ComplaintsforHeights Finance

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Complaint Details

Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.

Initial Complaint
07/29/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter and I have felt suicidal lately as a result so I demand this matter be resolved in a fair and equitable manner, which hasn’t been done. ********** ********* These account are related to a transaction and experience that falls under the EXCLUSION section of the FCRA’s definitions; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft (as defined by the Federal Trade Commission), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least $1,000 per the civil liability section for willful non-compliance. Please DELETE this item from my consumer report! DELETE THESE ITEMS AND ISSUE ME A NEW, UPDATED COPY OF MY CONSUMER REPORT!
Business response
08/05/2024
Please see the attached response. Thank you.
Initial Complaint
11/27/2023
Complaint Type:
Customer Service Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
non stop harrassing and harassment for no reason
Business response
12/07/2023
December 6, 2023

********* ****
Via BBB online portal

Re: BBB ID #********

Dear Ms. ****:

This letter is in response to your complaint submitted to the Better Business Bureau (“BBB”)
received by Heights Finance Corporation (“Heights”) on November 27, 2023.

In your complaint, you attached an image of a live check sent to you by our company and state
that you are being harassed. As a result, you are requesting no further contact from Heights.
Please be advised that we have escalated your concerns to our Marketing Department to prevent
future marketing offers. Additionally, please review the “Prescreen and Opt-Out Notice” on the
reverse side of the live check you received. You can choose to stop receiving “prescreened”
offers of credit from our and other companies by calling toll-free ***************

If you have any additional questions or concerns, please do not hesitate to contact our Customer
Advocacy Team at ************** for assistance.

Sincerely,

Travis B******
Compliance Manager
Initial Complaint
11/10/2023
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I had taken this loan out back in 2018 and it had charged off in 2019 after I was already taken to court to have my wages garnished and I have never been back to work since. I have not been contacted since 2019 until this year about paying back my loan that is completely charged off. After talking to someone and asking for the paperwork that pertained to my loan, I was told that was not an option and needed to set up payment. Since that day several months ago, I am getting 5-6 calls a day if not more. I have blocked every number since I was not given what I had asked for. I would love for this to be cleared off my record and the calls to stop.
Customer response
11/21/2023

Better Business Bureau,

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Regards,

******** *******
Business response
11/22/2023
November 20, 2023

******** *******
Via BBB online portal

Re: BBB ID #********

Dear ******** *******:

This letter is in response to your complaint submitted to the Better Business Bureau (“BBB”)
received by Heights Finance Corporation (“Heights”) on November 10, 2023. According to our
records, you obtained a loan from our Marshall office in Missouri on April 9, 2018, in the
amount of $2,975.00 and agreed to repay it in twenty-five (25) monthly installments of $119.00
beginning May 9, 2018.

In your complaint, you state that your account was charged off in 2019 and that you were
recently contacted regarding this loan. Additionally, you state that you now receive multiple
collection calls daily and are requesting no further contact from our company. After a thorough
investigation, it has been determined that the last payment applied to your account was received
on February 26, 2019. Your account has been updated and branch personnel have been notified
to cease telephone communications.

Furthermore, our records reflect that an existing balance remains on your account which is
currently being handled by *** **** *** ******. Should you have any further questions or
would like to make payment arrangements, please contact *** **** *** ****** at ***** **** **** for further assistance.

Sincerely,

Travis *. B******
Manager of Compliance
Initial Complaint
10/18/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I had an account with ********* ******. They agreed to settle the account. I paid the settlement and received the settlement letter and they agreed to remove this entry from my credit or show current or settled in full. However, they continue to call and harass me via telephone for the $$$ owed, and they continue to report me as 120 days past due on my ******** credit report. I am giving it one more chance to resolve this issue through BBB before considering legal action with Lexington law. I just want this incorrect 120 days past due removed from my ******** report and the continued HARASSING demand for payment calls to stop.
Business response
11/17/2023
October 27, 2023

******* *******
Via BBB online portal

Re: BBB ID #********

Dear Mr. *******:

This letter is in response to your complaint submitted to the Better Business Bureau (“BBB”)
received by ********* ******* **** ************* on October 18, 2023. According to our
records, you obtained a loan from our Dallas office in Texas on January 29, 2020, in the amount
of $1,650.00 and agreed to repay it in eleven (11) monthly installments of $150.00 beginning
February 29, 2020.

In your complaint, you state you paid your account in full through a settlement offer, but our
company continues to place collection calls to your number. We have reviewed your account and
confirmed that the associated debt has been satisfied. Please be advised that this matter was
escalated to senior management and your account was updated on May 23, 2023, to ensure that
collection efforts were ceased. According to our records, since that date, no additional collection
efforts have been made on your account.

Additionally, you state that ********* is inaccurately reporting your account as 120 days past
due to the credit reporting agencies (“CRAs”). As such, you are requesting an update to the
tradeline associated with your account to ensure that it reports accurately to the CRAs. After a
thorough investigation, it has been determined that your loan is reporting accurately to all CRAs
as “Settled for less than the full balance” with a closure date of March 17, 2021.

Should you have any further questions regarding your account, please reach out to your local
branch or our Customer Advocacy Team at ************** for further assistance.

Sincerely,

Lanika M****
Senior Manager of Compliance
Initial Complaint
10/12/2023
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I have a loan with the company. I had a situation come up where I had to put my payments temporarily on hold. Plans are to pay it completely off next month. Asked the branch manager to stop calling my job before I lose it. She is constantly harrassing my supervisor and my supervisor is getting aggravated. I want her to just STOP calling everyone and wait until I can pay it off. Latest email uploadee.
Customer response
10/17/2023

Better Business Bureau,

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Regards,

******* *****
Business response
10/18/2023
October 17, 2023

******* *****
Via BBB online portal

Re: BBB ID #********

Dear Ms. *****:

This letter is in response to your complaint submitted to the Better Business Bureau (“BBB”)
received by Quick Credit Corporation (“Quick Credit”) on October 12, 2023. According to our
records, you obtained a loan from our ***** office in South Carolina on July 5, 2023, in the
amount of $1,298.44 and agreed to repay it in eleven (11) monthly installments of $118.04
beginning August 5, 2023.

In your complaint, you state that you are currently unable to make a payment, but plan to pay
your account in full next month. You further state you previously requested that branch
personnel cease collection calls to your place of employment, but the calls have continued. As
such, you are requesting no further contact from our company. After a thorough investigation,
our records do not reflect any previous request to cease collection calls were made and it has
been determined that Quick Credit branch personnel was following protocol for reaching out to
delinquent customers. Branch personnel has been attempting to contact you in order to discuss
payment options and assist you with bringing your account current.

Please be advised that your account has been updated to ensure that no further collection calls are
placed to your personal phone number or your place of employment. If you have any questions
or would like to set up a payment plan, please contact your local branch directly for assistance or
our Customer Advocacy Team at 1-866-********.

Sincerely,

Lanika M****
Senior Manager of Compliance
Initial Complaint
10/09/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I have been a customer of Heights for quite awhile and recently refinanced my loan through them. I however was involved in a car accident and was out of work for awhile. I called the local office and asked for a delay in payment or for a forgiveness in the loan because of my accident. They told me they could do nothing. I find it very unsettling that after a huge life event like a car accident Heights does nothing. I will be telling everyone I know to avoid Heights and will let as many people as I know not to use Heights. Heights Finance is a predatory lender.
Customer response
10/18/2023
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.

Your response is the response I expected from a not caring institution. You have zero empathy for your customers. I hope your business is sued for a large sum of money and is forced into bankruptcy.

Regards,

******* ******
Business response
10/25/2023
October 18, 2023

******* ******
Via BBB online portal

Re: BBB ID #********

Dear Mr. ******:

This letter is in response to your complaint submitted to the Better Business Bureau (“BBB”)
received by Heights Finance Corporation (“Heights”) on October 9, 2023. According to our
records, you obtained a loan from our ******** office in Georgia on August 30, 2023, in the
amount of $3,954.94 and agreed to repay it in thirty-six (36) monthly installments of $189.03
beginning October 1, 2023.

In your complaint, you state that you have experienced a financial hardship and recently
requested an extension of your payment due date, but branch personnel advised that they were
unable to provide assistance. After a thorough investigation, our records indicate that
management reviewed your account, and it was determined that you did not qualify for a
deferment of your monthly payment at the time of request. This information was conveyed to
you via a phone discussion that occurred on October 6, 2023.

If you have any questions or would like to set up a payment plan, please contact your local
branch directly for assistance or our Customer Advocacy Team at 1-866-********.

Sincerely,

Lanika M****
Senior Manager of Compliance
Initial Complaint
09/27/2023
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
In 2016, an account with Heights Finance was opened. It was sent to collections and then garnished from me and garnishment was completed on 1/21/2022. Heights Finance has been reporting this as a balance due incorrectly ever since. I filed a dispute on August 17, 2023 since it was showing a balance of $705. The dispute came back as valid even though ***** Law (the collection agency) has sent them on August 17, 2023 documents showing paid in full. September 13, 2023 they sent Heights Corp another statement showing ***. Then again they sent one AGAIN on September 14, 2023 BUT to an email I had to pry out of their corporate office and me so that I had the proof. I should not have to wait another 30 days for a second dispute when they were sent *** documents from ***** Law in 2022 and in August before the original dispute. Local branch and the corporate state they cannot give me documentation showing the balance of any past loans nor can they write me a letter stating it was collected in full they say.
Customer response
10/05/2023
Better Business Bureau,

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Regards,

****** ******
Business response
10/06/2023
October 5, 2023

****** ******
Via BBB online portal

Re: BBB ID #********

Dear Ms. ******:

This letter is in response to your complaint submitted to the Better Business Bureau (“BBB”)
received by Heights Finance Corporation (“Heights”) on September 27, 2023. According to our
records, you obtained a loan from our ********* **** office in Missouri on August 4, 2016, in the
amount of $3,352.42 and agreed to repay it in twenty-eight (28) monthly installments of $134.00
beginning September 5, 2016. Our records reflect that the account was paid in full on August 3,
2017.

In your complaint, you state that your account was paid off in 2022 through garnishment of your
wages. You further state you disputed the account because a balance remained on your credit
report, and you were advised that reporting was accurate. After a thorough investigation, it has
been determined that a request to update the tradeline was submitted on September 22, 2023, to
the credit reporting agencies (“CRAs”) to ensure that your account reports as “Account paid in
full, was a charge-off” with an effective date of January 28, 2022. Please allow thirty (30) days
for the update to be processed by the CRAs and to reflect on your credit report.

Sincerely,

Lanika M****
Senior Manager of Compliance
Initial Complaint
09/19/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Applied for mortgage and this showed up from April 2nd 2015 This account shows when I called on it originally delete charge-off bad ride off from 2015 period it's still showing all my credit. And when I called them in June when I found this on my credit when applying for a mortgage From there it was updated so it took 30 days and then I did it again disputed it did not be changed from charge-off account to an open account and open loan as if I had just opened it no mind you it also says on there it was 7 months long opened In April of 2015 it shows no payment history of any kind I ask and begged they refused to give me the payment history the reporting credit company won't even help me they help them let it stay on my credit to make it really hard I'm trying to buy a home I'm homeless And I'm trying to do a government loan Why I'm looking at it they think because I guess it's common for people getting mortgages and having little outstanding debts like this that they just pay him off are they included in the loan or something to work these people get paid well I've begged I've cried and the lady that I've argued with so many times Uber this keeps telling me that they have a right that it is open account I owe it even though they reported it as a write off bad debt charge-off a but because I'm trying to get a mortgage so I have to get it What other reason would they also sun report it as I open loan that goes against my debt ratio that has hurt my chances I'm giving alone They don't care I want this fixed I don't want to wait 30 days they have maliciously vindictively Trying to strong army These practices have got to be illegal you go but nobody seems to care and when you file a complaint you have to wait 30 more days 40 more days. I am on the street homeless my car's broke down I'm disabled my loan was turned down because of this so I have to start all over now. I can prove malicious intent the reporting company told me that it had been changed To open account
Customer response
10/02/2023
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.
I want some money Compensation for the malicious conduct of that company purposely purposely instead of removing it from my credit they showed it as an open account I in turn lost the chance to get my mortgage I'm homeless It's ruined my life I called I for months ask him to remove it told them it wasn't mine instead they updated it as an open account when then knowing it shouldn't have been on there anyway it was a wasted argument that I shouldn't even have to argue over I'm disabled I have a lot of illness and this is only made it worse the stress the depression I want compensation for this. And if you're not willing to compensate me $10000 for this I'll get a lawyer because I'm sure yearn it taking it to coral be worth a lot more people can't do this to people you can't ruin their lives and intentionally maliciously do this stuff to people because it truly affects them it's affected everything that 1 thing messed up so much in my life it messed up for me getting my mortgage it messed up for me getting any repairs done to be up to where I can't even get A place to live to rent and I'm on the street I'm sick of it I'm sick of being done this way by people take it in advantage and not caring somebody's going to be accountable for something they do and what this people dead is outrageous And I'm sure that a jury of my peers will feel the same way because I'm sure I'm not telling when it's had this done to that small bushes and intentional harm I begged I cried and asked him to remove this and they refused the girl laughed at me I'm done playing with people that treat the little person this way it's not right it's not Fair and I'm gonna stand up I have nothing more to lose

Regards,

***** ****
Customer response
10/17/2023
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.

Because I requested it to be resolved months ago it wasn't done I'm a timely fashion oy when I brought the bbb into it. I want every recording were I called and spoke to people that refused even telling either was their right to show it as open. And when I reported it to the credit bureau's all 7 times it wasn't promptly taken care of i had to contact bbb and attorney to get this done so mo I'm not setting I want to be paid for my time my enabling to get a mortgage and the rudeness to me the treatment I'm homeless needed that corrected and was laughed at treated so wrong by the company every time I called and by the credit reporting companies. So no I refuse this I will give it to my attorney. I cried and begged for it to be fixed so no I want reimbursed for what was done to me

Regards,

***** ****
Business response
10/17/2023
September 28, 2023

***** ****
Via BBB online portal

Re: BBB ID #********

Dear Ms. ****:

This letter is in response to your complaint submitted to the Better Business Bureau (“BBB”)
received by Covington Credit, Inc. (“Covington”) on September 19, 2023. According to our
records, you obtained a loan from our ********* office in Tennessee on April 2, 2015, in the
amount of $364.00 and agreed to repay it in seven (7) monthly installments of $52.00 beginning
May 2, 2015. Our records reflect that the account was charged off on October 27, 2015.

In your complaint, you state you attempted to purchase a home and applied for a loan, but a
charged off account from Covington appeared on your credit report. After a thorough
investigation, it has been determined that your account is no longer reporting to two of the credit
reporting agencies, Equifax and Experian. We identified that the account was still reporting to
TransUnion and as such, a request to delete the tradeline has been submitted. Should you have
any additional questions regarding the account in question, please contact TransUnion directly or
our Customer Advocacy Team at (866) ********.

Sincerely,

Lanika M****
Senior Manager of Compliance
Business response
10/17/2023
October 13, 2023

***** ****
Via BBB online portal

Re: BBB ID #********

Dear Ms. ****:

This letter is in response to your follow up correspondence to the Better Business Bureau (“BBB”)
received by Covington Credit, Inc. (“Covington”) on October 4, 2023. As stated in our original
response dated September 28, 2023, after a thorough investigation, it was determined that your
account was still reporting to TransUnion. Upon identification of the error, a request to delete the
tradeline was submitted immediately.

We understand your disappointment that this issue occurred. However, the error was promptly
resolved once identified as required. Should you have any additional questions regarding the
account in question, please contact TransUnion directly or our Customer Advocacy Team at (866)
********.

Sincerely,

Lanika M****
Senior Manager of Compliance
Initial Complaint
09/19/2023
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
This creditor is reporting inaccurate info on my credit report . Ive communicated with the IRS and any company that still reporting a chargeoff on a consumer report after they got it written off is illegal they discharged the debt , got a tax write off , yet still reports it on my credit report under charge off status and still trying to collect . This is tax fraud . this account has to be deleted or i will seek litigation . I still havent received a response from them
Business response
10/09/2023
September 28, 2023

******** *****
Via BBB online portal

Re: BBB ID #********

Dear Ms. *****:

This letter is in response to your complaint submitted to the Better Business Bureau (“BBB”)
received by ********* ******* **** ************* on September 19, 2023. According to our
records, you obtained a loan from our Beaumont office in Texas on May 14, 2019, in the amount
of $882.00 and agreed to repay it in nine (9) monthly installments of $98.00 beginning June 14,
2019. Our records reflect that your account was charged off and subsequently sold to National
Credit Adjusters, LLC (“NCA”) on September 30, 2022.

In your complaint, you state that we are reporting inaccurate information to the credit reporting
agencies (“CRAs”) and claim that we are illegally reporting information to the CRAs because
your account has been charged off. You further state that we continue to make collection
attempts on the account despite the charge-off status and, as such you are requesting deletion of
the tradeline to ensure that it no longer appears on your credit report. Please be advised that
charged off debt is not cancelled or forgiven, and your account may continue to report to the
CRAs. We have verified that your loan is reporting accurately as “charged off and sold”.
Covington has ceased collection efforts on the account as we no longer own the debt and denies
that it is furnishing inaccurate account data.

After a thorough investigation, it appears that our company has not violated any federal or state
laws and as such, your request to remove accurate information from your credit report will not be
granted. Should you have any additional concerns regarding your account, please contact the
debt buyer, *** at ***** *********

Sincerely,

Travis *. B******
Manager of Compliance
Initial Complaint
09/06/2023
Complaint Type:
Order Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
When I got a loan with Height's Finance in Mt. Vernon il they took the title of my car. I have since paid off the loan and they will not give me the original title to make car back. The gave me their copy of the title with their name still on it.
Business response
09/28/2023
September 13, 2023

****** ****
Via BBB online portal

Re: BBB ID #********

Dear Ms. *****

This letter is in response to your complaint submitted to the Better Business Bureau (“BBB”)
received by Heights Finance Corporation (“Heights”) on September 6, 2023. According to our
records, you obtained a loan from our Mt. Vernon office in Illinois on July 24, 2023, in the
amount of $2,880.62 and agreed to repay it in twenty-five (25) monthly installments of $170.00
beginning September 3, 2023.

In your complaint, you state you paid your account in full and we have not provided you with the
title to your vehicle. You further state that you received a copy of the title, but your name was
not included on the document. After a thorough investigation, it has been determined that you
discussed this matter with the District Manager on September 8, 2023. During this conversation
via phone call, he explained to you that the title you received after paying the loan in full had
been stamped and signed, releasing the lien created upon origination of the loan. As such,
Heights no longer has a lien on the vehicle and the title may be used to sell, trade-in, or give
away the vehicle. Should you have further questions regarding your account, please contact the
branch directly at ***** ********.

Sincerely,

Lanika M****
Senior Manager of Compliance

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