Professional Auto

Initial Business Response /* (1000, 8, 2015/10/12) */
October 12, 2015
Re: Case #: XXXXXXXX
[redacted]

Dear Ms. [redacted]
In reply to your email dated 9/25/15. Please be advised that Heritage Acceptance Corporation is considered a "high-risk" finance company....

Ms. [redacted]'s first payment was due on 9/19/15. 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 460.
Thank you,
[redacted]
Administrative Collections Supervisor

Initial Business Response /* (1000, 5, 2015/06/30) */
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 denied any such...

allegations, but provided the following information in the hops of resolving the underlying issues.
Ms. [redacted]’s description of the events surrounding the failure and replacement with the GPS device in her vehicle are basically accurate. Heritage does however, disagree with her allegation that the voicemails she left have been unanswered and that she was treated rudely by staff here. Heritage works extremely hard to respond quickly and professionally to all customer inquiries.
Heritage apologizes for Ms. [redacted] inconvenience. The GPS Devices belong to a company called [redacted]. [redacted] is responsible for the installation of and servicing of the GPS devices. The GPS device in Ms. [redacted]’s vehicle malfunctioned after being in the vehicle for approximately two (2) months. [redacted] was contacted to make the appropriate repairs. Heritage has no control over when [redacted] send a technician to repair one of its GPS devices. Heritage is sorry the repair took longer than Ms. [redacted] believed it should have taken but again the timeliness of the repair is not something Heritage can control. However, Heritage will be having further discussions with contacts at [redacted] to address this issue.
At this time, Heritage will not adjust Ms. [redacted]’s account balance and is unable to reimburse her for her travel expenses.
If Ms. [redacted] has any additional problems with this account, she may contact me directly at ([redacted] ext [redacted]
Best Regards
Charles [redacted]
Initial Consumer Rebuttal /* (3000, 12, 2015/07/15) */
I am extremely dissatisfied that HAC failed to assume responsibility for what transpired and for how I was treated throughout the ordeal.

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 [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] purchased a vehicle in November 2012. This purchase created her account with Heritage.
Towards the end of the account in April 2016, Heritage agreed to accept $450.00 as payment in full for the balance on the account. The account balance at the time was over $800. Ms. [redacted] made the $450 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 agencies. Currently, Heritage is reporting the account (pursuant to the Metro2 Format standard) as "Closed account, paid in full • for less than full balance". Heritage believes that this correctly and accurately describes Ms.
[redacted]'s account. This information has been repeatedly communicated to Ms. [redacted].
Ms. [redacted] is requesting that Heritage remove all reference to this account. Heritage does not believe that removing the account from Ms. [redacted]'s credit report represents an accurate reporting of the account status. However, in consideration of Ms. [redacted] 's request, Heritage is looking into the possibility (and the legality) of removing her account from the credit agencies. If this proves to be possible (and legal), Heritage will request that the account be removed. Ms. [redacted] must understand that removing this account from
her credit report may have an adverse impact on her overall credit score. Heritage has no control over the credit scoring process or on how one item on a person's credit report impacts the overall score. Ms. [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) days. We recommend that Ms. [redacted] re-check her credit report after that time has passed. If you have any questions or need additional information, you may contact me directly at [redacted], ext. [redacted].
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 $450 because of the part that was defective on my car. And 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 score. I 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 4 yrs while paying this car and I was NEVER LATE!!!! So now because they stated that they would take $450 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 [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 position. We 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 lawful. In 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 requested. Rather than waiting to see if Heritage can accomplish that, Ms. [redacted] immediately responded with insults and new accusations. This 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 purchase. That was disclosed to her at the time (see attached Disclosure Statement). Paragraph 9 of the Disclosure Statement provides that at the end of the contract, Heritage is responsible for
removing that device from the Vehicle. This 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 agencies. If 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) days. We recommend that Ms. [redacted] re-check her credit report after that time has passed. If you have any questions or need additional information, you may contact me directly at 1[redacted], ext. [redacted]
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 $800 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 $800 and it still hasn't been generated. I agreed to what their Account representative asked for and that was the $450. 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 $450 was paid. They violated the FCDA and when I contacted them about the situation they didn't mark it as disputed in 30 days as the law allows on a credit report if you are going to dispute the issue. You have that information as well. This 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 $800 it was not a problem because this company had been getting money out of my account for 4 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 etc. how 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, 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 2005 Dodge Stratus from Quick Auto, Inc. on November 6, 2009. Her account was assigned to Heritage on or about the same day. A copy of the Retail Installment Contract and Security Agreement is attached hereto. The vehicle was repossessed on or about January 24, 2011.
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, 2017 and this information was provided to her. According to Heritage’s records, Ms. [redacted] did not request any documents at that time. However, 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 information. Heritage reports to TransUnion and Equifax on a monthly basis. Additionally, Heritage updated Ms. [redacted]’s information in May and August 2017 at Ms. [redacted]’s request.
- Heritage is a “debt collection agency”. Heritage is not a debt collection agency. Heritage 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 dispute. Heritage 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 /* (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 office. If 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 them. I 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 repossession. Individuals that work at Heritage has told me that they debt collect there own accounts and they are not on my side to help me out. Yes 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 understand. It 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, 2011. This account is older than 5 years old and I need a letter to reflect this. As I stated before I have been declined credit by another creditor with a reason of having a repossession from Heritage within the last 5 years. When this is not true, this account is greater than 5 years old. I have attached a letter from another creditor which shows a denial of credit due to a repossession within the last 5 years.
I would also like to know if this account is open or closed? Heritage is not reporting my account correctly to the credit bureaus. I have attached a copy of a recent Equifax dispute result. On page 3 at the bottom it says "account history with status codes". This account is reporting "status code 1" which means "30-59 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, 2011. My credit file should reflect a date the repossession occurred and the account as closed, if indeed it actually is closed. I also need Heritage to send me a letter stating when the repossession occurred on January 24, 2011.

Final Business Response /* (4000, 10, 2017/09/15) */
Re: Case # XXXXXXXX
[redacted] v Heritage Acceptance Corporation
· Dear Ms. [redacted] .
. . This is a follow-up response to .Ms; [redacted]'s response. Since 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 2011 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 account. Was closed in March.29, 2011. A copy of the letter is attached. Heritage has also updated the information . reported to Equifax.
Heritage believes it has addressed, all of Ms. [redacted]'s issues

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.Thank you.

Initial Business Response /* (1000, 5, 2016/11/16) */
November 16, 2016



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]

[redacted]
Heritage Acceptance Corporation
Phone (XXX) XXX-XXXX Ext: [redacted]
Fax (XXX) XXX-XXXX

Initial Business Response /* (1000, 5, 2015/08/12) */
August 12, 2015



Revdex.com
Attn: [redacted]
4011 Parnell Ave.
Fort Wayne, IN XXXXX

Re: Case #XXXXXXXX
[redacted]

Dear Ms. [redacted]

In reply to your email dated 8/11/15....

Heritage Acceptance Corporation financed the 2004 Hyundai XG350 for Ms. [redacted]. 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. [redacted] contact our office to make arrangements on the remaining balance of her account with us.

Thank you,

[redacted]

Initial Business Response /* (1000, 5, 2016/02/19) */
February 19, 2016



Revdex.com
Attn: [redacted]
4011 Parnell Ave.
Fort Wayne, IN XXXXX

Re: Case #XXXXXXXX
[redacted]


Dear Ms. Anciani-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]
Admin. Collections Supervisor
Ext: 330
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 customers. As for Heritage being a second chance company I did not do my homework properly and I made a grave mistake not doing so. The 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, 2016



Revdex.com
Attn: [redacted]
4011 Parnell Ave.
Fort Wayne, IN XXXXX

Re: Case #XXXXXXXX
[redacted]


Dear Ms. Anciani-Dutt:

As of today, please advice Ms. [redacted] that Tyler will be her account representative. His extension is 457. 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]
Admin. Collections Supervisor
Ext: 330

Initial Business Response /* (1000, 5, 2016/08/22) */
August 22, 2016



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

Revdex.com Case #:XXXXXXXX

Dear Ms. [redacted]

In reply to the above referenced case opened 8/18/16. We...

have requested that an update be made to Mr. [redacted]'s credit bureau reporting with both Equifax and Trans Union Credit Bureaus. Please note that we do not report to Experian Credit Bureau. Mr. [redacted]'s credit bureau was requested to show his account with Heritage Acceptance Corporation as "Account Paid from Collateral - Closed 4/25/16. 1 x 30".

If Mr. [redacted] 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,



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

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 2008 Suzuki XL-7 on
or about August 26, 2015. The contract was assigned to Heritage. The original term of the contract was 3 1/2
years. This means that ifMs. [redacted] made her scheduled payments on time, she would pay the
full amount owed in 3 1/2 years and her
balance would be zero.However, Ms.
[redacted] has been inconsistent in making payments on her account. As is shown on the Customer Payment History (attached), although the contract
called for her to make a payment of $135.10
every other week, she has often missed payments. When customers miss payments, the result is that additional interest accrues because they
do not pay the principle off as quickly. This can result in taking longer to
pay off the balance of the account.Heritage believes that it has acted properly in this matter. It is
unfortunate whencustomers like Ms. [redacted] finance vehicles and make inconsistent
payments; but that does not obligate Heritage to
waive the amounts due. The attached Payment History is correct.If Ms. [redacted] has any additional questions
with this account, she may contact me directly at [redacted] ext. [redacted].

Initial Business Response /* (1000, 5, 2016/09/14) */
September 13, 2016


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

Revdex.com Case #:XXXXXXXX

Dear Ms. [redacted]

In reply to your email dated 9/8/16. Please be advised...

that we have requested Mr. [redacted]'s credit bureaus be updated to show "Paid in full through insurance/Closed 7/7/14. 1 x 30."

If Mr. [redacted] has any other questions, please contact Megan at extension 322.


Thank you,

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

Initial Consumer Rebuttal /* (2000, 7, 2016/09/14) */
Thank you for your prompt response and fixing something the creditors said could not be changed