Review and analysis of 7 consumer complaints against Atlantic Credit & Finance, Inc.
Out of the 7 consumer complaints against Atlantic Credit & Finance, Inc. Consumer Loan, 0% were disputed by the consumer (i.e. the consumer was not happy with how Atlantic Credit & Finance, Inc. responded to their complaint) and 100% were processed in a timely manner. 0% of consumer complaints against Atlantic Credit & Finance, Inc. resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 71% resulted in non-monetary compensation.
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| Issue | Complaints |
|---|---|
| Problems when you are unable to pay | 6 |
| Managing the loan or lease | 1 |
Atlantic Credit & Finance, Inc. communication tactics frequent or repeated calls February 8, 2017 - This company is calling and harassing me on my personal cell and calling my work, which is explicitly prohibited by The Fair Credit Reporting Act. He mentioned some credit card I had never heard of. Furthermore, they have no standing to contact me about a debt, they also have not verified what debt they claim I owe. I want them to seize all communication and drop this frivolous collection attempt.... |
Atlantic Credit & Finance, Inc. false statements or representation attempted to collect wrong amount February 7, 2017 - A debt collection company that I send payments to is claiming that they did n't receive a payment that I sent in - 2016. However I 've made payments in - and - which have applied to my account correctly. I 've tried to rectify this matter and two months later and still has n't been resolved. It is very difficult to speak with someone about my account, because staff are rarely available. At this time I still have n't been informed about the company 's status in tracking the payment.... |
Atlantic Credit & Finance, Inc. communication tactics threatened to take legal action November 22, 2016 - I had recieved a call from a debt collector in regards to a piece of furniture I co- SIgned on for my roommate and I at the time. We had parted ways 3 months after purchasing it and the other party kept the couch. In -, I reviewed my credit score and saw the account on the couch was closed and $- balance. Now a debt collector called, did not say what company he is working for and said if I did not pay right now I would be sent to an attorney and sued. I tried making payment arrangements but he would not work with me, He said this company has tried reaching out to me so I asked him to t... |
Atlantic Credit & Finance, Inc. taking/threatening an illegal action sued w/o proper notification of suit October 10, 2016 - Threating that I would get a letter from lawyer. I spoke with original debt and they stated I could pay them for my debt.... |
Atlantic Credit & Finance, Inc. problems when you are unable to pay October 5, 2016 - Dear Consumer Financial Protection, I went to a - office in - ... my -. The - office applied for a loan out of - - ... for $1000.00, to - and make -. I agreed in good faith to the loan ... I had no other way of repairing my -. I am living with a fixed income and I did not have insurance. I had my -. During the -, I thought they were going to make me have a - - ... I was upside down in the chair as the - -. -. -. I contacted - and explained why I could not pay ... -. - The collection agency is bringing me to court on -/-... |
Atlantic Credit & Finance, Inc. communication tactics called outside of 8am-9pm August 29, 2016 - Debt collectors have n't called outside of proper hours, however I am having an issue with debt collection companies not providing me with a receipt for my monthly payments. I 've spoken with multiple representatives and supervisors who always claim they 're going to resend it but they never do. A common practice for these companies is to only allow you to speak with - person who is authorized to handle your account. The issue with this is very rarely is that specific person available to take my call and when I leave a voice message my calls are never returned. It is ridiculous that I have ... |
Atlantic Credit & Finance, Inc. taking/threatening an illegal action threatened arrest/jail if do not pay August 26, 2016 - This company called me today and threatening to take me to court if I did not set up some kind of arrangement with them today. They said the papers where laying on there desk and ready to be sent. I told them that I was not able to work because of health problems and that I have applied for -. I have no money. My wife is the only one working and she is trying to keep us a float. They would not listen to me and ask what bank we used and called the bank and put us on three way and set it up to where money would come out of our savings on Monday. How can money come out of something when you do... |
Atlantic Credit & Finance, Inc. improper contact or sharing of info contacted employer after asked not to August 2, 2016 - I am being garnished for a credit card from 2008, the amount said to be owed is - with fees and such the grand total to be -. However when I called Atlantic Credit and Finance - informed me that I had - accounts that were all paid in full. I have been garnished on this debt for a year. I can not get in contact with anyone that knows what is going on with my account. I do n't understand why I am being garnished for debt that was paid in full.... |
Atlantic Credit & Finance, Inc. disclosure verification of debt right to dispute notice not received June 22, 2016 - I purchased furniture at - -/-/2015 via - - mos. no interest if paid in full in 12 month 's. I rec 'd a letter in the mail on -/-/2015 from - - stating that the acct. was charged off and sold to - - -. Company as a collector. I never once rec 'd any bills, phone calls, emails from - 's or - Bank prior to account being sold. When I rec 'd the letter, I called - 's and -, neither were willing to help me. I had absolutely flawless credit until this. I had no intentions of not paying. I was not given the opportunity to pay. I am very upset after 34 yea... |
Atlantic Credit & Finance, Inc. false statements or representation attempted to collect wrong amount June 10, 2016 - When I kept on asking for validation of this debt they told me at first they could n't provide it. Finally a " supervisor " emailed some of my bill, the letter they sent has- The orginial debt is - I want to even negotiate. ... |
Atlantic Credit & Finance, Inc. problems when you are unable to pay February 24, 2016 - The company Atlantic Credit & Finance keeps calling me at work even tough I have told them to stop calling me at my job. Since I told them not to call me at work, they have called me close to ten times after. What are my rights? Thank you, - - -- ... |
Atlantic Credit & Finance, Inc. cont'd attempts collect debt not owed debt was paid January 29, 2016 - My domestic Partner an I ( - - ) have been severely harassed by Atlantic Credit & Finance of -, VA for a credit card debt that has been previously paid. - carefully explained this to Atlantic and have received several calls demanding payment. Even when he provided banking evidence of - cleared checks that paid off the debt, he still received harassing calls. Atlantic never contacted the original credit card company, - Bank, to confirm that they received an deposited the checks. Their collector 's demeanor has been condescending, illogical and demeaning. - individual, - ... |
Atlantic Credit & Finance, Inc. communication tactics used obscene/profane/abusive language January 19, 2016 - the collection agency put me on the phone and had me get into my personal business of why i stoped paying for the debt and asked why i am - and had me repeat it like 3 or 4 times to make me feel bad or gulity about the whole situration and then asked why i broke up with my fiance .. and then asked how much is in my checking acount. The agency name is atlantic Credit and fiance incorporated ... |
Atlantic Credit & Finance, Inc. cont'd attempts collect debt not owed debt is not mine January 12, 2016 - Calls and threatens jail time..want all calls and contact to stop. I do not owe this debt and if I don it was past the statute of limitations. They are now calling illegally. ... |
Atlantic Credit & Finance, Inc. cont'd attempts collect debt not owed debt is not mine December 4, 2015 - I have been contacted by debt collection agency by telephone for months for a debt that is not mine. They are looking for someone who does not live at this address or phone number and never have. I told - people from the agency that noone here lives by that name and they keep calling. The phone number is - - The company is : Atlantic Credit and Finance - Inc - - - - - -, Virginia - ... |
Atlantic Credit & Finance, Inc. problems when you are unable to pay November 19, 2015 - I had a - credit line and have not been able to pay full amount due each month. I have been paying $25.00 a month when I can. I looks as if the credit line was sold to Atlantic Credit & Finance , Inc . They are calling my home and cell phone hourly. They call my personal work phone and now they are calling the general number of where I work and harassing other employees after I have left work and insisting that they put me on the phone and they know that I am there, when I am not. This is causing me a lot of trouble at work and risking my job, which if I lose it and will not be able to pa... |
Atlantic Credit & Finance, Inc. cont'd attempts collect debt not owed debt resulted from identity theft November 19, 2015 - On or about - of 2015, I started to receive request for payments to which I disputed based upon claims of stolen ID THEFT.However, - - - ATLANTIC CRED continued attempt to collect a debt that I do not owe. I personally contacted ATLANTIC CRED and disputed the validity of the debt. I personally requested that ATLANTIC CRED to perfect security interest and VALIDATE the DEBT by providing me with Certified BILATERAL CONTRACT obligating me to this debt with the ORIGINAL CREDITOR '' NAME ; ADDRESS and unpaid invoices under FDCA. To this date, ATLANTIC CRED has failed to be in complian... |
Atlantic Credit & Finance, Inc. communication tactics frequent or repeated calls November 9, 2015 - The company is calling my work number to collect a debt. ... |
Atlantic Credit & Finance, Inc. disclosure verification of debt not given enough info to verify debt October 4, 2015 - This collection agency is alleging I owe a debt. I have never received any letter from this company and I do not know how this collection agency retrieved my personal information. ... |
Atlantic Credit & Finance, Inc. communication tactics threatened to take legal action September 10, 2015 - I could not find the exact describe the issue '' choice, but Atlantic Finance threatened me that unless I made my payments via a monthly electronic payment system, they would sell my debt to a company that would add more interest until the debt was paid off, therefore dramatically increasing the amount of my debt when I agreed to payments but only wanted to pay by USPS money order. Said my credit would get a negative report if I did n't pay electronically. - - and his supervisor - '' Harassed me and used threats of credit harm if I did n't open up some kind of electronic - card p... |
Atlantic Credit & Finance, Inc. improper contact or sharing of info talked to a third party about my debt July 28, 2015 - - and - attorney office had contacted my siblings and my mom regarding my credit card collection prior to contacted me. They have disclosed my confidential financial information to my siblings and my mom. They used scare tactics to my siblings and my mom that they will use legal action against me if I do n't pay back the small amount of credit card debt. I called the - and - office to work on the payment reduction and payment plan. But the guy named - only gave me very short time frame - months and each payment is over $1300.00! That is a such high monthly payment in additi... |
Atlantic Credit & Finance, Inc. communication tactics frequent or repeated calls July 16, 2015 - Called me at -, -, -, -. I 'm sure it would keep going but I have the phone set to block them now so I do n't see it. I am at work. I ca n't answer my phone NOR can I tolerate people calling me every 30 minutes - 1 hour or less! ... |
Atlantic Credit & Finance, Inc. communication tactics frequent or repeated calls June 23, 2015 - Collection company is calling me, asking very personal questions.Kept me on the phone for - minutes asking personal details of my finances. They looked at my credit report without asking me. And they also called my family members. ... |
Atlantic Credit & Finance, Inc. improper contact or sharing of info contacted employer after asked not to June 23, 2015 - Called harassing me at work when I am not allowed to receive personal calls at work. I've never heard from this Company or received any messages from them on my cell phone, email or mail. Asked - at ext - to remove my work number from her file.... |
Atlantic Credit & Finance, Inc. improper contact or sharing of info contacted me after i asked not to June 16, 2015 - i have been continuously harassed by Atlantic Credit & Finance , Inc. in the form of multiple phone calls from the number - at least - times a day and lately they call and hang-up if I answer it. then the try and use a different number. I have asked them to leave me alone that I do n't have any money but they wont listen. I tolled them to wait until my finances improve when they called the first time but they wont listen. ... |
Atlantic Credit & Finance, Inc. communication tactics used obscene/profane/abusive language May 11, 2015 - They have somehow contacted my mother although she has no connection to this debt and harrassed her calling multiple times per hour. I called them back, they were looking for another name other than my own and I told them to not use this number again to contact me and they told me they would n't and called me an - ''. The person on the other line is called - '' and she is extremely unprofessional, rude, lewd, and harrassing. I am being called multiple times per day starting - - up through today - - thus far. ... |
Atlantic Credit & Finance, Inc. communication tactics frequent or repeated calls April 20, 2015 - I have repeatedly asked for them to only contact my personal number. I just received information that they have now contacted my ex-husband, my parent 's home, my mother 's work, and my mother 's cell phone. I 'm not sure how they have gotten any of these numbers but it has become disruptive to everyone 's life. I have since sent a cease to call letter on -/-/-/-/2015. I have had to block their phone numbers so I do not lose my job from the constant calls. - '' has called me - times in less than - days. ... |
Atlantic Credit & Finance, Inc. communication tactics frequent or repeated calls April 9, 2015 - This company Atlantic Credit and Finance is calling me up to 5 times a day on my cell number. From phone number - as well as calling my work phone number. They were never given permission to contact me at work, or harass me at my place of business. I find their multiple calls daily very harassing. I have blocked their number so now they call me at work. I have asked them to no longer call there either because I am not allowed to take personal calls at work. ... |
Atlantic Credit & Finance, Inc. cont'd attempts collect debt not owed debt is not mine March 27, 2015 - I first received a phone call from - '' at Atlantic Credit and Finance , Inc. '' at my business, which I own, where the gentleman asked for me by first name only. The - phone call attempt from AC & F I was not available to come to the phone, - told my employee that he would wait on the phone until I became available, when my employee refused his offer he said there was no message. - called back a few hours later, at this time I answered the phone. Our conversation began with - telling me that I owed money for a past debt in the amount of over $3000.00 from the company - '... |