Consumer complaint received 2025-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mid-Atlantic Finance Co., Inc.
State: OH

Complaint narrative:
Complaint Dealer Fraud, Title, Lien, and Safety Issues ( Joint Complaint ) To Whom It May Concern : We, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, are submitting this joint complaint to request that the Ohio Bureau of Motor Vehicles ( XXXX ) investigate XXXX XXXX XXXX XXXXXXXX for fraudulent, deceptive, and unethical business practices in violation of the Ohio Revised Code ( ORC ) and Ohio Administrative Code ( OAC ), including but not limited to : ORC 1345.02 : Prohibits unfair or deceptive acts or practices in consumer transactions.

ORC 4505.181 : Requires proper issuance of certificates of title for motor vehicles.

OAC Rule 4501:1-3-09 : Lists fraudulent acts by motor vehicle dealers, including theft, forgery, and falsification.

OAC Rule 109:4-3-16 ( B ) : Deems certain acts related to the advertisement and sale of motor vehicles as deceptive and unfair practices.

Summary of Complaint : 1. Misrepresentation and Concealment : The dealer failed to disclose prior flood damage, ongoing electrical defects, and the potential for a salvaged or branded title. These omissions constitute deceptive practices under ORC 1345.02.

2. Improper Application of Funds : Of the {$2000.00} payment made, only {$1000.00} was applied to our finance agreement with XXXX XXXX. The dealer has not accounted for the remaining {$1000.00}, violating ORC 4505.181 regarding proper title issuance.

3. Inoperable Vehicle : The vehicle 's persistent electrical issues render it unsafe and unfit for its intended use, resulting in substantial financial losses. This situation may involve violations of OAC Rule 4501:1-3-09 concerning fraudulent acts by motor vehicle dealers.

4. Failure to Provide Title : The dealer has not delivered the title, preventing us from legally transferring ownership or selling the vehicle, and potentially violating ORC 4505.181.

5. Business Impact : Intended for rental to rideshare and gig drivers at $ XXXX, the vehicle has been inoperable for several months, causing financial hardship and loss of business income. 
6. Credit Protection : We request that the XXXX take appropriate action to ensure our credit records are not adversely affected by these fraudulent and deceptive practices. 
Request for Documentation : We request official documentation of this complaint for legal purposes, including a record of its receipt, investigation status, and any actions taken. 
Requested Actions : We respectfully request that the XXXX : 1. Investigate the dealer 's compliance with applicable ORC and OAC provisions.

2. Verify the vehicle 's title status and require proper issuance or release of the title. 
XXXX. Assess the dealer 's handling of funds and financial obligations to XXXX XXXX. 
XXXX. Take appropriate administrative or enforcement action, including potential referral for civil or criminal proceedings. 
XXXX. Ensure that our credit records are not adversely affected by the dealer 's fraudulent and deceptive practices. 
Thank you for your attention to this matter. We respectfully request written confirmation of receipt and notice of any actions taken by your office.

Company response to consumer: Closed with explanation