Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Heritage Financial Group, Inc.
State: OH

Complaint narrative:
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ended up purchasing a XXXX or XXXX XXXX XXXX from XXXX XXXX XXXX One of the main reasons I ultimately finding myself to that particular dealership was the advertisement of the life time powertrain  warranty. Heritage Acceptance was the loan company that helped me out with getting the purchase finalized. The car was originally XXXX XXXX XXXX roughly with the interest totaling it out to be roughly no more than XXXX. 
Well not even a month into me having that car the water pump goes out on it so naturally I take it back to dealership because of the warranty and sure enough they fix it no charge or anything so im super excited about that but little do I know the same problem happens and I proceed to do the same as they done the same well at this time it hasnt even been 3 months and im taking it back to the dealership for a third time for the same problem but at this point they proceed to tell me that i have to pay for it to get fixed the third time around I politely declined to pay for the car to be fixed because of me thinking the warranty was in place so little do I know a lifetime doesnt mean a natural lifetime I guess and it really meant that it only covers certain miles so I left the car at the dealership and told them I wasnt going to pay for something that should of been fixed or already fixed the first time because each time I took it back it was for the same part and this is me not even having it for no more than 3 months within that 3 months I believe I only made two payments maybe 3 if anything no more than 3 and a half payment at that time I was contacted by heritage acceptance asking about my payments I told them I dont have possession of the car anymore and I left it at the dealership because of the warranty expired on me from too many miles so the representative from heritage acceptance asked me why did I do that for because come to find out they had a warranty on the car and could of gotten it fixed 
That was the last time I had heard from anyone or anybody about anything 
Fast forward till about a couple months ago Im thinking my employer made a mistake on my check and was trying to get it fixed but little did I know it was a wage garnishment so I start doing some research about it calling numbers looking at credit reports and I ended up coming across someone called XXXX XXXX which I could of swore it was heritage acceptance but come to find out its the same company some how some way and not only are they garnishing my wages theyre trying to say I owe them like XXXX which I was like how is that even possible for one I was never notified about anything being or going to be on my collections especially for that amount that they said not too mention I gave the car back to the dealership and I can guarantee the car got resold afterwards so naturally Im thinking if they are going to still charge me for something I gave back to them why are they even trying to say I owe them that much so I got to looking into it some more familiarizing myself with garnishments Teaching myself about consumer laws just trying to get more knowledgeable about whats happening to me so I found out that the courts was the ones who granted them the judgment which still I was never notified or handed anything about having to go to court for this car at this point I never imagined that Ill have to be dealing with this car again especially since its like XXXX Im like is that even possible so I start doing some more homework and trying to figure out how why what who where all the goodies so come to find out which took me forever to find it was in Miami county courts in like XXXX XXXX  believe or like XXXX is when the court took place and awarding them a judgement against me and if my memory servers me correct that was the Covid years how was court even able to have court when everybody was supposedly locked down till like XXXX  Im probably wrong about the Covid years but any hoot I was never served any court papers of such or notified by any job heck I wasnt even notified by my current employer until after a month of them taking the garnishment form me so since Ive found out I was getting garnished Ive been trying to find someone to help me and sadly its no one well I spent a month talking to legal aid back n forth until I was told itll be like 6-8 months before they even able to look into my case and then Ill still have to qualify for the program every business day afterwards Ive been getting. Ahold of attorneys to talk with them about my situation and Ive been turned down by every last single one idk if its bc what theyre doing is right or not and I have no case or if its because since Im already paying child support on three cases thats currently open Im now getting garnished and I might not have any meat left on the bone for some help which at this point Ive done lost my apt and currently lost my job yesterday I cant get any help or assistance from the local job and family services because they said Im in that certain area of making too much but not enough for any help Ive turned to hr and asked if they can help me out some how some way and then turned to the agency for help Ive told them everything Im explaining now from the name change the amounts said owed improper collection methods uhm even the dates that stated on my collection to even letting them know that is it even possible for them to go the collection route and garnish me that jus seem like theyre double dipping I mean I could be wrong Im still teaching myself about the laws in then laws for Ohio its a lot and my brain is wrecked from it but the agency came back and said they said everything is correct which at that point I all of my hair fell out  
Is that correct whats happening to me from the dates to the amount the time frame the whole collections process and I mean as far as the dates they use to say when I was late how many days when I paid or uhm the time when it went to collections uhm even with me giving the car back the time frame in between all of that or even the garnishment procedure which I think thats prob not yalls problem or I mean yalls area of responsibility but if it is or some what is that would help me out all so much also 
With me having custody of my daughter loosing my apt and job then the child support plus these garnishments Im barely hanging on with a thread 
Ill be so appreciative of any help thats your able to provide

Company response to consumer: Closed with explanation