Auto lender · complaint record
Heritage Finance complaints
Filed under Heritage Finance Company, Inc.
Consumers have filed 4 complaints about Heritage Finance since 2018, 1 of them in the last 12 months. It answered 100% on time and closed 0% with relief for the customer. The most common problem is repossession.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 4
- Last 12 months
- 1
- Answered on time
- 100%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #133 of 193
Since June 2018
new vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: May 27, 2026
Most complained-about auto lenders
Heritage Finance complaints by month
The busiest month was June 2018 (1 complaint). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Heritage Finance answered all time
- Closed with explanation4100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Heritage Finance complaints are about
Top Heritage Finance problems
Inside "Repossession"
- Voluntary repossession 1
Heritage Finance compared with other auto lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | The Savings GroupAuto loans & leases | 63 | 41 | C |
| 2 | AC AutoPay LLC, Denver, CO BranchAuto loans & leases | 60 | 38 | C |
| 3 | CARS AcquisitionAuto loans & leases | 81 | 34 | A |
| 4 | EA HoldingsAuto loans & leases | 3 | 33 | F |
| 5 | Innovate ManagedAuto loans & leases | 6 | 32 | F |
| 6 | Cooley EnterprisesAuto loans & leases | 8 | 31 | F |
| 7 | Challenge Financial ServicesAuto loans & leases | 5 | 27 | F |
| 8 | Heritage FinanceAuto loans & leases | - | 1 | - |
Compare side by side: Heritage Finance vs The Savings Group · Heritage Finance vs AC AutoPay LLC, Denver, CO Branch · Heritage Finance vs CARS Acquisition · Heritage Finance vs EA Holdings
What people say about Heritage Finance
All experiencesNo experiences with Heritage Finance yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Heritage Finance complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| May 27, 2026 | Auto loans & leases | RepossessionVoluntary repossession | Explained |
| Oct 9, 2022 | Auto loans & leases | Managing the loan or leaseBilling problem | Explained |
| Aug 18, 2018 | Credit reporting | Problem with a company's investigation into an existing issueTheir investigation did not fix an error on your report | Explained |
| Jun 22, 2018 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
Questions about Heritage Finance
How many complaints does Heritage Finance have?
Heritage Finance has 4 complaints on record since June 2018, including 1 in the last 12 months and 0 in the last 30 days. That makes it number 3,042 of every company by complaints this year.
Does Heritage Finance respond to complaints?
Yes. Heritage Finance answered 100% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Heritage Finance?
The most common problems are repossession (1), problem with a company's investigation into an existing issue (1), incorrect information on your report (1).
Is Heritage Finance legit?
Heritage Finance is a real company with a public complaint record: consumers have complained about it 4 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Heritage Finance legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Heritage Finance?
Complain to Heritage Finance in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Heritage Finance complaints come from?
Most come from North Carolina (4). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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