Atlantic Financial Services, Inc. (Atlantic Financial) (a/k/a Atlantic Discount Corp.) is anauto and personal loan agency based in North Carolina. Atlantic Financial has received consumer complaints alleging violations such as billing and collections issues and improper communication tactics. If you have been contacted by Atlantic Financial, make sure you understand your rights before taking action.
According to the Better Business Bureau (BBB), Atlantic Financial Services was founded in 1995 and incorporated in North Carolina in 2006. The BBB established its profile page in 2009. Atlantic is listed as a consumer finance company.
According to its website, for more than 15 years, Atlantic Financial Services “has provided thousands of ‘credit challenged’ consumers, throughout North Carolina and Virginia with financing to purchase automobiles as well as helping with a variety of other personal loan needs.” Atlantic Financial’s website provides information for car dealers and car buyers. Their dealer page informs site visitors that Atlantic Financial offers ‘a competitive sub-prime program providing flexible rates and terms” that enable dealers “to structure affordable payments” for customers. The dealers Atlantic Financial works with “will find a team of experienced loan officers looking for reasons to approve your customers so you can sell more vehicles.” Program guidelines and dealer sign-up procedures are available by contacting one of Atlantic Financial’s branch offices.
The car buying page offers help to site visitors who are “interested in buying an automobile” but who whose “local dealership will not finance” because of their credit history. Atlantic Financial will take the time “to work with” them, “thoroughly analyze” their “financial situation, help determine what [they] can afford, and get [them] back behind the wheel in no time!”
Atlantic Financial’s website does not provide a lot of detailed information about its business practices or compliance policies. It does include standard, legally mandated information about information privacy and security.
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The BBB has closed 4 complaints against Atlantic Financial Services in the past three years, with 2 closed in the past 12 months. Those complaints allege problems with billing and collections, and customer service. Justia lists at least 6 federal civil lawsuits involving Atlantic Financial Services
Absolutely. Here are some Sample Cases against Atlantic Financial Services.
According to the BBB, it has received complaints against Atlantic Financial Services relating to“problems with its products and services” and with “advertising/sales issues.” The complaints available on the BBB’s profile page for Atlantic Financial involve consumer’s complaints that they were unable to resolve loan payment issues due to Atlantic Financial’s handling of gap amounts due after the complainants’ cars were totaled and their insurers made payments to Atlantic Financial for the cars’ values. One complainant alleged that Atlantic threatened to “garnish his wages” to recover gap amounts due even though the complainant had gap insurance.
Atlantic Financial has also been sued in federal district court a number of times based on alleged “truth in lending” violations, including allegations that Atlantic Financial Services or its agents “misrepresented”and/or “concealed material facts”, including the “terms of transactions” and failed accurately to disclose finance and other charges to the complainants, among other allegations.
Atlantic Financial Services, Inc.
145 E Rich Blvd. # C
Elizabeth City, NC 27909-5518
Telephone: (252) 338-9008
Understanding Your Debt Collection Rights
Consumers are protected from abusive debt collectors from the Fair Debt Collection Practices Act (FDCPA). By way of instance, the debt collector must identify himself or herself, who they’re working for, and what debt they’re collecting. The FDCPA claims that debt collectors can’t use any deceptive or misleading representation, like implying the debt is secured by the USA or any particular state. Additionally, they can’t use a badge or uniform to pretend they’re a government employee collecting a debt. Misrepresentation is a violation of the FDCPA and could be reported as such.
In case you’ve been a victim of a debt collector’s wrongdoing, then you can search for justice under the FDCPA. You have the right to pursue a claim against the debt collector; if you prevail, you can collect up to $1,000, plus attorney fees and court costs.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, a lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
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The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
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