Business Profile

Consumer Finance Companies

Heights Finance

This business is NOT BBB Accredited.

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Complaints

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

Customer Complaints Summary

99 total complaints in the last 3 years.
30 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.

Initial Complaint
Date:06/30/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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 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 Answer
Date: 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 Answer
Date: 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
Date: 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
Date: 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
Initial Complaint
Date:06/27/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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 reliable for this debt ********* ******, I do not have a contract with Heights Finance, they did not provide me with the original contract as I requested.
Business Response
Date: 07/18/2023
July 1, 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 June 27, 2023.

You obtained a loan from our New Tazewell office in Tennessee on March 25, 2019, in the
amount of $434.00 and agreed to repay it in seven (7) monthly installments of $62.00 beginning
April 25, 2019. Our records reflect this account was charged off on October 26, 2019, and
subsequently sold to National Credit Adjusters (“NCA”) on September 30, 2022.

In your complaint, you claim that you are not liable for this debt as you were not provided with a
copy of the original contract and are requesting that the tradeline be removed from your credit
report; enclosed is a copy of the original contract with your signature for your records.

After a thorough investigation, it appears our company has not violated any state or federal 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 disagree with any
information contained in your credit report regarding your account with our company, 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 open an investigation and supply you with copies of any
additional documentation you request.

Please submit the requested information to the address below:

Compliance: Direct Disputes
********* ******
**** ****** *** ****
*********** ** *****

Lastly, as ********* ****** no longer owns this account, we ask that you reach out to National
Credit Adjusters with any questions or concerns at: ***************

Sincerely,

Travis *. B******
Manager of Compliance
Initial Complaint
Date:06/12/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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 filed a bankruptcy in 2019 . A chapter seven. ********* ****** of Nacogdoches,Texas, a subsidiary of Heights Finance was one of the creditors listed. The bankruptcy was upheld and all debts were removed. The file number is ******** from court in Beaumont.Texas. After a bankruptcy is discharged,Fair credit lending act and consumer law in ***** specifies tht the creditor can no longer show negative information ,such as days delinquent on loan. ********* ****** can only say that it was dismissed in bankruptcy.They can show the original amount owed and show the balance is now zero.The loan was obtained at the ********* ****** ofice in Nacogdoches.The manager referred me to the office in Greenville ,South Carolina on *** ** ****.This office also did nothing.They claim that they do not know what to do or who in their company has the authority to remove this negative information.All they have to do is call ******** Credit Bureau of Allen, ***** and remove the delinquent information or delete all of their entry information altogether. This has been going on for three years now. I am at the point,where I am ready to file a lawsuit because they are in violation of bankruptcy law.My name is ******* **** ** ***********.My phone number is ************
Customer Answer
Date: 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.

Regards,

******* **** I am rejecting tne resolution from this company. The compliance manager shows total ignorance or indifference to established bankruptcy law. He also states that the Bankruptcy was discharged 0n April of 2020. This is not correct.It was discharged in August of 2019. The law states that you can not continue to show delinquency on dates prior to the filing,after the bankruptcy is discharged. My attorney wrote a letter ,explaining this to him. Because of his surprising stubbornness on this matter. I have no choice but to inform my attorney to go ahead and initiate a law suit against this compliance manager and his company. I need for them to delete the negative information all together or report to ******** credit bureau only that the account was discharged in Bankruptcy . the original balance was 970.00 and now the balance owed is 0. Every other creditor on the bankruptcy petition has done this except Covington. If this is not done within 15 days I am filing suit. My attorney tells me I can file for damages, court costs and and the damages will be tripled for violating a court order.
Business Response
Date: 08/07/2023
June 28, 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 12, 2023.

You obtained a loan from our Nacogdoches office in Texas on August 28, 2018, in the amount of
$970.00 and agreed to repay it in ten (10) monthly installments of $97.00 beginning October 01,
2018.

In your complaint, you state that you filed bankruptcy in 2019, and all debts were removed. As
such, you have requested a correction to the tradeline on your credit report and claim that the
tradeline can no longer show negative information. A review of your tradeline has been
conducted and it appears the account is reporting accurately.

After a thorough investigation, it appears our company has not violated any state or federal laws.
We furnish all credit information fully and accurately to the credit reporting agencies. If you
disagree with any information contained in your credit report regarding your account with our
company, 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 open an investigation and supply you with copies of any
additional documentation you request.

Please submit the requested information to the address below:

Compliance: Direct Disputes
Heights Finance
**** ****** *** ****
*********** ** *****

Sincerely,

Travis *. B******
Business Response
Date: 08/07/2023
July 31, 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 19, 2023. According to our
records, you obtained a loan from our Nacogdoches office in Texas on August 28, 2018, in the
amount of $970.00 and agreed to repay it in ten (10) monthly installments of $97.00 beginning
October 01, 2018.

First, please accept our apologies for misstating your bankruptcy discharge date in our prior letter.
That was an unintentional typo. Our records agree that your bankruptcy was filed May 31, 2019,
and discharged in August 2019. In your complaint, you state that bankruptcy law does not allow
creditors to continue to report missed or late payments to the credit reporting agencies (“CRAs”)
that occurred prior to the date of filing for bankruptcy protection after a case is discharged. We
agree. Please note that the delinquency reported on your credit report is for the period predating
the filing and is in compliance with bankruptcy law. We agree that you are no longer responsible
for paying the account, but the history of the account will remain, including any late payments
made on the account prior to bankruptcy. After a thorough investigation, we have confirmed that
the loan is accurately reporting as “Closed” with a zero balance as of the bankruptcy discharge
date. As the bankruptcy case was filed on May 31, 2019, accurate reporting of the loan reflects the
actual status each month until the date of filing. As there is no error in the reporting of the account,
no updates or changes will be made.

We hope this explanation satisfies your concerns regarding the reporting of your closed account.

Sincerely,

Travis ** B******
Manager of Compliance
Initial Complaint
Date:05/11/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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 reviewed my Consumer Reports and noticed that there was an inaccurate account on my credit report, CVGTN TX**** ACCT# **********
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.
I contacted "CVGTN TX****" and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.
This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Customer Answer
Date: 05/23/2023
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 reject the company's decision due to lack of honesty and truth. The company actually sold my information to a third party collection agency which I've attached documents. However, that is illegal and against my consumer rights. I did not provide written consent to share any of my information with anyone which is a form of identity theft 15 U.S.C 1681s-2-a responsibilities of furnishers of information to consumer reporting agencies. Also, the contract which they have send over is also cannot be enforced due to they have an authorized rep to sign an initial the corporation didn't sign themselves.

Regards,

******** *******
Business Response
Date: 06/23/2023
May 19, 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 May 11, 2023.

You obtained a loan from our Dallas office in Texas on August 16, 2018, in the amount of
$604.15 and agreed to repay it in 9 (nine) monthly installments of $98.00 beginning September
16, 2018. Our records reflect that this account was charged off on April 29, 2019, and
subsequently paid in full.

In your complaint, you requested a copy of the original application bearing your signature and
state that you did not authorize Covington Credit to report this account to the Credit Reporting
Agencies. A copy of the signed agreement is included in this response; furthermore, by signing
this agreement, you agreed to repay this loan according to the terms.

Additionally, you claim that Covington Credit is reporting inaccurate information on your credit
report and requested that the tradeline be removed from your credit report if the contract cannot
be verified by any evidence or proof. As stated above, a copy of the signed agreement is included
in this response.

After a thorough investigation, it appears our company has not violated any state or federal 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 disagree with any
information contained in your credit report regarding your account with our company, 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 open an investigation and supply you with copies of any
additional documentation you request.

Please submit the requested information to the address below:

Compliance: Direct Disputes
Covington Credit
Post Office Box ****
Greenville, SC 29602

Sincerely,

Travis B******
Manager of Compliance
Business Response
Date: 06/23/2023
May 30, 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 May 11, 2023.

You obtained a loan from our Dallas office in Texas on August 16, 2018, in the amount of
$604.15 and agreed to repay it in 9 (nine) monthly installments of $98.00 beginning September
16, 2018. Our records reflect that this account was charged off on April 29, 2019, and
subsequently paid in full.

In your response, you state that we “sold” your information to a third-party collection agency and
claim that it is illegal and against your rights as a consumer as you did not provide written
consent to share your personal information. By signing the contract previously provided to you,
you agreed to repay the above-mentioned loan according to the terms. Attached with this
response are copies of the disclosures provided to you at the origination of this loan, which
include the details of how and what information is shared.

Lastly, you state that the contract that was provided to you in the initial response cannot be
enforced as an authorized representative did not sign; however, a branch representative signed
the contract on the day the loan was originated.

Sincerely,

Travis B******
Manager of Compliance

Fair and Accurate Credit
Transactions Act
Negative Credit Disclosure

We may report information about your
account to credit bureaus. Late payments,
missed payments, or other defaults on your
account may be reflected in your credit report.
Initial Complaint
Date:05/04/2023
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
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 had a covington credit account #*****, they sent letter saying they changed the payment April 12th. They said in letter they will send me new account number by mail.....still have not received it. I contacted them on their website and no response. I cannot call them during business hours do to job. I received a late payment letter with no process on it to pay because they still have not given me the new account number. They sent a third letter with no account number, same as the first. They should have sent me this information before 1 april 2023 but hey did not and now i am 2 payments behind with no way to pay online due to no account number yet.
They need to provide the new account number now!
Customer Answer
Date: 05/09/2023
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. Only they need to make sure we receive the letters they sent, letters sent does not always mean they have arrived to the address they were addressed to. For future communications of any changes to accounts, the Covington company should send by certified mail. This was Covington's failure to begin with with short notice. I am thanking the BBB for helping me get the new account number so i can continue to pay.

Regards,

****** *******
Business Response
Date: 05/10/2023

May 8, 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 Covington Credit, Inc. (“Covington”) on May 4, 2023.

You obtained a loan from our Newnan office in Georgia on November 1, 2022, in the amount of
$600.00 and agreed to repay it in nine (9) monthly installments of $85.05 beginning December 1,
2022. Our records show payment due on April 1, 2023.

In your complaint, you state that you received a letter from Covington Credit indicating your
account number has changed; however, you have yet to be informed of this new account number.
On April 9, 2023, you were assigned the account number of ******.

You further state that you received a late notice with no process to pay. Enclosed are copies of
the three letters that were mailed regarding your account prior to the change of account number.
Each letter contains acceptable methods of payment. Although you were unable to pay online or
able to call during branch hours, these letters do state that your payment can be mailed to the
branch.

Sincerely,

Lanika M****
Senior Manager of Compliance

Customer Answer
Date: 05/11/2023
Filed complaint before because Covington changed account number and i could not make payments online. Covington provided a new account number but the new account is faulty, when trying to register with new account the account number is red showing it is not right. Covington has failed again to provide a valid account number, see attached for screen shots of their error. The new account number they gave me is (******). This is the worst customer service i have ever experienced, it is like they do not want any more payments? They need to provide a valid account number or fix their MyAccount tools.
FIx this, provide valid account number or instructions that work or fix your website.
Customer Answer
Date: 05/23/2023
Better Business Bureau,

I have reviewed the response made by the business in reference to complaint ID ********, and was able to finally register to Myaccount after Covington/Heights Finance provided the full account number after 3 attempts. Now i am in the account but an error in the payment is causing no payment to be made, see attachment of screen shot, will send this in to their email account for further assistance. I thank the BBB for their help in documenting this.

Regards,

****** *******
Business Response
Date: 05/24/2023
May 19, 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 Covington Credit, Inc. (“Covington”) on May 4, 2023.

You obtained a loan from our Newnan office in Georgia on November 1, 2022, in the amount of
$600.00 and agreed to repay it in nine (9) monthly installments of $85.05 beginning December 1,
2022. Our records show payment due on April 1, 2023.

In your response, you claim that the website is not accepting the account number assigned to
your account. The account number assigned to your account is: **** ****** **. If you continue
to experience difficulty making your payment online – and if you are unable to contact your local
branch via telephone or by visiting the office – we encourage you to utilize the
*******heightsfinance.com email address previously provided to you to contact our Customer
Advocacy team.

Sincerely,

Travis B******
Manager of Compliance
Initial Complaint
Date:04/05/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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 DID REFINANCE MY LOAN WITH COVINGTON CREDIT BACK ON JAN.2020. I WAS NOT ABLE TO PAY IT AS AGREED AS A RESULT OF BEEN NEGATIVELY IMPACTED BY THE PANDEMIC.
MY ACCOUNT WAS CHARGED OFF, BUT I WAS ABLE TO PAID IN FULL FOR LESS ON APR.21, 2022. THE SETTLEMENT WAS MADE FOR $507.
I KEPT ON CALLING COVINGTON CREDIT SINCE IT WAS SHOWING AS OPEN STILL WITH A BALANCE ON MY CREDIT REPORT. THEY JUST TOLD ME TO GIVE IT A TIME IN ORDER TO CHANGES COULD BE REFLECTED ON MY REPORT.
ON SEPT. 2022 COVINGTON CREDIT DID SELL THIS BALANCE AS A BAD DEBT TO NATIONAL CREDIT ADJUSTERS AND NOW THEY ARE TRYING TO COLLECT IT AND REPORTING IT TO ALL CREDIT BUREAUS AS OF JAN.2023 !!
I HAVE CALLED ******** ********** *********** SEVERAL TIMES TO HAVE THIS FIXED WITH NO LUCK. YOU NEVER GET TO SPEAK WITH THE REAL PERSON RESPONSIBLE OF IT.
ITS ALMOST A YEAR WITH THIS HEADACHE !!!
COVINGTON CREDIT SHOULD HAD REPORT THIS ACCOUNT AS CLOSED ON APR.2022 AND THEY KEPT ON REPORTING NEGATIVELY UNTIL SEPT.2022.
THEY SHOULD NEVER SOLD IT AS BAD DEBT ON SEPT.2022.
AND NO COLLECTION AGENCY SHOULD BE REPORTING IT !!!!
THIS WHOLE SITUATION IS AFFECTING MY CREDIT...
I NEED ******** ********** *********** TO GET THIS FIXED AND DONE RIGHT !!!
I NEED THEM TO REPORT THIS ACCOUNT CLOSED AS OF APR.2022 AND TO GET NATIONAL CREDIT ADJUSTERS TO DELETE THIS COLLECTION FROM ALL 3 CREDIT BUREAUS !!!!
Business Response
Date: 04/21/2023

April 12, 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 April 5, 2023.

You obtained a loan from our Palmhurst office in Texas on January 28, 2020, in the amount of
$604.15 and agreed to repay it in nine (9) monthly installments of $98.00 beginning February 28,
2020. Our records show that this account was charged off on September 23, 2020, and
subsequently paid in full for less than the full balance on April 21, 2022.

In your complaint, you state that the above referenced account was paid off on April 21, 2022,
with a settlement payment of $507.00. You reached out to ********* ****** as this account was
still reporting a balance to the Credit Reporting Agencies (“CRA’s”), at which time you were
instructed to allow additional time for the CRA’s to update their information. In addition, as of
September 2022, your credit report shows this account has been sold to National Credit
Adjusters, who are attempting to collect on this debt. Our records confirm that this account was
sold to ******** ****** ********** *** in September 2022, in error. ********* ****** has
reached out to ******** ****** ********** *** to cease collections on this account and to have
the tradeline deleted from your credit report. We have also submitted a request directly to the
CRA’s to update their information with ********* ******. Please allow thirty days for this to
reflect on your credit report.

We sincerely apologize for any inconvenience or concern this may cause you. As we strive every
day to meet our customers’ expectations and complete satisfaction is very important to us, we
hope that the measures taken to promptly address and correct this matter will be deemed
satisfactory in addressing your concerns.

If you should have any questions, please do not hesitate to contact us at **************.

Sincerely,

Lanika M****
Senior Manager of Compliance
Initial Complaint
Date:03/15/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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 business tried to extort money from me by wanting me to pay on a debt that was paid in full on May 20 2020. They emailed me first saying I owe money. They sent me a letter using branch manager from ****** Texas Covington Credit name when she did not send me the letter. Someone from Heights financial is trying to profit after years have passed. I had cancer in 2019 and could not pay my bills.In 2020 I settled several loans and played them all. Covington credit was one of them. Now Heights financial wanted me to pay the rest although I was paid in full. Branch manager of Covington was unaware what was going on. I do not know who would have profited from it.
Business Response
Date: 03/31/2023
March 22, 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 Covington Credit, Inc. (“Covington”) on March 15, 2023.

You obtained a loan from our ******** office in Texas on February 5, 2019, in the amount of
$604.15 and agreed to repay it in nine (9) monthly installments of $98.00 beginning March 5,
2019. Our records reflect that this account was paid in full for less than the full balance on May
29, 2020.

In your complaint, you state that you received a letter requesting payment on an account that was
paid in full on May 20, 2020. Our records confirm that this account was paid in full for less than
the full balance on May 29, 2020. The letter you received was in error and should be disregarded.
No further letters will be mailed.

We sincerely apologize for any inconvenience or concern this may cause you. As we strive every
day to meet our customer’s expectations and complete satisfaction is very important to us, we
hope that the measures taken to promptly address and correct this matter will be deemed
satisfactory in addressing your concerns.

Sincerely,

Lanika M****
Senior Manager of Compliance
Initial Complaint
Date:02/23/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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.
********* is on my credit report multiple times for one account. Please remove because it’s affecting my credit score and we’re in the process of buying a house. I want this corrected ASAP
Business Response
Date: 03/07/2023
March 1, 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
February 23, 2023.

You obtained a loan from our North Charleston office in South Carolina on October 15, 2021, in
the amount of $952.97 and agreed to repay it in (11) monthly installments of $126.00 beginning
November 15, 2021. Our records show payment due as of January 15, 2023.

In your complaint, you state that ********* ****** is listed on your credit report multiple times
for the same account. To open an investigation, additional information is required. Specifically,
the account(s) being disputed. Below is a detailed list of each loan you have on file.

Contract *****, loan dated 11/17/2020, refinanced on 4/30/2021.
Contract *****, loan dated 4/30/2021, refinanced on 10/15/2021.
Contract *****, loan dated 10/15/2021, open loan.

After a thorough investigation, it appears our company has not violated any state or federal 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 disagree with any
information contained in your credit report regarding your account with our company, 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. Please provide a copy of your
credit report reflecting the disputed accounts, if available.

Once we receive this information, we will open an investigation.

Please submit the requested information to the address below:

Compliance: Direct Disputes

********* ******
**** ****** *** ****
*********** ** *****

Sincerely,

Lanika M****
Senior Manager of Compliance
Initial Complaint
Date:02/21/2023
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
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 have been reaching out to this company and the bureaus in regards to inaccurate reporting on my credit report for about a year now, if not longer. When my account was open, the company was ********* ****** not ***** ******. I’m not aware of ***** ******. I’m in the process of buying another home, but the information that is being reported is incorrect across all three bureaus. There’s a different account name being reported for all three bureaus: ******* – *********, ********** – ********* ******, and ******** – ***** ******/Smc.
******* is reporting the account as 120 DAYS LATE, ******** is reporting as Coll/Chargeoff, & ********** is reporting as Coll/Chargeoff. ******* is reporting the name of the account as *********, ******** is reporting the name of the account as ***** ******/Smc, & ********** is reporting the name of the account as ********* ****** - ******. ********** is reporting the account being opened on 10/11/2018, ******** is reporting the account being opened on 10/01/2018, & ******* is reporting the account being opened on 10/01/2018.
This account is being reported with a different date of activity date & continuously being updated amongst each credit bureau & is not properly verified or consistent. ******* is reporting the last date of activity as 11/01/2022, ******** is reporting the last date reported as 09/10/2019, & ********** is reporting the last date of activity as 9/10/2019. The remarks & payment history are different for each bureau. This inaccurate information is negatively affecting my credit history. According to the FCRA, Section 611 (5)(A), the bureaus are required to DELETE all information that is inaccurate, incomplete, or which cannot be verified IMMEDIATELY from my credit report, but nothing is being done in a timely manner.
Business Response
Date: 03/07/2023
February 27, 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 February 21, 2023.

You obtained a loan from our Madison office in Alabama on October 11, 2018, in the amount of
$560.03 and agreed to repay it in (8) monthly installments of $97.00 beginning November 11,
2018. Our records show that this account was paid off for less than the full balance on September
10, 2019.

In your complaint, you state that the three credit reporting bureaus are reporting conflicting
information. Specifically, the account name, status of the account, the date in which the account
was opened, date of last activity, remarks, and payment history. ********* ******** credit
reporting team have confirmed that this account is reporting accurately to the credit reporting
agencies. ******** and ********** are incorrectly reporting this account as Coll/Charge Off.
Although we are reporting this account accurately, an electronic request has been submitted to
******** and ********** requesting an update regarding the account status. Please allow 10
business days for this to reflect on your credit report. As we are reporting this account accurately
to the credit reporting agencies, any future dispute regarding this account should be directly
disputed with the offending bureau.

Sincerely,

Lanika M****
Senior Manager of Compliance
Initial Complaint
Date:02/13/2023
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
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 business continues to loan out money under my name destroying my credit I've cleared this from my credit years ago and someone keeps getting loans in my name which shouldn't be possible because my social security number is frozen. The recent account was opened October 2022. I've never used this business.
Customer Answer
Date: 02/23/2023
Better Business Bureau:

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

Regards,

****** ******
Business Response
Date: 03/06/2023
February 13, 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 Covington Credit of Georgia, Inc. (“Covington”) on February 13, 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
Date: 03/06/2023
March 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 Covington Credit, Inc. (“Covington”) on February 23, 2023.

In your complaint, you state that Covington Credit continues to loan out money in your name.
Specifically, an account opened in October 2022. Our records show that there was one account
opened in your name on August 12, 2019. On September 30, 2020, the account was flagged for
fraud and the tradeline was deleted. Our credit reporting team has confirmed that we are not
reporting this account. Due to a system error, this account was sold to ******** ****** Adjusters,
LLC on September 30, 2022, and this is the account reflected in your credit report. The
purchaser of the loan has been contacted and the tradeline will be deleted. Please allow 30 days
for this to reflect on your credit report.

We sincerely apologize for any inconvenience or concern this may cause you. We hope that the
measures taken to promptly address and correct this matter will be deemed satisfactory in
addressing your concerns.

Sincerely,

Lanika M****
Senior Manager of Compliance

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