Complaints

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

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  Mid Atlantic Finance Company Inc

  4592 Ulmerton Rd Suite 200 Clearwater, FL 33762

• 

  Mid Atlantic Finance Company Inc

  6001 34th St N Saint Petersburg, FL 33714-1251

• 

  Mid-Atlantic Finance Co.

  515 N Sam Houston Parkway Houston, TX 77060

• 

  Mid Atlantic Finance Company Inc

  PO Box 12139 Saint Petersburg, FL 33733-2139

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:01/15/2025

  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.

  Mid-Atlantic Finance *** bought my car loan from ( Direct Auto Loan) on November 1st, 2024. I received a letter from them stating that they bought my loan. The envelop I received the letter had my name listed wrong. They had my name listed as ******** *******. When I contacted Mid Atlantic, they did not have my correct information. Did not have my name correct. stated that I did not have a Social Security Number and did not have the correct phone number listed. The letters that were mail stated Dear Customer. I contacted Direct Auto Loan with no avail. VM was always full, left message to have someone return my call never got the return call. When I received the letters, I put them aside thinking it was sometime of fraud. About a week later I received a payment booklet from Mid-Atlantic. I got in contact with Direct Auto Loan around the end of November they stated that my car loan had been sold. I reached out to Mid-Atlantic about my account. My initial payment started in October; I explained to them that I made my October payment with Direct Auto Loan. I also could not understand how I was behind on the payment, if they bought the loan in November. *** explained that they will work with me to catch up my November payment and noted that my October payment was made. On December 28th, 2024 I made my first payment with Mid-Atlantic for $385.03. I set up arrangements with them to make my next payment on January 10th, 2024. Payment arrangements was approved to catch up the missing November payment. On January 5th my car was towed, sold back to Direct Auto Loan for nonpayment on January 3rd. I explained that I made a payment on December 28th. She stated that we missed October and November. They did not have my loan in October. Explained that I made my October payment with Direct, she stated that they cannot speak for Direct Auto Loan, they are a different company. I'm requesting a refund on the payment. The payment never reflected on my account for payment.

  Business Response

  Date: 01/27/2025

  We have reviewed the complaint and account of Mr. ********* Mr. ******** bought the 2006 ****** Avalon from Drive Auto Sale on March 1, 2024, and Mid Atlantic Finance purchased the account from Drive Auto Sale in November 2024. The account was in a delinquent status when we purchased it.  The account remained in a delinquent status with Mid Atlantic Finance and was never brought current. On December 27, 2024, when we received a payment for $379.03, the account was 87 days past due.  The account was repurchased by Drive Auto Sale on December 31, 2024. We apologize that we had the name for Mr. ******** entered incorrectly in our system, and it has since been corrected. *************** has additional questions or would like to review the payment history of the account, he is urged to call our Account ******************** Department at ***************************  *************** has questions about his account after the repurchase, he will need to contact Drive Auto Sales. 

  Customer Answer

  Date: 01/29/2025

   
  Complaint: 22811283
  
  I am rejecting this response because:  We made our last payment with Direct Auto Sales on 10/24/2024 in the amount of $400.00.  If the account was delinquent when you purchased the vehicle, why purchase the account.  When I contacted you, my information was not correct.  With all the fraud going on how could I trust the information.  I had to get confirmation from Direct Auto Sales.  Spoke with a **** she noted that I made a payment on October 24th, she stated that they will work with me to catch the November pay up, which I was going to pay the following two weeks.  My account was sold on 11/01/2024 and bought back on 01/03/2025.  That is two months difference.  Why buy and sales in two months.  Payments Direct Auto Sales: 10/24/2025 for $400 and payment 12/27/2024 for $384.00.  Both companies say I was ***** delinquent. Car got repossessed on 01/05/2025 for delinquent payment.  I am requested a refund on my payment, because it did not apply to my account resulting in my car getting repossessed. due to being 99 days delinquent. 
  Sincerely,
  
  ******* ********

  Business Response

  Date: 02/13/2025

  Mid Atlantic Finance purchased the account from Drive Auto Sale in November 2024.  When the account was purchased, it was in a delinquent status.  One payment was received from Mr. ******** on December 27, 2024, but was not enough to bring the account current. The account remained in a delinquent status while with Mid Atlantic Finance and was repurchased by Drive Auto Sale on December 31, 2024.  Again, we apologize that we had the name for Mr. ******** entered incorrectly in our system, but it has been corrected. *************** would like to review account activity with Drive Auto Sale, he will need to contact them directly.  *************** would like to review account activity while with Mid Atlantic Finance, he is urged to call our Account ******************** Department at **************************. 

  Customer Answer

  Date: 02/18/2025

   
  Complaint: 22811283
  
  I am rejecting this response because:  How could I possibly catch my payment up, when you purchased the account was already delinquent.  We made arrangements with your customer service.  After making payment arrangements my account was sold.  If you purchased an account that is behind, what is your answer to catch the payment up.  It seems like fraud, why buy and sale an account in less than 3 months.  I requested a refund of my payment.  Due to fraudulent practices.  
  
  Sincerely,
  
  ******* ********

• Initial Complaint

  Date:01/03/2025

  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 not liable for this debt with MAF Auto. I do not have a contract with this collection agency. They did not provide me with the original contract as requested.

  Business Response

  Date: 01/08/2025

  We have reviewed the complaint and account of Mr. ********** The account is for the 2011 Chevrolet Malibu Mr. *** purchased from Advance Auto Sales on May 9, 2020.  Mid Atlantic Finance purchased the account from Advance Auto Sales in October 2020.  Mid Atlantic Finance is not a collection agency, we are a first party creditor.  Although we did not receive a request for a contract copy prior to this complaint, a copy will be mailed to the address in the complaint. If Mr. *** would like to resolve the account, he is urged to call our ******************* at ******************* 

• Initial Complaint

  Date:01/02/2025

  Type:Customer Service 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 not liable for this debt with Mid Atlantic financial, i do not have a contract with Mid Atlantic financial they did not provide me with the original contract as I requested

  Business Response

  Date: 01/16/2025

  We have reviewed the complaint and account of Mr. ******** Mr. ******* purchased a 2003 ***** from ****************** on April 1, 2022.  Mid Atlantic Finance bought the account from ****************** in July 2022. As requested, a copy of his contract was mailed on January 15, 2025 to the address on his account  ************** would like to resolve his account, he is urged to call our ******************* at ************ to discuss all options available at this time. 

• Initial Complaint

  Date:12/11/2024

  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.

  ****** ******* gives me the authorization to discus this account for the purpose of resolution: You can call him for verification purpose: You may reach Mr. ******* personally at **************.Ive been asked by ****** ******* to look into the transactions resulting in his truck being repossessed on the 5th of December 2024 due to inaccurate financial of Impact Auto. From reviewing the record(s), it appears that some accounting issues where negligent in properly accrediting the account of cash payments, leaving the account in default and late. If these accounting practices were accurately processed, at the time this particular account was sole to Mid Atlantic, the records o accounting would have shown that the account was stable and on time, making the repossession unauthorized by Indiana State Law Standards. Due to the mis-accounting method of Impact Auto, when the account was sold to Mid Atlantic, it showed the account was delinquent causing the repossession. Mr. ******* is afforded the legal standards of obtaining notification by *********** that his account was being sold prior to that transaction. In this matter, Mr. ******* was not made aware of that sale, and was not given the opportunity to pay off the remaining balance prior to Mid Atlantic purchasing the account. Mid ********************** caused the repossession, the fees associated with the repossession, reinstatement fees, a negative report to his credit and fees associated with the towing company including loss wages. Unless those fees are waived, the negative credit report is removed and Mr. ******* is afforded the opportunity to receive his vehicle today without costs, Im instructing Mr. ******* to file a formal complaint with the ******************************** and the ****************************************.

  Business Response

  Date: 12/20/2024

  We have reviewed the complaint and account of Mr. ************** The complaint has been submitted by an individual other than Mr. ******* and the individual has requested specific account details.  The individual did not state a name or the relationship to Mr. ************** In order to protect the privacy of Mr. ********* account, we require that he give us written permission and to whom we can release information to.  ************** or the individual that filed this complaint has any questions, they are urged to call us at ******************* 

• Initial Complaint

  Date:12/02/2024

  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.

  Dear *********** am writing to dispute an account listed on my credit report under the name Mid Atlantic Finance C, with account number ******************, opened on 11/29/2018.I have discovered that this account is fraudulent, and I am a victim of identity theft. I did not authorize or open this account, and I have no knowledge of any transactions related to it. I kindly request that you investigate this account and remove it from my credit report. I would also appreciate written confirmation once this matter is resolved.Thank you for your time and prompt assistance in this matter.

  Business Response

  Date: 12/16/2024

  We have reviewed the complaint and account of Mr. ************* We responded to a Better Business Bureau complaint from Mr. ****** in July of this year where he claimed his account was the result of identity theft.  Mid Atlantic Finance takes the claim of identity theft seriously and a thorough investigation of all documents belonging to the account of Mr. ****** was completed.  The signature on ******************** driver's license matches the signature on the contract.  Communication during the life of the loan was made to the same phone number found on Mr. ******** credit disputes.  Payments were made with a debit card belonging to Mr. ************* We have determined the account is not a result of identity theft.  If. Mr. ****** has additional information that we could review, he can email it to *************************************************************************************************** Mr. ****** may also call us at ************ and request to speak to a representative in our *************************** and we can discuss the review of his account that we completed.  

• Initial Complaint

  Date:11/18/2024

  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 not liable for this debt with any creditor or collection agency, I do not have a contract with Mid Atlantic Finance, they did not provide me with the original contract as i requested.

  Business Response

  Date: 11/18/2024

  We have reviewed the complaint and account of ****************************** purchased a 2008 **** F150 from Auto 4U on February 9, 2021.  Mid Atlantic Finance purchased the account from Auto 4U in March 2021.  ******************** has not requested a copy of his contract prior to this complaint, a copy will be mailed to the address on his account.  ************** would like to resolve his account, he is urged to call our ******************* at **************************.  

• Initial Complaint

  Date:11/12/2024

  Type:Order 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 not liable for this debt with Midatlantic Finance Company, i do not have a contract with Midatlantic Finance Company, they did not provide me the original contract as i requested

  Business Response

  Date: 11/18/2024

  We have reviewed the complaint and account of **************************** purchased a 2007 ***** Accord from Cars 4 Best on December 15, 2017.  Mid Atlantic Finance purchased the account from Cars 4 Best in December 2017.  Although we have not received a request for a copy of the contract prior to this complaint, we will mail a copy to the address in the complaint.  If. Mr. ****** would like to resolve his account, he is urged to contact our ******************* at **************************.  

• Initial Complaint

  Date:11/12/2024

  Type:Billing 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.

  On September 18th I opened my vehicle loan app on my phone to make my regular payment and upon entering my bank card info and hitting submit the app froze. I immediately called Mid Atlantic to bring the app issue to their attention. The man I spoke to assured me the payment wasnt showing on their end saying it didnt go through so I made a payment with him. The next morning I see on my electronic bank statement the payment came out twice! Understandably Mid Atlantic wanted to see my bank statement for proof of it which I have provided several times. Over two weeks I tried to get the payment back as I cant afford three payments in one month. Two weeks go by and nothing! So by this time another payment was due and I told them to just make my account current and keep the payment. Two months later Mid Atlantic is STILL trying to tell me they didnt get an extra payment and that Im behind affecting my credit! I have countless proof of the emails, calls with them and my bank and still no resolution! The latest resolution I tried to get was with an employee named *****, she said my bank and I could call her. We tried with no answer by her so of course I had to leave a voicemail! Its like they are hoping Ill get tired of the harassment and no resolution so they can keep my money. I dont think so, thats theft!! I have all the emails Ive sent with my proof, did everything they have asked, times Ive called them and my bank and Im just DONE! The error is with them and their system not me or my bank! All I want is for Mid Atlantic to make this right. I do not want a refund, all I want is for my account to be current and for them to leave me alone and never call me again! I will NEVER go through them again! They are causing me to suffer, interrupting my peace of mind, time with my family and my nursing career, enough is enough! Ive never even been late on a payment the whole couple years Ive had my car!!!

  Business Response

  Date: 11/25/2024

  We have reviewed the complaint and account of Ms. ************* Mid Atlantic Finance received two debit card payments for $240.00 each on September 16, 2024.  Ms. ****** disputed one of the payments, reversing a payment for $240.00 on September 30, 2024.  We have confirmed that no late payments were reported to the major credit bureaus and that the trade line is reporting current with all on-time payments.  We apologize for any inconvenience Ms. ****** had while making a payment.  As requested, Ms. ****** will no longer receive calls from Mid Atlantic Finance.  ************* has additional questions, she is urged to call our Account ******************** Department at ********************************* 

  Customer Answer

  Date: 11/25/2024

   
  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. However, only when I filed a formal complaint was the money refunded NOT when the whole situation started as Mid Atlantic stated. 
  
  Sincerely,
  
  ***** ******

• Initial Complaint

  Date:11/07/2024

  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.

  8 months ago I bought a 2006 pt cruiser from city car 3800. I now owe 971 .01 they sold my account to mid ********************** they say l now owe ******* I don't understand how I never signed anything with them please explain if possible

  Business Response

  Date: 11/11/2024

  We have reviewed the complaint and account of Ms. ****************** Mid Atlantic Finance purchased Ms. ************* 2006 PT Cruiser from Car City Auto Sales in October 2024.  The principle balance is $971.01 but because simple interest accrues, the payoff is $1,021.94 as of November 11, 2024. If Ms. *********** has additional questions, she is urged to call our Account ******************** Department at *********************************

• Initial Complaint

  Date:10/28/2024

  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.

  This company running a scam or fraud on people you try talking to a owner or supervisor they patch you around and after a hour on the phone they tell you to call back, you let them know that you gave back the vehicle to the car dealership because they refused to fix the car they don't get a hold of dealership they just keep hitting your credit report and charging interest on your account I had no problem with paying dealership they would fix or replace vehicle Mid-Atlantic finance was told from day one that it was a lemon

  Business Response

  Date: 11/08/2024

  We have reviewed the complaint and account of *** ************ Mid Atlantic Finance purchased *** ******* account for the 2003 ******* Navigator from Good 2 Go Auto Sales in May 2024.  We have confirmed that *** ***** took the vehicle to Good 2 Go Auto Sales for mechanical issues.  An inspection by the dealership revealed an electrical harness issue.  *** ******* vehicle is still at the dealership, and he is urged to contact them to discuss repairs.  If *** ***** would like to discuss his account he may call our Account ******************** Department at ********************************* As *** ***** requested, he will no longer receive phone calls from Mid Atlantic Finance. 

  Customer Answer

  Date: 11/08/2024

   
  Complaint: 22478764
  
  I am rejecting this response because:
  
  Sincerely,
  
  ******* *****.  Mid Atlantic know good and well that they were contacted by good to go auto and refused to get the vehicle fixed good to go no longer owns the vehicle Mid-Atlantic finance does this is not the first time this happened I got a Van from good to go and Mid-Atlantic had sent me paperwork to pay for it but the transmission went and good to go replaced it with the ******* navigator which I had problems from day one it had been to four different mechanics if good to go auto was still the owner they would have replaced it for me but they informed me that Mid-Atlantic finance said they were not going to fix it the vehicle has been with good to go about 4 months I cancelled the insurance and gave back the license plate calling *********************************************** is a joke the last time I had called I asked for a supervisor and was on the phone for a hour they came back and told me to call back so over all if Mid-Atlantic finance didn't buy my loan I would have a vehicle right now from good to go!!!