CAR Financial Services Inc is a subprime auto lending company, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is CAR Financial Services?
CAR Financial Services, Inc. (CAR Financial) is a third-party auto loan agency based in Georgia. CAR Financial has received consumer complaints alleging billing, collection, customer service and credit reporting problems. If you have been contacted by CAR Financial, make sure you understand your rights before taking action. According to the Georgia Secretary of State’s website, CAR Financial was incorporated in 2004 in Georgia. The Better Business Bureau (BBB), established its profile page in 2009. CAR Financial is listed as a consumer finance company.
According to its website, CAR Financial Services “operates in 45 states” and “is dedicated to serving the individual needs of automotive dealers and automotive non-prime financial organizations…” With its “more than 25 years of proven experience”dealers who work with CAR Financial “can be sure” that it “will be here for [their] business, providing a stable source of funding and reliable service today and tomorrow.” CAR Financial’s website provides information for car dealers and a payment portal and customer service contact information for car buyers. The “About” page informs site visitors that CAR Financial “can help [them] survive these difficult economic times by customizing a purchase/service program that meets” the dealer’s needs “while providing quality service through a single point of contact that is located near” the dealership.
CAR Financial Services purchases notes, portfolios and streams of payments, provides “floor plan financing” to “select” buy here pay here dealers, offers equity advance lines to “highly qualified dealers” who have a “need for immediate cash” and is “the industry leader” in account servicing to “both independent automotive dealers and automotive sub-prime financial organizations.” More information is available by filling out an information request form online or by calling CAR Financial.
The EFC website does not provide a lot of detailed information about its business practices or compliance policies. They do include standard, legally mandated information about information privacy and security.
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How many complaints are there against CAR Financial Services?
The BBB has closed 10 complaints against CAR Financial Services Inc in the past three years. Most of those complaints allege problems with billing, collections, sales and customer service. Justia lists at least 2 federal civil casesinvolving CAR Financial.
Can you help me file a No Fee Lawsuit against CAR Financial Services?
Absolutely. Here are some Sample Cases against CAR Financial Services Inc
According to the BBB, complaints against CAR Financial Services allege billing and collection, sales, and customer service issues.While the details of those complaints are not available on the BBB website, the negative reviews on CAR Financial’s BBB include allegations about the same issues.
In October 2017, a reviewer alleged that CAR Financial “made some unforgivable errors and exercised an extreme lack of coherency and respect.” According to the reviewer, he paid off his loan with CAR Financial, but CAR Financial failed timely to produce the title and gave him inconsistent information and told “blatant lies” about the status of the title when he repeatedly contacted the company to inquire. The reviewer indicated that as a result of CAR Financial’s actions, he was “not been able to legally drive” his vehicle for over a month.
In May 2017, another reviewer indicated that CAR Financial Services “is not a[n] honest company” that it is an “unfair and deceptive business [sic]…” The reviewer alleged that he paid his car loan with CAR Financial in full, but the company refused to release the title without reason and he was “still fighting for the title.”
CAR Financial Services Inc. Contact Information
CAR Financial Services, Inc. Five Concourse Parkway, Suite 300 Atlanta, GA 30328 Telephone: (800) 955-7070 Website: http://www.carfinancial.com/
CAR Financial Services Calling You?
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.
Want to Stop CAR Financial Services Debt Collection Harassment Now?
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.
What Our Clients are Saying
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“I have to admit, I was not sure of y’all initially but you proved me wrong. You not only got the calls to stop but you have the company to dismiss the accounts once and for all! It had been more than I anticipated.”
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“I want to thank you and your team for all of the help you have provided to me. Honestly, you have a excellent staff who has dealt professionally and been very empathetic at one time in my life once I hit a speed bump.”
Can You Help Me Delete CAR Financial Services from My Credit Report?
We can absolutely help. Call us today.
Can Your Firm Help me Deal with CAR Financial Services?
The short answer is yes. Contact us now to find out more.
Sound Off!
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About the Author:
Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
I called car financial to make our payment and they told me to pay the dealership. We’ve been paying the dealership and now car financial sent a letter saying we owe them 1400.00 and we have to pay it now. They also said the payments we’ve paid the dealership does not count and they will not accept those payments.
I called car financial to make our payment and they told me to pay the dealership. We’ve been paying the dealership and now car financial sent a letter saying we owe them 1400.00 and we have to pay it now. They also said the payments we’ve paid the dealership does not count and they will not accept those payments.