Complaints

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:03/27/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Hello Everyone this is ******* Jean ***** now Everyone since I've gotten this truck from **************** ****************************************** ************* the check engine light comes a week after I driven off the lot now remind you I ******************* about this truck having this issue also I had a certified diesel mechanic ******* it as well no I did. My due diligence. 2 issue this with mister ***** wish he fixed a couple of things on it. Didn't really fixed engine light because. I told him about it in. He just never really wanted to take care of it. So at this point, I'm thinking about bringing Detroit back to Mr *****. Because I spent $15000 of maintenance on this truck. It doesn't make sense. That I spent all this money now and I've been dealing with the same issue ever since. And the only reason because I thought that **************** can help me with the situation of this truck I only had this over In months Please reach out

  

  Business Response

  Date: 03/28/2025

  We appreciate the opportunity to respond to Mr. **** ***** complaint regarding his experience with the above-referenced truck and loan agreement.

  
  Maxim Commercial Capital provided financing to ******* JEAN *****, with the contract signed in March 23rd, 2024 for the purchase of a 2019 Kenworth T680, VIN: *****************. The dealership referenced in ******************* is not affiliated with Maxim, and we did not participate in the sale, inspection, or delivery of the vehicle.
  

  Mr. ***** states that the truck presented mechanical issues, including a persistent check engine light and several repairs shortly after delivery. While we empathize with his frustration, mechanical concerns are a matter between the customer and the selling dealership. All of our contracts clearly state that vehicles are FINANCED AS IS WHERE IS WITH ALL FAULTS... (Section 3, EFA TR11788), and all our debtors agree to "Maintain the Collateral, at Debtor's expense, in good working order, repair and condition..." (Section 3, EFA TR11788).
  

  It is our understanding, based on customer emails and calls, that Mr. ***** attempted to work with the dealership and spent a reported $15,000 in maintenance. We were not provided receipts validating the full amount, but partial documentation was submitted and reviewed.
  

  Despite the issues reported with the vehicle, Maxim made every effort to assist the customer:
  - Offered a two-month deferment, contingent upon a payment and receipt of updated insurance, bank statements, and repair documentation.
  - Accepted partial payments in good faith, despite several broken payment arrangements and one non-sufficient funds (NSF) payment on the very first installment.
  - Repeatedly advised the customer to take the vehicle to a Paccar-certified repair center for diagnosis and provided flexibility for coordination with the repair shop.
  - Attempted to help the customer avoid repossession by discussing settlement options and repair timelines.
  

  Unfortunately, Mr. ***** was unable to bring the account current, missed multiple commitments, and failed to provide updated insurance documentation. The unit became severely delinquent, and the vehicle was ultimately repossessed on 10/29/2024
  

  It is important to note that Maxim Commercial Capital is not responsible for the truck's mechanical condition. Our role is limited to financing, and the loan contractwhich was signed by Mr. ************ outlines borrower responsibilities. The complaint appears to center on the dealerships actions. We encourage Mr. ***** to resolve those concerns directly with the selling dealer.
  
  Conclusion
  Maxim acted in good faith, provided multiple accommodations, and remained communicative throughout. We regret the customer's dissatisfaction with the truck, but our financing agreement was honored according to standard practice.

  
  Please let us know if further documentation is required.

• Initial Complaint

  Date:03/13/2025

  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 want to inform you that this company is charging me an interest rate that is too high, exceeding the usury rate allowed in *****************, on my credit for a truck. This rate is *****%, which was never mentioned in my contract. I realize that because I lost my truck in Hurricane ****** in ************** last September 2024, instead of helping me, they accelerated my credit for a total payment of three times more than what was borrowed, taking into account that even though my truck was under repair, I was trying to solve this loss because the insurance did not respond to me, they did not help and I continued paying the monthly payments. Right now they are telling me that the interest rate is *****% and I was never notified and it is not specified in the contract either. Many think they are helping but it is not like that, because even when I spoke with several people notifying them of my problem and requesting help, they threatened to take my house away and act in an irregular manner.

  

  Business Response

  Date: 03/18/2025

  Mr. ****************** a commercial finance company specializing in non-prime credit, our rates are structured based on risk factors such as credit history, financial profile, and collateral value. When you signed our financial agreement, the contract clearly outlined the number of payments and payment amounts. These terms were agreed upon before funding, ensuring transparency in the financing arrangement.
  
  Regarding your claim that we provided no assistance, we respectfully disagree. Our records indicate that we have extended significant support, including a due date change request in March 2024 and a two-month deferment in December 2024. This deferment was granted after you informed us on October 3, 2024, about the impact of Hurricane ****** on your situation.
  
  We continued to provide excellent service to you account despite the following:

  1) You repeatedly failed to meet contractual obligations, including multiple missed payments and NSF returns on 10/30/2024, 11/1/2024, 11/19/2024, and 12/2/2024.

  2) Despite being approved for a deferment, you failed to sign the necessary documents between 1/22/2025 and 2/10/2025, leading to a notice of default and acceleration of balance issued on 1/30/2025 for $39,010.33.

  3) You also failed to maintain the required insurance, canceling your Progressive policy on 10/3/2024 without notifying the lender, and later admitted your new insurer did not provide physical damage coverage.

  4) Additionally, you provided conflicting statements about the trucks condition, first claiming hurricane damage caused a total loss in October 2024, then stating it was repairable by 10/28/2024 but failing to provide proof.

  To this day, we continue to service your account given your ongoing non-cooperation. We remain committed to providing you with the same dedicated service and support that we have upheld to this day.
  
  
  Thank you,
  
  
  ****** ******** *****

  Collection Manager

   Maxim Commercial Capital, LLC

   Direct: **************

   Main: *******************

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

  
  

• Initial Complaint

  Date:02/15/2024

  Type:Order 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.

  Hi this company is a total fraud they wanted me to pay my first month note on a truck that I didn't request and couldn't drive then didn't even want to admened the date of the swap truck they tried to swap it out for That I never received I paid for the first month of ******** and they cancelled they contract and won't refund me my money until I sing a bogus settlement if they cancelled the fiance which they breach of contract with out any writing notice without me singing anything then my money should be refunded with out me singing anything please BBB look into this fraudulent company ********************* ******************************** Is a very rude individual and think he's racist and doesn't not know how to conduct business and is a fraud and should be fired and license suspended from doing any business and this company needs to pay for my truck insurance since they cancelled my commercial fiance. I paid for the truck insurance on December the 20th 2023 and January 2024 they cancelled my commercial fiance in February 4 2024 shouldn't they pay me for my down payment and January payment I paid on my insurance since they told me the insurance was mandatory on the truck plus refund me my monthly note I paid of ******** as well and will notify fox 2 news to put you in the hall of Shame

  

  Business Response

  Date: 02/18/2024

  ****************** funds were returned to him on 2/14/2024. He has agreed to remove this complaint.

  Customer Answer

  Date: 02/29/2024

   
  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.
  
  Sincerely,
  
  ***********************

  Hi yes please close this case with maxmi commercial has settled this case and remove they  gave me my refund thank you 

• Initial Complaint

  Date:07/25/2023

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I reached out to file a complaint in regards to an employee and have been given a fake email and promises that management *** would reach out. That didnt happen then asking for someone above *** and was told the ** would be calling after meeting and nothing. This has went on for months and Im tired. How do you file a complaint if you cant get a response from management nor proper email.

  

  Business Response

  Date: 07/26/2023

  I reached out to ****************** and we discussed his concerns. Maxim apologizes for any inappropriate communication. We are committed to treating all customers with the respect they deserve, Maxim offered to defer two monthly payments to assist ***************** to get back on track. ***************** said he was satisfied with this result and he will update the status of this BBB complaint.

  Customer Answer

  Date: 08/07/2023

  Complaint ID # ******** was resolved in a timely manner and company went above and beyond in which Im grateful and completely satisfied. I am asking for complaint to be removed and non published. These are the steps that was advised to me take by customer service for which to ensure no negative feedback goes against Maxim Commercial Financial. I would like a email response please that the matter is closed and goes unpublished or removed. Thank you for your understanding and assistance. *****************************.
  
  Sent from my iPhone

• Initial Complaint

  Date:08/10/2022

  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.

  They took my money but repossessed my truck anyway when I was current

  

  Business Response

  Date: 08/31/2022

  Business Response /* (1000, 5, 2022/08/17) */ Contact Name and Title:***************** Contact Phone:************* Contact Email: *************** August 17, 2022 RE: *** Case #******* Equipment Finance Agreement No.*************** Account No. ******** Account Status: In Default, Asset Repossessed Debtor: ************************* Creditor: Maxim Commercial Capital, LLC Collateral: ****************************** This *** commenced on 4/15/2020. On 5/28/2020, Maxim received a Notice of Seizure from the U.S. Border Patrol. The ************************** was seized ************* due to unlawful transportation of undocumented individuals. Maxim's security interest in the asset was subject to forfeiture. This was an event of default under Mr. *************'s *** contract. Mr. ************* explained that this was his driver's fault and he promised to fire the driver. We worked with Mr. ************* and his attorney to regain possession of the truck for Mr. *************, and we gave Mr. ************* a second chance to perform under the *** contract with Maxim. The first monthly payment under Mr. *************' *** fell due on May 15, 2020. Mr. ************* bounced this first monthly *** payment to Maxim. All subsequent monthly payments he made to Maxim have also been received late. Since the contract term began, Maxim collectors have placed numerous phone calls to Mr. ************* to collect past due payments, resulting in 10 pages of collection notes. In many of these cases, Mr. ************* promised to pay his delinquent monthly payments by a certain date, but then he failed to make those payments as promised. By 8/4/2022, Mr. *************' account was 51 days past due. Mr. ************* had not paid the June and the July monthly payments, and the August payment would be due in a few days, on 8/15/2022. The account was also past due for $2,917.08 in fees that Mr. ************* incurred since the start of the term (mostly late fees). And we did not have his required proof of insurance to cover physical damage on the collateral. The most recent Certificate of Insurance had expired 1/11/2022. We had advised Mr. ************* that, to avoid a repossession of the collateral, he would have to pay $5,858.16 to bring his account completely current by the end of the business day 8/4/2022. Mr. ****** tried to pay with a credit card, but it was declined for the $5,858.16 amount. The card was approved for a smaller amount of $2,941.08 and Mr. ************* promised to call Maxim back before the end of the business day to pay the shortfall of $2,917.08 or to otherwise promptly notify us that the payment had been made in a different manner. Maxim did not receive another a phone call or payment from Mr. ************* on 8/4/2022. The next day on 8/5/2022, Mr. ************* initiated a payment of $2,917.08 though the Maxim customer online portal. His credit card was approved for that payment. The transaction's effective date was 8/5/2022, a day late. Even so. when we learned that Mr. ************* had made the payment, we promptly called our repo agent to suspend the repo order. However, our agent informed us that the truck had already been repossessed by that time. The screen shots provided by Mr. ************* for this *** complaint are not dated, but we know they do not reflect the account status on 8/4/2022. They show the account status after Mr. ************* paid $2,917.08 on 8/5/2022, and the truck was repossessed. As is our policy at Maxim, after the repossession, we sent a demand letter to Mr. ************* requesting payment of the full accelerated account balance of $30,756 due by 8/22/2022. The amount includes expenses we incurred in connection with the repossession. To facilitate the resolution of Mr. *************' *** complaint, Maxim will agree to lower this amount to $25,835.20, due by 8/22/2022, provided that no payments ever received by Maxim from Mr. ************* are disputed, reversed, charged-back or in any way invalidated. -*********************************************************************