Atlantic Credit & Finance, Inc.

"After seeing all of the negative comments I was fully prepared to do what everyone else was going to do which was stop payment if they didn’t answer the phone. On Friday around 4 PM I was calling and calling and was not getting a response so I decided to wait until today which is Monday and call. I called around 12:30 PM and my wait time was maybe eight minutes and I got on the phone with Misty and she was very very pleasant and she let me know how much my Balance was and she gave me her extension. So my best advice is to wait until regular business hours and give them a call! Now that I know what my balance is I can work towards that amount! Good luck!"

"It appears almost all of us have had the same experience with these unprofessional people. I have paid all of my debt, never been late, down to owing only 900 dollars from over 2000 dollars. I have been trying to reach them since June 24 of this year to get a balance. I have left messages each time I called and I have kept a journal on when I called and that I left a message. I finally called yesterday and told them in a message that I was stopping payment until someone calls me back, which I did. I happened to call them back today and I miraculously got a rep. I explained to her that I just wanted a balance and it went downhill from there. She was the rudest individual I believe I have ever encountered over the phone. She even asked me how I got paid and she had the nerve to ask me how the other people in my house get paid. I told her that I didn't have to tell her that because this is my debt. She told me that I did need to tell her that. I proceeded on without giving her that info. Then I told her that I had stopped payment and that I would be calling that payment in and they would not be getting it like all the other months by draft. She asked if my bank info was the same and that since she was not able to access those funds today when could they draft? I simply asked her did she try and get funds after I told her that I would call back with payment and she said "why are you accusing me of that". I knew i had to hang up or it was gonna make me lose my religion. I told her I couldn't talk with her and bye. Then I proceed to send an email to the cheif compliance officer. Let's see if we get anywhere with that."

"Definitely the worst company I've ever had to deal with!! I've called well over 20 times within the last few days trying to get in contact with ANYONE who can help me. Every time I did I would get redirected to Cassie Johnson and it ALWAYS went straight to voicemail. Finally I talked with the guy Billy who helped me set up my payment arrangement(not sure why he couldn't just help me the first time) and asked how many times I have to call before someone is actually available. He then got the supervisor Derek and he was able to help me FINALLY! I completely lost my patience with them. I told them to stop taking money out of my account because I don't have the funds right now and they promised that it is taken care of, but they aren't able to send me any type of confirmation. What?! Let's hope they are telling the truth! Ugh. Such a headache. If they contact you asking for money and try offering you deals you think you cant pass up, ignore it! They are a joke just like everyone else says. SCAM! SAM! SCAM!"

"I have no business with this company, no outstanding debts and do not wish to open any accounts with them, which I have told them many times and requested they remove me from whatever list I am on but they refuse and state they cannot tell me why they are calling until I say "yes". They have called my cell AND WORK numbers - always from a private/blocked number, so professional - with extremely shady practices (woman makes call & says she is a weird situation that Mr. Cooper, next time Mr. Hoover, will explain, then a man gets on the phone and begins pushy tactics to try to get information out of me and to get me to say the word "yes"). The next time they call, I will be recording and will press charges for harassment and fraud."

"I called to settle down the debt of my wife so we can move on. They told me that is already on a law firm and they provided me the contact information. Then I call the law firm and they told me that they send it back to them. I called them again and they told me that they send an email to there legal department about the account and it will take about 4 to 5 days to get an answer and there is no direct number to that department for you to call. I called about 4 days later and told me to call back tomorrow to check on the status cause they are still waiting on response from the email. I called again the next morning but still the same answer. I thought email can be seen few minutes after you send them. This company does not have a good ethics in handling things or they just taking there time and wasting mine. I wish I can give them a negative star instead. This is my first time that I heard that you cannot call a department on your company and they only do emails. This sound funny or this company is a joke or a big time SCAM. The people giving them 5 star probably they are employees for this and using them to get a 5 star. I think this company is fake."