Consumer complaint received 2020-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Mid-Atlantic Finance Co., Inc.
State: GA

Complaint narrative:
XXXX of 2019 I entered into a contract with Mid-Atlantic Finance Company. XX/XX/XXXX2019 I began having mechanical issues with the car and ended spending close to XXXX in repairs in which I sent the repair bills, pictures to Mid-Atlantic. XXXX XXXX, 2019. 

E-mail Correspondent between Mid-Atlantic and I from XXXX XXXX 2019 ; XXXX XXXX XXXX XXXX XXXX XXXX, 2019, XXXX XXXX  to me XXXX XXXX , I see a XXXX XXXX   payment for {$400.00} pending, this leaves you with a remainder of {$23.00} due to late charge fees. Your next payment will be due on XX/XX/XXXX please make sure the full past due amount is covered within the month which will be {$430.00} if no other late charge fees are applied. If you need to make arrangements for your XXXX payment contact m eat ext XXXX to discuss further. Thank you. 


Car problems begin in the middle of XXXX at which time I ask for an extension that was met with wanting additional information required from the mechanic. I was asked to provide mechanic contact information which I sent. This led to me being late on my payments and I asked for an extension again in XX/XX/XXXX2019. In XXXX I also asked why my payment was so high in that I made payments and was given a breakdown from Mid-Atlantic. 
Throughout the month of XXXX, emails were exchanged regarding extension XXXX XXXX XXXX XXXX XXXX 2019, XXXX XXXX to me Received, thank you for the update. 

XXXX XXXX. 

Account Servicing Department Mid-Atlantic Finance Company XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX * XXXX ) XXXX xXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2019, XXXX XXXX  to XXXX Hi XXXX , I spoke with my Mechanic yesterday and he said I would need to physically come into the shop and sign the invoice. I will be going over there this afternoon to pick up the invoice and send it over. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX  to XXXX Hi I sent over proof of receipt but have not heard back. Can you please provide me with an update. 


XXXX XXXX XXXX XX/XX/2019, XXXX XXXX to me We have been attempting to reach you but no answer, please contact our office. 

Hi XXXX Can you please give me a call, I need to make a payment on my car. 



XXXX On Tue, XX/XX/XXXX 2019 at XXXX XXXX  XXXX XXXX XXXX XXXX wrote XXXX Hi XXXX, I have paid XXXX+XXXX on car parts and awaiting the last part to arrive this Thursday. I can catch my car note up on XX/XX/XXXX 2019, and will have no problem paying my car note on time. Please let me know if this is okay. 

XXXX XXXX XXXX XXXX XXXX Mon, XX/XX/XXXX2019, XXXX XXXX to XXXX Hi XXXX I could a few times to make payments but it went to voice mail. 

Can you please give me a call? 
XXXX XXXX -- Sent from XXXX Mobile XXXX XXXX XXXX Mon, XX/XX/XXXX 2019, XXXX XXXX  to me XXXX/XXXX/19 {$600.00} conf # tel-XXXX This was supposed to not only catch up on my payment in XXXX as well as payments to resume in XXXX. 

Here are the emails : XXXX XXXX XXXX Tue, XXXX XXXX, 2019, XXXX XXXX to me XXXX, Please contact me as I would like to discuss arrangements on your account for this month. ext XXXX. 



XXXX XXXX. 

Account Servicing Department Mid-Atlantic Finance Company XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX * XXXX ) XXXX xXXXX ) XXXX xXXXX  XXXX XXXX XXXX XXXX Tue, XXXX XXXX, 2019, XXXX XXXX  to XXXX Hi XXXX , I just called you and it went to voicemail. 

XXXX XXXX XXXX Founder/ Real Estate Broker XXXX XXXX XXXX  XXXX . 
( XXXX ) XXXX In XXXX I received an email from a different customer service rep from Mid-Atlantic saying that I needed to resubmit proof of car repairs. I explain to XXXX that I had already sent proof : From : XXXX XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX 2019 XXXX XXXX To : XXXX XXXX XXXX Subject : Re : Mid Atlantic Finance XXXX , I didn't realize Mid-Atlantic was seeking my vehicle. I just made several payments on this vehicle and the payment is not due yet. Nor did I receive any phone calls or messages. I would not purposely ignore any calls regarding my car. I depend on this car for work. 

XXXX On Fri, XXXX XXXX, 2019 at XXXX XXXX  XXXX XXXX XXXX wrote : XXXX I need you to remove our vehicle out of the garage so that we can pick up our collateral. We have tried to reach you by phone several times you have ignored all of our calls further actions will be taken if this is not done asap Thanks On Mon, XX/XX/XXXX 2019, at XXXX XXXX  XXXX XXXX XXXX wrote XXXX I need proof that you paid {$1700.00} to the repair shop XXXX XXXX XXXX Department Mid-Atlantic Finance Company XXXX XXXX ) XXXX xXXXX ) XXXX xXXXX 7 Fax : XXXX I sent over proof again and also made a payment of XXXX plus fees. 


XXXX XXXX XXXX XXXX Fri, XX/XX/XXXX2019, XXXX XXXX to XXXX  The person who sold me the car said she called her rep and my account is showing I owe XXXX Can you please explain how I now owe XXXX yesterday you sent over my payment history but it does not make sense. I can pay XXXX today. I have to get a tire and rim on the car. 


XXXX -- Sent from XXXX Mobile XXXX XXXX XXXX Fri, XX/XX/XXXX 2019, XXXX XXXX to me You are short on the payment I told you to make you will need to pay the other {$66.00} asap or you will not get the deferment the repo driver was at the tire shop I told them to leave because you were going to pay need that payment today or i will have to release the hold MAF_Logo-EMAIL XXXX   XXXX Mitigation Department Mid-Atlantic Finance Company * XXXX ) XXXX xXXXX ) XXXX xXXXX 7 Fax : XXXX XXXX XXXX XXXX XXXX Fri, XX/XX/XXXX 2019, XXXX XXXX  to Shavonna Thats all I had after the XXXX fee and the XXXX for a tire and rim. I am seeing if I can borrow the rest now. 


On Fri, XX/XX/XXXX 2019 at XXXX XXXX  XXXX XXXX XXXX wrote XXXX You are short on the payment I told you to make you will need to pay the other {$66.00} asap or you will not get the deferment the repo driver was at the tire shop I told them to leave because you were going to pay need that payment today or i will have to release the hold MAF_Logo-EMAIL XXXX XXXX Mitigation Department Mid-Atlantic Finance Company * XXXX ) XXXX xXXXX ) XXXX xXXXX 7 Fax : XXXX From : XXXX XXXX XXXX XXXX Sent : Friday, XXXX XXXX, 2019 XXXX XXXX  To : XXXX XXXX XXXX XXXX : Car Payment The person who sold me the car said she called her rep and my account is showing I owe XXXX Can you please explain how I now owe XXXX yesterday you sent over my payment history but it does not make sense. I can pay XXXX today. I have to get a tire and rim on the car. 



XXXX -- Sent from XXXX Mobile This communication may contain privileged and/or confidential information. It is intended solely for the use of the addressee. If you are not the intended recipient, you are strictly prohibited from disclosing, copying, distributing, or using any of this information. If you have received this communication in error, please contact the sender immediately and destroy the material in its entirety, whether electronic or hardcopy. This communication may contain non-public information about individuals and businesses subject to restrictions of the Gramm-Leach-Bliley Act. You may not directly or indirectly reuse or re-disclose such information for any purpose other than to provide the services for which you are receiving the information. 

-- Sent from XXXX Mobile XXXX XXXX XXXX Fri, XXXX XXXX, 2019, XXXX XXXX  to me Okay you can call in to pay that with a visa or master card {$66.00} + {$6.00} = {$72.00} MAF_Logo-EMAIL XXXX  XXXX Mitigation Department Mid-Atlantic Finance Company * XXXX ) XXXX xXXXX ) XXXX xXXXX 7 Fax : XXXX From : XXXX XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX2019 XXXX XXXX  To : XXXX XXXX XXXX Subject : Re : Car Payment Thats all I had after the XXXX fee and the XXXX for a tire and rim. I am seeing if I can borrow the rest now. 



On Fri, XX/XX/XXXX2019 at XXXX XXXX  XXXX XXXX XXXX wrote : You are short on the payment I told you to make you will need to pay the other {$66.00} asap or you will not get the deferment the repo driver was at the tire shop I told them to leave because you were going to pay need that payment today or i will have to release the hold MAF_Logo-EMAIL XXXX  XXXX Mitigation Department Mid-Atlantic Finance Company * XXXX ) XXXX xXXXX )  XXXX xXXXX 7 Fax : XXXX From : XXXX XXXX XXXX XXXX Sent : Friday, XXXX XXXX, 2019 XXXX XXXX  To : XXXX XXXX XXXX Subject : Car Payment The person who sold me the car said she called her rep and my account is showing I owe XXXX Can you please explain how I now owe XXXX yesterday you sent over my payment history but it does not make sense. I can pay XXXX today. I have to get a tire and rim on the car. 



XXXX - XXXX XXXX XXXX Tue, XX/XX/XXXX 2019,  XXXX XXXX  to me You have until Friday to pay {$66.00} if I do not receive this payment repo hold will be reopened MAF_Logo-EMAIL XXXX  XXXX Mitigation Department Mid-Atlantic Finance Company * XXXX ) XXXX xXXXX ) XXXX xXXXX 7 Fax : XXXX From : XXXX XXXX XXXX Sent : Friday, XXXX XXXX, 2019 XXXX XXXX  To : XXXX XXXX XXXX ' XXXX Subject : RE : Car Payment Okay you can call in to pay that with a visa or master card {$66.00} + {$6.00} = {$72.00} XX/XX/XXXX I was told the payment was one amount and then in XXXX I was told the payment was lower : Mid-Atlantic continued to give me false information pertaining to the amount of money which is actually owed on this car. Here is the email from XX/XX/XXXX 2019 : XXXX XXXX XXXX XXXX XXXX, 2019, XXXX XXXX  to me Okay thanks, i can defer payments but I will need you to pay {$810.00} Right after I made the payment a few days later my mother passed away and I forgot to pay the XXXX. They were not willing to work with me nor allow me to make the XXXX payment. I begged XXXX to work with me and received nasty emails staying they didn't care and I need to pay XXXX or lose the car. Over the past few days, my account was given to another rep who NOW says the payment is XXXX and I need to pay it today. They are refusing to work with me. As of today, they are demanding their collateral. 
PLEASE HELP! 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation