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Business Profile

Consumer Finance Companies

Heights Finance

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Consumer Finance Companies.

Complaints

This profile includes complaints for Heights Finance's headquarters and its corporate-owned locations. To view all corporate locations, see

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Heights Finance has 323 locations, listed below.

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    Customer Complaints Summary

    • 123 total complaints in the last 3 years.
    • 32 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. 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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:09/06/2023

      Type:Order Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      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.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      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

      Date: 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

    • Initial Complaint

      Date:08/24/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      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.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      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

      Date: 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

      Date:08/16/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      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.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      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

      Date: 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

      Date:08/10/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      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.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      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

      Date: 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

      Date: 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

      Date: 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

      Date:08/08/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      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.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      This was a charge off and was suppose to be removed years ago

      Business Response

      Date: 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

      Date:08/01/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      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.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      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

      Date: 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

      Date:08/01/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      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.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      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

      Date: 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

      Date:07/19/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      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.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      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

      Date: 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

      Date:07/14/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      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.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      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

      Date: 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

      Date:07/05/2023

      Type:Customer Service Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      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.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      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

      Date: 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

    Heights Finance is NOT a BBB Accredited Business.

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