Complaints

This profile includes complaints for Midflorida Financing, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

close

Find a Location

Midflorida Financing, LLC has 2 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Midflorida Financing, LLC

  1200 W Memorial Blvd Lakeland, FL 33815-1227

• 

  Midflorida Financing, LLC

  2925 Mall Hill Dr Lakeland, FL 33810-6716

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:04/11/2025

  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.

  4/4 my car was towed by commtow. Same day spoke with mid Floridas customer service and spoke with the recovery team. Was reassured that my car wasnt towed due to a small balance I had $82. Was told if I couldnt get the car back by Monday 4/7 they would go get it. I thought everything would be ok. 4/8 I spoke with mid Florida finance to figure out the procedure to get my car back. Not once did anyone say my car wasnt towed due repod. I was dealing with ******** at first. She informed me that I had to pay $1098 to get my car back. Where ******* had the price at $677 which I was ok with. That as a whole was a red flag as a whole. I will be reaching out to my lawyer about this whole situation and also commtow. At the end of everything I was asking for my towing information due to my job requiring proof that my car was towed. They didnt want to give that information. But they sent me a letter stating that my car was repossessed. When it shouldnt have never been. Let alone if you tell someone they have x amount of days to pay to get their car back but not even 2 days later all my belongings was taken out & off the car. The lady I spoke with stated that they do that in thought that you wouldnt be able to pay to get the car back. When its noted in the account multiple times that Ill be getting the car back by next week 4/9. Them doing this has caused so much emotional stress and had me lose money all for them to charge me $1098 and then have to travel to LAKELAND to retrieve my BELONGINGS THAT SHOULDNT HAVE NEVER BEEN TAKEN OUT/OFF IN THE FIRST PLACE. DEFINITELY CON BEHAVOIR. They are a low down dirty company. I dont have anything showing the proof other than my job stating that I need to show proof that my car was towed 4/4.

  Business Response

  Date: 04/14/2025

  Thank you for bringing this to our attention: We appreciate the opportunity to address any concerns: We received noticed that your car was impound for improperly parked on 4/4/2025. The fees were set from the impound yard ****************; : NEXT DAY PICK UP: 4/4/2025 $479.10 4/7/2025 $675.40
  BREAK DOWN: $147 TOW FEE4 DAYS $120, $30/DAY STORAGE FEE$8.40 SALES TAX ON STORAGE$50 MILEAGE FEE$60 ADMIN FEE$40 PROCESSING FEE$250 LIEN RELEASE FEE. We called you to see if you would be picking it up due to daily storage from the impound lot, we informed you if you were not able to get it by Monday that we would pick it up. The agent that picked up your car is required to remove your belongings. It looks like you have redeemed your car and your account is in good standings with us.  
  
  

• Initial Complaint

  Date:04/05/2025

  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 filing this complaint because MIDFLORIDA Financing continues to report an account on my credit report as a repossession, even though the vehicle was returned and the account was fully resolved via collateral recovery in 2018. The balance has been $0 for years, and no payments have been due since.Despite this, they continue to report R (repossession) codes monthly, including recently in 2022, which misrepresents the current and historical status of the account. This is misleading, inaccurate, and has negatively impacted my credit profile for years after the debt was satisfied.Additionally, there are inconsistencies across credit bureaus: ******* reports the status update as October 2022, while Experian shows August 2021. If the account is closed and resolved, it should not be actively updated or reporting derogatory information.Ive already attempted to dispute this with the credit bureaus, but the issue has not been corrected. I am requesting that MIDFLORIDA correct the credit reporting to reflect that the account is paid, closed, and settled and remove any ongoing negative remarks or history beyond the resolution date. If that is not possible, the account should be removed from my credit reports entirely.Thank you for your help.

  Business Response

  Date: 04/07/2025

  Thank you for bringing this to our attention: We appreciate the opportunity to address any concerns: Your account was repossessed in June of 2018 for non-payment. We accepted the collateral back and showed zero due. The account will still report as a repossession on your credit report. 

• Initial Complaint

  Date:03/31/2025

  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 disputing an invalid account on my credit report this account is inaccurate unverified and violate the fair credit reporting act. Since it does not meet the legal standards for reporting, I request immediate removal. If the furniture cannot provide proper validation, it must be deleted per federal law

  Business Response

  Date: 04/07/2025

  Thank you for bringing this to our attention: We appreciate the opportunity to address any concerns: Your account was placed out for repossession for non-payment on 12/26/2022. We sent you a 10-day NOI letter, but you were financially unable to redeem. 

• Initial Complaint

  Date:03/30/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  MIDFLORIDA FINANCING LLC Report my car last year as two repo I never had my car repo the 1st time and made the payment . Second time the car was actually repo and never deem . They report my credit file as two repo and sent the car to auction where the car is paid in full, Im asking them to remove this off my three credit report cause this is not accurate FCRA . I requested 1099c and also sent in pay for deletion and they never responded back to me on paid deletion. Im willing to go to court cause I was never giving the option to redeem my car after repo and my stuff was still in there .

  Business Response

  Date: 04/16/2025

  Thank you for bringing this to our attention: We appreciate the opportunity to address any concerns: in reviewing the credit report we are only reporting it one time. Our records show is as reporting paid repo /63/paid by collateral/closed account. 

• Initial Complaint

  Date:01/14/2025

  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.

  Dear *********** am writing to dispute an erroneous account listed on my credit report. I recently reviewed my credit report and found an account that was opened in my name without my permission. The account is with MIDFLORIDA FINANCING L, opened on October 14, 2024, with the account number ************** account is NOT mine, and I have never authorized its creation. As I am a victim of identity theft, I request that you immediately investigate this account and take the necessary steps to remove it from my credit report.I expect that this fraudulent account will be thoroughly investigated and removed from my credit report as soon as possible.

  Business Response

  Date: 01/14/2025

  Thank you for bringing this to our attention: We appreciate the opportunity to address any concerns: Based off of our records which includes your driver license, Proof or your social security benefits, your insurance, your paycheck stub, your down payment (debit verified by pin) and authorizing your payments out of your bank account are validating the debt.

• Initial Complaint

  Date:12/16/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt from ********************************** LLC. I do not have a contract with *************************, they did not provide me with the original contract as I requested.

  Business Response

  Date: 12/17/2024

  Thank you for bringing this to our attention: We appreciate the opportunity to address any concerns:  Please see the attached signed contract. 

• Initial Complaint

  Date:12/05/2024

  Type:Product 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 bought a van at ******* and *********** Financing in December 2022. I've never been more than 7 days late on a scheduled bi weekly payment. Sometimes I have to make it the following week. They call and harass my wife and me daily several times a day until its made. They even call my employer and past employers. I gave them my debit card one time to hold until my payday and they took it out 2 days early after our agreement we had made. I've wrote a terrible review and they replied I'm in good standing with them but for some reason they still keep harrasing us. Is this illegal? I'll keep making my payments but just want the harrasment to stop.

  Business Response

  Date: 12/16/2024

  Hi, 

  I reviewed your attached documents where I responded before. We do reach out to our customers when they are 1 day past due. If you are running into a delay on your payments, please reach out to us. We have options that could help you. Our goal is not to harass you, we would like an open communication with you. We are here to help and assist you throughout your loan. 

  Customer Answer

  Date: 12/18/2024

  Let me tell you about the kind of help they offer. They take your card number and then try to take out your payment 2 days before your payday and what you agreed on when you gave it to them. Thats just bad business, but I get it, thats what they are good at. I can get the bank to send me the attempted transaction if needed. Also, when a little twit is on the phone asking me why I dont have the money, I dont know how that helps anyone and I dont need some little kid ridiculing me over the phone, especially as non essential as they are. Ill continue to make my payments when I can as long as Im not more than a week behind. They must not have anything better (essential) to do. I dont need to talk to them about anything. If they want to come yank it up, be my guest. *******

  Customer Answer

  Date: 12/18/2024

   
  Complaint: 22644564
  
  I am rejecting this response because:
  They are full of crap! They know what they are doing and its funny how since Ive sent you guys a complaint they havent been calling ever hour on the hour. Im making my payment tomorrow fyibut was a week behind again last week due to buying Christmas for my kids.  
  Sincerely,
  
  ******* *******

  Business Response

  Date: 12/19/2024

  We do contact our customers at 1 day past due. I see that you are 6 days past due and have an arrangement for tomorrow. If you need a due date change to match your pay dates please let me know. Thank you 

• Initial Complaint

  Date:12/05/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not responsible for the debt claimed by MIDFLORIDA FINANCING L. I have no contract with MIDFLORIDA FINANCING L, and they have not provided the original agreement as requested.

  Business Response

  Date: 12/11/2024

  Thank you for bringing this to our attention: We appreciate the opportunity to address any concerns:  Please see the attached signed contract and your credit application. 
  
  

• Initial Complaint

  Date:11/14/2024

  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.

  The bank located in *************, ** on ************ is constantly hiring new employees that do not know what they are doing. I've been going to the bank and paying my loan with my debit card and paying a $5 fee for paying with my debit card for 2yrs now. Now I am told by new tellers that they will also charge me 18% to do this. Even though I was just there last week and paid the same way with no issues. They always have new tellers and new employees that are not properly trained. This is ridiculous that depending on the teller, I won't know what kind of service I am going to get.

  Business Response

  Date: 11/15/2024

  I believe this complaint is directed to the wrong company. We are not a bank and do not have a location in ******************;  I am not seeing a customer with this name. Please direct the complaint to the correct company. Thank you 

• Initial Complaint

  Date:10/07/2024

  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.

  After repossessing my car, this lender was supposed to notify me in writing within 45 days. A notice to detail my rights to redeem or recover the vehicle. Redemption or Sale: I have the right to redeem my vehicle by paying the full loan amount, any late fees, and towing/storage charges. I never received this letter. They put it as paid in collateral but I never agreed to give anything in collateral. I was taken advantage of in the situation. I want this account removed off of my credit immediately! I dont want to negotiate or anymore prolonging this process! Im demanding that you Remove this account immediately due to my rights being violated.

  Business Response

  Date: 11/13/2024

  Thank you for bringing this to our attention: We appreciate the opportunity to address any concerns:  Your account was placed out for repossession for non-payment on May *******. Your account at that time was 32 days past. We made contact with you on 5/18/2023 and work out a payment plan for your car payment and past due insurance. You did not fulfill your arrangements. Your account was them placed back out for repossession on 6/1/2023 You were unable to obtain the amount needed to redeem. We received several calls from you asking if you could pay us to remove it off your credit report. Please see the attach documents for your records. The records above and additional records you requested were also sent to you earlier this month.