Professional Auto

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.Ms*** purchased a Suzuki or about August 26, The contract was assigned to HeritageThe original term of the contract was 1/
yearsThis means that ifMs*** made her scheduled payments on time, she would pay the
full amount owed in 1/years and her
balance would be zero.However, Ms
*** has been inconsistent in making payments on her accountAs is shown on the Customer Payment History (attached), although the contract
called for her to make a payment of $
every other week, she has often missed paymentsWhen customers miss payments, the result is that additional interest accrues because they
do not pay the principle off as quicklyThis can result in taking longer to
pay off the balance of the account.Heritage believes that it has acted properly in this matterIt is
unfortunate whencustomers like Ms*** finance vehicles and make inconsistent
payments; but that does not obligate Heritage to
waive the amounts dueThe attached Payment History is correct.If Ms*** has any additional questions
with this account, she may contact me directly at *** *** ext***

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.Thank you

Initial Business Response /* (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: *** ***
*** *** ***
*** *** IN XXXXX
Revdex.com Case
#:XXXXXXXX
Dear Ms***
In reply to your complaint opened 8/31/16, it appears that a payment history was mailed to Ms*** on 6/20/
Please have Ms*** contact *** at extension *** or contact her team leader *** at extension *** in order to obtain the information she is requesting
Thank you,
*** ** ***
AdminCollection Supervisor
Initial Consumer Rebuttal /* (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 /* (4000, 9, 2016/09/06) */
September 6,
Revdex.com of Fort Wayne
Attn: *** ***
*** *** ***
Fort Wayne, IN XXXXX
Revdex.com Case #:XXXXXXXX
Dear Ms***
In reply to your complaint opened 8/31/, please have Ms*** contact *** at extension *** or contact her team leader *** at extension *** in order to obtain the information she is requesting
Thank you,
*** ***
AdminCollections Supervisor
Ext: ***

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 *** ***'s behalf. Negligence to not change it, I'm happy I record phone calls and save texts.

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

Initial Business Response /* (1000, 8, 2015/10/12) */
October 12,
Re: Case #: XXXXXXXX
*** ***
Dear Ms***
In reply to your email dated 9/25/ Please be advised that Heritage Acceptance Corporation is considered a "high-risk" finance company
Ms***'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***'s account was put up for repossession
Heritage Acceptance Corporation hires an outside company to repossess for us Any complaints Ms*** has about the repossession or item returns will need to be taken up with the repossession service that repossessed her vehicle
If Ms*** has any questions, please have her contact her account representative Loretta at extension
Thank you,
*** ***
Administrative Collections Supervisor

Initial Business Response /* (1000, 5, 2016/08/22) */
August 22,
Revdex.com of Fort Wayne
Attn: *** ***
*** *** ***
Fort Wayne, IN XXXXX
Revdex.com Case #:XXXXXXXX
Dear Ms***
In reply to the above referenced case opened 8/18/ We
have requested that an update be made to Mr***'s credit bureau reporting with both Equifax and Trans Union Credit Bureaus Please note that we do not report to Experian Credit BureauMr***'s credit bureau was requested to show his account with Heritage Acceptance Corporation as "Account Paid from Collateral - Closed 4/25/ x 30"
If Mr*** does not believe this to be accurate, please have him contact both Equifax and Trans Union Credit Bureaus for a "Consumer Dispute Form"
If you have any questions, please feel free to contact me
Sincerely,
*** ***
Administrative Collection Supervisor
Ext: ***
Initial Consumer Rebuttal /* (2000, 7, 2016/08/23) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept because they followed through with the terms of the loan

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 account Thank 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

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, 7, 2017/11/06) */
This letter will serve as the written response of Heritage Acceptance Corporation
("Heritage") to the complaint filed by *** *** 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*** 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*** made the $payment, the account was closed, and the vehicle title was sent to her
Recently, Ms*** 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
***'s accountThis information has been repeatedly communicated to Ms***
Ms*** is requesting that Heritage remove all reference to this accountHeritage does not believe that removing the account from Ms***'s credit report represents an accurate reporting of the account statusHowever, in consideration of Ms*** '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*** 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*** 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***'s credit report may not show up for thirty to sixty (30-60) daysWe recommend that Ms*** re-check her credit report after that time has passedIf you have any questions or need additional information, you may contact me directly at *** ***, ext***
Initial Consumer Rebuttal /* (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 /* (4000, 11, 2017/11/17) */
This letter will serve as the second written response of Heritage Acceptance Corporation ("Heritage") to the complaint filed by *** *** 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***'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*** 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*** 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***'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*** was offered, Heritage was obligated to remove the device, and did so as required
As stated in our previous response, in consideration of Ms***'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***'s credit report may not show up for thirty to sixty (30-60) daysWe recommend that Ms*** re-check her credit report after that time has passedIf you have any questions or need additional information, you may contact me directly at 1*** *** ***, ext***
Final Consumer Response /* (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 /* (1000, 5, 2016/02/19) */
February 19,
Revdex.com
Attn: *** ***
Parnell Ave
Fort Wayne, IN XXXXX
Re: Case #XXXXXXXX
*** ***
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***'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*** 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 ***
AdminCollections Supervisor
Ext:
Initial Consumer Rebuttal /* (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 /* (4000, 9, 2016/02/22) */
February 22,
Revdex.com
Attn: *** ***
Parnell Ave
Fort Wayne, IN XXXXX
Re: Case #XXXXXXXX
*** ***
Dear MsAnciani-Dutt:
As of today, please advice Ms*** that Tyler will be her account representative His extension is As previously stated, once Ms*** 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 ***
AdminCollections Supervisor
Ext:

Initial Business Response /* (1000, 5, 2017/06/01) *
This letter will serve as the response of Heritage Acceptance Corporation ("Heritage") to the complaint filed by Mr***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*** purchased a Buick Lucerne on August 26,from *** *** in Quincy, IllinoisThe contract was assigned to HeritageAccording to the Contract, Mr*** has made the following monthly payments
September No Payment
October 28, ***
November No Payment
December No Payment
January 12, *** (returned for insufficient funds)
February 7, *** (returned for insufficient funds)
February 14, *** (returned for insufficient funds)
February 25, ***
March No Payment
April No Payment
May 17, Vehicle Repossessed
In his complaint, Me*** 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*** 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***'s major complaintsHeritage would like Mr*** 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*** has any additional problems with this account, he may contact me directly at (XXX) XXX-XXXX ext***
Best regards,
*** ** *** ***
General Counsel
Initial Consumer Rebuttal /* (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 /* (1000, 5, 2015/08/12) */
August 12,
Revdex.com
Attn: *** ***
Parnell Ave
Fort Wayne, IN XXXXX
Re: Case #XXXXXXXX
*** ***
Dear Ms***
In reply to your email dated 8/11/
Heritage Acceptance Corporation financed the Hyundai XGfor Ms*** This money was paid to a dealership and a contract was signed explaining the amount financed, due date, interest rate and any additional charges
Please have Ms*** contact our office to make arrangements on the remaining balance of her account with us
Thank you,
*** ***

Initial Business Response /* (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: *** ***
*** *** ***
*** *** IN XXXXX
Revdex.com Case
#:XXXXXXXX
Dear Ms***
In reply to your complaint opened 8/31/16, it appears that a payment history was mailed to Ms*** on 6/20/
Please have Ms*** contact *** at extension *** or contact her team leader *** at extension *** in order to obtain the information she is requesting
Thank you,
*** ** ***
AdminCollection Supervisor
Initial Consumer Rebuttal /* (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 /* (4000, 9, 2016/09/06) */
September 6,
Revdex.com of Fort Wayne
Attn: *** ***
*** *** ***
Fort Wayne, IN XXXXX
Revdex.com Case #:XXXXXXXX
Dear Ms***
In reply to your complaint opened 8/31/, please have Ms*** contact *** at extension *** or contact her team leader *** at extension *** in order to obtain the information she is requesting
Thank you,
*** ***
AdminCollections Supervisor
Ext: ***

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, 5, 2017/01/19) */
Sent: Thursday, January 19, XXXX X:XX AM
To: *** ***
Subject: *** - Complaint
January 18,
Revdex.com of Fort Wayne
Attn: *** ***
*** *** ***
Fort Wayne, IN XXXXX
Revdex.com Case #:
XXXXXXXX
Dear Ms***
Please be advised that the situation with Mrand Mrs*** has been resolved Our account representative did speak with Mrs*** on 1/17/and advised her that the error that occurred has been corrected and they should be able to plate their car as If there is a problem, or they have any questions, please have them contact their account representative, *** at extension ***
Thank you
*** ***
AdminCollection Supervisor
*** ** ***
Heritage Acceptance Corporation
Phone (XXX) XXX-XXXX Ext: ***
Fax (XXX) XXX-XXXX
Initial Consumer Rebuttal /* (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 *** 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 /* (4000, 14, 2017/01/24) */
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 have Mror Mrs*** fax the response from the State of Illinois to XXX-XXX-XXXX That will come directly to our office Also, we do have a *** in our Funding Department That is a different *** than the one that is Mrand Mrs***'s representative The person they will want to speak with is Jay at extension ***
I hope this clarifies any misunderstandings
Thank you,
*** ***
AdminCollection Supervisor
Ext: ***
*** ** ***
Heritage Acceptance Corporation
Phone (XXX) XXX-XXXX Ext: ***
Fax (XXX) XXX-XXXX
Final Consumer Response /* (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

Initial Business Response /* (1000, 5, 2015/04/15) */
April 15, 2015
Revdex.com
Attn: [redacted]
Fort Wayne, IN XXXXX
Re: Case #XXXXXXXX
[redacted]
Opened XXXX-XX-XX

Dear Ms. [redacted]
In reply to your email dated...

April 7, 2015. I am showing Heritage Acceptance Corporation as reporting to both Equifax and Trans Union Credit Bureaus. Our company is reporting Mr. [redacted] as of 3/11/15 as "Redeemed Repossession. 11-Open/Closed in Good Std. 3 x 30 and 1 x 60". Please note our company does not report to Experian.
If Mr. [redacted] believes his account with Heritage Acceptance Corporation is not being reported to either Equifax or Trans Union, please have him contact those companies direct for a "Consumer Dispute Form" and hopefully we can get the reporting resolved with both Equifax and Trans Union direct.
If you have any questions, please contact me.
Sincerely,
[redacted] M. [redacted]
Administrative Collections Supervisor
Extension: [redacted]
Initial Consumer Rebuttal /* (3000, 13, 2015/04/29) */
I still haven't got my account reported to the credit bureaus with the account I have with Heritage Acceptance. I called the credit bureaus on 4/28/15 at 6:30pm to see if any changes has been made to my credit. The response was no. So I'm unsatisfied with the outcome thanks [redacted].
Final Business Response /* (4000, 26, 2016/06/10) */
June 10, 2016


Revdex.com
Attn: [redacted]
Fort Wayne, IN XXXXX

Re: Case #XXXXXXXX
[redacted]


Dear Ms. [redacted]

In reply to the complaint dated 6/10/16, please be advised that Heritage Acceptance Corpation is reporting Mr. [redacted] monthly to both Equifax and Trans Union Credit Bureaus. We do not report to Experian. If Mr. [redacted] believes his account is not reporting, please have him contact both Equifax and Trans Union for a Consumer Dispute Form.

If Mr. [redacted] has any questions, please have him contact [redacted] at Ext: [redacted]


Thank you,



[redacted]
Admin. Collection Supervisor
Ext: [redacted]

[redacted] M. [redacted]
Heritage Acceptance Corporation
Phone (XXX) XXX-XXXX Ext: [redacted]
Fax (XXX) XXX-XXXX
Final Consumer Response /* (4200, 28, 2016/06/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have being asking Heritage for almost a year about this problem nothing has been resolved. I have contact the credit bureaus and they response was that I wasn't able to do nothing about it. I would have to contact my lender to report so they can make the proper steps to get the account to show up on my credit reports. So the only way for this problem to get resolve I feel Hertiage needs to contact someone at the credit bureaus so I can get this account on my credit thanks.

Initial Business Response /* (1000, 5, 2017/01/19) */
Sent: Thursday, January 19, XXXX X:XX AM
To: [redacted]
Subject: [redacted] - Complaint
January 18, 2017



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 Mr. and Mrs. [redacted] has been resolved. Our account representative did speak with Mrs. [redacted] on 1/17/17 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]
Admin. Collection Supervisor

[redacted]
Heritage Acceptance Corporation
Phone (XXX) XXX-XXXX Ext: [redacted]
Fax (XXX) XXX-XXXX
Initial Consumer Rebuttal /* (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 me. All 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 me. I contacted the Secretary of State in Illinois on the 17th and I have the e mail to prove it.
Final Business Response /* (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 1/24/17. Please have Mr. or Mrs. [redacted] fax the response from the State of Illinois to XXX-XXX-XXXX. That will come directly to our office. Also, we do have a [redacted] in our Funding Department. That is a different [redacted] than the one that is Mr. and Mrs. [redacted]'s representative. The person they will want to speak with is Jay at extension [redacted]

I hope this clarifies any misunderstandings.

Thank you,



[redacted]
Admin. Collection Supervisor
Ext: [redacted]


[redacted]
Heritage Acceptance Corporation
Phone (XXX) XXX-XXXX Ext: [redacted]
Fax (XXX) XXX-XXXX
Final Consumer Response /* (4200, 16, 2017/01/25) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have provided tje proof. As of this response it is obvious we are not going to be able to spwak with anyone with authority. I will no longer go back and forth it is going no where. I will now turn it over to our attorney and let him handle it. Thank You for the assistance.

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 08/2015 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 08/2015 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 /* (1000, 5, 2017/06/01) *
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 issues. Mr. [redacted] purchased a 2007 Buick Lucerne on August 26,2016 from [redacted] in Quincy, Illinois. The contract was assigned to Heritage. According to the Contract, Mr. [redacted] has made the following monthly payments.
September 2016 No Payment
October 28, 2016 [redacted]
November 2016 No Payment
December 2016 No Payment
January 12, 2017 [redacted] (returned for insufficient funds)
February 7, 2017 [redacted] (returned for insufficient funds)
February 14, 2017 [redacted] (returned for insufficient funds)
February 25, 2017 [redacted]
March 2017 No Payment
April 2017 No Payment
May 17, 2017 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 contract. Additionally, 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 him. Heritage firmly believes that is has acted properly and within the terms of the contract. Mr. [redacted] also neglected to mention that Heritage has returned the vehicle to him in the hopes that he will begin making his regularly scheduled payments. Heritage believes that this resolves Mr. [redacted]'s major complaints. Heritage 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 consequences. If 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 /* (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 12 days later, when my contract with your company clearly states nothing can be done for 21 days. I've had several legal advisors look over the contract and have stated that I am correct. I am also aware that your company is in violation of several Federal acts and regulations that protect veterans. But I will let my legal advisors deal with that portion. It'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 changed. If you would like to settle this behind closed doors instead of airing it on this website then please contact me directly.