Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mid-Atlantic Finance Co., Inc.
State: KY

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX XXXX in XXXX Kentucky. They made an agreement with me, due to me having started the process of filing bankruptcy, to not report this loan to the credit bureaus, and that was fine with them as they didn't anyway. It was clearly discussed, and agreed on that this small loan would not be reported. 

They closed their location and moved to a new one. When they did, they sold many of their existing loans to a collection agency. This collection agency did not honor the agreement I had made at the origination of the loan. They reported it to the credit bureau. They also made excessive phone calls to me demanding money before the payment was due, and it got so annoying and they refused oral instructions to stop, so I sent them a cease and desist letter. This action caused a rift with them and me. So, they started XXXX-calling my wife days before the due dates, demanding that she make sure I pay the payment on time. I was not aware of this, until recently. They made at least twenty or more calls after the letter. 

When I made the final payment, I photographed it, and the payment book. The final payment was made on XX/XX/XXXXXXXX for the amount of {$270.00}. The payment was marked, " PAID IN FULL, '' and the final payment book page, numbered 18, the number of agreed upon payments with XXXX XXXX XXXX XXXX, was included and it was marked with, " FINAL PAYMENT. '' Mid Atlantic accepted this payment, cashed it, and I heard nothing further from them, and assumed the deal was completed. They sent the title and paperwork about two months later after I was forced to visit XXXX XXXX XXXX XXXX new location and demand a clear title. This also turned into a fiasco. XXXX XXXX XXXX  claimed that Mid Atlantic held the paperwork, but the XXXX XXXX XXXX disagreed and said the release and lien were under the name XXXX XXXX XXXX XXXX. After threatening XXXX XXXX XXXX  with a lawsuit, they released the title to the vehicle to me on or around XX/XX/XXXX. 

Mid_Atlantic never sent a letter to say they had rejected the payment, and I have the cancelled check where it was cashed. Under Kentucky law, and the law of common sense, they should have completed the transaction or held the check and sent a letter of dispute. They did neither. They cashed it, and eventually sent the clearance of the lien. 

They reported that I was 30 days later on my XXXX Credit Report. I disputed the allegation. They claimed they had researched it and found themselves to be correct. I again disputed it, and also asked that the entire report be removed from the credit bureau, as it was placed on there in violation of the contract agreement. They refused. I filed a complaint with the XXXX XXXX XXXX, and Mid-Atlantic ignored the no-contact from the letter I sent, and on XX/XX/XXXX, at XXXX contacted me, but didn't leave a message that I could find on my phone. Later that same day I got another phone call. 

This time the gentleman said he was Mid Atlantic Finance and wanted to see if I was looking to finance a vehicle. He was laughing the whole time he talked to me, giggling actually. It was clearly someone who decided to get a little happy with me, laughing, knowing that I would be upset. 

I want them to go away, completely. I don't need this kind of drama in my life, and I have a hard time dealing with irresponsible and smarmy/snarky employees who think they have the right to make your life XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief