Heritage Acceptance Corporation reviews and complaints
Sold me a unsafe car
Bought a 2012 Chevy equinox in January 2022, emergency brake bracket broke while vehicle still under warranty. Took it to their garage the mechanic said he is unable to put it on hoist and It isn't safe to drive. They are still harassing me o er payments. I am not interested in another car through the only car lot they deal with quick auto. Apparently no...
customer service
"Ann" proceeded to get loud with me when I questioned her regarding my loan balance on a 2007 vehicle that I purchased 2 years ago! I was under the impression that my loan was only 3 years, only to find out I have another nearly 2 years to pay on it! There is a scam in the bushes rearing it's ugly head and I'm about to reveal it. Why in the world would I sign a 4-year loan for a friggin' 2007 vehicle that had over 100k miles on it when I purchased it?! I was already disconcerted with having to pay for it for 2 years and the payments AREN'T CHEAP!
I need an attorney to help me get out of this mess.
Country of complaint: United States
Address: Elkhart, Indiana
Website: heritageacceptance.net
crooks
Unfortunately I have never had a problem until 8/6/13 These pppl are very rude they are disrespectful today I received a call stating I was behinding 3 months in payments I can never imaging them letting anyone go that long due to the fact that when you are a day late they are calling asking where is the payment is I have dealt with frances Meagan Trudy Jasan etc all are very rude I have read over 133 complaints on this company for the same reason that I am going through I called my bank and askk for a print out on every time Iad a payment also I called on 1800 number for my money order they told me who cash them when they cash them and what company I called them back and the still was telling and calling me a lier's Trudy told me to clean my car out they was coming to get it like I kept tryn to tell this lady my car is almost payed off and yall wanna pull this ### I was told to shut my mouth and listen...Iam contacting my attorney and I am going to let them handle it I hope this company gets what it deserve. .
Company Business Name: Heritage Acceptance corp
Country of complaint: United States
Address: Indiana
The complaint has been investigated and resolved to the customer’s satisfaction.
They call me for my kids payment which they take 2days to credit and then say it's late... They called me I told them I wanted a print out... I'm still waiting. 4 months later...THESE [censor] SUCK!
I can concur... They are completely dishonest AND criminal in the way they do business. Within the first year I discovered that their park manager had a scam running where they would fabricate false scenarios with which to justify evicting people from the park. Example- They accused me an my family of loud parties, threatening the manager Lynn Koenig and choking my 80 yr old cat lady neighbor. All this was to have taken place while I was in Barns Jewish Hospital Cardiac ICU... Unfortunately they harassed me so much I had a heart attack.. Then they would repossess the mobile home through the court after getting the judge to order the people to pay the full amount for the home. Then Heritage Acceptance AKA MH Acceptance Group would turn right around and resell the home full price and run the scam again. Some of the trailers here in Mt Vernon Illinois have been sold and resold 5-7 times. I personally was fortunate in that I counter sued and won on the grounds that the Lease they had us sign was illegal by Illinois. The judge gave them 30 days to produce a new legal lease... It took them over 2 yrs and both our Lawyer and the Judge did nothing about the delay. Both should be charged with judicial misconduct! It just goes to show the legal system is prone to COLLUDE with thieves when the thieves are corporations.
I purchased a mobile home through these rip off artists. When we bought our home, we were initially told that it was a 1997 model only to find out later that it was a 1992, 5 years older then we agreed to purchas.We were also promised a payment book when we signed the 1 and only document that they provided us with. Well we never received a payment book or a monthly billing statement. then after 8 years of living here, I started to notice bad repairs that were made just to cover up damage, but not actually fix the problems. Like they painted over Black Mold instead of cutting the infected area out and replacing it. I have also been requesting documents like a monthly billing statement and a 1098 E interest statement for the last 8 years, all request have met with a flat out refusal, telling me that they are a financial lender not a mortgage company so they are not required to provide me with those documents so I refused to pay my trailer payment until I received them. Then the documents that they sent me were merely typed numbers on company letter head. They were not the properly formatted documents that the Truth in Lending act requires a lending institution to supply to the borrower. They also own the trailer park that we live in. For 6 of the last 8 years that my family has lived here, we have had to deal with a raw sewage leak. The sewage has been flowing freely across our lot to the point that my family can not even enjoy spending time out in our yard. I have reported them 3 times to the health department and I am still refusing to make my payment until I receive the proper documentation. Up until last month we made our payment every month and now I welcome the chance to go to court. Here at my trailer park I have started a petition to file a class action law suit against MH Acceptance corporation which is their new name for their predatory lending practices. They changed it in 2011 but didn't tell us until last year. I would welcome anyone who would like to join in on this action. You are welcome to join even as a car buyer. After reading all the posts about this company, they cheat everyone. Preying on the less fortunate and I want them stopped. I am still looking for an attorney but the more people that want justice the more lawyers will want to jump on this case. Contact me via this site if you are interested.
My son in law and daughter would love to
improper collection practices
On 10/24/2011, a about 5:05pm, I called Toriano to make an 80 dollar payment, which I was supposed to do on Friday but I was unable to call then. Toriano informed me that since my account is 31 days past due, he was unable to accept that amount because it would not change my due date, and that I would have to pay 180. I said I don't have that much in my account right now, let me make a phone call and I will call you back in a few minutes. I ended up calling back around 5:40. My husband was also on the phone because he had a few questions. When Toriano came on the line he immediately started yelling at me saying that my account is unacceptable and how I need a plan and what am I going to do to get this under control. Which, I do not believe is any of his business.
At this point my husband steps in at this point to ask his question and to tell Toriano that he was going to get a loan to pay off the past due. Toriano says that we're not going to get a loan and that he's just going to send someone over to pick up the truck. Toriano then spends the next 20-25 minutes yelling at my husband, and trying to give my spelling lessons because he says my husband, who is 43 mispronounced a word. Then Toriano decides to get bold and called my husband a cop-out and saying he was soft, and yes, my husband did tell him that he would kick his butt if he was here because he was being disrespectful. Torianos' response was "I get off at 6:00, our address is 121 South Main Street. Come on down, your not going to do anything because your a coward." I don't understand why this man is acting as if I owe him anything, and I feel that it is RATHER unfortunate that this company would have someone so unnecessarily unprofessional working there for 6 years. I can only imagine the way he has been treating people, and obviously getting away with it.
Also, I had to get work done to my truck, literally after I bought it and dealer refused to fix them even though he signed a document saying he would, Toriano said that if the receipts totaled more than my monthly payments then that amount would be deducted from my payments. Later it changed to "Oh I said the payment would be deferred to the end to the payments." THEN it changed to "Oh I said one of the biweekly payments". I told him that he should make up his mind and be specific when he's talking to people. He tells me I'M being disrespectful.
I do not understand why every single time I talk to that man it has to be a confrontation. He is not the only debt collector I have dealt with, and none of them have ever asked me what specifically I am going to do to resolve my debt, then when I tell them say that's unacceptable and that I need to tell them something or else. Also, my payments per month are only supposed to be 358.18, so why is he trying to make pay 400 per month when I've told him cant afford that. I should not have to go through this crap EVERY SINGLE TIME I call there.
Also, this man keeps on calls my work harassing me about a payment. I have told him three times already not to do this because I am not a permanent employee there. I am a temp thru an agency, and that I cannot discuss with him any personal matters with him on this phone, and I reminded him that he has no less than three other numbers that I can be reached at. He words to me were: If you do not want me to call you, then you have to call me. Then he proceeds to yell at me asking why didn't you call me yesterday, or the day before that. It is not his business why I was unable to call, but I did let him know that my mother is in the hospital, which she is. Also, I asked him if he even bothered to call my cell phone, he said yes, I just called it, which was a lie because I have my phone with me and he did not. Also, I asked him what's supposed to happen if I lose my job because he keeps calling here harassing me. He replied again that if I dont want him to call me then I have to call, and yell at me about a payment. My boss could here him from her office. I do realize that I am a bit behind in my payments, and although, again, the reason why is absolutely none of his business, I did tell him. I feel like he is deliberately calling my job after I have asked him not to so that I will get fired and have no way to make payments, and so that he can repo my truck. Also, I never gave him the number to my work, so I need to know how he got the number. I only told him the name of the agency I am employed thru.
Also, I have been asking for months now, for a listing showing the payments I have made, the amounts and dates they were made, but havent got it. You would think that someone who's been doing their job as well as that say they are would have had that tome a while ago. But as soon as I start asking well why am I being charged and extra 6.95, which I was first told that it was a late fee, then it changed to a over the phone payment fee) there's a big problem.
Company Business Name: Heritage Acceptance Corporation
Country of complaint: United States
Address: 118 South 2nd St. Elkhart, Indiana 46516 , Elkhart, Indiana
Phone: 574 522-8000
Website: heritageacceptance.net
The complaint has been investigated and resolved to the customer’s satisfaction.
Wow… it’s now 2023 and this scam of a company is still in business! All employees are rude AF. I purchased my 2017 Kia Optima in October of 2019… NOTHING but issues since. Oil consumption problem.. product improvement recall on the engine. Long story short they ended up putting a junk yard engine in my car.. still the same issues. Payment was $340/mo when i bought the car… they harass me for $500+ a month and threaten to deactivate my vehicle unless it’s paid. Not to mention, after 4 years of payments they’re telling me that i owe more now than what i purchased the car for. Like HOW?!?! Make it make sense. After reading these comments and knowing they are still operating an ILLEGAL lending business i WILL be following through with legal action. DO NOT DO BUSINESS WITH HERITAGE ACCEPTANCE!
They repossessed my car on a Wednesday. I Paid a $50 good faith fee, the same day they took my car.The next day I had to fill out paper work and email check stub, I.d,references etc. once they received that I had to wait on them to send me a barcode to make my payment. They sent me the barcode on Friday and I made a full payment to bring my account to current. On Monday my car was transported to an auction. They told me they needed to check the gps and to make a key and then I could go pick up my car. It’s now Saturday I still don’t have my car and it still haven’t been checked in. It’s a lot more to this story but this was long story short. Scam of a company
They did me the same way back in September it took almost a month to get my car back and they had all payments the day after they shut my car off.. my car went to the auction n I had to pick it up from there
I was told at the time u signed a contact that my payments would be $470 a month $250 every two weeks but some months they call me say I have to pay more on longer months and adds up to over $700 a payment a month they tricked me into this contract because I really needed transportation at the time. I'm on SSID so it's already a Burden
This company is a bunch of thieves they are doing crooked business that should be illegal, I purchased a car from a dealer a little over two years ago and I was told by the dealer that the APR is a little higher than usual but because my credit score is low was the reason but if I am to make my payments on time the first year that they would help me get a better loan, so I signed the loan papers and I wish every day since that I never did, this company have no morals or human dignity or values after making my payments on time without ever missing a single payment for two years that's 24 months my credit score was improving and I decided to shop around for something better than the 22.99% APR they were charging me and I found a couple of options that are much much better actually around 9.99% APR that much better but I came to find out from the new company that was supposed to pay off my loan and lower my payments that Heritage Acceptance was actually taking all my payments for the first two years and applying them towards my interest balance only and little to nothing was going towards my principal loan amount in short basically I found out that after making timely Payments for two years thats 24 month and 48 payments my balance is the same as it was the day I walked out of the dealer how did that happen? Well basically they took all my payments and covered only my interest balance on the full 4&1/2 years loan basically took their money that they haven't even earned yet because I only had the car for two years yet they took the full 4 years of interest and why would they do that you may ask basically so you can stay enslaved to them and you can't find a better Leander out there and if you try to transfer your balance you basically will have to pay interest on your full balance all over again.
I don't know if that's legal or legit but it's the truth stay away find other lenders there's a ton of them out there get a cosigner or take your time and don't rush.
Bill
Heritage Acceptance Victim.
Ok so our payments are due on friday and cause on thier end dont go thru till Monday so they say we have late fees and patrick and his supervisor are not helpful and they harrase us call all hoirs of the night and my mom this company is legit a poor excuse of a business and needs shut down i think we need to go higher and get this place shut down cause they dont help us they dont agree with anything and they change the money we owe when its its supposed to be 160.00 every two weeks
They are s##ty! If your one day late they calling you! If you don't answer they start calling friends and family like that's really going to help! A company full of ####ing harassers ! June and her s###ty ### attitude I can't stand talking to her don't tell me to call for options when I did call u had none ! Can't wait til this car is paid off or I can get another one! Only had the damn car for 2 years this month and my engine went out the first 9 months bull####!
Is this the same company that sales mobile homes in Terre Haute IN ?
this company is bogus selling lemon cars with this high ### interest rate . looking to get out this debt right now. the car truck i have is falling apart and im about ready to give them this ### back! i been to several dealerships and they all said the same thing heritage acceptance f'd me over .im looking for a new car now and when i do they can come get this peace of crap. remaining balance and all ! RIP OFF
Correction to my earlier statement. He did make payments on the car after it was totaled. He make payments for over a year until he couldn't afford it anymore. They took the car and probably scraped it for some money. Even after making payments and whatever they got for it after taking it, they said he owed an amount that was over the original loan by a good amount. And over time when he couldn't make payments(after they took the car) they would threaten him and talked to him in a very unprofessional way.
Correction to my statement earlier. He did make payments on the car after it was total. He made payments for over a year before he couldn't afford it any more and they came and took the car and yet still after making those payments and them probably scraping the car for some money, they said he owed over the the original loan amount.