Business Profile

Consumer Finance Companies

Mid Atlantic Finance Company Inc

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Complaints

This profile includes complaints for Mid Atlantic Finance Company Inc's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

83 total complaints in the last 3 years.
38 complaints closed in the last 12 months.

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The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:07/07/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I have been making payments with mid Atlantic finance company for a long time now. I recently became late on a few payments and when trying to call, email, and text them multiple times randomly within the last few weeks I've had no response. The car is a terrible car and I was sold fixed up junk. The company I also trying to charge me an extra $125 with no explanation of why. I am very unsettled and wish they would let me know if they're going to work with me or schedule them to come get it. My main concern is communication tho. They blow my phone up but cannot answer me when I try to contact them. Very unprofessional.
Business Response
Date: 07/18/2025
We have reviewed the complaint and account of Ms. ********* Ms. ******** states she has not been able to make contact with Mid Atlantic Finance in recent weeks. A review of the account shows we have spoken with her several times recently and she made us aware of mechanical issues. Ms. ******** mentions she is being billed an additional $125 with no explanation of why. No additional fees have been billed to the account and the contract terms have remained the same during the course of the loan. Ms. ******** is urged to call our Account ******************** Department at ************************** to discuss the loan and answer any questions she may have.
Initial Complaint
Date:07/01/2025
Type:Sales and Advertising Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Ive had a vehicle 3 yrs and when I tried to do a trade in I will be paying $4,000 over what it is worth.
Business Response
Date: 07/02/2025
We have reviewed the complaint and account of Ms. *************** The dispute is not specifically related to her account held with ***************************** We can confirm that Ms. ******** bought a 2013 **** Explorer from Latinos Unidos Auto Sales on August ******* and Mid Atlantic Finance bought the account from Latinos Unidos Auto Sales in July 2024. *************** has question related to her account with **********************, she is urged to call our Account ******************** Department at *********************************
Customer Answer
Date: 07/02/2025

Complaint: 23539334

I am rejecting this response because: I know that I am over paying for this vehicle by $4,000. Now if there is some way for this to be so that I can trade in the vehicle that would be great. We need a solution.

Sincerely,

******* ********
Business Response
Date: 07/08/2025
We have reviewed the response from Ms. *************** A review of the installment sales contract confirms Ms. ******** signed the contract on August 29, 2022, agreeing to the terms of the contract. The contract terms cannot be changed. *************** would like a copy of the contract or to discuss it with a Mid Atlantic Finance representative, she is urged to call our Account ******************** Department at *********************************
Initial Complaint
Date:06/05/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
the customer service at this ********************** is horrible emailed one of the people in the office and they did not answer the email of payment being made the next following day and told me she did not receive the email and then I gave her time date stamp and then cha=nges her mind yes she did receive the email and did not report anythingor acknowledge anything in there system stating that now they took the car before payment tomorrow and caused a massive issue when I explained to them that payment was being made tomorrow myprope rty was damaged by the people they hired they broke the law also which is a breach of peace ,,, this company is very unprofessional nd are thieves ...very heartless company stay clearaway from this company horrible company and they will release your private information against the privacy breaching the law again
Business Response
Date: 06/09/2025
We have reviewed the complaint and account of Mr. ************** In the complaint, Mr. ******* stated he emailed a Mid Atlantic Finance employee giving information about a payment. A review of the account shows several emails received. We ask that Mr. ******* tell us the email address for the Mid Atlantic Finance employee in question as well as the date he sent the email, and we will conduct an investigation. The vehicle was repossessed on June 5, 2025 due to the delinquency of the account. On the day of the repossession, the account was 89 days past due. Mr. ******* said his property was damaged during the repossession. He was advised to file a claim with the towing company as they are a separate business entity from Mid Atlantic Finance. ************** would like to discuss the account, or if he has additional questions about the repossession, he is urged to call *******************
Initial Complaint
Date:05/29/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am writing to report a fraudulent account opened in my name without my authorization. I am a victim of identity theft and did not authorize this account. The details are as follows:Creditor Name: MAF AUTO Opened Date: 10/05/2019 Account Number: ********************Balance: $6,591.00 I kindly request that you close this account immediately and remove any negative information related to it from my credit report. Please provide confirmation of the closure and any relevant documentation regarding this fraudulent activity.Thank you for your prompt attention to this matter.
Business Response
Date: 05/30/2025
We have reviewed the complaint and account of Ms. ******* Ms. ****** claims she is a victim of identity theft. Mid Atlantic Finance takes the claim of identity theft seriously. To conduct a thorough investigation, we request that Ms. ************ email us a copy of her government issued identification and a signed and notarized theft affidavit. The required documents can be emailed to ***************************************************************************************** Once received, we will review all documents and if necessary, an adjustment will be made to Ms. ******** credit file. Once our review is complete, we will respond to the address provided in the complaint.
Initial Complaint
Date:05/28/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
im not liable for this debt with MID ATLANTIC FINANCE. i dont have a contract with MID ATLANTIC FINANCE. they did not provide me with the orginal contract as I requested
Business Response
Date: 05/29/2025
We have reviewed the complaint and account of ****************************** purchased a 2009 ***** Civic from *********** Company on February 2, 2023, and Mid Atlantic Finance bought the account from *********** Company in August 2023. Although we have not received a request of the contract prior to this complaint, we will mail a copy to the address on the complaint. Mr. ******* also requested a removal of the tradeline from his credit file. The tradeline is reporting correctly as a charge-off and it will not be removed from his credit file. ************** would like to resolve his account, he is urged to call our ******************* at ************************** to discuss all options available at this time.
Initial Complaint
Date:05/19/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am submitting this formal complaint regarding the mishandling of my auto loan account and unjustified increase in the balance following the sale of my vehicle loan by ************************ in *******, *******, to Mid Atlantic Finance Company.I purchased a vehicle from ************* in November 2023 and had been making regular payments as agreed. Without prior notice or proper documentation, my account was sold to ********************. After the transfer, I was informed by Mid Atlantic that my balance was more than /$3,000 higher than what was last reported by ************* prior to the sale.I have made numerous attempts to resolve this issue by contacting both companies. ************* has since gone out of business and is no longer responsive. Mid Atlantic Finance Company has refused to investigate or verify the discrepancy in the loan balance. Instead, they have continued to demand payment under threat of repossessing my vehicle.This situation has caused me significant stress and financial hardship. I am requesting the following:1. A full and transparent accounting of the loan from both Credit Nation and Mid Atlantic Finance.2. A proper investigation into the discrepancy in the balance at the time of transfer.3. Immediate cessation of any repossession actions until the matter is fairly reviewed and resolved.I am seeking assistance from the Better Business Bureau in mediating this complaint and holding Mid Atlantic Finance accountable for their refusal to address this serious issue.Sincerely,******* *****
Business Response
Date: 05/27/2025
We have reviewed the complaint and account of Ms. ****** Ms. ***** purchased a 2009 Kia ***** from ************* Auto Sales on November 1, 2023, and Mid Atlantic Finance bought the account from Credit Nation Auto Sales in August 2024. When Mid Atlantic Finance bought the account, the current balance was $6,308.40 and that is the beginning loan amount that Mid Atlantic Finance is reporting. The contract terms remain the same and have not been altered. Ms. ***** made a payment of $350.00 to Credit Nation Auto Sales after we bought the account and the payment was posted to Ms. ******* account on August 1, 2024. All payments made by Ms. ***** to Mid Atlantic Finance have been on time, and the account was never placed for repossession. A review of all account notes verifies that Ms. ***** was never told the account was in danger of being placed for repossession. As of today, the account is current and there are 8 monthly payments remaining on the loan. We previously emailed a payment history to Ms. ***** as requested. If Ms. ***** would like another payment history or would like a copy of the payment history with Credit Nation Auto Sales, we would be happy to mail copies to her. If Ms. ***** has additional questions or would like additional information of payments made, she is urged to call our Account ******************** Department at ***************************
Customer Answer
Date: 06/04/2025

Complaint: 23343747

I am rejecting this response because: Please see the attached showing the payments made.

Sincerely,

******* *****
Business Response
Date: 06/09/2025
We have reviewed the rejection to our complaint response. Ms. ***** did not specifically state why she is rejecting our response, but only requested us to look at the payment images attached. We have confirmed all of the payment images attached have been posted to her account. ************ has questions, she is urged to call our Account ******************** Department at **************************.
Initial Complaint
Date:05/12/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I used the supplied payment book and paid off the loan on a car that I bought in ********. The loan specifically stated that the loan was NOT to be reported to the credit bureaus. It was in a buy-here pay-here establishment and the loan was agreed on on the specific condition that it not appear on my credit because I was going through bankruptcy. They violated that agreement and reported it anyway. I notified on of the operators to correct this, and they agreed, tentatively, with, "I'll see if I can do that."The terms of the loan were met. I submitted the final payment with the copy of the final page in the payment book and a check that stated, "Final Payment." I expected that the loan was completed. I have photo records of every single payment, as this company was rude, disrespectful, and would NOT stop calling me when I informed them in violation of the Fair Credit Collections Act.They will remove the 90 days late on my credit report, OR remove the item completely from the credit report, OR refund me all the money I paid for violating the agreement between me and J&J Used Cars.
Business Response
Date: 05/15/2025
We have reviewed the complaint and account of **************************** stated that the original dealership agreed to not report the account to the credit bureaus because he was going through a bankruptcy. We have confirmed that Mr. ****** did not file for bankruptcy. ************* can supply any paperwork with that agreement, we would be happy to review and adjust the credit reporting. A review of how the tradeline is reporting shows no late payment in the ****** days past due category. The account was closed in March 2024 and a paid in full letter, contract, and lien release were mailed to Mr. ************* As requested, all phone calls to Mr. ****** ceased in November 2023. ************* has additional questions or concerns, he is urged to call our Account ******************** Department at *********************************
Customer Answer
Date: 05/16/2025

Complaint: 23313638

I am rejecting this response because: I filed the initial paperwork for Bankruptcy and discussed this with J&J Auto at the time. My discussions were with them, not Mid Atlantic. When I got the onboarding call from Mid Adlantic, I asked the man to not report this to the credit bureaus. It was a surprise that they did. I specifically kept this account out of the bankruptcy and off the books to protect myself from having to do continuance on the payments. The contract was with J&******, and I would recommend you contact them instead of attempting to answer FOR them. Also, you are showing me late on the final payment, that was made on time.
The bankruptcy was initiated on
You can contact ******** ***** @ ******************************************** who is my primary attorney to verify the date I initiated the retainer, or **** ***** - Email: ***************************** Office Number: ************** for information on the completion of the bankruptcy. The bankruptcy process was initiated on May 1st, 2023 and due to the complexities of shutting down a business and sourcing paperwork, the case was filed in the Western District Court of Kentucky on or about January of 2025, final order closing the case was on the 7th of May, 2025.
Gentlemen. This is a simple ask that may cost you a lot of money if you don't comply. Honor the agreement I made with J&J, and remove this from my credit report, or, correct the final payment to not show late. Your choice, but the next time we talk, it will be through our lawyers. I'm done playing games.

Sincerely,

******* ******
Initial Complaint
Date:04/23/2025
Type:Service or Repair Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I am disputing an invalid account reported by ******************** on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper validation, it must be deleted per federal law.
Business Response
Date: 04/25/2025
We have reviewed the complaint and account of ****************************** claims the account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA) and requested a correction to her credit file. We have completed a review of the account for the 2014 Dodge Charger and have verified the trade line is reporting correctly to the major credit bureaus. As such, there is no FCRA violation. Mid Atlantic Finance also has a copy of Ms. ********* signed installment sales contract which serves as verification of the loan. ************** would like to resolve the account, she is urged to call our ******************* at **************************.
Initial Complaint
Date:04/23/2025
Type:Customer Service Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Mid Atlantic keeps calling my business asking for a person who has not been a client since March 2023. I have called 2 times and have asked to please remove my business number as its not his. I have picked up the calls and said its not his and have asked someone to reach out as well which has not happened. This is not his t number and the last time I spoke with a person (*****) I did say I would be reporting them if I continue to receive these calls. I will also do with *** since we are on the do not call list. It is ridiculous that even after being notified that this is not that person number that they continue to harass my business. A simple ****** search or even a look at the website they would be able to see the number they call belongs to a business. At this point I am taking it as harassment. Have attached copy of the amount of calls we have received the month of April
Business Response
Date: 04/28/2025
We have reviewed the complaint of Ms. ************** We apologize for the phone calls made to Ms. ******* after she notified us that we were dialing an incorrect number. As requested, the incorrect phone number has been removed from the account, and we will not call her again.
Customer Answer
Date: 04/29/2025

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

***** *******
Initial Complaint
Date:04/15/2025
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Violations of Consumer Rights under;The Fair Debt Collection Practices The Fair Credit Reporting Act Truth in Lending Act 15 U.S.C. 1601 - informed use of credit 15 U.S.C. 1605 - determination of finance charge 15 U.S.C. 1692c - Communication in connection to debt collection 15 U.S.C. 1692g - Validation of debt 18 U.S.C. 1951 - Interference with commerce by threats or violence.
Business Response
Date: 04/15/2025
We have reviewed the complaint and account of *********************** Mr. ********* has requested a cancellation of debt and transfer of the title. There is currently an outstanding balance. Titles are not released until the loan balance is satisfied. Please note, Mid Atlantic Finance is not a debt collector, we are a first party creditor. A copy of ************************ contract was emailed to him on April 15, 2025. After reviewing the contract, if he still has additional questions about finance charges, or any other concerns, he is urged to call our Account ******************** Department at **************************.
Customer Answer
Date: 04/17/2025

Complaint: 23202259

I am rejecting this response because: there has been MULTIPLE Consumer Rights Violations and there has been multiple attempts to try and remedy this contradictory issue. This company is NOT the first party creditor as I have in writing from multiple representatives and verbally informed by ****** Auto Sales Finance Manager a Ms. ****** that the account was SOLD to ************************************************* from ***************** Sales. You simply cannot purchase an Account and also be the original creditor. The COPY of Contract is ineligible and have multiple discrepancies with the account payments from both Mid-Atlantic and ****** Auto Sales. I was also told by another representative at the time of the last payment that the loan has been paid in full and that my title should be released. There is no reason for me to pay anything further.

Sincerely,

***** *********
Business Response
Date: 04/21/2025
We have reviewed the response from *********************** Mr. ********* states there have been multiple consumer rights violations, but did not specifically state which consumer rights he feels have been violated. Mr. ********* purchased a 2013 **** Explorer from ******** Auto Sales on September 6, 2024, and Mid Atlantic Finance bought the account from ******** Auto Sales in January 2025. ******** Auto Sales is the original creditor as they are the entity that originally extended credit. Mid Atlantic Finance is the first party creditor and as such, payments are made to us. A review of ************************ account shows when he made his last payment on February 26, 2025, he called our office, and a representative confirmed the payment was pending, but did not tell Mr. ********* that his account was paid in full and title would be mailed. The title does not get released until the account is paid in full. A clearer copy of ************************ contract will be mailed to him. **************** has questions, he is urged to call our Account ******************** Department at **************************.
Customer Answer
Date: 04/21/2025

Complaint: 23202259

I am rejecting this response because:I am if this company allegedly PURCHASED the account then provide the information I requested because as I stated previously there are multiple discrepancies between the information provided by Mid-Atlantic and Lovitts Auto Sales as far as payments, information in regards to the amount financed and accounting records. This company allegedly PURCHASED an account and has no proof that the account has not been paid in full but is continuously calling me to collect an invalidated debt which is boarding the line of harassment as well as violating my Consumer Rights;

The Full Assignment Contract

The amount of the Debt owed

The name of the creditor to whom the debt is owed

The chain of custody & bill of sale

The double sided accounting records

Proof of a license to prove this ********************** is able to collect debt in the state of ************** and proof that they are registered with the North Carolina Secretary of State.

and the rights this company violated are as stated ;

15 U.S.C. 1601-informed use of credit ;15 U.S.C. 1605-determination of finance charge;15 U.S.C. 1692c-communication in connection to debt collection;15 U.S.C. 1692g- validation of debts ;15 U.S.C. 6802-Obligations with respect to disclosures of personal information;15 U.S.C. 6803 - Disclosure of institution privacy policy;15 U.S.C. 1611 - criminal liability for willful and knowing violation;15 U.S.C. 1692k - civil liability

Sincerely,

***** *********

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Mid Atlantic Finance Company Inc is NOT a BBB Accredited Business.