXXX ext [redacted] Best regards, [redacted] General Counsel Initial Consumer Rebuttal / [redacted] (3000, 7, 2017/06/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) You also failed to mention that the reason you returned the car was because your company violated the governing laws And then sent a letter stating that the car would be sold days later, when my contract with your company clearly states nothing can be done for daysI've had several legal advisors look over the contract and have stated that I am correctI am also aware that your company is in violation of several Federal acts and regulations that protect veteransBut I will let my legal advisors deal with that portionIt's funny how once I get the Revdex.com involved how much quicker I get the information I've requested and how the attitudes of your employees have changedIf you would like to settle this behind closed doors instead of airing it on this website then please contact me directly

Initial Business Response / [redacted] (1000, 5, 2016/02/19) */ February 19, Revdex.com Attn: [redacted] Parnell Ave Fort Wayne, IN XXXXX Re: Case #XXXXXXXX [redacted] Dear MsAnciani-Dutt: Please be advised that Heritage Acceptance Corporation is considered a "Second Chance" finance company It is our policy to contact our debtors when they become one day past due Ms [redacted] 's vehicle has been repossessed, but it appears she is working on getting this vehicle back in her possession Unfortunately, we are unable to change account representatives on accounts Once Ms [redacted] redeems and if she continues to keep her account current after the redemption, there will be no need for her to speak with her account representative If you have any questions, please let me know Thank you, Nora [redacted] AdminCollections Supervisor Ext: Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/02/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept the response, The complaint is the "Manner in which Heritage is allowing their representative ( Alisha) to speak to their customersAs for Heritage being a second chance company I did not do my homework properly and I made a grave mistake not doing soThe vehicle was repossed but she fail to state the money posted to my account before the got the car and YET the vehicle was picked up.? And as of now all fees have been paid and I still don't have the vechile as of yet? And what did any of their rebuttal have go do with the disposition of their employees actions....This is the United States Of America no laws allow people to talk to you as if you are an animal and think that type of behavior should go without reprimand Not once was this woman actions addressed Final Business Response / [redacted] (4000, 9, 2016/02/22) */ February 22, Revdex.com Attn: [redacted] Parnell Ave Fort Wayne, IN XXXXX Re: Case #XXXXXXXX [redacted] Dear MsAnciani-Dutt: As of today, please advice Ms [redacted] that Tyler will be her account representative His extension is As previously stated, once Ms [redacted] redeems and if she continues to keep her account current after the redemption, there will be no need for her to speak with her account representative If you have any questions, please let me know Thank you, Nora [redacted] AdminCollections Supervisor Ext:

Initial Business Response /* (1000, 5, 2016/01/05) */
January 4,
Revdex.com
Attn: *** Anciani-Dutt
Parnell Ave
Fort Wayne, IN
Re: Case #XXXXXXXX
*** ***
Dear Ms***
Please be advised that Heritage
Acceptance Corporation has possession of this vehicle It will be sold at auction and the deficiency balance will be the responsibility of *** and *** ***
Please have the ***'s contact our office to set up payment arrangements for the deficiency balance of this account
If you have any questions, please let me know
Thank you,
Nora ***
Administrative Collections Supervisor
Ext: ***
Nora ** ***
Heritage Acceptance Corporation
Phone (XXX) XXX-XXXX Ext:
Fax (XXX) XXX-XXXX

Initial Business Response /* (1000, 5, 2015/04/27) */
April 27,
Revdex.com
Attn: *** Anciani-Dutt
Parnell Ave
Fort Wayne, IN XXXXX
Re: Case #XXXXXXXX
*** ***
Opened XXXX-
Dear Ms***
Please be advised that
Heritage Acceptance Corporation is the finance company for Ms***We loaned Ms*** the money to purchase this vehicle and have nothing to do with any mechanical issues Ms*** may be having
Heritage Acceptance Corporation is currently in possession of the Chrysler PT CruiserSince we are the finance company, we ask that Ms*** please contact us to make arrangements on the deficiency balance for this vehicle
If you have any questions, please contact me
Sincerely,
*** ***
Administrative Collections Supervisor
Ext:
Initial Consumer Rebuttal /* (3000, 7, 2015/04/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
If their response were the truth, why would they have stated that I should have contacted them (which I did several times before returning the car) about the mechanical malfunctionsHeritage also stated during a conversation that they were in a partnership with the dealerThey said I should have made a better decision about purchasing the car when it comes to the shotty reputation of a used car dealershipIt is unacceptable that this company received this mechanical nightmare of a car back, sold it for what was the remainder if the price of the carWhat they are pursuing now is the interest of over $on a car I no longer have, and should not be required to payThe entire sale was a swindleThere is no reason they should ever be allowed to do this to some one and get away with it
Final Business Response /* (4030, 9, 2015/05/06) */
May 6,
Revdex.com
Attn: Maria Anciani-Dutt
Parnell Ave
Fort Wayne, IN XXXXX
Re: Case #XXXXXXXX
*** ***
Opened XXXX-
Dear Ms***
As we stated in the previous letter dated 4/27/15, Heritage Acceptance Company loaned Ms*** the money to purchase this vehicle and have nothing to do with any mechanical issues Ms*** may be having
Since we are the finance company, we ask that Ms*** please contact us to make arrangements on the deficiency balance for this vehicle
If you have any questions, please contact me
Sincerely,
*** ***
Administrative Collections Supervisor
Ext:

Initial Business Response /* (1000, 5, 2016/09/14) */
September 13,
Revdex.com of Fort Wayne
Attn: *** ***
*** *** ***
*** *** IN XXXXX
Revdex.com Case #:XXXXXXXX
Dear Ms***
In reply to your email dated 9/8/ Please be advised
that we have requested Mr***'s credit bureaus be updated to show "Paid in full through insurance/Closed 7/7/x 30."
If Mr*** has any other questions, please contact Megan at extension
Thank you,
*** ***
AdminCollections Supervisor
Ext: ***
Initial Consumer Rebuttal /* (2000, 7, 2016/09/14) */
Thank you for your prompt response and fixing something the creditors said could not be changed

This letter will serve as the written
response of Heritage Acceptance Corporation ("Heritage") to the complaint filed by Mr*** To the
extent that the complaint containsallegations directed at Heritage, Heritage denies any such allegations,
but provides the following information in the
hopes
of resolving the underlying issues.Mr*** purchased a Cadillac CTS from
Good Bad No Credit Auto Sales on or about January 7,
The account was assigned to Heritage on or about the same dayAccording to the terms of the attached Retail Installment Contract and
Security Agreement (the "Contract"),
Mr*** was to make payments of $every other week.Unfortunately, as can be seen on the
attached account history, Mr*** missed some payments and was late on othersAdditionally, he requested to have some
payments deferred due to financial
hardships he was experiencing at the timeThese factors have combined to mean that Mr*** still has a balance remaining on the account that
will not be paid off on the date he initially
expected.Heritage assumes that Mr*** will better understand his account status
after reviewingthe attached documentsMr*** cannot expect to miss scheduled
payments and still pay off the balance of his account at the time he
initially contractedHeritage is not extending his account, Mr*** can close his account as scheduled, but
this will require that he makes up the skipped payments between now and then.If Mr*** has any additional problems with this account, he may
contact me directly at *** *** ext
***.

Initial Business Response /* (1000, 5, 2016/01/05) */
January 4,
Revdex.com
Attn: *** Anciani-Dutt
Parnell Ave
Fort Wayne, IN
Re: Case #XXXXXXXX
*** ***
Dear Ms***
Please be advised that Heritage
Acceptance Corporation has possession of this vehicleIt will be sold at auction and the deficiency balance will be the responsibility of *** and *** ***
Please have the ***'s contact our office to set up payment arrangements for the deficiency balance of this account
If you have any questions, please let me know
Thank you,
Nora ***
Administrative Collections Supervisor
Ext: ***
Nora ** ***
Heritage Acceptance Corporation
Phone (XXX) XXX-XXXX Ext:
Fax (XXX) XXX-XXXX

This letter will serve as the
written response of Heritage Acceptance Corporation ("Heritage") to
the complaint filed by Ms***To the extent that the complaint contains allegations directed at Heritage, Heritage denies any such allegations, but provides the following information in the hopes
of resolving the underlying issues.Heritage works very hard to ensure
that customers are treated fairly and respectfully and Heritage has an active training and compliance program to ensure that all applicable statutory and regulatory guidelines and requirements are followed with respect to
its business practicesHeritage appreciates the information that
Ms*** has provided and Heritage will take appropriate steps to address her concerns.If Ms*** has any additional
problems with this account, she may contact me directly at *** *** ext
***

Initial Business Response /* (1000, 9, 2017/02/07) */
February 7,
Revdex.com of Fort Wayne
Attn: *** ***
*** *** ***
Fort Wayne, IN XXXXX
Revdex.com Case #: XXXXXXXX
Dear Ms***
In reply to your email dated 1/24/Please be
advised the Heritage Acceptance Corporation is currently in possession of Mr***'s vehicle
Please have Mr*** contact his account representative at extension to make arrangements for the balance of this accountThank you
*** ***
AdminCollection Supervisor
Ext: ***
*** ** ***
Heritage Acceptance Corporation
Phone (XXX) XXX-XXXX Ext: ***
Fax (XXX) XXX-XXXX
Initial Consumer Rebuttal /* (3000, 11, 2017/02/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I voluntarily gave back the vehicle due to poor comunication on their part