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

  PO Box 12139 Saint Petersburg, FL 33733-2139

• 

  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

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:11/22/2023

  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'm not liable for this debt with Mid-Atlantic *********** I do have a contract with Mid-Atlantic Finance Co., and they did not provide me with original contract as I requested.

  Business Response

  Date: 11/29/2023

  We have reviewed the complaint and account of *************  **************** account was repurchased by ************** on October 30.2023.  Mid Atlantic Finance has reported the account to the credit bureaus as repurchased by the original dealership.  Although we have not received a request for a copy of the contract prior to this complaint, we have mailed a copy to the address provided in the complaint.  Mid Atlantic Finance does not have additional information about the account after the repurchase.  If ************ has additional questions related to the account prior to the repurchase by **************, she is urged to call our Account ******************** Department at **************************.  

  Customer Answer

  Date: 12/02/2023

   
  Complaint: 20903643
  
  I am rejecting this response because: I did not have the vehicle during the time of the missed payments because the engine went out and the car dealership took the vehicle in for repairs. The vehicle was determined to be totaled because repairs exceeded cost of vehicle. I never had the car back in my possession during the months the payments were not made by me. ************** had the vehicle and for a while did not commmunicate with myself or Mid-Atlantic in regards to this matter, causing the payments to continue for 3 months. I am very upset, and will take all necessary precautions to have this removed from my credit history as I am looking to buy a new vehicle. This is unfair. I NEVER HAD A MISSED PAYMENT UNTIL ************** TOOK THE VEHICLE BACK FOR REPAIRS AND KEPT IT!
  Sincerely,
  
  *********************

  Business Response

  Date: 12/05/2023

  We have reviewed the response from *************  Being that ************** had possession of the vehicle since August 29, 2023, Mid Atlantic Finance will update **************** credit with on-time payments.  The account will report as repurchased by **************.  The update will be submitted to the credit bureaus today.  Please allow 30 days for the credit bureaus to process the update, however, it is generally a shorter time frame.  If ************ has additional questions about the account prior to the repurchase by **************, she is urged to call our Account ******************** Department at **************************. 

• Initial Complaint

  Date:11/16/2023

  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.

  I purchased a vehicle from ******** in ************** ********. They were a buy-here pay-here company. They sold the debt a few weeks later to Mid-Atlantic Finance in ********** *******. Since then they have been a nightmare. I've told them by mail, and by phone to stop contacting me before the late date on the loan, and they ignore me. They not only call me, but my family, demanding I pay them before the late date. I'm sick of the games.

  Business Response

  Date: 11/17/2023

  I have reviewed the account and complaint of *****************  The due date on the contract is the 10th of the month with a 10 day ************************************ is not intended to extend the due date but allows the consumer to pay up to 10 days late without a late charge.  I did review the notes on the account and verified all calls were made after the due date of the 10th. I have noted ******************** account indicating no calls are to be made.  **************** will not receive any further calls from Mid Atlantic Finance, as requested.  If **************** has any further questions, he is urged to call **************************. 

• Initial Complaint

  Date:10/27/2023

  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.

  account number ****** and account number ****** has violated my rights 15 u,s,c **** section 602 A, states i have the right to privacy. also 15 u.s.c **** section 604 A section 2 it also states a consumer reporting agency cannot furnish a account without my written instructions they dont have my written instructions which means they are in violation according to the law also 15 u.s.c ****c (a)(5) section states; no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years also 15 u.s.c ****s-2 (a)(1) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate remove accounts off my credit report asap

  Business Response

  Date: 11/01/2023

  I have reviewed the complaint and account of ***********************  ********************** mentions his rights have been violated with respect to his privacy, however no information was provided showing that right to privacy was violated by Mid Atlantic Finance.  The complaint also states credit reporting agencies cannot furnish without written instructions.  Mid Atlantic Finance is not a credit reporting agency; we are a first party furnisher.  As a furnisher, we provide the information to the credit reporting agencies.  The complaint further states no consumer reporting agency may make any consumer report containing information it knows or has reason to believe is inaccurate.  We have reviewed how **********************' account is reporting and have verified it is accurate.  No specific dispute information or documentation supporting the dispute was provided.  Mid Atlantic Finance is committed to furnishing accurate information to the credit bureaus.  If ********************** has additional information pertaining to his complaint, he is urged to contact us at ******************************************************************

• Initial Complaint

  Date:10/27/2023

  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.

  My credit report contains a false MID ATLANTIC FINANCE C discrepancy that needs to be removed. I sent them letters demonstrating errors on my credit report, and I have receipt numbers **** **** **** **** **** 87. I wrote them a letter on 09-18-2023, but I never heard back, and this account is harming my credit rating. If they don't reply, I'll launch a lawsuit.

  Business Response

  Date: 11/01/2023

  I have reviewed the account and complaint of *******************  Mid Atlantic Finance does not have a record of receiving the letter sent by ******************, and the tracking number provided shows the letter was picked ** in a facility in *****, **.  Mid Atlantic Finance has offices in **********, ** and *******, **, so the letter was not received in our offices.  However, after a review of ********************** account, we are submitting a request to the national credit reporting agencies to delete the trade line.  This request will be submitted today, but the national credit reporting agencies can take up to 60 days to process the request, although it is normally much quicker.  If ******************, has any additional questions, we urge her to call us at ************. 

• Initial Complaint

  Date:10/26/2023

  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 finish my car loan then they told me they send the title in the mail. They never send it. They make me to pay for another title and they send me a letter and the letter came in the mail but the title didn’t come in the mail they don’t they didn’t send it.

  Business Response

  Date: 11/01/2023

  I have reviewed the complaint and account of Mr. ****. The tile was mailed to Mr. **** on August 4, 2023, to the address on record. The title appears to have been lost in transit.  In an effort to expedite Mr. ****'s receipt of title, a lien release was sent on August 29, 2023, which Mr. **** confirmed receipt.  Mid Atlantic can order a duplicate title to be sent to Mr. ****, but this avenue of title replacement can take up to 6 weeks to complete.  If Mr **** can take the lien release to his local DMV and request a lien-free duplicate, Mid Atlantic will reimburse him the cost associated with the duplicate title.  Mr. **** will need to provide the receipt from the DMV to ******************** once completed.  We also ask Mr. **** to provide the address he would like the refund or any future correspondence sent to.  If Mr. **** has additional questions, we urge him to contact us at ************ extension ***. 

  Customer Answer

  Date: 11/02/2023

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  
  
  Sincerely,
  
  
  
  ***** ****

• Initial Complaint

  Date:10/26/2023

  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.

  This company contracts/employ some very rude individuals. My contract was sold to them without my knowledge, which I had no choice but to be okay with. My account is currently past due. Their website only allows you to make the payment for the full part due amount, instead of a payment for whatever amount can be paid at the moment. That should be in the category of unethical. I attempted to make a payment for one month on 10/20/2023, but couldnt do so because of the website. I was going to make a total of 3 separate payments for the past due amount to be paid before the month is up. I receive a call from **** *** and explain I attempted to make a payment but couldnt do and moving forward I will make a total of 3 payments to bring the account current. I couldnt finish explaining before I was rudely interrupted and told I couldnt make partial payments, I needed between $400 - $500 and they could work me for the next month. I attempted to explain my payment plan again but was rudely interrupted. I told her I couldnt make the payment at once and will call back when I could. She then stated I needed the full past due balance and that my car is going to be set for repo and I better have the car. Under what law or practice is threatening and being disrespectful towards customers okay? I hung up to avoid a panic attack. I calls back and the next agent hangs up as well after I asked for a supervisor and told I just want to make a payment & refused to answer questions she already had the answers to, such as employment address. The employees are out of line and does not display good leadership skills nor positively represent any company. Its already hard on people, because of inflation and theyre trying to make it harder. Allow the website, that already charge to make a payment, to be able to submit a payment for any amount.

  Business Response

  Date: 11/16/2023

  I have reviewed the account and complaint of *************************  We apologize for any inconvenience or disrespect ************************ may have felt during her interactions with our employees.  We have reviewed the calls ************************ mentioned and have provided training to those involved.  ************************************** account is current at this time, but, if necessary, we do offer programs for assistance. if ************************ has any additional questions, she is urged to call the Account ******************** Department at **************************.  

  Customer Answer

  Date: 11/17/2023

   
  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:09/25/2023

  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 do not have a contract with this collection agency.I requested Mid Atlantic Finance to provide me the original contract as I requested when speaking to them.This has clearly affected my credit.

  Business Response

  Date: 10/04/2023

  We have reviewed the account and complaint of *****************  Mid Atlantic Finance is not a debt collector but we are a first party creditor.  Although we have not received a request for a copy of the contract prior to this complaint, we have mailed a copy to the address on ******************** account.  A complete address for **************** was not included in the complaint.  This account is reporting accurately.  If *************** could provide more detailed information as to what she is disputing, we could conduct further research.  **************** is urged to call our Account ******************** Department at ************************** to discuss all options available at this time. 

• Initial Complaint

  Date:08/28/2023

  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 FINANCE CO. They did not provide me with the original contract as requested. I demand this account be removed from my credit report.

  Business Response

  Date: 08/30/2023

  We have reviewed the account and complaint of *******************  Although, we have not received a request for a copy of the contract prior to this complaint, we have mailed a copy to the address on this complaint.  This account is reporting accurately.  ****************** is urged to call our Account ******************** Department at ************************** to discuss all options available at this time. 

• Initial Complaint

  Date:07/28/2023

  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.

  This company is trying to defraud me with charges that i have already paid or that i do not owe.On Dec 22,2022, i decided to pre-pay and i made a lump sum payment of $2,940.00 that covered through July 14th. The website for this business, showed a balance of $113.26 owed. I called and asked why the website show i owed $113.28. I was told that i owed nothing until July 14th. I later paid the $113.28.I just recently received a call that that i am 12 days past due and that i have to make another payment that has already been made. They now claim that the $113.28 that i last paid went towards interest for the lengthy period that payment wasn't made. Why should there be interest charged for months that were pre-paid? This is a criminal attempt at extortation. This company has a horrible reputation and very poor reviews for dishonesty and extortion.

  Business Response

  Date: 08/07/2023

  We have reviewed the complaint and account of *******************************.  We did receive a large payment in December, 2022, which was applied to the applicable months, advancing the account.  However, the amount paid did not total an equal number of months, so there was a partial payment due for the month of June.  As indicated, this amount was paid on July 13, 2023, which completed the June payment.  In reference to the interest charged, this is a simple interest account, which means the interest continues to accrue daily on the average outstanding balance.  If ******************************* has further questions, he is urged to contact our Account ******************** Department at **************************. 

  Customer Answer

  Date: 08/07/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is not satisfactory to me. according to my payment history which midatlantic finance sent me, it shows that the payment i made of ****** was indeed due on july 14th not june 14th . as it shows on the file -1 day before the due date of 07/14/2023 . if the due date was 06/14/2023 as your saying, why didnt it say i was past due when i went to pay? why does it show that i paid a day earlier on my payment history? infact it even says in the payment history my lumpsome payment paid past the due date of 06/14/2023 to 07/14/23 with ****** remaining to pay. i payed that on
  07/13/2023 as shown in the file of my payment history sent by mid atlantic fincance, and then it shows that none of it went towards my balance to pay it off. instead they took that ******$ and put it all towards intrest. i would like a professional to look at this situation, as i feel like i am being cheated.
  Sincerely,
  
  **********************************************

• Initial Complaint

  Date:07/11/2023

  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 recently paid off my car loan and went to get my car registered in ******** on 6/28/23. At that time, they told me that I needed the car title, and my car was registered in *******. I called mid-Atlantic on 6/28/23 and I was told that the repo department had to make the name change. I have called over two weeks- leaving messages and voicemails. Nobody will call me back! I plan on going to the ***** at this point, because I feel like I am being discriminated against. I have a car that I am unable to drive because I can't get the car registered under my name! Can someone please help me!

  Business Response

  Date: 07/20/2023

  We have reviewed the complaint and account of *********************  The title was sent to her by Federal Express to the address on record.  The title was delivered to ******************** on July 11, 2023 at 7:29am.  If ******************** as additional questions she is urged to call the **************** at **************************.