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 Co.

  515 N Sam Houston Parkway Houston, TX 77060

• 

  Mid Atlantic Finance Company Inc

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

• 

  Mid Atlantic Finance Company Inc

  PO Box 12139 Saint Petersburg, FL 33733-2139

• 

  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:04/23/2025

  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.

  I am disputing an invalid account reported by ******************** on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper validation, it must be deleted per federal law.

  Business Response

  Date: 04/25/2025

  We have reviewed the complaint and account of ****************************** claims the account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA) and requested a correction to her credit file. We have completed a review of the account for the 2014 Dodge Charger and have verified the trade line is reporting correctly to the major credit bureaus.  As such, there is no FCRA violation.  Mid Atlantic Finance also has a copy of Ms. ********* signed installment sales contract which serves as verification of the loan.  ************** would like to resolve the account, she is urged to call our ******************* at **************************.  

• Initial Complaint

  Date:04/23/2025

  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.

  Mid Atlantic keeps calling my business asking for a person who has not been a client since March 2023. I have called 2 times and have asked to please remove my business number as its not his. I have picked up the calls and said its not his and have asked someone to reach out as well which has not happened. This is not his t number and the last time I spoke with a person (*****) I did say I would be reporting them if I continue to receive these calls. I will also do with *** since we are on the do not call list. It is ridiculous that even after being notified that this is not that person number that they continue to harass my business. A simple ****** search or even a look at the website they would be able to see the number they call belongs to a business. At this point I am taking it as harassment. Have attached copy of the amount of calls we have received the month of April

  Business Response

  Date: 04/28/2025

  We have reviewed the complaint of Ms. ************** We apologize for the phone calls made to Ms. ******* after she notified us that we were dialing an incorrect number.  As requested, the incorrect phone number has been removed from the account, and we will not call her again. 

  Customer Answer

  Date: 04/29/2025

   
  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:04/15/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Violations of Consumer Rights under;The Fair Debt Collection Practices The Fair Credit Reporting Act Truth in Lending Act 15 U.S.C. 1601 - informed use of credit 15 U.S.C. 1605 - determination of finance charge 15 U.S.C. 1692c - Communication in connection to debt collection 15 U.S.C. 1692g - Validation of debt 18 U.S.C. 1951 - Interference with commerce by threats or violence.

  Business Response

  Date: 04/15/2025

  We have reviewed the complaint and account of ***********************   Mr. ********* has requested a cancellation of debt and transfer of the title.  There is currently an outstanding balance.  Titles are not released until the loan balance is satisfied.  Please note, Mid Atlantic Finance is not a debt collector, we are a first party creditor.  A copy of ************************ contract was emailed to him on April 15, 2025.  After reviewing the contract, if he still has additional questions about finance charges, or any other concerns, he is urged to call our Account ******************** Department at **************************.  

  Customer Answer

  Date: 04/17/2025

   
  Complaint: 23202259
  
  I am rejecting this response because: there has been MULTIPLE Consumer Rights Violations and there has been multiple attempts to try and remedy this contradictory issue. This company is NOT the first party creditor as I have in writing from multiple representatives and verbally informed by ****** Auto Sales Finance Manager a Ms. ****** that the account was SOLD to ************************************************* from ***************** Sales. You simply cannot purchase an Account and also be the original creditor. The COPY of Contract is ineligible and have multiple discrepancies with the account payments from both Mid-Atlantic and ****** Auto Sales. I was also told by another representative at the time of the last payment that the loan has been paid in full and that my title should be released. There is no reason for me to pay anything further.
  
  Sincerely,
  
  ***** *********

  Business Response

  Date: 04/21/2025

  We have reviewed the response from ***********************  Mr. ********* states there have been multiple consumer rights violations, but did not specifically state which consumer rights he feels have been violated.  Mr. ********* purchased a 2013 **** Explorer from ******** Auto Sales on September 6, 2024, and Mid Atlantic Finance bought the account from ******** Auto Sales in January 2025.  ******** Auto Sales is the original creditor as they are the entity that originally extended credit.  Mid Atlantic Finance is the first party creditor and as such, payments are made to us.  A review of ************************ account shows when he made his last payment on February 26, 2025, he called our office, and a representative confirmed the payment was pending, but did not tell Mr. ********* that his account was paid in full and title would be mailed. The title does not get released until the account is paid in full.  A clearer copy of ************************ contract will be mailed to him.  **************** has questions, he is urged to call our Account ******************** Department at **************************. 

  Customer Answer

  Date: 04/21/2025

   
  Complaint: 23202259
  
  I am rejecting this response because:I am if this company allegedly PURCHASED the account then provide the information I requested because as I stated previously there are multiple discrepancies between the information provided by Mid-Atlantic and Lovitts Auto Sales as far as payments, information in regards to the amount financed and accounting records. This company allegedly PURCHASED an account and has no proof that the account has not been paid in full but is continuously calling me to collect an invalidated debt which is boarding the line of harassment as well as violating my Consumer Rights;
  
  
  The Full Assignment Contract
  
  
  The amount of the Debt owed
  
  
  The name of the creditor to whom the debt is owed 
  
  The chain of custody & bill of sale
  
  
  The double sided accounting records
  
  Proof of a license to prove this ********************** is able to collect debt in the state of  ************** and proof that they are registered with the North Carolina Secretary of State.
  
  
  and the rights this company violated are as stated ;
  
  
  15 U.S.C. 1601-informed use of credit ;15 U.S.C. 1605-determination of finance charge;15 U.S.C. 1692c-communication in connection to debt collection;15 U.S.C. 1692g- validation of debts ;15 U.S.C. 6802-Obligations with respect to disclosures of personal information;15 U.S.C. 6803 - Disclosure of institution privacy policy;15 U.S.C. 1611 - criminal liability for willful and knowing violation;15 U.S.C. 1692k - civil liability 
  
  Sincerely,
  
  ***** *********

• Initial Complaint

  Date:04/09/2025

  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.

  My name is *********** *********, and I am writing to file a formal complaint regarding the purchase of my vehicle, a 2015 Kia ***** LX, which I bought in December 2023 from Freedom Car Sales in *******, *******. The vehicle was financed under the "Buy Here Pay Here" option with a down payment of $3,500 and monthly payments of $316. Since the purchase, I have made all payments on time via ***** to the accounts provided by the dealer.However, I was not informed that my account had been transferred to MidAtlantic Finance Company. On September 24, 2024, I was notified by the dealer that my account would be subject to repurchase, but I never received any formal communication. On September 25, I paid off the remaining balance of $3,172.99 to Freedom Car Sales, who were supposed to forward the payment to the financing ************************* of April 2025, I have not received the title of my vehicle or any receipt for the payment. Despite multiple attempts to contact both the dealer and the financing company, I have received no response or resolution. Furthermore, my credit has been negatively impacted, as my account is still reported as delinquent.Although I no longer reside in *******, the transaction took place there, and therefore I am submitting this complaint to the ******************************************************* (FLHSMV) and the *********************************I am attaching proof of all payments made.Sincerely,*********** *********

  Business Response

  Date: 04/21/2025

  We have reviewed the complaint and account of Mr. **************** We apologize for the inconvenience and lack of communication with having the payments made to Freedom Car Sales posted to the account with ***************************** The payments totaling $3,172.99 that were made to Freedom Car Sales in September 2024 have now been applied to the account with ***************************** We will also submit an update to the credit bureaus reporting all payments on time.  

  The welcome package mailed to Mr. ********* introducing Mid Atlantic Finance, along with a payment booklet was returned as unable to forward.  We have since updated the account with the new address and another welcome package will be mailed.  

  As of this time, the account has not been repurchased by Freedom Car Sales.  The account, however, still has a balance remaining.  **************** would like to discuss the balance, he is urged to call our Account ******************** Department at ********************************* 

   

  Customer Answer

  Date: 05/01/2025

  Dear Better Business Bureau,
  I am writing to provide an update and formally close my complaint regarding the account I had with **********************, associated with Freedom Car Sales.

  
  I have now communicated directly with Mid Atlantic Finance, resolved the outstanding balance, and my account has been closed. I am currently awaiting the delivery of the vehicle title, which they confirmed will be mailed to my updated address.

  
  I am satisfied with this resolution; however, I would like to note that my credit report still reflects the previous delinquency. As mentioned in Mid Atlantics response, they committed to submitting updated information to the credit bureaus showing all payments as on time.
  For peace of mind, I kindly request written confirmation from Mid Atlantic Finance that this correction has been submitted to the credit reporting agencies and that my account will reflect as paid in full and closed in good standing.

  
  Thank you, BBB, for your assistance and mediation throughout this process.
  Sincerely,
  *********** *********

  
  

• Initial Complaint

  Date:04/01/2025

  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.

  On 03/25/2025 MID ATLANTIC FINANCE put on my CREDIT REPORT an INQUIRY which will not be removed until 04/2027. I, ******* D. ****** did not inquire anything from this company. I called this company, and they had no records of me applying for any type of inquiry from them. I told the representative what had happen and i was given an EMAIL to file a complaint, this was done after i had explained to him (Mr. **** was his name the representative that i talked to. All i wanted is for this inquiry REMOVED OFF MY CREDIT REPORT THAT I DID NOT MAKE. Now I'm filing a complaint to have this REMOVED OFF OF MY CREDIT REPORT, by MID ATLANTIC FINANCE.

  Business Response

  Date: 04/02/2025

  We have reviewed the complaint of Mr. ************* The credit inquiry on March 25, 2025, Mr. ****** questioned is for an application that was submitted for a 2013 ************* S-Class at Road Masters.  The application is currently under review.  Mr. ****** stated he spoke to a Mid Atlantic Finance representative named Mr. ********** We have no representative with that name.  ************* would like to have an update on his application, he is urged to contact Road Masters.  

  Customer Answer

  Date: 04/03/2025

   
  Complaint: 23135583
  
  I am rejecting this response because: As i stated in my formal complaint, I did not inquire anything from MID ATLANTIC FINANCE COMPANY. Also, i did talk with a Mr. ***** he told me that were his name, The number i talk with from was *************) and or *************) at *********************** ******************************************************. He is the one who gave me the online email address (**************************************************************) to communicate for filing my company. I'm asking for MID ATLANTIC FINANCE *** to remove this inquiry dated 03.25.2025 that shows up on my credit reports. THAT I DID NOT MAKE. If anyone need to check with ROAD MASTERS (whoever that is) it should be them Mid Atlantic Finance Co.  They are the one telling me to check with this person/company. I don't know who they are. All I'm requesting is for MID ATLANTIC FINANCE *** is to REMOVE THI INQUIRY from my CREDIT REPORT, Sense it shows their COMPANY NAME WHO PUT THIS INQUIRY ON MY CREDIT REPORT and WILL NOT BE REMOVED UNTIL April 2027.
  
  Sincerely,
  
  ******* ******

• Initial Complaint

  Date:03/26/2025

  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.

  **Complaint Statement:**I am disputing an invalid account reported by ***************************** Name]** on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper validation, it must be deleted per federal law.

  Business Response

  Date: 04/04/2025

  We have reviewed the complaint and account of ****************************** has requested a validation of his account and a correction to his credit file.  The account has been validated, and we have confirmed the account is reporting correctly to the major credit bureaus.  ************** would like to settle his account with ********************** he is urged to call our ******************* at ************ to discuss all options available at this time. 

• Initial Complaint

  Date:03/25/2025

  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.

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed ************** Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business Response

  Date: 03/26/2025

  We have verified ******* ******* account and provided a copy of her contract as requested, which has been attached and mailed to Ms. ******* Additionally, we have confirmed the accuracy of her credit reporting and identified an error in the charge-off month published by a credit bureau. A correction has been submitted, and the update may take up to 90 days to reflect.
  
  

• Initial Complaint

  Date:03/18/2025

  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.

  To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. ********************** AUTO - ******************** - $0 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business Response

  Date: 04/02/2025

  We have reviewed the complaint and account of Ms. *********** The account was settled in November *************************************** **** on December 28,2022.  The title was mailed to Car Max on December 28, 2022.  No additional documents are require to be submitted to Ms. *********** We have verified that the trade line is reporting correctly on Transunion, Equifax, and Experian.  *********** would like to discuss specific details of the account, she is urged to call our Account ******************** Department at ********************************* 

• Initial Complaint

  Date:02/20/2025

  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.

  I purchased a car from **** car dealership in ****** **** in March of 2024. I always paid in cash at the dealership. When I called the dealership about my Oct payment I was given the number to Mid Atlantic finance. I never received any documentation from either business about this transfer. I made my Oct payment and each payment after to current on time to mid Atlantic finance. However, since October they have had me in there system as late telling me I was suppose to pay them several months before which I didn't know anything about and was making my payments on time to the dealership. I have submitted receipts of those payments to Mid Atlantic and I have tried myself to rectify the situation between the two companies just to go nowhere. I am treated rudely by this finance company when I call in and I am harassed with late calls and have to argue with there employees when I have never been late. I did not want to be with a finance company that is why I purchased the vehicle at moms where made my payments in person.

  Business Response

  Date: 02/27/2025

  We have reviewed the complaint and account of Ms. ******** Ms. ******* purchased a 2008 ***** CX-7 from Mom's Used Cars on March *******, and Mid Atlantic Finance purchased the account from ***'s Used Cars in August 2024. Our repeated attempts to communicate with Ms. ******* to introduce ourselves were unsuccessful until we made contact with her on October 1, 2024.  During this conversation, we explained that Mid Atlantic Finance purchased her account from Mom's Used Cars.  Ms. ******* informed us of a payment made to Mom's Used Cars that had not been forwarded to us.  She forwarded us the receipt for the payment, and it has now been applied to her account. We apologize for the inconvenience , and we have confirmed that all payments were reported on time to the credit bureaus.  Ms. ******* also requested a refund. At this time the account is still open with an outstanding balance so no refund would be due to Ms. ********  As Ms. ******* requested, she will no longer be receiving phone calls from us, but correspondence through the **************************** will continue.  ************** has additional questions, she is urged to call our Account ******************** Department at **************************. 

• Initial Complaint

  Date:02/20/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Mid Atlantic Finance Company, I do not have a contract with MAF AUTO. They did not provide me with the original contract as i requested. 15 U.S.C. 1681 (Fair Credit Reporting Act) regulates credit reporting and ensures consumer rights to dispute inaccurate credit report information. For debt validation, it falls under 15 U.S.C. 1692 (Fair Debt Collection Practices Act), which requires debt collectors to: 1. Provide written notice of the debt within 5 days of contact. 2. Cease collection if the debt is disputed within 30 days until verification is provided. Both laws protect consumers from inaccurate reporting and unfair debt collection practices.

  Business Response

  Date: 02/21/2025

  We have reviewed the complaint and account of Mr. ******* Mr. ****** bought a 2010 Mercedes E-Class from Emany Auto Sales on August 16, 2022, and Mid Atlantic Finance bought the account from ********** Sales in April 2023. Mr. ****** requested a correction to his credit file. Mid Atlantic Finance has fully verified the account and confirmed it is reporting correctly to the major credit bureaus and no correction is required. Although we have not received a request for a contract copy prior to this complaint, one will be mailed today to the address in the complaint, which is also a match to Mr. ******** account.  ************* would like to resolve his account, he is urged to call our ******************* at ***************************