Mid-Atlantic Finance Company Reviews

Terrible experience with their customer service representatives. They constantly try to argue with you and interrogate you. I constantly ask to accept the payment. They won't accept the payment without interrogating you first. The call constantly drops or gets disconnected and they don't accept discover debit cards. One agent attitude was so terrible. I asked to speak to someone else he said, "No you have to call back". Another agent kept asking me questions. I told her please just accept the payment cause am in a rush. She said, "Do you want to call back," as if she's trying to say am gonna sit and listen to her questions. I do not recommend this company at all.

I've been trying to work out a resolution with this company but all I've gotten is rudeness and uncooperative responses. My vehicle sits now. Transmission is ruined. It has took on it salvage material. I want to junk it. I've owed 3000 two years ago. They haven't tried to contact for 3 years.. I called and was told it's out of their hands.. So wtf is going on. I want the title so I can junk it.

I AM A DEALER WITH EXPERIENCE SELLING ACCOUNTS TO MAF. I will NEVER do business with Mid Atlantic Finance company again. The first few bulk deals we did with them went well, but the last two were beyond disastrous. They're SO disorganized, and at the same time they're aggressive with customers. At this point, they've embarrassed us with so many customers, destroyed so many relationships, lost so many payments it's impossible to recount it all. What a nightmare. Don't do it. You'll also never receive a dollar of the bonus pool. Take your accounts ANYWHERE else, even if the offer is lower. Dealing with MAF is horrendous. Absolutely NOT worth it.

A few years ago Mid Atlantic Finance Company helped me finance my cars I bought through Hunns Auto, I'm hoping they can help me one more time. They were so fantastic with my other cars. Thank you mid atlantic. Nancy **

Since I started with this company, I have had problems. Since starting with this company whom I did not choose Citi motors chose them. I answered AI for my car payment on the first of September, payment was due August 29th did not process my payment because of a mistake with AI then put a hard inquiry on my credit knocking my credit 10 points. After calling yesterday and paying the payment also late fee, also putting my car payment on auto pay they put another hard inquiry on my credit knocking it down another point. I am really not happy with this company.

If your vehicle has been financed through Mid-Atlantic be prepared to give up the cash because you are going to be robbed. I record all of my phone conversations with them and from the very first conversation that I recorded I was told that my price would not change. It has went up quite a bit. The interest is high. I make my payments months in advance so that it does not catch up to me. But the best thing to do is to pay the vehicle off completely and get out from under them try not to do it again. It is not the staff in my opinion they are only doing what they're being paid to do but the policies of the company itself.

My account gets drafted on a third of every month. It didn't get drafted this past month. When I called they said that the account balance is so low that the system automatically will take it out in April. I asked why I'm not going to pay that much interest. And then I change the draft date to February 3rd missing a month, no big deal. Today on the 28th the money came out of my account. I called Mid-Atlantic a couple times, never swore, never said anything derogatory or mean. By two employees as well as the four supervisor they hung up on me after I question what they were doing. I would have never went to this company. I have a great credit score, I was just down in my luck and had to buy something real quick and that small car lot sold my contract to these guys. Now I wonder how much I'm going to have to pay extra?? I would never send anybody to Mid-Atlantic ever. And they're not even Better Business Bureau accredited? Makes you wonder huh.

Absolutely the worst experience I've had. They never gave me an account number so I have no way of paying my car note. So I'm just waiting for them to come take my car so I can use. Every time I call I'm on hold for 3 hours and then it hangs up on me. This is actually ridiculous. I wasn't even told they bought my loan and they kept spam calling me and then when I finally got something in the mail they said I was 14 days overdue and that was 2 weeks ago. How is that possible if I paid my car note with my dealership for those 14 days.

Worst company I have ever dealt with. They are 100% crooks. If a company is in it just for the money it's Mid-Atlantic. I got caught up in this crap for them buying my account. I never signed a piece of paper or contract from day one. Their question was how was the vehicle. I told them I have driven it 3 times out of the whole time having it. It's been in the shop for repairs. It's still in the shop needing repairs and the dealership was asking Mid-Atlantic to fix it and they said no. If it was still with the dealership they would have fixed it or replaced. I have forked out thousands and lost thousands because of work. Mid-Atlantic will not budge and I am not paying another dime. Already bad enough when you pay $700 and $300 go towards the vehicle and the rest is fees!!!!

Today I made a payment towards a Car loan that I have with Mid Atlantic. I spoke with a CR Rep named Ludy to process a payment over the phone. I successfully processed the payment however during the disclaimer there were a few details that I was uncertain about. I calmly waited till the disclaimer was read and then I presented my question, which entitled if there would be extra fees or charges added to the transaction while processing the payment. I was told if I was processing a payment by credit card I would be expected to pay additional fees administered by the institution however since I was paying using my debit card I would only be obligated to cover the six dollar transaction fee used to process the payment.

I called because I had a question on how they come up with finance charges, they told me they weren't responsible for any of that and to take it up with the dealership, the dealership told me to take it up with Mid-Atlantic and they were responsible. After going back and forth 4 times to get an answer I had other questions. I asked Mid-Atlantic for a copy of my contract and they sent me 1 page which was the retail installment contract.

My experience started when I purchased my vehicle through a local car dealership where I live. Everything was fine until one day I kept getting calls from a MID-ATLANTIC company, I had no clue what they were calling about! And they’d leave voicemails they needed my information and vehicle info. I was iffy. So I contacted the dealership where they finally told me what MidAtlantic wanted and why they were trying to locate me. I was upset at first. I didn’t know these changes happen without me being notified first!

I paid off my car back in July so I thought until this morning when a man came to the door and ask for the keys to my car. Absolutely frightened my son to death. Afraid he gave the man daddy’s car keys. I called Mid Atlantic and after two hours I finally spoke to someone. He said I owed $700.00 to get it back not including towing fees which was another two hundred in fees. When I challenged him nicely he hung up on me. Finally, I got a so-called supervisor who was even worse. Bottom line they wanted my car get money I did not owe. They are NOT registered with the BBB. I did reach out to the Federal Trade Commission which has hundreds of complaints as well. BEWARE, DO NOT ALLOW YOUR DEALER TO SELL YOUR LOAN MID-ATLANTIC. It’s all over the web.

The words customer service are truly a joke with these folks. Numerous occasions I would call to have a payment posted and all these fools could do is pass me around from one rep to another. They eventually laid this on the original dealer with whom my loan originated. I truly wish my dealer had never sold my account to these misfits.

I have recently paid off my vehicle, which was financed through Mid-Atlantic Finance. Having been told I would receive my title twice, here it is the middle of July and still no title. Now the couple of times I was late on a payment, they were harassing me each day like clockwork, threatening me with repossession. The customer service is not cooperative, instead antagonistic. Several times I was hung up on and ridiculed. Management is no better, having you believe they are doing you a favor, yet never leaving notes for future representatives to review. Should you find yourself being offered a loan contract with Mid-Atlantic Finance, please consider another option. I would hate to know someone else was going through what I have endured.

I, like so many others, bought a car from a dealership and started receiving phone calls from MAF stating my payments were late when my payments were autodrafted by the dealership on the due date every two weeks. At first, not knowing who they were or why they were asking about my car loan, I made them prove who they were. I went by the dealership and confirmed that they did indeed purchase my car loan from the dealership. At this moment I was told MAF is the actual lien holder to the car I had a note against. Once I verified that they had a reason to be calling, I then started sending proof of my on time payments to clear up any misunderstandings regarding late payments. Fast forward a month... I get a call from my mother stating that someone just drove off in my car. I called the cops and reported it stolen. I called the dealership to make sure that they didn't repossess due to the confusion with my payments.

I bought a vehicle outside of Cincinnati for 6800. Great man great dealership but for some reason my loan was sold to MAF after my PCM went out 2 months after I bought it as well as rusted wirings. A total of $5500 of parts. I brought it to him. He said there was nothing he could do since MAF now had the loan. He then told me they never gave him a dime for the 40 loans he sold them because they told them they weren't up to par. Well 3 years later now my booklet said I paid my car off 5 months ago and I called to get an estimate of what I owe they tell me 4500???? I also put 2500 down to get the car?

My contract was bought by MAF and I have had horrible experience ever since. The finance department argues with you on why you are late, they are rude, unprofessional and when I try to catch up on my payments they are not willing to work with you or even care! This is the worst company I have ever been with. I would never want to be financed through them again. They prey on people buying horrible run down cars and then don't want to help them get it fixed. My vehicle has had problems the whole time I have had it which is only 5 months, now the mechanic is telling me the axle is bad!!! I can't stand them and would warn anyone to stay away!!!

I purchased my vehicle through Marti Motors located in Granite City Illinois but for some reason my note was sold to MAF. I paid my car off April 26, 2018 and yet I have received my title. I have contacted them at least 4-5 times regarding the situation and I keep receiving the same answer that I will be receiving a document in the mail within 3-7 days to take to the local DMV then I will be able to receive my title. But I still haven’t received that piece of paper in the mail. I was never late on a car payment and for it to be a whole new year and almost April again. I wouldn’t recommend this company to any one because their customer services is just as bad off. I just want my title. I should have to go through all of this to receive it!!!

My note was sold to MAF and the entire process has been a headache. They lost a check that was mailed to them, to which I paid extra for tracking and delivery verification. Once I noticed the check was not posted to my account after a week, they claimed not to have received it. A lady in collections was rude and said it was late and a fee would be accessed up until I told her I had tracking verification on it. I paid off vehicle 10/12/18 (about 8 months early). I was told since paying with debit it would be 30 days before title would be mailed. Ok so 11/12/18, no title. I wait until 12/14/18 to call again. The rep was in shock the title has not been mailed. She informed me it would be mailed, (she put me on hold to get this info from the title department). 12/19/18, still no title. Mind you I am only 4 hours away. At most it would take 3 days by mail. Well here it is Christmas Eve and still no title. So they should probably produce my title or they will buy my car back.

I purchased my vehicle and eventually the loan was sold to MAF. I have chosen to pay over the phone. My payment is $160 every two weeks. This month I had unexpected medical bills and I got one payment behind. I called MAF and tried to make a payment. The customer service rep was rude, aggressive, and couldn't speak English well enough to understand. The more aggressive he became the less understandable he became. He told me that if I wasn't nice to him he would come and get my car! I asked him to transfer me to someone who spoke clearer English and he transferred me to a Spanish only line. When I called back I got a different rep. I asked him if I could speak with a supervisor and he hung up on me. All of this over me trying to make a payment on the account. I wish that something besides whining on this review could be done on behalf of the consumers who have to be subjected to the practices of this company.

Two years ago I started purchasing a car through a dealership called Wingo Wheels in Heflin Alabama. Well for some reason Wingo Wheels sold out to Mid Atlantic without me having any acknowledgment so as normal I kept going to Wingo Wheels to make payment. After two month of me paying Wingo Wheels I was contacted by Mid Atlantic saying they were going to repo my car and I'm like, "What are you talking about?" Then they tell me they bought out Wingo Wheels. I had to send Mid Atlantic proof I was paying Wingo Wheels so I did. I emailed them the proof I paid off my car just recently and they have failed to send me my title. I have contacted Mid Atlantic and they keep telling me one thing after the other and giving me a runaround.

I was trade to Mid-Atlantic from another company with either I’ve never missed a payment. I fixed the same problem on the car twice, went to trade it in. Found out it had a salvaged title on it, I explained this to Jessica and also that I will try my hardest to trade it in. That way I can get another car and buy out the loan. I was hoping they would understand seeing as though I never missed a payment, I communicated to them what was going on, and I was open and honest. Even said I would pay partial payment seeing as though I still had the car and if I could trade it in by her first I would pay the full amount. Still Jessica explained that the account manager says full payment. So they are expecting to me pay for the savaged girl and get a new. SMH. Tragic. This is how you treat a loyal customer.

This is the worse finance company ever! They prey on their account holders. My car was repoed twice in 5 days because someone was too lazy to verify my payments! I owe 6 more payments and since my balance dropped below 4k, they have made multiple attempts to show that I’m not paying my payments. These people are liars and all about manipulating their customers. Once I am done with this loan, I am seeking a lawyer. These people don’t even deserve to one star.

They are crooks! And really need to be shut down. After paying my car down to $1800 from $5500 where I started from they sent a tow truck to get my car. I wasn't late on my payments then demanded I pay what I owe them on it if I wanted my car back! This should be illegal and I feel that if a bunch of us were to get together something would get done about them!

I didn't have any problem with them until it came to my last $150 payment. I made every other payment on time, but had some personal problems come up when my last payment was due. After talking to them and promising to pay the next month on the 2nd, they were super rude about it. I woke up today on the 1st and they had already repossessed my car! I was two months late, but it was my last payment and I talked to them about it. They could have at least waited to see if I would pay on the 2nd before they took it. I only owed one more payment and they thought they would try to come and pretty much rob me over $150! Now I have to go pay $475 tomorrow to get my car back! Thank God I will be done with them after this, but they shouldn't treat good customers this way.

When I got my car loan with South Jersey Finance and after 2 years of paying on time, they sold my loan to these **, who proceeded to tell me I was late (not true) this is a common trait that they do to get the car buyers in financial trouble. I fought with them constantly and their help was calculating and rude. They wanted me to catch me up on a payment??? And came to an agreement where they made a form that would make me current if I paid a fee. They sent the paperwork on my computer... I read it signed it and paid the fee to bring me current. They got the money and then said a week later that they made a mistake and cannot do it.

This company is awful. They took over my loan and it has been a nightmare since then. As soon as they got it they said I was late. People were nasty and not knowledgeable at all. Then they kept calling my job only to hear me say I will pay next week. I finally had to threaten that I was recording the calls and got an attorney before they would stop. Without question the worst business I have ever dealt with. 3 more payments to go I hope and see you bye bye.

Ever since my car loan got bought out by these people my payment has "always been late" or they say they never got it when in my bank account it clearly shows they got it. Then they took out a payment today over 500 bucks. Only 81 bucks of it was approved. This company is horrible and needs to be shut down.

Car loan - Was on time until they unexpectedly bought my loan just to ruin my credit. They are calling everyday just to get told the same information I told them the day before. I refuse to answer their calls anymore. They are rude and keep asking you the same questions over and over. I wish I had the choice for them to not purchase my loan. I will be filing harassment against them. They say I'm 300 behind and that they haven't received any payments that I've mailed to them in over a month. Worst company ever. Needs to be shut down by the FTC and BBB.

I been paying my car on time, one day I was informed that my acct is been sold to this company. On March I did 2 payments, the balance at that time was 1200 even, now in May I was ready to do May payment and I find out that the balance is 865.00. I did call the company and they states interest are base of total payments are 29 so practically they are charging or punished me for do payments in advance. I'm trying to pay off the balance of course and they said should be wait until next week because they need to calculate the balance. I don't understand why. If the balance is 665 how much more I need to pay to close the acct with them. Looks like and will be responsible for the interest they should not getting from me if I close the acct now. This is a company that abuse the people.

My car loan was in perfect standing until they bought the account without my knowledge. Now my normal autopay that I make is coming out every time, but because it was being taken out by the original finance company and then transferred to them without me knowing about it, they trashed my credit rating saying I'm late and missing payments when I have the proof that each and every payment was made. I worked my ** off to rebuild my credit into the 750 range and thanks to them I went down into the 400s overnight and they won't report it in error. I'm done with them, I just purchased a NEW car for less than what these shysters were charging me! ABSOLUTE CON-ARTISTS. They can go to hell.

Worst finance in the world. My account was transferred to this company without my consent or knowledge. They lie and are rude. They turn your car off without warning or a phone call. I have always paid 2 weeks and it's been a problem every time. I hate their service over the phone, they are not helpful. I don't know what the balance is on my account because I cannot view it online.

I bought a car through Rhodes Auto Sales. After a few months MA took over. I didn't even know about it too. I called about my car being flooded. Now to speed up they repo my car Friday night after I gave them 540.00 dollars on my account. I was behind 1350 due to a job loss but they say they was gonna defer the payments 2 weeks ago. Now my car is gone. They put most of the money towards interest when they know I was trying to catch up and I told them I would pay the balance off soon as tax money hit. They a rip off. Rude as hell. I want to sue this company. I'm single and trying to make it with health issues but I gave them 540.00 dollars to come get my car. I'm pissed.

I have been making payments with this company for almost a year now. I have asked on several occasions for them to send me a copy of my payment history. Every time I call in I have trouble actually making the payments. In the beginning we could only pay by bank account or MoneyGram. So I started paying with MoneyGram. 2/1/2017 I made a payment for $200 and called in on 2/2/2017 to make the payment. A lady told me the payment was pending and I asked her what did that mean? She told me that the payment hadn't posted yet but that it could be because I made the MoneyGram payment after 3 pm. So I said okay and that I would call in another $200 on Friday 2/3.

This company buys "good loans" from buy here, pay here dealerships. The dealerships have no clue how bad they are. They charge extra for online payments and even when paying ahead they keep calling to threaten for payment. I can't even understand them when they call.

I financed a vehicle through Rhodes Auto Sales. It was a 3 year loan and never had a problem. Several months ago Mid Atlantic Finance bought out the loan (without my knowledge). I was contacted a month later (by then I had late fees) as to where to make the payment. By the time Mid Atlantic bought out my loan I had already paid more than 2 years on my vehicle. I was in a car accident on Sept 22, 2016. The vehicle was deemed a total loss. WHY, 40 days later, (with 7 months left on the original loan) when Insurance is ready to issue payment, do I still owe almost $8,000 on my loan (original loan amount was $15k)??? And accumulating interest EVERYDAY until they get the check!!

I have good credit. Bought a car for my son. I supervised the payments. Never missed one. Never late. He knew if he missed one. I would take car. Loan sold to Mid Atlantic. He had proof he paid original loan company. We start getting nasty calls from Mid-Atlantic. We had no idea who they were. We sent them proof of payments. Nope they were not having it. I even got dealer involved. Long story short. A nightmare. Rude people. They shut my son's car off leaving him stranded. So we paid car off to end this nightmare. Still waiting for title. Three months. Still processing payment. Good thing my brother is a lawyer. He sent them a letter. I will take them to court for damages. Horrible place.

They came in the night and stole my van that I paid them for in full. I need my van and I can't get it unless I pay them 1222 dollars I don't have. This company takes from the people who don't have. Read all the reviews on this company Mid-Atlantic Finance Company. They feed on the poor men and women. That is wrong. I am on a fix income. They wait till you pay your last note. They tell you your title will come in the mail... weeks pass. You wake in the morning, look outside, boom, your van is gone. You call them. They tell you, you owe them late fees. I paid for my van in full. Now I have late fees, tow fees. I have a bad heart, high blood. I need my van.

First of all, I am so sorry to hear all this crap about MAF and I wish I would have known earlier. As a small business owner, when we do in house finance, all that money, our investment is "on the 'street" is a risk to lend money. Sometimes we get our payments late and people don't understand that a small business needs those payments to be able to pay bills and employees and stay at float just like any household. So we had the chance and the offer to sell a package of accounts for less than the total amount owed to us, but we would get the money up front, with a bonus pool check when all the accounts were paid off. Thanks God we only sold 7 accounts to MAF. They were 0% APR contracts and the customers finished paying off their vehicles.