Barnett Finance Company, Inc. (BFC) is a third-party auto loan agency based in Georgia. Barnett Finance Company has received consumer complaints alleging billing, collections and credit reporting issues. If you have been contacted by BFC, make sure you understand your rights before taking action.
According to the Better Business Bureau (BBB), Barnett Finance Company was founded and incorporated in 1994 in Georgia. The BBB established its profile page in 2001. BFC is listed as consumer finance and loan company.
According to its website, Barnett Finance Company conducts “business along the entire eastern seaboard” and is “a leader in the subprime market.”BFC’s website provides information for car dealers and information for car buyers. The website informs site visitors that dealers “looking for an experienced lender to bring profits to [their] bottom line, give [them] timely callbacks and fund [their] deals quickly,” should “look no further than Barnett Finance Company Inc.” More information is available by contacting BFC.
The car buyer pages encourage site visitors to have their dealer contact Barnett Finance Companyif they “have less than perfect credit and need financing for a new vehicle.” The FAQ page answers questions about account access, payments, deferments, relocating vehicles, name changes, insurance, payoffs, repossessions, and titles.
The BFC 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 3 complaints against Barnett Finance Company in the past three years. Most of those complaints allege problems with billing and collections. Many complaints also allege problems with customer service. Justia lists at least 1 federal civil case involving Barnett Finance Company.
Absolutely. Here are some Sample Cases against Barnett Finance Company
According to the BBB website, complaints against Barnett Finance Company raise billing, collection and customer service issues. Specifically, consumers complain that they are unable to resolve loan payment problems even after contacting the company multiple timesand that BFC customer service representatives are “unprofessional” and rude. The negative reviews on BFC’s BBB profile support these allegations.
In November 2015, a complainant indicated that BFC “employees are not professional, they are rude, totally unaware of the company polices [sic], and they are liars.” The complainant alleged that he had called BFC “constantly” to resolve the balance due on his totaled car and to obtain information about his Gap insurance. He waited several months for BFC to send him the Gap insurance information and when he received it, he learned that Barnett Finance Company had moved his account to the legal department with no notice to him. Over several months, the complainant spoke to several BFC representatives and was given several different balances due over the phone. The complainant alleged that the “customer service was so poor” that he tried to elevate the issue to a manager, but he gave up after several attempts. Only after the complainant sent an email to BFC through its website, did he receive a return call. Ultimately, although Barnett Finance Company received full payment and had “assured” the complainant that “this would not be a credit issue,” it “put bogus comments” on his credit report that the complainant stated he would “be following up on.” The complainant urged others to “steer clear from this business!!”
In July 2015, a complainant alleged that Barnett Finance Company acted improperly by refusing a payment deferment, repossessing her vehicle, and reporting the repossession and a collection on her credit history. She indicated that she and her husband financed a used car through BFC and were current on payments until her husband became ill. Because they were unable to make timely payments at the end of 2014 during his hospitalization and recovery, the complainant contacted BFC to obtain a payment deferment to January 15. According to the complainant, this would have allowed them to make one payment on January 15 and then come current with tax refund monies shortly thereafter. Barnett Finance Company refused to work with them and told them “no” and “that if the payment was not made by the 15th of December they would” repossess the car. BFC repossessed the car and reported the repossession and a collection for a remaining balance due based on the difference between what was owed and the amount Barnett Finance Company obtained for the car on the complainant’s credit report. The complainant disputed the amount due.
Barnett Finance Co., Inc.
7302 Abercorn Street, Suite 3
Savannah, GA 31406-2470
Telephone: (912) 692-0008
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.
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.
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