Mid-Atlantic Finance Company
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Mid-Atlantic Finance Company Reviews
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I sold some of my accounts to them. They have been extremely difficult for my former customers to make payments to them. They charge them fees to make payments. Whether it be a Credit card or money order. They only accept certain types. This was not explained to me when I sold them these accounts. I would never ever suggest a business to sell their accounts to them.
I was waiting to be connected to the Customer Service regarding a car loan which was to be taken out on a car. I had been telling them that I did not receive this vehicle. I was put on hold for over 15 minutes and the call jumped from number 4 to number 11 to number 1 back to number 12. What the **. It is ridiculous. Never did get through. I hung up after I was to be number 1 and they dropped me down to number 12.
Ok, so let's just start with how RUDE customer service is. My loan was sold to them unknowingly, and ever since then it's been a nightmare. I called recently to ask about making a payment arrangement (for $98) that would be paid within the next 7 days. I was rudely greeted by Carlos! He was such a smart **. I explained to him that I wouldn't be able to make my payment in full, due to the fact that I had JUST paid them $300 just 3 days ago (my total bill that I owed was originally 109, but because of "interest" they charged me late fees, and all these other fees totaling up to 300). Please keep in mind that my last 3 payment I paid an extra $100 on top of my current bill, so that it would put a dent in the owed amount. Again, I figured they wouldn't mind extending my remaining balance of $98 for 7 more days since I JUST made my payment 3 days ago.
When I explained to Carlos that I'd been making an effort to chew away the dent, and to allow me 7 more days, he kept cutting me off at least twice saying, "It's not extra... it's what you owe." So understandable, I asked to speak with a manager. He then went on to tell me "Why? She's just going to tell you the same thing I'm saying." To say the least, I was appalled! I went on again to explain to him that after just paying them a large lump-sum, and paying my other living expenses, that I just didn't have it, but will definitely pay the following days. Carlos then replied, "Your car is very important, isn't it?" So after a brief argument, (yes he went back and forth with me, debating the policy) I was FINALLY transferred to a manager who kindly allowed me to make a payment arrangement. I AM LOOKING TO REFINANCE ASAP!!!
It all started, My friend received a call from Mid Atlantic Finance Company to her cell phone, of course asking about me. Number one: I never gave this people her phone number, I once borrowed the phone from her to make a call. I believe that is how they got it. Second I called them in good Faith to see what they wanted a gentleman answered, took my information, placed me on hold for another rep to assist. He didn't bother to let me know he will place me on hold. I stood on hold for 15 minutes. Then finally got assisted from a rep by the name of Jose, extremely rude, after all didn't allow me to speak hung up the call on me, and all I was asking if a $15.00 late fee could be removed - I was making my final payment for my car loan. They don't work with you.
On top they will put late fees, on top of your loan. Then they are rude. I will be consulting an attorney to see what are my rights. When I asked them when my Titles for my car will arrive he said I will receiving it in 60 days. Since I was making my payments online, Then I explained to him why I would rather pay online then to speak with them. They are extremely rude and I'm not in mood to be arguing with them. I also have poor health, after tonight, I'm in critical condition after speaking with Jose!
I bought my car, 2000 ford mustang at a buy here pay here place. Never had any issues with them and if I was late on a payment I'd always call to let them know when I would pay which was always in that same month. A year later they sold my account to Mid-Atlantic finance and I've had nothing but problems since. The first issue was my first payment with them. A lady from there called to verify my info when I asked should I go ahead and make my upcoming payment with them or the dealership where I bought it. She advised me to pay the dealership one last time since everything was still in transition and from then on I should start paying midatlantic. Of course Mid-Atlantic didn't get that payment until about 2 weeks later and added a $10 late fee which to this day has yet to be removed, and this happened in March and it is now June.
Since then I've had horrible experiences with the customer reps and they are very condescending and rude. I've talked to maybe one nice person. The latest issue was that I was 1 month and 12 days late so I set up a post dated payment to come out of my checking account. The supervisor I spoke with also agreed to waive the $30 worth of late fees since I complained about the rude rep (and remember $10 of that was incorrect since I paid on time but the dealership sent over the payment late due to the transition). The payment never did come out and when I call I'm either on hold for several minutes or someone answers the phone and then it's disconnected.
When I check my account online the late fees are still there and it still says I owe $400. I'm just confused because they asked me for my bank acct info and read it back to me so I know that it's correct, and also I had to do some type of phone verification where they ask me if I agree for that amount to be taken out on a specific date, I replied yes. I sent an email and will try calling back again tomorrow. And I'm sure another late fee will be added and they will have no record of my previous conversation about setting up the payment. This company is just so backwards and I'm not sure how they are still in business. I'm seriously looking into having my car refinanced through another company or credit union or something.
My husband and I have an account with this company due to our truck payments. We fallen on hard time and have to make payments late but still pay in full. But every time they call they are rude. This last phone call that just happen within the last 5 min they told my husband and I quote "you should be less concern about talking to them and more worry about paying your payments." To me that's just rude and plain being a ughh I won't say the word but it's there. Now not only do we have to deal with making payments but we have to deal with them hiring people that are just downright rude.
Received many phone calls from 3 different phone numbers. Claim I had a debt for around $1100 with one credit card agency. Willing to settle for the original debt which was close to $550. I checked my credit report, this debt isn't on there or isn't on there any longer. I asked for proof of the debt. Never received. Claim they just received my account 3 weeks ago. Why did I never receive anything in the mail regarding this debt? I've lived here for many years. Blocked all of their numbers and filed a report with the consumer protection credit agency.
I still owe over $800 on this car that has not ran in months and will not pay it. I have told them several times that they can get it but they refuse. They have the most unprofessional reps ever... I actually enjoy cussing them out on a daily basis and outscreaming them. The company is a joke and I am making them mail me proof with my signature to show I owe them anything.
I purchased a car from a buy here pay company. Never missed a payment then for some reason my account was transferred to MAF. I had no knowledge of this transfer. Until one day I called to make a payment and the number I normally call is disconnected. So I drive up to the location where I bought the car - they are no longer there. No note no sign no call - no nothing. I have never received a letter or anything. I have no idea where to make the payment. About 10 months go by I get a call from my mom saying that a investigator was looking for me. I call and she stated she was hired by MAF. Now this is my first time ever hearing of this company. She said that she was trying to locate the car. I asked for information with the company. She gave me the number and they are located in Clear Water FL.
So I am thinking it's a scam. I called and had the worst customer service experience I have ever had. The lady told me that I was broke and should have never taken on a car note that I could never afford. (Her words.) WOW. When I brought my car it was for 7500. I was paying 340.00 monthly. I owned about 2200 before all this happen. I was on time. And great with my credit. She said that 4200 left due to late fees. I told her they can have the car and that they business is corrupt for what they are doing to people. I told them where the car was since I didn't drive it any more any way. Two days later the car gone. They said that they never took the car. This was in 2008. Right now they are still charging me for the car on my credit report and said that it is up to almost 8000 buck.
I have been making payments consistently and none of them are on my credit report or file at any of the credit bureaus. Be Careful.
Mid-Atlantic is a joke of a financing company...I have a 2006 ford focus...just got around june of 2014...Ever since then they have said they haven't received my payments...The first months were ok...but after september I started having problems with them..They have harassed me and my husband...We have faxed and faxed and faxed them proof of our bank statements and proved to them that they have taken their money out..but they keep saying they didn't...I have faxed it to 3 different managers...They keep calling everyday...harassing...calling...complaining...They are getting rich people...We think we are going to get a lawyer...
I see people on here having the same problems...them doing y'all the same way...It's horrible..First I was submitting my payment thru the bank then they say they wasn't getting it...Then they say they need a check..I send them a check...they send it back saying "insufficient funds" and I have 2,000 in the bank...Then they say money orders. My first money order they say they didn't get...now they say they got my last one..Both was sent to the same address...I think someone has no clue what they are doing...Someone needs to shut this company down....MID-ATLANTIC YOU SUCK...YOU NEED TO GET YOUR STUFF TOGETHER AND QUIT RIPPING PEOPLE OFF...
I purchased a truck from a buy here pay here lot and they sold my loan off to Mid Atlantic after a year and half. I had my payments set up on auto pay with the buy here pay here lot and never had a problem. I was behind half of one payment when they bought my loan. I contacted them to find out what I needed to do to catch the payment up (I was willing to make the payment). The girl who answered the phone was assigned my account and started going completely crazy on the phone telling me I couldn't afford the truck and they were coming to pick it up. I couldn't get a word in and she ended up hanging up on me. I am still confused as to why she was going nuts when I was trying to make the payment. I called back and got someone else and they told me how to make the payment. I sent the payment and now they say the payment was returned from the bank.
I called my bank and they faxed proof the payment cleared however the problem is the truck was repo’d last night and they still deny they have the funds. Of course legal action means paying for an attorney and let’s be honest, if I could afford that I wouldn't be going to a buy here pay here place. So now I am without truck and forced to call in to work since I don't have transportation. Oh and let me add now they say I have to pay repo fees and some misc. administrative charges that total 700 dollars.
Once again I live paycheck to paycheck and don't have 700 bucks sitting around to pay for something that shouldn't have took place to begin with. I don't know what my options are, I am looking into that now however I warn all consumers, do not deal with these people. Even if you're willing to pay and DO pay, they send out repo orders if they decide they don't like you that day of the week. I can't believe these people can legally operate like this. I'm completely and utterly disgusted.
Before I even begin this review, I will be more than happy to provide bank statement transactions and my payment booklet to prove I was not only on-time with all of my payments, but I paid them EARLY every 2 weeks. I made a payment this past Wednesday (12/31/2014) in my regular amount of $220.00. 01/09/2015 I went out to my car after work only to discover that they had DISABLED the ignition on my car via GPS! I tried calling Mid-Atlantic for 45 minutes but I would get stuck in an automated phone system loop after waiting on hold because no one would answer the phone. I tried calling several times with no luck.
I ended up having to take a TAXI home from work. After I got home I emailed Mid-Atlantic about the situation. This was their reply to me: "I contacted Passtime and they do not have anyone in the office today to assist me with getting you a signal, they should have this resolved on Monday for you. The device was not renewed by the dealership prior to selling to us, on Monday we will contact Passtime and work to get that renewed. I will contact you as soon as I have a signal avail to enable your device, and again I apologize for the inconvenience."
So in other words, I will be without a car this weekend and I will have to take a taxi to run errands and go to my appointments. Not only do I pay approximately $15 a day to use this car, but now I will have to pay for cab fare on top of it. I was EARLY (not late) on my payment and there is absolutely no justification for disabling my vehicle. Not only did I ever agree to allow my account to be transferred to this finance company, they won't let me make my payments by debit card unless I was to pay a $12.00 fee through MoneyGram. I never agreed to the new finance terms with this company.
I feel I was taken advantage of and used. I've been an excellent customer for well over a year, and in the end what I get is a device on my car to track my every move, and a car that won't work now because they never updated the GPS device. Shameful. My plan is to drive this vehicle through the front doors and into the showroom where I originally financed the car. Then I'm going to go to a reputable dealership and get a new car... and if they mention "Mid-Atlantic"--- ANYTHING I'm walking out the door.
I bought a car from a "buy here, pay here" place. When I bought the car, they messed up the paperwork about my payment said it was $375.00 when it should have been $325.00. I get it fixed with them (took couple of weeks, by the way). Had made payments on time for over a year. Since I get paid monthly, I always paid for the month ahead. Well in June of 2014, they sell my loan to Mid-Atlantic and boom, I'm 3 months late on my car payment out of the gate. So I go to place I bought car, get on a three-way call to get it all straighten out. I am told all is well, so I make a payment of $325.00. Next week, I'm called saying I still owed $900 more past due. Long story short, I have to pay $900.00 to get a car payment caught up that wasn't behind, plus they report that I was late on my credit. If I hadn't made that, they would have took my car that I just owed $2,500 on. I paid $7,800 for car total and just owed that. Don't think I was going to just give them my car.
Mid-Atlantic is by far the worst customer service imaginable. I called to report after 40 days the car I financed was inoperable and needed major repairs into the thousands (needs new transmission). Their response was, "Screw you pay me." They expect me to continue to pay for a car I do not even have anymore because I returned to the lot and they are refusing to repair.
Was told by Nicole I would get a extension if I made payment that day. I made the payment thinking the extension was done the following Monday. It was not, 2- weeks later my car was repoed at my job. I called and spoke to laffy in repo who did not know what she was doing. There was man voice lady in the background telling her what to say. Then the he/she Katherine came on the phone very, very rude and was not aware of what was going on. She lied and said if I didn't give the key they would get a flat bed..... but I was looking out the window and saw how they were already under the car releasing the brake to tow it. Not only that she did not tell me about the extra fees that I have to pay the tow company.... so I was quoted my two payments I was behind and also $300..... After I paid it and I met the towing company on the street at a gas station to get my car back I was told I had to pay additional 95.00... Can you believe that I have to pay an additional 95.00 to meet a towing company at a random gas station to get my car back.....
The towing company play games and claimed to be in the office when they're on their cell phones.... when you call the number it goes to their cell phone, they will try to rip you off and take your car to Tampa if your car was repoed from Orlando. The towing company they have is a rip off and very unprofessional. Also middle and it does not follow the Fair Debt Collection act even if you have a cease and desist on Fridays go call you. I've already advised them that they will be getting fine each time they call because I do record the calls.
So I started out at a buy here pay here lot right, was always on time with my payments. A year goes by and then one day they asked me why I was coming in. I asked what they meant. They told me my account had been sold by their bank to mid Atlantic finance. I didn't think much of it, brought two payments to them before they notified me, all the while MAF never made contact. I got their number and was going to check on how to set up auto pay. First thing I hear is that I was two payments behind... Really!! Ok fine whatever. I got the information I needed and then went to my bank to get the form they sent me by mail completed for auto pay.
I mailed it to them. It had everything they needed to set it up. I get back in the mail the very form they sent me along with info from my bank and a message requesting a very specific format from my bank.... I decided at that point they were incompetent and I would not be sending my personal info via snail mail to some random incompetent person on their end. I chose to pay online instead of dealing with their reps. It went smoothly up until the landscaping season ended and Missouri unemployment insurance decided they weren't going to pay out, few things on my end and my opinion that they make it very difficult to claim unemployment.
As soon as I have the money I go to make a payment online.... it's declined... have to speak with a rep... Great... I find out after you're late on a few payments that option becomes unavailable, yet they tell me they are trying to work with me... (Does that honestly sound like working with someone, disabling the one method of payment that has managed to be processed? I don't think so...) Nothing but nightmares and harassment calls. Seriously nobody needs that kind of stress and as of late I've been contacted by the repo man. It has fallen behind due to career change.
It's half paid off and the repairs prior to them even knowing about it included a transmission pan that was loose and dumped all the transmission fluid, radiator leak requiring new radiator, a crown nut falling off of a tie rod ended up buying a new tie rod (luckily I made it home before finding that out), had an incident at work where the dump truck rolled into the back of my blazer resulting in banged up tailgate and busted back window, the window being a $900 repair not to mention quadrupled insurance at that point. Now the first three were within the first month or so of me driving off the lot with the vehicle.
By all means If I wanted to be an ** I could have and probably should have went back to the dealer on the grounds of the no lemon law, I didn't. Instead, I made the repairs myself with the exception of the tailgate the window and the radiator which I didn't feel like messing with. Instead, my account gets sold to MAF... Funny thought, add IA to the end... MAFIA... Anyway, whatever... Since then I have fallen way behind and the only reason I'm speaking with them now they had one person out of all that I've spoke with actually turn out to be nice and know what the hell they're doing.
I was in the process of fixing everything and they realized it and promptly changed reps that I was dealing with. The one I'm dealing with now isn't completely rude but isn't necessarily nice either. She definitely has no problems threatening to send it upstairs to be processed for garnishment (I did get a little rude as I'm sick and frustrated of all their crap). So cannot wait to be finished with them. They will never have my business again nor the business of my friends or family. Quite honestly if I had the means I would put them out of business.
To me the company overall seems more like a big scam. That Blazer has been repossessed previous to my purchasing. I have it in my mind not to let it be repossessed again, by any means necessary. (Repo guys are nothing but con artists and thieves, the legal way for them to get their illegal thrills. Don't try and buddy buddy me. I'm not stupid.)
My loan was taken over by mid finance over a year ago. My old car company moved in with a smaller one. I made extra payments before this but no one seems to know where that $ is. As soon as mid finance took over they started calling me asking for a payment. I had paid with old company, as they promised that they would forward it to M F. After countless phone calls they finally admitted that they had received the payment. They are hard to deal with. I don't like this company and never will.
This is by far the worst company I have ever dealt with. They tend to advertise a pay off loan. I have called several times, they will answer and disconnect the call immediately. Most of the customer service agents I have spoke with are extremely rude. The company takes advantage of the people who have bad credit and cannot afford to purchase a car with a better finance company. I will NEVER and I repeat, NEVER buy a car that is financed through Mid-Atlantic Finance Company. Your customer service disgust me and everyone else. I have not seen one good review, which is bad for your company, but I'm sure that You as in a whole company does not care.
I bought a silver BMW from a dealer who I was under the impression that I would be having all my financial dealings with. As I left the car lot I couldn't even put gas in the car as the gas cover broke off in my hand. I had to take it back so they could replace it. I get a call a week or so later saying that my account has been given to Mid-Atlantic Finance Company. The trouble began immediately; they were calling threatening that I was behind on my payment. How could I be when I made the payment to the car company because my Mid-Atlantic account had not been set up properly yet? They harassed me for about a week until I had to go to the dealership and have them call and say they had the payment.
Within a month the car was breaking down. I was almost struck head on with my son in the car THREE times because the car stalled in an intersection or at a dangerous turn. I took the car to be assessed and repaired only to be told the car had been in an accident and that there was over $10,000 of repairs needed to be done on the car. I faxed all this information over to them. They basically told me they didn't care. They said I signed the agreement to take the car as is and that it was my problem. I still paid for the car and did repairs as best as I could. A few weeks ago the car broke down AGAIN.
I took it for repairs ($2000) but unfortunately wind up out of a job by that time and couldn't pay for it. I was expecting a loan to pay for it but that also fell through. I called them and was keeping them abreast of EVERYTHING that was taking place. I asked for assistance. I asked if by any chance they could help with the repairs and just add the amount to my loan, and I will continue paying as always or if they could offer some suggestions. They said they would look over my account. I was talking to a representative named Alexis.
I called and called and for a week could get no response. Eventually I talked to another representative to rudely told me it's not going to happen. So I told them go repossess their car. The representative said I would still be accountable for the remaining balance of the car. I was fine with that. I asked if I should call the repair dealership and let them know. She told me no, just clear my things out and they will take care of everything else.
Three weeks passed and I heard nothing from them. I assumed they had gotten the car. I call to get a letter to take to my insurance company and they tell me they haven’t taken the car because they can’t repossess it until I pay for the repairs and bring it home. HELLO... IF I COULD WE WOULD NOT BE TALKING ABOUT THIS. The arrears for the car have been building up but I have not received an overdue call in a month. WHY NOT? They are saying they see nothing in the system about the calls or conversations and they would need to talk to corporate... TALK TO CORPORATE. I will be getting a lawyer, they even threatened that the dealership will put a lien on my pay... are you KIDDING me? This company is the worst.
I feel I was taken advantage of by a person named Jeff. Who wouldn't give me his last name. I lost my job and missed a few payments but kept in contact with the company to keep them aware of my situation. Mind you too! I DID not ask for this company to take over my loan or to have my loan transferred out of state. This was done without my authorization. And when I asked not to be transferred to another company. I was told, "it's too late, that's just how it is?"
I was never late on a payment with my original finance company. In fact I was always a day or 2 early. Then I was switched to this MID atlantic finance and that's when all the problems began. For starters they never drafted the funds from my account when they told me they were, it was always a problem since day one. Second when making Jeff aware of my situation, he told me to make a double payment to keep the car out of being repoed which I DID make a double payment through money gram via cash. And told him I would not be able to make another payment for 2 weeks. He said, "ok ". Then the following Monday, I was called and was threatened that they would repo my car if I didn't make another payment. And that's when I truly seen what type of company this really is and its reps.
I feel they acted outrageously negligent and unprofessional. Please for your own protection no matter how badly you need financing. Do not use MID atlantic finance for any type of loan. As you will be treated like the rest of us. Just read the reviews, it does not take a brain surgeon to see they will end up ripping you off in the long run too. Be diligent.
We have a car financed with Mid-Atlantic and in the beginning of December we advised them that due to medical problems and other problems we were no longer able to afford the vehicle. We followed everything they requested so they could come and get the vehicle on a voluntary repo. We talked to our account manager Naomi and she has been extremely rude, mean, uncaring and at times threatening. In the last three weeks we have gotten phone calls from them but when we try to answer they hang up immediately. It appears that they just dial our number and hang up so they can say they called us. The vehicle had mechanical issues which are now fixed and after three months of non-payment they still have not picked up the vehicle.
I have never seen such rude customer service and deceptive practices by any company. They don't seem to understand that sometimes bad things happen. We currently do not have a vehicle due to our financial situation. We would just like them to come and get the vehicle, sell it according to their policy and we will deal with the money we owe the best we can. I have sent emails, left voice mails for Naomi but nothing is working. Everybody please do not do business with this company unless you want to be threatened and treated like dirt!!
I got this car on 07 Dec 13. Really loved the car. Now I can't pay the car note because every time I turn around I am spending money to make the car run. 403.00 wheel bearing, AC/HEAT 200.00, on and on on on on. They called my job 5 times in one day and I got in trouble!
Mid-Atlantic Finance Ripoff Bad Accounting and Bad Customer Service - Miami Florida. Purchased a vehicle on a Buy Here Pay Here due to low credit score. After a year making payments, Mid-Atlantic got in the picture by purchasing the loan from the dealer I had purchased my car from. It was a mission for them to finally credit our account on payments paid directly to the dealership during that was just the beginning. Sadly enough and undergoing major financial difficulties Mid-Atlantic Financial Repossessed my vehicle with a Past Due since 11-05 and final payment of $580. Out of the $580, I had made a payment on 12-13 of 250 dollars in which I received a confirmation for the payment.
However they came 4 days later of me making the $250 payment and took my car from my house and when I called, they told me that their system still had the $250 payment as pending and that they would have to reject it. I almost had a seizure!!! Can you imagine, because their system is slow posting who gets hurt is the consumer! Don't offer them to pay online system if You don't have the system... This is wrong... It has to be Illegal, the confirmation clearly states that it can take up to 48 hrs to be posted not 4 days. Anyhow to add to my pain, they charged me 910 dollars, never provided the repo company with the payment rls. This was on a Friday, place closed for the weekend and now the repo company is charging me over $200 for towing and storage charges... HOW CAN THIS COMPANY GET AWAY WITH THIS.. All I had to pay was $278 and now my bill is over a thousand.
Mid Atlantic bought my remaining payments, in September it didn't show my last payment I had made and I constantly called them and they would not listen. They said someone would call me back and they never did. I know for a fact how many payments I had left and they just argued with me that I owe that amount of money. I had 6 months left and I knew exactly when my last payment was due, so I know I was right, but after 3 months of fighting them I gave in to get it over with, then I read that they have done this to other people too!! I am so mad that they can get away with this.. Please investigate this company!!! I know I have rights here, but I don't know what to do!!
Why did these people buy my account? I'm a struggling single mother of three children and they won't even work with me! I explained to the account manager that I get paid this coming Thursday, and will pay the 2 payments that are past due. I was willing to pay the next 2 payments on Nov. 21st. If they can't work with me, then the manager would not hear of it. Beware! They do not give a damn about their clients!!!
I have to start by saying, I have dealt with a handful of kind, compassionate and seemingly intelligent account managers there. Three to be exact. Every time you try to call, you just never know what you are going to get. I have fallen behind on payments due to losing my job in May. I have been trying my best to keep up with payments, but living on unemployment or depending on the government in any way is needless to say aggravating. The money trickles in and abruptly stops and it is very frustrating.
Mid-Atlantic calls several times a day wanting me to commit to a payment arrangement. I cannot possibly do that when I have no idea when my money is coming.
Right now, due to government shut down, furloughs, sequesters, etc., I have not received any unemployment money for more than a month. They call constantly and do not let up or listen to anything you tell them. They demand immediate payment and threaten with repossession. I had a major repair done on the car just 5 months after purchase. It was $3800. Needed a new/rebuilt engine. The car is barely worth $5,300. I told them to come and get it, but the engine belongs to me so they can have it without the engine. I am so sick of this company. I wish they would come take it. Again, they can have the empty shell of a car; the engine is MINE as far as I am concerned. They really need to use better collection practices and train their employees to not be so RUDE and unreasonable.
I would never go through this company again. My whole loan was a hassle with them. They would let the payment I made sit in the bank and I would be charged late fees. I finally made my last payment online and called them to have my title sent to me. A few weeks later I was very surprised to see my car had been towed. It was repossessed because they refused the final payment online!! I called the next morning and was told I couldn't make the finally payment online. The final payment had to be made by MoneyGram!! I had no notice nor was I ever told this. I had to pay towing fees to both Mid-Atlantic and the tow company!! It cost me $700 extra!! I feel like I have been scammed somehow but at least I got my ride back. What a nightmare!!
I bought a vehicle from a local dealer back in October 2012. I had set up automatic payments with them since day 1. I was never late on a payment or missed a payment. Well, this dealer closed and sold my loan to Mid Atlantic Finance Co. Had I known this would happen, I would have never bought the car in the first place. Mid Atlantic Finance is the WORST finance company out there. Early June, I got three letters from Mid Atlantic Finance Co. It was a payment booklet, insurance verification and general info and disclosures. When I got my loan, I got it for 30 payments and the booklet was continuing in that sequence with my next payment being in June. Nothing changed which was okay. I was not happy that they charge $6 to make a payment online via ACH or you can mail in your payment which I find quite inconvenient.
Anyways, my payment was due on the 22nd so I decided to make my payment on the 21st which was a Friday authorizing for the payment plus their $6 fee. Next day, I logged in to check and it’s showing I still owe money. I called to check what was going on and the lady said that I was due for double the amount my payment was. She stated she was showing two payments coming in and that I should check back on Monday or Tuesday with them once the payment posted. I told her I had only submitted one payment which was what was due and also mentioned to her my loan had been sold to them and this was my first payment. She stated maybe the other payment was coming from the dealer I bought the car from. Anyways, her not being able to fully answer my questions and help me, which by the way she was a little rude, made me feel uncomfortable and knew something was wrong.
Today, I had the money for my payment deducted from my account for $306.26 (including $6 fee) and a second ACH for $300.26 which I only authorized for one which I owed. Now, my checking account is overdrawn and my bank charged me for the overdraft. I am very unhappy with their service and bad business practices. Taking money from your account without your consent is stealing. I will dispute the second ACH with my financial institution tomorrow and call Mid Atlantic Finance to see what is going on and what I can get resolved or if I can get some type of resolution from them. This company has very bad reviews online and it seems like they're a nightmare. I will try to refinance my loan with my Credit Union and try to stay away from this company.
I sold the contract to Mid-Atlantic about a year ago. They have been holding on to a bonus pool check since January 17. I have talked to a few gals there for the last 3 weeks and still no answers. What a rip off. Now when my customer owed them money, they called two and three times a day, sometimes even while working, to get their money. So this is what I did and, lo and behold, I still have no answer. What a company! If I were to run my business like this, I would not have been able to keep my doors open for the 12+ years. Just looking for answers!
The company stalked daily inside and outside consumers' homes violently, demanding keys and extra side jobs with exorbitant bills. They also stole, attempted to assault a person and file suit at them for injury. I moved and got out of there. However, they seem to view the consumers as their personal extra income or target of their personal anger only when they are not putting them down or laughing at them. There are a lot of elderly people there whom they regularly take advantage of and some elderly who get involved with them to take advantage of the other.
On November 4, 2009 around 4:21am Carolina towing came and towed my 2001 Chrysler PT Cruiser to Myrtle Beach, SC. The guy advised me to speak to my leinholder he was told to pickup vehicle. My payments was 2 payments behind. I advised a representative (she was a foreigner I believe she said her name is Bobbie) the week prior that I will have payments in on the 7th thats when I get paid. The representative (foreigner I believe her name is Bobbie) stated she will notetate my account but if payment wasn't received by Fri. October 30th she will have to give it to another depaartment. And again, I told her it will not be paid until the 7th when I get paid. So I woke up and the guy was pulling the vehicle. I called Mid Atlantic on Nov. 4, 2009 after 9am and spoke with SoKeya. She stated my vehicle behind 2 payments in order to get my vehicle back I will have to pay $1202.84. I said, maam my car note is around $389 and its only two payments behind my next payment due is Nov. 10th so why so much. She then stated $777.84 is what's due for the car and $425 for the towing. I said to SoKeya that is incorrect. Even when I was 4 payments behind it wasn't that high. I told her I refuse to pay $425 and my payments was 2 payments behind and I had already advise the representative it would be paid on the 7th. Then I realized that I didn't receive A-Right-2-Cure letter. So I advise SoKeya that a letter wasn't sent and to my knowledge they wasn't suppose to get the car without one being sent. I was then placed on hold for about 3 minutes. She came back to the phone and her phone disconnected me. I called back and was connected and I left her a message. Then I called right back she answered and stated she was talking to her Manager and she ask if she call me back. I stated sure. When she called back she ask if I could pay $777.84 today and I stated I could and she gave me moneygram info and advised me to call her when money is posted. My bestfriend made credit card payment. I then called SoKeys back and she told me to call Carolina towing in 20 minutes my vehicle would be available.
Mid-Atlantic Finance Company Company Information
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- Mid-Atlantic Finance Company
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