Complaintsfor1st Heritage Credit
Need to file a complaint?
BBB is here to help. We'll guide you through the process.
Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
09/16/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am not liable for this debt with First Heritage Credit. I do not have a contract with the collection agency. They did not provide me with the original contract as I requested.Business response
09/18/2023
Please see the attached response letterInitial Complaint
09/07/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
They charge an extremely high interest rate that they try hard not to talk about, they dont report good accounts to credit report as they are required to. So it looks like a debt on your credit that isnt decreasing. As soon as youre late they have no issues reporting that to your credit report. Ill be contacting an attorneyBusiness response
09/14/2023
Please see the attached response letterCustomer response
09/14/2023
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
Complaint: 20567982
I am rejecting this response because:
Regards,
***************************
Business response
09/19/2023
Please see the attached response letterCustomer response
09/19/2023
The gentleman that responded for 1st heritage is a liar. Even after I had the loan they would not tell me the interest rate. I had to go to the office and demand the paperwork. As far as reporting thats a lie also i had to threaten them with an attorney so they would finally call someone and have an update done. As soon as your late they immediately post against your credit. A year paying on time and they never once updated my credit, my loan stayed at the same amount for a year as a debt in full amount. I just checked my credit report today and the loan amount isnt correct. They are ruining peoples credit and only care about their own profits. Now i have to pay a fee to pay my loan. I will be contacting my attorney back about this matter and the scamy practices they have.Initial Complaint
07/14/2022
- Complaint Type:
- Billing Issues
- Status:
- Answered
I borrowed a loan over 2 years ago I have made payments and also have over paid the loan even by giving lumpsum over 750 dollars when I borrowed a 1000 dollars they have garnished my check and want me to pay them 953 dollars a month when I don't even make that a month plus I work off commission 953 ×12 equals over 11,000 dollars I even asked for settlement more than once to pay off and move on I was told by ******* the account manager that I couldn't no cooperation from them when I have always been aware of settling the debt this is wrong illegal even among making the payment I was never given a monthly statement on how much I owe remaining but always harassed on payment but on my credit report the account was shown to be closed account I am very disappointed I just asked for cooperation to settle the matter and allow me to move on with my life 20,000 dollars over 2 years going forward should not warrant a penalty of 10,000 to 19,000 dollars for borrowing 1,000 dollarsBusiness response
07/26/2022
We are in receipt of the referenced BBB consumer complaint. First Heritage Credit takes consumer complaints seriously, but it is our policy to work with our customers and try to resolve any issues on an internal basis. As such, we will be reaching out directly to the consumer to (a) confirm he/she has an account with us, and (b) work through any problems and/or issues the individual may be experiencing. Thank you for the email and for bringing this matter to our attention.
*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.
Customer Reviews are not used in the calculation of BBB Rating
Customer Complaints Summary
16 total complaints in the last 3 years.
5 complaints closed in the last 12 months.