Consumer complaint received 2018-02-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST HERITAGE CREDIT LLC (TN)

I received a personal loan from First Heritage Credit on XX/XX/XXXX in the amount of {$XXXX}. 
13. My first payment was due on XX/XX/XXXX and when they contacted me to remind me about this payment, I explained to them that it would be a couples days late. I began receiving 7-10 phone calls, random text messages, and repeated calls to my employer over the next week from our first conversation. I finally spoke to the company rep again and she proceeded to call me " ghetto trash '' while cursing and degrading me over the phone. I have to admit, I lost my temper and told her I would see her in court. I was angry and at the time not willing to discuss any further business with this company. As time went along receiving multiple calls, text messages from the employees personal cell phones pretending to be a friend or acquaintance of mine, I ignored the harassment. First Heritage filed a motion against me in civil court. We agreed upon a payment arrangement during this court date and I agreed to make monthly payments to the local court clerks office. The attorney there representing First Heritage was nice, but simply told me that the amount was going to be higher because he wanted his money too. I ended up filing for bankruptcy in XXXX of XXXX, but the trustee denied my repayment plan agreement based upon a job change with higher income. This resulted in my attorney dismissing that request and refiling with a new repayment plan in XXXX of XXXX. First Heritage Credit was included and notified of all of these motions per federal bankruptcy rules. First Heritage received payments on a total balance of {$XXXX} worth of debt owed to them in accordance to the repayment plan that was approved and managed by the bankruptcy trustee from XX/XX/XXXX until XX/XX/XXXX. I requested a dismissal from my bankruptcy in XX/XX/XXXX based on the fact that I feel like I can manage the small amount of debt I have, outside of student loans, on my own. The case was officially dismissed, per my request, on XX/XX/XXXX. On XX/XX/XXXX I received a call from a First Heritage rep stating that I had made no payments and that my balance was in excess of {$XXXX}. I explained to him the situation, but he was extremely rude. He stated that I didn't request the bankruptcy dismissal and that the payment I was in agreement and able to afford wasn't enough for them. I pulled all of my paperwork up and called the rep back. I advised him that there was a total of {$XXXX} paid toward the debt and that the balance he gave me was incorrect.He was adamant that I was wrong and threatened legal action. Upon review of my paperwork, I noticed that I was charged fees for life insurance, XXXX XXXX, property insurance, unemployment insurance, and an auto club fee of {$XXXX} that I had no idea about. The annual percentage rate for the original loan was XXXX  %. I'm not sure how much in attorney fees have been added to my account, but the rep advised me today that interest was being charged daily since the loan origination date and that XXXXy didn't matter because it wouldn't protect me from daily interest charges even though payments were being made to them. I feel like this company has unethical business practices. I am in no way disputing the fact that I owe for this loan, but I am firmly in disagreement with the erroneous fees and collection practices in place.I am willing to make monthly payments that fit my budget in order to still be able to maintain my household and feed my child. I would like to see some of the erroneous fees removed from my account and have a written agreement in place for a payment plan. I would also like to ensure that during my XXXX time that no further fees and/or interest were added on to my account balance.