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6568221
|
2023-02-13
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Heritage Financial Group, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-02-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-13
|
| Complaint What Happened |
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, HERITAGE ACCEPTANCE, XXXX XXXX has violated my rights.
15 USC 1681 Section 602 states I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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| Consumer Consent Provided |
Consent provided
|
|
|
7099844
|
2023-06-11
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Heritage Financial Group, Inc.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-06-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-11
|
| Complaint What Happened |
I have tried to resolve my issues with Heritage Acceptance Corporation # XXXX concerning my non public personal information being reported to consumer reporting agencies. I am not liable for this debt. They have violated my federally protected consumer rights 15 USC 6802 ( b ). They did not allow me the option to opt out from reporting transactions and experiences. The only resolution is to delete immediately.
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| Consumer Consent Provided |
Consent provided
|
|
|
8752044
|
2024-04-11
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Heritage Financial Group, Inc.
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-04-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-04-11
|
| Complaint What Happened |
XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX RE : XXXX XXXX XXXX and IRS cancellation of debt 1099C Heritage Acceptance is reporting income to consumer 's report. The IRS has accepted this as reported income and 1099C cancellation of debt by Heritage Acceptance account number # XXXX was received from IRS. Heritage Acceptance is inaccurate reporting income a certificate of indebtedness to my consumer report. I also revoke or rescind any security interest that I previously willfully given to Heritage Acceptance. I also rescind any written, non written, verbal or/ and, nonverbal signature to share, transfer, sell or assign to non affiliated or CRAs my personal identifying information. I also revoke or rescind my signature on all written agreements. I have attached my personal identifying information such driver 's license and utilities bill. XXXX XXXX XXXX XXXX # last XXXX digits # XXXX XXXX XXXX XXXX XXXX KY XXXX I am not a XXXX party or credit.
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| Consumer Consent Provided |
Consent provided
|
|
|
2320780
|
2017-01-31
|
Managing the loan or lease
|
Consumer Loan
|
|
| Issue |
Managing the loan or lease
|
| Timely |
Yes
|
| Company |
Heritage Financial Group, Inc.
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle loan
|
| Date Received |
2017-01-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-01-31
|
| Complaint What Happened |
I purchased a vehicle from Heritage Acceptance Corporation for XXXX. I was having a lot of problems with it so it gave it back to them and decided not to keep it.
Heritage Accept. reported that I did give it right back to them, However, they immediately sold the vehicle for more than what I owe. Now they are reporting on my credit that I owe them XXXX. They also filed a XXXX in the amount of XXXX. That is not accurate. This is fraud. Now that make me have XXXX.
unreported income. This is not right. Please help me with this matter of unjust fraud
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| Consumer Consent Provided |
Consent provided
|
|
|
10702364
|
2024-11-07
|
Repossession
|
Vehicle loan or lease
|
|
| Tags |
Servicemember
|
| Issue |
Repossession
|
| Timely |
Yes
|
| Company |
Heritage Financial Group, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Deficiency balance after repossession
|
| Sub Product |
Loan
|
| Date Received |
2024-11-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-07
|
| Complaint What Happened |
Subject : Follow-Up Request for Full Disclosure of Repossession and Post-Sale Details, Including Surplus and Service Contract Returns Dear Heritage Acceptance Corporation XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to follow up on your recent correspondence regarding the repossession of my vehicle. While I acknowledge receipt of your letter, I must point out that it failed to provide the required post-sale documentation that I previously requested. This documentation is critical to ensure my rights under both state law and federal regulations, specifically the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), are being upheld.
As previously stated, I request the following documents and information regarding the sale of the vehicle : Proof of Sale : Please provide the details of the sale, including the final sale price, the name of the buyer, and the date of sale.
Breakdown of the Sale Proceeds : A detailed accounting of how the funds from the sale were applied to my outstanding loan balance. This includes the application of proceeds to the principal balance and any other charges or fees.
Surplus or Deficiency : I am requesting full disclosure regarding any surplus or deficiency resulting from the sale of the vehicle. Should there be any surplus, I expect this to be returned to me promptly, as required under [ state law or the Uniform Commercial Code ( UCC ) ]. If there is a deficiency, please provide a breakdown of how it was calculated.
XXXX XXXX XXXX : Please also provide an accounting of any funds returned to the lender from the service contract I financed, as this may impact my total balance and the surplus or deficiency calculation. I require documentation showing the amount refunded from the service contract and how it was applied to the loan balance.
Notice of Sale : A copy of the notice of sale that was sent to me, as well as proof of when and how the notice was delivered.
Full Accounting : A detailed breakdown of the repossession, sale, and any applicable fees, including the application of the service contract refund.
Failure to provide this information constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). As you are aware, the FCRA prohibits reporting outdated information on my credit report, and my rights to a fair post-sale accounting must be respected.
If you fail to provide the requested documentation within 15 days, I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and relevant state agencies for non-compliance with federal and state law.
Pursue legal action under the FDCPA, FCRA, and applicable state laws to recover damages and seek full compliance with the law.
Please understand that this is a serious matter. If you do not respond with the requested documentation, I will take the necessary legal steps to resolve this issue and protect my rights.
Sincerely, XXXX XXXX XXXX
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| Consumer Consent Provided |
Consent provided
|
|
|
10620116
|
2024-10-29
|
Repossession
|
Vehicle loan or lease
|
|
| Tags |
Servicemember
|
| Issue |
Repossession
|
| Timely |
Yes
|
| Company |
Heritage Financial Group, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Notice to repossess
|
| Sub Product |
Loan
|
| Date Received |
2024-10-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-29
|
| Complaint What Happened |
Heritage Acceptance Corporation XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Heritage Acceptance Team, Subject : Request for Police Report Related to Vehicle Repossession ( XX/XX/XXXX ) I am writing to request a copy of the police report regarding the repossession of my vehicle, a XXXX XXXX XXXX XXXX which took place in XX/XX/XXXX. My account number ends in XXXX.
I recently contacted the local police department and was informed that no report was filed regarding this repossession. If no police report exists, I kindly request that you remove the repossession entry from my credit report, as it may be inaccurate or unverifiable.
Please let me know if any additional information is needed to locate the relevant documentation or if you require further information from me. You may reach me at the contact details provided above. Thank you for your assistance with this matter.
Sincerely,
|
| Consumer Consent Provided |
Consent provided
|
|
|
10664881
|
2024-11-02
|
Repossession
|
Vehicle loan or lease
|
|
| Tags |
Servicemember
|
| Issue |
Repossession
|
| Timely |
Yes
|
| Company |
Heritage Financial Group, Inc.
|
| Product |
Vehicle loan or lease
|
| Sub Issue |
Deficiency balance after repossession
|
| Sub Product |
Loan
|
| Date Received |
2024-11-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-02
|
| Complaint What Happened |
TO : Heritage Acceptance Corporation RE : Second Notice of XXXX Second Request for Copy of Police Report and Sale Price I am writing to formally request documentation regarding the repossession of my vehicle XXXX XXXX on XX/XX/year>.
Police Report : I request a copy of the police report related to the repossession. This is my second request, as I have not yet received a response. The police report is essential for my records concerning this matter.
Sale Price Information : I also request the following details regarding the sale of my repossessed vehicle : *The final sale price at which the vehicle was sold.
*The date of the sale *Any documentation regarding the sale, including the method of sale ( auction, private sale, etc. ) and any surplus or deficiency related to the sale.
As the borrower, I am entitled to this information under applicable laws and regulations regarding repossession and sales of collateral. I appreciate your prompt attention to this request and expect a response within 14 days.
Thank you for your cooperation.
|
| Consumer Consent Provided |
Consent provided
|
|
