Complaints

This profile includes complaints for C & F Finance Company's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

close

Find a Location

C & F Finance Company 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

• 

  C & F Finance Company

  PO Box 38456 Henrico, VA 23231

  
• 

  C & F Finance Company

  5500 Audubon Dr Henrico, VA 23231

  

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:04/17/2025

  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 writing to inform you that I have become a victim of identity theft, and a fraudulent account has been opened in my name with C&F Finance *** I did not authorize the opening of this account and kindly request your immediate action to resolve this issue. Below are the details of the fraudulent account:Creditor Name: C&F Finance Co Account Number: ********Opened Date: 8/13/2018 High Credit: $17,410 I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Please provide confirmation of the account closure and any relevant documentation regarding the fraudulent activity.Thank you for your prompt attention to this matter.

  

  Business Response

  Date: 04/24/2025

  Please see the attached response.

• Initial Complaint

  Date:02/28/2025

  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.

  My car loan is a little high and to make me feel better I like to split my payments in half so I can have money for other bills I like to pay half of my amount 2 -3 weeks ahead of my due date and pay the remaining amount on the due date But I called and they informed me that they don't have that as an option But there is a an option to pay more money and it doesn't apply it to the principal amount I've had experiences with other banks and they have always had the option to split payments in half

  

  Business Response

  Date: 03/04/2025

  Please see the attached response letter.

• Initial Complaint

  Date:01/28/2025

  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.

  I paid off my account off on January 22, 2025 with the agency in which they sent my account too. After paying the negotiated balance off. c&F reported in my credit report that the account was charged off for the full balance owed which was incorrect. The balance was paid in full to *************** the company in which held my account. I gave them 7 days to correct the problem and report correctly it I am filing a formal lawsuit.

  

  Business Response

  Date: 02/05/2025

  Please see the attached document for C&F's response to the customer's concerns.

  The C&F ******************************************* Compliance Manager completed an investigation and has
  found the following:
  On October 15, 2022, you entered into a retail installment sales contract
  (RISC) for the purchase of a 2018 ***** CX-9 (VIN: *****************)
  (the vehicle). The original term of the contract was 84 months with a first
  due date of November 29, 2022, and a monthly payment of $649.42.
  Following the total loss of your vehicle in January 2024, and the application of
  proceeds from your insurance and GAP Administrator, a balance of $1,664.70
  remained on your account. GAP Waivers do not cover late payments,
  extensions, or other associated fees and interest.
  On March 25, 2024, we agreed to a total loss modification of your RISC, which
  lowered your monthly payment to $227.00. You made one modified payment
  on March 29, 2024. Due to non-payment, your account charged off and was
  placed with an agency to collect on our behalf. That agency accepted a
  $934.50 settlement payment to satisfy your account. That settlement will be
  reflected on your account when we receive the funds from the agency.
  C&F has reviewed that all information being reported to the credit reporting
  agencies (****) is accurate and in accordance with the Fair Credit Reporting
  Act (FCRA). As such, we are declining your request to remove this tradeline
  from your credit profile. Your account will continue to report to the credit
  reporting agencies for seven years from the date of first delinquency.
  If you would like to further discuss account, you may contact ****** *******,
  Recovery Manager, at ************. We look forward to assisting you in any way we
  can.
  Sincerely,
  ****** *******
  Compliance Manager, C&F Finance Company

  Customer Answer

  Date: 02/05/2025

  Better Business Bureau:
  
  I have reviewed the offer and/or response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [Provide details of why you are not satisfied with this resolution.]
  
  

  I am asking for my credit to be updated to reflect that the account has been satisfied or paid in full.

   

  
  Regards,
  
  ****'t ********
  
  
  
  

  
  

  

  Business Response

  Date: 02/07/2025

  We have submitted a request to update the reporting related to your account to reflect as settled. Please allow 3-5 business days for the change to be reflected.

  Customer Answer

  Date: 02/07/2025

  [A default letter is provided here which indicates your acceptance of the business's offer.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the offer made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: *********************************************************************************.
  
  Regards,
  
  ****'t ********
  
  
  
  

• Initial Complaint

  Date:01/01/2025

  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.

  I am writing to formally dispute an account listed on my credit report. I have been a victim of identity theft, and the following account does not belong to me. I respectfully request that your agency investigate this matter and remove the fraudulent account from my credit report immediately.The account in question is detailed below:Creditor Name: US **** *************** 1/23/2020 Account Number: ********I did not authorize or open this account, and I have no association with it. This fraudulent account has negatively impacted my credit report, and I am requesting that it be removed promptly to reflect accurate information.

  

  Business Response

  Date: 01/02/2025

  Please see the attachment.

• Initial Complaint

  Date:07/29/2024

  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 C&F FINANCE COMPANY, I do not have a contract with they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 08/01/2024

  Please see the attached response.

• Initial Complaint

  Date:02/06/2024

  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.

  Vehicle is co owned with myself and ***********************. Starting with 1st payment made that was made way before due date I was harassed for 2 weeks about the payment I made moneygram next day payment 14 days later they did put it back to the date I paid but in the meantime calls MANY times a day. They've ran my credit card and checking account under ***** s name and I have documentation to prove this resulting in denial and extras fees and late payments. I've reach out to them in attempts to get them to work with us. I'm told 1 thing on the phone and they re smart ***,s, rude and unprofessional even in email. Today I sent them a confirmation number and I got a reply they haven't gotten the payment and they're going to repossess the vehicle. I asked if a loan forebearance is possible on a recorded call 2 times I've been advised as a Virginia resident that I could ask for a payment deferred 2x a year or every 6 months I just have to pay a 50 fee. I further explained that ***** had a heart attack and strokes resulting in me having to pay all bills. I get they want their $ and I owe ******* and February payments February came due on the 4th. I try to communicate via email so I have a written record for myself and I get different responses on the phone and via calls along with attitudes and threats. So I can Make a Payment on 2/18 and No I've not been able to keep up with all arrangements I've made so I further understand their reluctantly to work with me. ***** makes no payments on this so he just signed so I'm contacting you and I've also contacted an attorney because as I stated payments I've made next day payment they say that they don't get em so he's informed me to attempt to go this route and if it's repossess and me having proof of payment we will continue with legal action due to evidence we've obtained via emails, phone calls, payments

  Customer Answer

  Date: 02/09/2024

  To whom it may concern:   when C&F calls and says they've attempted to reach me it's another lie they're called the last two mornings after I start work ask for ***** whom has place a do not call him on the account as it's my vehicle I pay the payments etc anyway I tell them he's at work and they say thank you and disconnect before Even speaking to me in regards to the account. I wish you could listen to the calls and not just the snid bits they'd pick out and have you listen to. Thanks ***************************;

  

  Business Response

  Date: 02/22/2024

  Please see the attached response from C&F Finance Company.

• Initial Complaint

  Date:01/30/2024

  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 currently have a boat loan through C&F Finance, and C&F Finance Loan Servicing does not allow the option to pay additional principal. When I have made payments above the minimum due, they have set the additional principle amount aside for the next month's payment and waited to apply it to my loan until the next due date (and did not take my automatic payment the next month). My additional principle payment was not applied to the loan until the next month as the minimum payment, which means C&F could invest my money for a month while I pay interest on the principle amount of the loan that should have been paid off. Why isn't my payment applied to the loan when it is received. I am currently paying the same amount of principle each month as I am interest, and would like the option to pay it down faster with principle only payments, and this option should be available online as to how I'd like to apply the payment.

  

  Business Response

  Date: 02/05/2024

  Please see the attached response.

  Thank you!

• Initial Complaint

  Date:01/20/2024

  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.

  There is an auto account that was paid off in full 08.04.2019 due to total loss. During that time, this company has stated I have interest fees that are due. This account is no longer in collections and is updated as CLOSED on my account but this agencys has been reporting late payments to the credit bureaus up until ******. Under the US 15 USC code ****-S 2 ACT, this is illegal and is a tarnish to my credit.

  

  Business Response

  Date: 01/30/2024

  Please see the attached response.

• Initial Complaint

  Date:01/01/2024

  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 writing to express my profound concern about the disclosure of my nonpublic information to credit bureaus and the resulting inaccuracies on my credit report, leading to significant financial and emotional distress.As outlined in 15 USC **** Section 602, I assert my right to financial privacy, expecting the confidential treatment of my information.Moreover, 15 USC **** Section 604(a)(2) underscores that a consumer reporting agency cannot furnish account information without my written instructions, which have not been provided.I have identified discrepancies on my credit report originating from C&F FINANCE COMPANY, adversely impacting my financial well-being. I urgently request the rectification of these inaccuracies.Lastly, please be reminded of 15 USC 1666(b), preventing creditors from treating payments on a credit card account as late under specific circumstances.For your reference, my account details are as follows:Account Number: 1106****I request a thorough review of my account, prompt correction of credit report inaccuracies, and strict adherence to federal laws governing my information.Failure to address these concerns may lead to legal action. I anticipate your prompt response and resolution.Thank you for your immediate attention to this matter.Sincerely,*******************************

  

  Business Response

  Date: 01/12/2024

  After an internal review, we have made the decision to remove this tradeline from the customers credit profile.

• Initial Complaint

  Date:11/05/2023

  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.

  I drove 5 hours one way to buy a truck at **************** in *******, ******* on October 9, 2023. Because it was Columbus Day and all the banks were closed, the only financing available was through C&F Financing Company. I traded in my truck ($13K) and put an additional $5K down. The truck I purchased from **************** was $52K minus the $18K, leaving $41K to be financed (tax, tag, title, etc.). I just received an Adverse Action Notice from C&F Financing Company stating that they were denying my application for Value Or Type Of Collateral Not Sufficient, BUT they can offer you [me] credit on terms different than those proposed. If Value Or Type Of Collateral Not Sufficient, isnt sufficient, what makes it sufficient at different terms? By the way, my credit is stellar even C&F Financing Company cant dispute that. I feel that C&F Financing Company practices predatory loan/bait-n-switch tactics because, at this point, I cant undo the deal. My truck that I traded in is already long gone, and C&F Financing Company and/or **************** knows that. BUYER BEWARE when financing through C&F Financing Company, what you sign is NOT what you get. This is illegal.

  

  Business Response

  Date: 11/09/2023

  Please see the attached response and enclosures.