Mid-Atlantic Finance Co. Complaint

Mid-Atlantic Finance Co., Inc. Consumer Loan department,

Personal line of credit Account terms and changes Alabama

NONE OF YOUR " MY LOAN IS A '' below apply to this situation! This was a car loan but the company is providing fraudulent information this is damaging my credit! RE : MidAtlantic Finance Company Account No. - - NOT TO BE CONFUSED with my current MAF loan MidAtlantic Finance Company has reported several false items to all - credit reporting agencies, and continues to do so. It is damaging my credit so much so that I was told I did n't qualify for a mortgage. Most recently, I settled this account per agreement on - -, -, yet MAF reported it is a payment on the amount claimed owed ( which has been disputed since - - ). But that is just the most recent false information that was reported. It is showing a debt

-, and I made payments of $250.00 a month through - - to - -. 1 ) Car was purchased in - - and was financed IN HOUSE until - - per MAF 's statement of - -, -, with my first payment being due to MAF - -. Therefore, I was not responsible for any prior late payments ( MAF recorded my first delinquency as - - ) and that should never have been on my credit report. I do not know why or HOW it can be considered owned by MAF since - -. 2 ) There was NEVER a charge-off of $5100.00 for the following reasons : a. Car was totaled - -, -. I paid the $250.00 - payment plus additional interest fees on - -, -. The insurance company paid $4200.00 on - -, -, leaving a balance per MAF of $950.00 ( disputed since - - ) ; b. I was given a payoff in - - of $5200.00, with no expiration date, so I disputed the $950.00 for 18 months before giving up. Finally, MAF sent me the accounting in - -, which supports my claim of payments made and wrongfully charged-off amounts. 3 ) On - -, -, this account was PAID IN FULL per MAF 's own letter dated - -, -, yet MAF did not comply with the verbal agreement with its representative - - to remove negative credit AND it applied the $500.00 as a payment toward the ( disputed ) balance owed rather than showing Paid in Full. The included supporting documents are as follows in a single PDF and numbered accordingly : 1 ) MAF - Accounting - - - received from MAF in - - - all writing on the page is by someone at MAF. This is a scan of exactly what I received. I was unaware that - allegedly had my account prior to - - as all payments were made directly to the car dealership prior to - -. MAF accounting shows only $950.00 ( disputed ) owed as of - -, -. 2 ) MAF - Payoff - - - - Receipts showing - was sent to MAF on - -, - prior to payoff deadline of - -, -, for the agreed amount of $500.00. Also sticky note from conversation on - -, -, with - - prior to making - payment later that day. 3 ) MAF - - - - - - Screenshot of email from - - TWELVE days after payoff with the agreement referenced below attached that she said she previously was remiss in sending. By then MAF had my payment of $500.00 since - - and 9 days past the deadline. 4 ) MAF - Agreement -/-/- - Agreement clearly stating that if the $500.00 was paid by - -, -, my account would be considered " settlement of the account '' yet MAF has reported it as a PAYMENT.