ComplaintsforHeights Finance

• Initial Complaint

  08/24/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I recently discovered that the CRA's have been reporting accounts from your business as open even though they were closed over 7 years ago from ********* ******* The CRA's (credit reporting agency's) suggest that payments were made on Mar 2021 on the closed accounts. To avoid liability for false statements made by you or the credit reporting agencies, please remove any accounts from ********* ****** for my credit files.

  Business response

  09/21/2023

  September 4, 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 August 24, 2023. According to our
  records, you obtained a loan from our Commerce office in Georgia on June 1, 2015, in the
  amount of $684.00 and agreed to repay it in nine (9) monthly installments of $76.00 beginning
  July 1, 2015.
  
  In your complaint, you state there are accounts from ********* that appear on your credit report
  that were closed more than seven years ago. You further state that your credit report reflects
  payments that were made in March 2021. After a thorough investigation, it has been determined
  that ********* is not reporting any accounts in your name to the credit reporting agencies
  (“CRAs) and the last payment submitted on an account in your name was received on November
  20, 2015.
  
  For us to further investigate your claims, please submit the details of your dispute to the address
  given below. Those required details are to (1) identify any specific information that you dispute;
  (2) explain a basis for any dispute; and (3) include any supporting documentation to substantiate
  any dispute.
  
  Once we receive this information, we will investigate and supply you with copies of any additional
  documentation you request.
  
  Please submit the requested information to the address below:
  
  Compliance Department
  Heights Finance
  **** ****** *** **** *********** ** *****
  
  Sincerely,
  
  Lanika M****
  Senior Manager of Compliance

• Initial Complaint

  08/16/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I’m not liable for the debt with ********* ******. I do not have a contract with NCA. They did not provide me with the original contract as I requested.

  Business response

  09/07/2023

  August 24, 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 ********* ****** ************ ************* on August 15, 2023. According to our
  records, you obtained a loan from our Lebanon office in Tennessee on August 2, 2019, in the
  amount of $364.00 and agreed to repay it in seven (7) monthly installments of $52.00 beginning
  September 2, 2019.
  
  In your complaint, you state you are not responsible for repayment of a debt with ********* ******, and you do not have a contract with National Credit Adjusters, LLC. You further state
  that the original loan contract has not been provided to you after previously requesting the
  document. As such, you are requesting the removal of the account as it appears on your credit
  report.
  
  In order to provide a resolution to your complaint and address your concerns, we require
  clarification and additional details regarding this matter. Please advise if you are requesting
  validation of the account in question or if you claim to be a victim of identity theft. Additionally,
  please provide the full account number that appears on your credit report. Upon receipt of this
  information, we will promptly initiate an investigation.
  
  Sincerely,
  
  
  Lanika M****
  Senior Manager of Compliance

• Initial Complaint

  08/10/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This is with regard to the referenced account number. On October 13, 2016, I took out a loan with Heights Finance (************), and did well for awhile. Prior to this, I had never had negative information on my report, but, unfortunately, I was unable to pay my loan for several months due to a broken clavicle that sidelined me for almost a year, ultimately keeping me from work. I was able to settle the account for slightly less than owed, and thanks to better health choices, I have since resumed my job and the future is bright. I am writing to request that Heights Finance remove the account from my credit reports as a gesture of goodwill. The account is scheduled to fall off soon anyway, and your help will make a great difference in my life Thank you.

  Business response

  08/29/2023

  August 17, 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 August 10, 2023. According to our
  records, you obtained a loan from our Kokomo office in Indiana on October 13, 2016, in the
  amount of $2,272.76 and agreed to repay it in twenty-five (25) monthly installments of $90.00
  beginning November 28, 2016.
  
  In your complaint, you are requesting the removal of the above-stated account from your credit
  report as a goodwill gesture. After a thorough investigation, it has been determined that your
  loan is reporting accurately to the credit reporting agencies as “Paid in full for less than the full
  balance.” As such, it appears that our company has not violated any federal or state laws and will
  not grant your request to remove the tradeline associated with your account.
  
  Sincerely,
  
  
  Travis *. B******
  Manager of Compliance

  Business response

  08/29/2023

  August 17, 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 August 10, 2023. According to our
  records, you obtained a loan from our Kokomo office in Indiana on October 13, 2016, in the
  amount of $2,272.76 and agreed to repay it in twenty-five (25) monthly installments of $90.00
  beginning November 28, 2016.
  
  In your complaint, you are requesting the removal of the above-stated account from your credit
  report as a goodwill gesture. After a thorough investigation, it has been determined that your
  loan is reporting accurately to the credit reporting agencies as “Paid in full for less than the full
  balance.” As such, it appears that our company has not violated any federal or state laws and will
  not grant your request to remove the tradeline associated with your account.
  
  Sincerely,
  
  
  Travis *. B******
  Manager of Compliance

  Business response

  08/29/2023

  August 17, 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 August 10, 2023. According to our
  records, you obtained a loan from our Kokomo office in Indiana on October 13, 2016, in the
  amount of $2,272.76 and agreed to repay it in twenty-five (25) monthly installments of $90.00
  beginning November 28, 2016.
  
  In your complaint, you are requesting the removal of the above-stated account from your credit
  report as a goodwill gesture. After a thorough investigation, it has been determined that your
  loan is reporting accurately to the credit reporting agencies as “Paid in full for less than the full
  balance.” As such, it appears that our company has not violated any federal or state laws and will
  not grant your request to remove the tradeline associated with your account.
  
  Sincerely,
  
  
  Travis *. B******
  Manager of Compliance

• Initial Complaint

  08/08/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This was a charge off and was suppose to be removed years ago

  Business response

  08/29/2023

  August 17, 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 August 8, 2023. According to our
  records, you obtained a loan from our Clarksville office in Tennessee on December 24, 2018, in
  the amount of $792.00 and agreed to repay it in nine (9) monthly installments of $88.00
  beginning January 24, 2019. Our records reflect that your account was charged off on July 30,
  2019, and subsequently sold to National Credit Adjusters, LLC on September 30, 2022.
  
  In your complaint, you state that your account with ********* has been charged off and should
  have been removed from your credit report. After a thorough investigation, it has been
  determined that your loan is reporting accurately to the credit reporting agencies. *********
  denies that it is furnishing inaccurate account data. It appears that our company has not violated
  any federal or state laws. We furnish all credit information fully and accurately to the credit
  reporting agencies and accordingly, we will not grant your request to remove accurate data.
  
  If you have any further concerns regarding this account, we ask that you reach out to the owner
  of the account National Credit Adjusters, LLC at ***** ********.
  
  Sincerely,
  
  
  Lanika M****
  Senior Manager of Compliance

• Initial Complaint

  08/01/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This company have multiple accounts on my credit report and I'm asking for this company to remove these accounts which is the same account. This is a violation of my privacy right and a misuse of my credit information. The information is being reported and is inaccurate.

  Business response

  08/15/2023

  August 9, 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 August 1, 2023. Our records indicate
  that your most recent loan was obtained at our Houston office in Texas on September 10, 2021,
  in the amount of $1,969.00 and you agreed to repay it in eleven (11) monthly installments of
  $179.00 beginning October 10, 2021. This loan has since been charged off and subsequently sold
  to National Credit Adjusters, LLC (“NCA”) on July 31, 2023.
  
  In your complaint, you state that multiple loan accounts from Heights appear on your credit
  report and claim we have violated your right to privacy, misused your credit information and
  reported information inaccurately; therefore, you are requesting these accounts be removed from
  your credit report. After a thorough investigation, it has been determined that your loan accounts
  are reporting accurately. Your loan accounts prior to the most recent are reporting as “Paid as
  Agreed” and “Closed”. Your most recent loan account was sold to NCA on July 31, 2023; as
  such, the account changes will be provided to the credit reporting agencies (“CRAs”) within our
  July 2023 credit file.
  
  Heights denies that it is furnishing inaccurate account data and it appears that our company has
  not violated any federal or state laws. We furnish all credit information fully and accurately to
  the CRAs and accordingly, we will not grant your request to remove accurate data.
  Should you have additional concerns regarding the account in question, please contact the
  current debt owner, NCA at ***** *********
  Sincerely,
  
  
  Lanika M****
  Senior Manager of Compliance

• Initial Complaint

  08/01/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not aware of this account. I have reached out to ******** and ********** Credit Bureaus, and with ACCEPTANCE NOW to have this account removed from my file and they are always saying the same excuse, which is no longer acceptable. I have filed this as an outcome of Identity Theft. Regardless of all actions done on my end, there was no action from ******** and ********** Credit Bureaus. Thus, I am reaching out to seek assistance to have ACCEPTANCE NOW confirm that I have no account with them and that the ******** and ********** Credit Bureaus can simply remove it from my credit report. HEIGHTS FIN ************, Date Opened: 11/21/2015, Balance: $0.00 HEIGHTS FIN ************, Date Opened: 05/30/2014, Balance: $0.00 HEIGHTS FIN ************, Date Opened: 06/07/2013, Balance: $0.00

  Business response

  08/09/2023

  August 2, 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 August 1, 2023.
  
  In your complaint, you state that you are not aware of any account with Heights and previously
  contacted the credit reporting agencies for assistance, but the account continues to appear on your
  credit report. The Heights Fraud Department has been notified and will be mailing you the required
  documents for this claim of ID Theft to be investigated. The forms will be mailed in 1-2 business
  days, to the address listed in your complaint. These will be mailed in a plain envelope without any
  company information, due to privacy.
  
  Sincerely,
  
  
  Lanika M****
  Senior Manager of Compliance

• Initial Complaint

  07/19/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not aware of this account. I have reached out to ********** ****** ******, and with HEIGHTS FINANCE to have this account removed from my file and they are always saying the same excuse, which is no longer acceptable. Regardless of all actions done on my end, there was no action from ********** ****** ******. Thus, I am reaching out to seek assistance to have HEIGHTS FINANCE confirm that I have no account with them and that the ********** ****** ****** can simply remove it from my credit report.

  Business response

  07/28/2023

  July 21, 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 July 19, 2023.
  
  We have searched our records using the name and address provided but were unable to identify
  the specific account or account holder.
  
  If you will send us your full social security number, if available, the full account number, and the
  details of your complaint, we will respond accordingly.
  
  Sincerely,
  
  
  Lanika M****
  Senior Manager of Compliance

• Initial Complaint

  07/14/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am not liable for this debt with. ********* ******, I do not have a contract with, ********* ******, he did not provide me with the original contract as I requested

  Business response

  07/25/2023

  July 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 ********* ****** ************ ************* on July 14, 2023.
  
  In your complaint, you state that you are not liable for the debt in question and never signed a loan
  contract. You further state that you have previously requested copies of the loan documents but
  have not received any of the requested information. The ********* ****** Fraud Department have
  been notified and will be mailing you the required documents for this claim of ID Theft to be
  investigated. The forms will be mailed in 1-2 business days, to the address listed in your complaint.
  These will be mailed in a plain envelope without any company information, due to privacy.
  
  Sincerely,
  
  
  Travis *. B******
  Manager of Compliance

• Initial Complaint

  07/05/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I want to make sure there is no loan up against my home. I received a card with my address on it but I never contacted them before and never have heard of them. I want to make sure that they are not trying to put my place up for collateral or coming after me for a debt.

  Business response

  07/20/2023

  July 14, 2023
  
  ***** ****
  Via BBB online portal
  
  Re: BBB ID #20275802
  
  
  Dear Mr. ****:
  
  This letter is in response to your complaint submitted to the Better Business Bureau (“BBB”)
  received by Heights Finance Corporation (“Heights”) on July 5, 2023.
  
  We have searched our records using the name and address provided but were unable to identify
  the specific account or account holder.
  
  If you will send us your full social security number, if available, the full account number, and the
  details of your complaint, we will respond accordingly.
  
  Sincerely,
  
  
  Lanika M****
  Senior Manager of Compliance

• Initial Complaint

  06/30/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  This creditor charged off this account on January 31, 2018. They failed to file a 1099-C for cancellation of debit. They keep reporting non payment to this account against my credit report and keep adding on interest on a closed account .

  Customer response

  07/14/2023

  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. 
  

  Heights Finance replied with a letter stating that they can not able to identify me under address and or account number. With this response I demand them contact all 3 credit bureaus and have the account deleted immediately.  If this is not done I will file a complaint with the CFPB as well. 

  
  
  Regards,
  
  ****** *******

  Customer response

  07/18/2023

  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. 
  
  Once again Heights Finance has not met the FCRA requirements. They are a financial institution that reports to the Credit Reporting Agencies. They state that they cannot locate my identity with just my name. I should not have to provide anything to this financial institution besides my name to investigate if they have a file or not. This proves that they are inaccurately if they CAN NOT find any records just by a first and last name. They are the ones that are reporting the reports to the CRA’s. I demand Heights Finance to send a letter to all the Credit Reporting Agencies to have any items with their Companies name removed from my Credit Report. 
  
  Regards,
  
  ****** *******

  Business response

  07/19/2023

  July 3, 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 June 30, 2023.
  
  We have searched our records using the name and address provided but were unable to identify
  the specific account or account holder.
  
  If you will send us your full social security number, if available, the full account number, and the
  details of your complaint, we will respond accordingly.
  
  Sincerely,
  
  
  Lanika M****
  Senior Manager of Compliance

  Business response

  07/19/2023

  July 17, 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 June 30, 2023.
  
  We have searched our records using the name and address provided but were unable to identify
  the specific account or account holder. As previously requested in our initial response dated July
  3, 2023, please provide your full social security number and, if available, the full account
  number, so that we may conduct a reasonable investigation to fully investigate your concerns. At
  this time, we are unable to fulfill your request regarding removal of the account from your credit
  history as we do not have the necessary information to locate and research the account
  referenced in your complaint.
  
  
  Sincerely,
  
  
  Lanika M****
  Senior Manager of Compliance

*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. ↩