Complaint Review: Heights finance company - Muncie Indiana

Heights Finance Corporation, 1213 E McGalliard Rd, Muncie, IN 47303 Let’s temmeber predatory lending is illegal in Indiana and now that they’ve frozen my bank account I have no issue stating everything predatory they did to push us , manipulate, guilt, coerce myself and husband into taking loans and even extending or adding another ontop of another.... On the collateral pages they had my husband and I inflate the cost of our vehicle, our household goods and even personal income since I did t have 6 mo the of income to show and wasn’t on a bank account with my husband it was only in his name. Predatory is not just forcing but convincing under manipulative methods to get what a company wants which heights 100% did to us and now they’ve frozen my spouses bank account and I’ve got 3 children to take care of and I’m the only one working a full time job. Read the history below. They also steal from the loan they provide by convincing you to let them mail out the check for a debt you were doing the loan to consolidate smaller debts with.

I now have an unpaid balance on fingerhut that’s been through multiple agencies even though I signed papers agreeing that heights could write a check from the loan amount and mail it for us directly because "that’s how they do those things” per Kristen the site manager in Muncie indiana We received a loan with heights a few yrs ago, had a decent experience.Paid it off super early and with how they acted we should have known better... about a yr later we received one of their checks in the mail to restart a loan which we now know is predatory lending but in our case was to late to be warned about. So we pay the bill a while and a issue arose we needed to see about adding to the loan and of course we are able to because if not we would have paid it off early again when our bank helped with consolidation. So heights agreed to extend the loan and give us more. They claimed $300+ had to pay off a past debt of mine which was exactly what we were working on and so we signed off and agreed to have them mail the check to fingerhut. Fast fwd a yr I receive notice from fingerhut saying I still owe a balance, their sending to a new collections agency and yada yada but I state no that was paid I had this lender mail you a check from a loan I took.

Turns out neither finger hut nor their original collection agency received any said check but the balance of said check was also never replaced into the loan and lowered our loan total due. Then I pull my credit and find a $30,000 car loan listed in my name and guess whose the lender on unknown unowned vehicle loan... you got it heights finance... so even with all of these issues we continue to pay on a loan we took out and even for the full amount but then I end up in and out of the hospital during my twin pregnancy, we make some payments , then I go back to work make some more payments, then pregnant again and was in the hospital regularly and kept contact when I could while also being in a separation. When I moved and my sister wanted to just take over the original loan for me since I couldn’t pay it at the time I called and message after message unanswered. So now I’m back to work and today I find my bank account has been frozen by heights.

I then find a notice at my home the one I’d repeatedly told them was where mail should go because I had to move due to separating from my husband last yr. so I look online and find a list of all this court stuff they claim to of filed even proof of mail being returned and proving no court summons ever received at an address I repeatedly gave them over the phone and even in a vm. So now I have to wonder if I’ll be able to pay my house payment on time and keep a roof over my 3 kids (b/g twins19 months and 5 month old boys head) since my bank is now frozen and I can not access the money meant to be for that next house payment. I had to lose my car to a bank last yr that I willingly forfeited due to my health during pregnancy making me unable to work enough and that REAL BANK didn’t even do this they sent notice to the correct address and have even tried to work out payments with me as I can to catch it up.So stay completely away from heights they sure know how to steal in a "legal way”