Auto lender · complaint record
Atlantic Financial Services complaints
Filed under Atlantic Discount Corporation dba Atlantic Financial Services
Consumers have filed 13 complaints about Atlantic Financial Services since 2023, 4 of them in the last 12 months. It answered 75% on time and closed 0% with relief for the customer. The most common problem is repossession.
Rated once a company has 25+ complaints in 12 months. How it works
- Complaints on record
- 13
- Last 12 months
- 4
- Answered on time
- 75%
- Closed with relief
- 0%
- Last 30 days
- 0
- Rank
- #75 of 193
Since October 2023
new vs the year before
Industry: 98.2%
Typical auto lender: 9%
Newest: Jul 15, 2026
Most complained-about auto lenders
Atlantic Financial Services complaints by month
The busiest month was December 2024 (2 complaints). Complaints rise with a company's size and with news, so compare trends rather than totals.
How Atlantic Financial Services answered all time
- Closed with explanation13100%
"Closed with explanation" means the company replied but gave no money back and changed nothing. What each answer means
What Atlantic Financial Services complaints are about
Top Atlantic Financial Services problems
Inside "Improper use of your report"
- Credit inquiries on your report that you don't recognize 4
Atlantic Financial Services compared with other auto lenders
| # | Company | Score | 12 months | Grade |
|---|---|---|---|---|
| 1 | The Savings GroupAuto loans & leases | 63 | 41 | C |
| 2 | AC AutoPay LLC, Denver, CO BranchAuto loans & leases | 60 | 38 | C |
| 3 | CARS AcquisitionAuto loans & leases | 81 | 34 | A |
| 4 | EA HoldingsAuto loans & leases | 3 | 33 | F |
| 5 | Innovate ManagedAuto loans & leases | 6 | 32 | F |
| 6 | Cooley EnterprisesAuto loans & leases | 8 | 31 | F |
| 7 | Challenge Financial ServicesAuto loans & leases | 5 | 27 | F |
| 8 | Atlantic Financial ServicesAuto loans & leases | - | 4 | - |
Compare side by side: Atlantic Financial Services vs The Savings Group · Atlantic Financial Services vs AC AutoPay LLC, Denver, CO Branch · Atlantic Financial Services vs CARS Acquisition · Atlantic Financial Services vs EA Holdings
What people say about Atlantic Financial Services
All experiencesNo experiences with Atlantic Financial Services yet. Yours would be the first on the record - and the one the next person reads.
Share yoursLatest Atlantic Financial Services complaints
Full log| Received | About | Issue | Answer |
|---|---|---|---|
| Jul 15, 2026 | Debt collection | Attempts to collect debt not owedDebt is not yours | Explained |
| Jun 17, 2026 | Payday & personal loans | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Apr 27, 2026 | Auto loans & leases | RepossessionVoluntary repossession | Explained |
| Mar 27, 2026 | Auto loans & leases | RepossessionNotice to repossess | Explained |
| Sep 21, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Sep 18, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Jul 15, 2025 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Jan 6, 2025 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Dec 27, 2024 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Dec 4, 2024 | Credit reporting | Improper use of your reportCredit inquiries on your report that you don't recognize | Explained |
| Oct 22, 2024 | Credit reporting | Problem with a company's investigation into an existing problemInvestigation took more than 30 days | Explained |
| Feb 23, 2024 | Debt collection | Threatened to contact someone or share information improperlyTalked to a third-party about your debt | Explained |
Questions about Atlantic Financial Services
How many complaints does Atlantic Financial Services have?
Atlantic Financial Services has 13 complaints on record since October 2023, including 4 in the last 12 months and 0 in the last 30 days. That makes it number 2,028 of every company by complaints this year.
Does Atlantic Financial Services respond to complaints?
Yes. Atlantic Financial Services answered 75% of its complaints on time (within 15 days) and closed 0% with relief - money back or a fix; 0% ended with money back. The rest were mostly closed with an explanation only.
What do people complain about most with Atlantic Financial Services?
The most common problems are repossession (2), problem with a company's investigation into an existing problem (2), attempts to collect debt not owed (1).
Is Atlantic Financial Services legit?
Atlantic Financial Services is a real company with a public complaint record: consumers have complained about it 13 times and it answers through the official complaint process. Whether it is right for you depends on the details - see is Atlantic Financial Services legit? for the signals, red flags and how to protect yourself.
How do I file a complaint against Atlantic Financial Services?
Complain to Atlantic Financial Services in writing first and keep a copy. If it isn't fixed, file an official complaint with the federal consumer financial regulator - the company must answer, usually within 15 days. Our step-by-step guide: how to file a complaint against a company. Then share your experience here so others know.
Where do most Atlantic Financial Services complaints come from?
Most come from North Carolina (8), Virginia (5). Big states file more complaints, so the map shows complaints per 100,000 people.
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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