CFPB Complaint

Heritage Financial Group, Inc. – CFPB Complaint 2018-10-20

Consumer Complaint Submission

Date Received: 2018-10-20

Product: Auto debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Hello, We have been contacted multiple times by XXXX XXXX XXXX about a debt owed on a XXXX XXXX XXXX XXXX with a VIN of XXXX Their info is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX The problem is that we’ve

never owned this car. We’ve never seen this car. And they told us the last 4 of the Social Security Number of the loan and it is not mine or my wife ‘s. We told them this and they still continue to harass us. They have come our house to leave notices, emailed my wife, sent multiple letters, and threatened us over the phone with legal action. I sent them a letter asking for proof that I took out the loan ( of which there is none ), or to leave us alone. They replied demanding money for a loan we never took out. They claim {$11000.00} is owed … not sure who owes it, but it’s not us.

Company: Heritage Financial Group, Inc.

State/Zip: IL

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3051950

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

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