C & F Finance Co

★★★☆☆
37.5245 -77.3549
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804-239-6960

4660 S Laburnum Ave

Richmond, VA

23231

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About C & F Finance Co

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3.4516 62
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I have had to deal w/ this company for several years. Typically the customer service department stinks. Very RUDE and hateful. My son just diagnosed w/ liver cancer and was told...."SO...you still have to make your pmt or we will repo your car". No compassion. They went so far as to CONTACT NEIGHBORS via telephone and discuss my business w/ them. I have turned in a report to the BBB. I know they cannot discuss my account with anyone else but me....so contacting my neighbors and telling them I was late (by 1 day!!!) on my account is against the law. I am finally paying off my loan with them and so glad to NEVER HAVE TO DEAL WITH THEM EVER AGAIN!

1
★☆☆☆☆

I have had to deal w/ this company for several years. Typically the customer service department stinks. Very RUDE and hateful. My son just diagnosed w/ liver cancer and was told...."SO...you still have to make your pmt or we will repo your car". No compassion. They went so far as to CONTACT NEIGHBORS via telephone and discuss my business w/ them. I have turned in a report to the BBB. I know they cannot discuss my account with anyone else but me....so contacting my neighbors and telling them I was late (by 1 day!!!) on my account is against the law. I am finally paying off my loan with them and so glad to NEVER HAVE TO DEAL WITH THEM EVER AGAIN!

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This company could really use an attitude adjustment. I understand all companies just want their money, but last time I checked it doesn't hurt to show your customers a little respect. My biggest complaint is most definitely the customer service. They kept me on the phone for over 20 minutes asking me the same account verifying questions over and over in order to answer one simple question I asked them. Once they asked all of their questions, their response to my question was simply rude. I don't care how redundant or silly my questions may seem to you, you are still representing a company I am utilizing and paying a good amount of money to, I deserve your help. Also, just to throw it out there, I have never in my life heard of a company that has absolutely no grace period, and will not let you pay split payments if you get into a bind with your pay periods. The lady made it seem like this was something I could do, and then continued onto ask me for my checking information. I asked, so will I be paying my normal amount- to which she replied "Oh no, you will be getting late fees and service charges" NO THANK YOU! They are absolutely no help and have no regard for you. Be careful what you get yourself into with them!

1
★☆☆☆☆

This company could really use an attitude adjustment. I understand all companies just want their money, but last time I checked it doesn't hurt to show your customers a little respect. My biggest complaint is most definitely the customer service. They kept me on the phone for over 20 minutes asking me the same account verifying questions over and over in order to answer one simple question I asked them. Once they asked all of their questions, their response to my question was simply rude. I don't care how redundant or silly my questions may seem to you, you are still representing a company I am utilizing and paying a good amount of money to, I deserve your help. Also, just to throw it out there, I have never in my life heard of a company that has absolutely no grace period, and will not let you pay split payments if you get into a bind with your pay periods. The lady made it seem like this was something I could do, and then continued onto ask me for my checking information. I asked, so will I be paying my normal amount- to which she replied "Oh no, you will be getting late fees and service charges" NO THANK YOU! They are absolutely no help and have no regard for you. Be careful what you get yourself into with them!

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I wish I had never gotten involved with this company. When I went to buy my car I had told them what I could afford to pay but the payment ended up being way more due to the high interest rate with C&F. I understand that I needed to repair my credit but this is ridiculous. My very first payment was due in mid-March and I mailed it 10 days in advance. They called me the day after the due day and said they hadn't gotten it. I assured them that I had mailed it in plenty of time to go from NC to VA very easily. They wanted me to submit another payment. I refused. After another 5 days, they still had not rec'd. my payment so I submitted another one via phone and paid extra fees... which were ridiculous! I stopped payment on the original check. I asked them to call me if they rec'd. the check. The second payment got there in 7 days but they posted it twice... which caused all hell to break loose on my bank account. They reimbursed me for the bank fees but I couldn't understand how in two payments I had so much go wrong. Eventually, I got a call from a C&F rep in early June to say that they had finally rec'd. that check that was lost and it was postmarked just as I had said it was. They called me when I was at the hospital right after undergoing a heart cath! I refuse to ever deal with them again and I am trying to figure out how to get out from under them now without telling them to take the car and shove it.

1
★☆☆☆☆

I wish I had never gotten involved with this company. When I went to buy my car I had told them what I could afford to pay but the payment ended up being way more due to the high interest rate with C&F. I understand that I needed to repair my credit but this is ridiculous. My very first payment was due in mid-March and I mailed it 10 days in advance. They called me the day after the due day and said they hadn't gotten it. I assured them that I had mailed it in plenty of time to go from NC to VA very easily. They wanted me to submit another payment. I refused. After another 5 days, they still had not rec'd. my payment so I submitted another one via phone and paid extra fees... which were ridiculous! I stopped payment on the original check. I asked them to call me if they rec'd. the check. The second payment got there in 7 days but they posted it twice... which caused all hell to break loose on my bank account. They reimbursed me for the bank fees but I couldn't understand how in two payments I had so much go wrong. Eventually, I got a call from a C&F rep in early June to say that they had finally rec'd. that check that was lost and it was postmarked just as I had said it was. They called me when I was at the hospital right after undergoing a heart cath! I refuse to ever deal with them again and I am trying to figure out how to get out from under them now without telling them to take the car and shove it.

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Not a very good company. Poor businesship. They must have a high turnover, I seldom talked to the same person more than once. Twice I set up a payment for a specific day (payday) and both times they posted the check the day we talked on the phone, saying that I requested that day. So the posted check bounces and I get another $30 added to the check that I am 1 week behind with already (yes I mean 1 week) that costed me another $30 for being late. Plus it costs $17 to pay by phone. I paid my vehicle off in April and have not recieved my title yet. It's July.
Yes they give high risk loans, but that doesn't change the rules of the engagement. Calling the home when late on a payment is ok. Sending written notice is ok. Calling place of business is ok if there has been a serious lapse. Calling those listed as personal references never ok (that is not going to make a person pay any faster). Making threats that extended family can be held accountable for your loan, not ok. Not making good on a title that has been paid for, very poor business.
No one wrong makes another wrong right.

1
★☆☆☆☆

Not a very good company. Poor businesship. They must have a high turnover, I seldom talked to the same person more than once. Twice I set up a payment for a specific day (payday) and both times they posted the check the day we talked on the phone, saying that I requested that day. So the posted check bounces and I get another $30 added to the check that I am 1 week behind with already (yes I mean 1 week) that costed me another $30 for being late. Plus it costs $17 to pay by phone. I paid my vehicle off in April and have not recieved my title yet. It's July.
Yes they give high risk loans, but that doesn't change the rules of the engagement. Calling the home when late on a payment is ok. Sending written notice is ok. Calling place of business is ok if there has been a serious lapse. Calling those listed as personal references never ok (that is not going to make a person pay any faster). Making threats that extended family can be held accountable for your loan, not ok. Not making good on a title that has been paid for, very poor business.
No one wrong makes another wrong right.

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My 2007 Camry was financed through C&F, I paid on time every month. the first letter I got from them was to tell me their address had changed to a p.o. box. I have never talked with one customer service rep or anyone, no one from this company calls me at home or work. I don't even know anything about this company. All I know is they treated me ery well because they have never called me for anything. Good Luck everybody!!!!! If they financea another car for me it will be okay.

5
★★★★★

My 2007 Camry was financed through C&F, I paid on time every month. the first letter I got from them was to tell me their address had changed to a p.o. box. I have never talked with one customer service rep or anyone, no one from this company calls me at home or work. I don't even know anything about this company. All I know is they treated me ery well because they have never called me for anything. Good Luck everybody!!!!! If they financea another car for me it will be okay.

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I'd give negative 5 stars if I could 18.9 percent interest rate $17 dollars a month cc charge 72 month loan $50 late fee these guys are scum and someone needs to do something about it they treat you like trash I pay my payment on time for the most part I'd say 9/12 mo this of the year yet I still get treated like trash it got so bad I said pick up your f""king car they say then you pay for something you dont have I say then you ropo something you can't sell cause I'm gonna beat it with a baseball bat and rub feces all on the inside realistically the economy is sh@t and hard working people never get out of debt because people like you pray on us I'm sure some of you are doing your job to provide I work rent to own but were not even as bad I go above and beyond to help people in these hard times you harass us talk down to us call us from your cell phones which I love I call them back at 2am on Sunday to say hello and see how they are doing I save all the numbers and the people on here defending you obviously work there because I've been 30 days late twice in 3 years and maybe a day or so the rest due to my payroll so I pay satisfactory I mean if someones 30 days every month for the length of the loan I could surely understand aggressive tactics I'm sure the employees are trained that way I know my company is cut throat I still treat people with dignity and respect there's one guy there I'd love to see him talk to me in my face like he does cause I'd be going to prison (PAUL) you third party phone gangster I do first party collections face to face in conclusion this is what's tearing our country apart CEO pricks forcing us hard working Americans to leach off each other and bleed one another dry some of you c&f employees are probably 2 weeks late on your tv or living room your renting from my industry wright now I could only wish it was my store lol we should all get together and go to DC and insist someone police these insane interest rates and illegal collection practices and ask why a company who received a $22,000,000 bailout refuses to help us

1
★☆☆☆☆

I'd give negative 5 stars if I could 18.9 percent interest rate $17 dollars a month cc charge 72 month loan $50 late fee these guys are scum and someone needs to do something about it they treat you like trash I pay my payment on time for the most part I'd say 9/12 mo this of the year yet I still get treated like trash it got so bad I said pick up your f""king car they say then you pay for something you dont have I say then you ropo something you can't sell cause I'm gonna beat it with a baseball bat and rub feces all on the inside realistically the economy is sh@t and hard working people never get out of debt because people like you pray on us I'm sure some of you are doing your job to provide I work rent to own but were not even as bad I go above and beyond to help people in these hard times you harass us talk down to us call us from your cell phones which I love I call them back at 2am on Sunday to say hello and see how they are doing I save all the numbers and the people on here defending you obviously work there because I've been 30 days late twice in 3 years and maybe a day or so the rest due to my payroll so I pay satisfactory I mean if someones 30 days every month for the length of the loan I could surely understand aggressive tactics I'm sure the employees are trained that way I know my company is cut throat I still treat people with dignity and respect there's one guy there I'd love to see him talk to me in my face like he does cause I'd be going to prison (PAUL) you third party phone gangster I do first party collections face to face in conclusion this is what's tearing our country apart CEO pricks forcing us hard working Americans to leach off each other and bleed one another dry some of you c&f employees are probably 2 weeks late on your tv or living room your renting from my industry wright now I could only wish it was my store lol we should all get together and go to DC and insist someone police these insane interest rates and illegal collection practices and ask why a company who received a $22,000,000 bailout refuses to help us

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O.k. unless you are5 days late,Then they will repo you,and they will get rude with you on the phone. Too old tomake such a foolish decision...mark my words soon there will be an law suit against them,just wait people,you will be in on it

1
★☆☆☆☆

O.k. unless you are5 days late,Then they will repo you,and they will get rude with you on the phone. Too old tomake such a foolish decision...mark my words soon there will be an law suit against them,just wait people,you will be in on it

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1 out of 1 people found this review helpful.

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The interest rate is absurd (and shameful), my car payment is almost as high as my rent, and I wish I had never gotten trapped in this loan; however, C&F has not been the pain that I thought they would be.

It was my fault for trading up and accepting the crappy loan, especially without doing my due diligence. The next day I looked up C&F, saw all of the negative feedback and immediately regretted my new car. I thought I would be harassed and insulted regularly, but in over 2 years, the only thing I've had to deal with - and only occasionally - is the incessant automated calls when I'm off by a day or two. I'll take that over a live call any day.

And for the one(s) who is blasting everyone about paying on time and clearing up credit; though you are right, you are clearly a C&F employee. There is no justification for bad customer service - none.

2
★★☆☆☆

The interest rate is absurd (and shameful), my car payment is almost as high as my rent, and I wish I had never gotten trapped in this loan; however, C&F has not been the pain that I thought they would be.

It was my fault for trading up and accepting the crappy loan, especially without doing my due diligence. The next day I looked up C&F, saw all of the negative feedback and immediately regretted my new car. I thought I would be harassed and insulted regularly, but in over 2 years, the only thing I've had to deal with - and only occasionally - is the incessant automated calls when I'm off by a day or two. I'll take that over a live call any day.

And for the one(s) who is blasting everyone about paying on time and clearing up credit; though you are right, you are clearly a C&F employee. There is no justification for bad customer service - none.

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OK, to all of the people who pay your bills on time, why are you at a secondary finance company? Obviously, you have had credit issues in the past! I have to agree with all who have been harassed by these so call reps from C&F. My payment was due on the 6th. I am being harassed for being 5 days late. I'm glad to know that I am not alone. Things happen and nobody is perfect! We may fall short sometimes and have to make sacrifices. I bet that the smart ass who is saying pay your bills on time work for the company.

5
★★★★★

OK, to all of the people who pay your bills on time, why are you at a secondary finance company? Obviously, you have had credit issues in the past! I have to agree with all who have been harassed by these so call reps from C&F. My payment was due on the 6th. I am being harassed for being 5 days late. I'm glad to know that I am not alone. Things happen and nobody is perfect! We may fall short sometimes and have to make sacrifices. I bet that the smart ass who is saying pay your bills on time work for the company.

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I have to agree with everyones review, that anyone should avoid C&F Finance at any costs. The dealership set up my loan 3 different times, and THEY chose C&F, not me. I wish now they would have turned me down, maybe they did? I ran into a situation working out of state, money is tight and I have fallen behind (10 days). I called them 1 week in advance of payment due and they said no problem, send in when you can, i asked of late fees, they said there was none. I then realized the next day that I would not get paid until 2 days later than I said I would pay. I promptly called them to notify and several people (tammy, mrs Klein) did nothing but ridicule me, treat me like a dog, raise their voice etc. These people have no compassion, and I would think they will all rot in hell for treating customers in such a way. I have been in customer service my entire life, and would never treat a customer with such disrespect, even when they owe me money! I agree they are very shady, and their employees all possess one skill, RUDENESS!! *Ask the dealer who they are using for finance..I didnt and I am paying the price now!

1
★☆☆☆☆

I have to agree with everyones review, that anyone should avoid C&F Finance at any costs. The dealership set up my loan 3 different times, and THEY chose C&F, not me. I wish now they would have turned me down, maybe they did? I ran into a situation working out of state, money is tight and I have fallen behind (10 days). I called them 1 week in advance of payment due and they said no problem, send in when you can, i asked of late fees, they said there was none. I then realized the next day that I would not get paid until 2 days later than I said I would pay. I promptly called them to notify and several people (tammy, mrs Klein) did nothing but ridicule me, treat me like a dog, raise their voice etc. These people have no compassion, and I would think they will all rot in hell for treating customers in such a way. I have been in customer service my entire life, and would never treat a customer with such disrespect, even when they owe me money! I agree they are very shady, and their employees all possess one skill, RUDENESS!! *Ask the dealer who they are using for finance..I didnt and I am paying the price now!

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Worst company every. They are rude and threating. Only a few people understand and have a heart which were willing to work with you. If I knew this company was like this I would have never taken the car loan through them. Can't wait til

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I've been with C and F for a Year and I've never had a problem with them. Hard to believe. They've been nothing very professional with me.

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Be very careful, I just found out today that they CHARGED off my loan on my credit report and that loan was PAID IN FULL last year! I hate that fn company, they are the worst I have ever dealt with and if that Stacy sends me one more

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Run and I mean far away from this business. I've only had my loan with them for 6 months. I have never had a late payment, yet they still call me every month for this, or to see when I'll be making my payment. I HAVE NEVER BEEN SO

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Run and I mean far away from this business. I've only had my loan with them for 6 months. I have never had a late payment, yet they still call me every month for this, or to see when I'll be making my payment. I HAVE NEVER BEEN SO

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I can relate to everyone, this sight should have a negative star rating...they don't even deserve a poor star!!!!.....I was diagnosed with cancer, had a hard time paying bills period...tried to work things out with this company...what did

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I can relate to everyone, this sight should have a negative star rating...they don't even deserve a poor star!!!!.....I was diagnosed with cancer, had a hard time paying bills period...tried to work things out with this company...what did

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Everything you guys are saying is true. I've been in this loan with these jacka**es since 2006. They have gone as far as contacting ppl on my friends list on Facebook. People I haven't seen in 30 yrs and know nothing about, got inboxes

6
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Everything you guys are saying is true. I've been in this loan with these jacka**es since 2006. They have gone as far as contacting ppl on my friends list on Facebook. People I haven't seen in 30 yrs and know nothing about, got inboxes

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I didn't want to give the one star even - worse than 0!!\r
\r
I actually was two days late on my car payment and I called them and said I wanted to make my car payment on Friday when I got paid.\r
\r
The girl that I spoke with was the

6
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I didn't want to give the one star even - worse than 0!!\r
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I actually was two days late on my car payment and I called them and said I wanted to make my car payment on Friday when I got paid.\r
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The girl that I spoke with was the

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I too recently fell on hard times with this company. I was a victim of a lost debit card/credit card and didn't know I had lost it. When I did found out my bank account had been cleaned. When I called C&F to let them know what happened and

6
★★★★★

I too recently fell on hard times with this company. I was a victim of a lost debit card/credit card and didn't know I had lost it. When I did found out my bank account had been cleaned. When I called C&F to let them know what happened and

.

I was taught as a child to be kind and respectful to everyone......that was how I attempted to speak with these VULTURES! Harrassment is putting in kindly. The treatment you receive is more like that of a loan shark threatening to break

6
★★★★★

I was taught as a child to be kind and respectful to everyone......that was how I attempted to speak with these VULTURES! Harrassment is putting in kindly. The treatment you receive is more like that of a loan shark threatening to break

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i was doing good paying my car note for a year and a half then i had in acident i lost my left thumb so it put me out of work. When i got back to work. the work got slow and everyone knows unenployment tdont pay that good so i got behind

6
★★★★★

i was doing good paying my car note for a year and a half then i had in acident i lost my left thumb so it put me out of work. When i got back to work. the work got slow and everyone knows unenployment tdont pay that good so i got behind

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I have been sitting here reading all the reviews about this company and I agree with you all. I did not know this company was like this. They are theives!!!! I'm usually 3-5 days late and there is fees attached each day you're late. That

6
★★★★★

I have been sitting here reading all the reviews about this company and I agree with you all. I did not know this company was like this. They are theives!!!! I'm usually 3-5 days late and there is fees attached each day you're late. That

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I agree they are so rude and pushy ...They have even stalked me on facebook ..Can't wait till I get out

6
★★★★★

I agree they are so rude and pushy ...They have even stalked me on facebook ..Can't wait till I get out

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C&F finance is rude and pushy. I got a car loan with them three years ago and I regret it. Every month they call me constantly even though I paid my car payment before it is due. The customer reps keep telling me they have not recieved

6
★★★★★

C&F finance is rude and pushy. I got a car loan with them three years ago and I regret it. Every month they call me constantly even though I paid my car payment before it is due. The customer reps keep telling me they have not recieved

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As long as I've had my loan,I haven't had any problems with customer service. I wouldn't get another loan with them due to the high interest, but when I buy another vehicle I will be a better spot.

6
★★★★★

As long as I've had my loan,I haven't had any problems with customer service. I wouldn't get another loan with them due to the high interest, but when I buy another vehicle I will be a better spot.

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This is the worst company I've ever had to deal with. It's bad when their managers are just as dumb as 90% of their customer service reps. I just had the exact same experience as kay75 but luckily my bank cancelled the payment but I'm

6
★★★★★

This is the worst company I've ever had to deal with. It's bad when their managers are just as dumb as 90% of their customer service reps. I just had the exact same experience as kay75 but luckily my bank cancelled the payment but I'm

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I have no words to describe the idoits that they have working here .my husband called in to make a payment instead of waiting for the automated payment . I knew it was a bad idea cause these people are so far behind in there customer

6
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I have no words to describe the idoits that they have working here .my husband called in to make a payment instead of waiting for the automated payment . I knew it was a bad idea cause these people are so far behind in there customer

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Granted all of us had credit problems in the past and we are trying to get back on our feet. When I bought my car, the Dealer got my loan done and he said C & F gave the best rate. Yeah right. I had my car for over a year, and had nothing

6
★★★★★

Granted all of us had credit problems in the past and we are trying to get back on our feet. When I bought my car, the Dealer got my loan done and he said C & F gave the best rate. Yeah right. I had my car for over a year, and had nothing

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I would have never thought that it would have to come this. We recently fell on some hard times and was not able to pay our care note when it was due. So I called to get a deferment for a month so that we could make ends meet. Well the

6
★★★★★

I would have never thought that it would have to come this. We recently fell on some hard times and was not able to pay our care note when it was due. So I called to get a deferment for a month so that we could make ends meet. Well the

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Sadly I decided to read all the reviews AFTER we had bought our new car that sadly is financed with C & F Finance....but like most people are saying their customer service is the worst I have ever seen. My husband and I always make our

6
★★★★★

Sadly I decided to read all the reviews AFTER we had bought our new car that sadly is financed with C & F Finance....but like most people are saying their customer service is the worst I have ever seen. My husband and I always make our

.

I've read other people reviews and pretty much I have to agree. They want to repo my car for being a month late. Just got off the phone with them and told them, I can make a payment for April and I could pay for May next friday. They said

6
★★★★★

I've read other people reviews and pretty much I have to agree. They want to repo my car for being a month late. Just got off the phone with them and told them, I can make a payment for April and I could pay for May next friday. They said

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so i went to a dealership bought a car through them..in the 16 months i have been a customer i have paid monthly...recently called them to get a statement on how much the payoff amount was...to find out i have paid about $6500 in the 16

6
★★★★★

so i went to a dealership bought a car through them..in the 16 months i have been a customer i have paid monthly...recently called them to get a statement on how much the payoff amount was...to find out i have paid about $6500 in the 16

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I have read both the bad and good reviews of this company. I have also dealt with this company now for two years and my experience has not been the best. I am not placing fault on anyone for my payment being one or even ten days late, that

6
★★★★★

I have read both the bad and good reviews of this company. I have also dealt with this company now for two years and my experience has not been the best. I am not placing fault on anyone for my payment being one or even ten days late, that

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C & F Finance Company has been the absolute worst to deal with. I have been on time, every time with my car payment and even had THEM do an automatic payment for the car note. This company had the audacity to call me and tell me that I

6
★★★★★

C & F Finance Company has been the absolute worst to deal with. I have been on time, every time with my car payment and even had THEM do an automatic payment for the car note. This company had the audacity to call me and tell me that I

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C&F Finance company is horrible. They don't have any customer service skills at all. My wife and I bought a new car in Lexington KY a year ago and they financed us through C&F. After paying for a year our principle amount on the loan

6
★★★★★

C&F Finance company is horrible. They don't have any customer service skills at all. My wife and I bought a new car in Lexington KY a year ago and they financed us through C&F. After paying for a year our principle amount on the loan

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my husband and i bought a new vehicle the month before he was deployed for a year because we were expecting our 2nd child. the first month our payment was due our allotment hadnt gone thru yet and between my husband leaving i didnt think about it, it being a hard time and it being just the first month it was due. they called threatening to repo our only car if i didnt pay them that minute. i of course was in tears, i finally got it all fixed and the allotment going threw, well the second month my payment was due the sent our money back saying it was already paid, then a week later called saying we were late again. i finally got that fixed, but come the third month the called 2 days before mt due date and asked why the allotment hadnt come threw, i told them that it wasnt due yet and that it comes out the same time for everyone who has one set up threw the military, they told me that was good enough, so being pregnant, tired of chasing a 3yr old and sad from missing my deployed husband, i simply told them to get over it and suck it up they get their money every month without fail.

i am now trying to get rid of this truck because of these ppl and i asked if i sold it back to the car lot could i give them two separate payments to pay it off, they said i wasnt allowed to do that, that they wouldnt take two different payment types. the only thing i know left to do is let them repo it. they are horrible HORRIBLE people

1
★☆☆☆☆

my husband and i bought a new vehicle the month before he was deployed for a year because we were expecting our 2nd child. the first month our payment was due our allotment hadnt gone thru yet and between my husband leaving i didnt think about it, it being a hard time and it being just the first month it was due. they called threatening to repo our only car if i didnt pay them that minute. i of course was in tears, i finally got it all fixed and the allotment going threw, well the second month my payment was due the sent our money back saying it was already paid, then a week later called saying we were late again. i finally got that fixed, but come the third month the called 2 days before mt due date and asked why the allotment hadnt come threw, i told them that it wasnt due yet and that it comes out the same time for everyone who has one set up threw the military, they told me that was good enough, so being pregnant, tired of chasing a 3yr old and sad from missing my deployed husband, i simply told them to get over it and suck it up they get their money every month without fail.

i am now trying to get rid of this truck because of these ppl and i asked if i sold it back to the car lot could i give them two separate payments to pay it off, they said i wasnt allowed to do that, that they wouldnt take two different payment types. the only thing i know left to do is let them repo it. they are horrible HORRIBLE people

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UPDATE...

This company now utilizes Facebook and MySpace to investigate/ send emails to anyone that appears to be associated with you or your page...even if you are a DAY late...

If you have a not-so clean credit history...save your money and buy a nice used vehicle free and clear..within your budget. Do not make an impulsive buy. Play it smart...as this company will linger like a stale FART!

1
★☆☆☆☆

UPDATE...

This company now utilizes Facebook and MySpace to investigate/ send emails to anyone that appears to be associated with you or your page...even if you are a DAY late...

If you have a not-so clean credit history...save your money and buy a nice used vehicle free and clear..within your budget. Do not make an impulsive buy. Play it smart...as this company will linger like a stale FART!

Pros: absolutely ZERO

Cons: high rates, fees, nuisance

.

People that are complaining are all people that are behind on their payments. No one that is current and pays their bills are complaining. See the pattern?

I have a loan with them for my 300c and I have fell behind a few days and one time they even deferred a payment for me because I had been sick for 3 weeks.

Everytime I call they are helpful and always are friendly. One time an African American rep there was a little cocky on the phone but started being nice after I joked around with him about something. They have a tough job and have to listen to people over the phone that are late paying make up excuses. All they care about is when are you going to pay them back the money that they LOANED TO YOU.

You should be thankful someone gave you a loan and certainly if you used C&F you were rejected by other banks and they HELPED You get your car or loan. They are taking huge risks in the economy and to ensure they are able to help others they must make sure you pay. Simple business 101.

If you loaned someone thousand of dollars you did not know personally and they avoided you and were late paying would you just ignore them? I think not.

I'm a customer of C&F finance now for over 5 years. Rates are high but they took a risk on me.

5
★★★★★

People that are complaining are all people that are behind on their payments. No one that is current and pays their bills are complaining. See the pattern?

I have a loan with them for my 300c and I have fell behind a few days and one time they even deferred a payment for me because I had been sick for 3 weeks.

Everytime I call they are helpful and always are friendly. One time an African American rep there was a little cocky on the phone but started being nice after I joked around with him about something. They have a tough job and have to listen to people over the phone that are late paying make up excuses. All they care about is when are you going to pay them back the money that they LOANED TO YOU.

You should be thankful someone gave you a loan and certainly if you used C&F you were rejected by other banks and they HELPED You get your car or loan. They are taking huge risks in the economy and to ensure they are able to help others they must make sure you pay. Simple business 101.

If you loaned someone thousand of dollars you did not know personally and they avoided you and were late paying would you just ignore them? I think not.

I'm a customer of C&F finance now for over 5 years. Rates are high but they took a risk on me.

Pros: Great customer service!

Cons: none so far

.

All of you people complaining about this company are pathetic. Make your FULL payment on time and youll be fine. No one is out to get you or repo your car...its your fault that you let it get that far!

5
★★★★★

All of you people complaining about this company are pathetic. Make your FULL payment on time and youll be fine. No one is out to get you or repo your car...its your fault that you let it get that far!

Pros: strict

.

Someone posted on here ( I am sure it was Doug Dow) that if we just paid our payment then there would be no problems>?!!!!!!!!!!!!! Well little do they tell you that they can post your payment any way that they see fit and if that throws you in default then so be it! They have persued legal action on me since they have re-poed my car, I am going to court and let the judge see all of my evidence ( I am going with a lawyer I should add!) and let him see the number of phone calls that my family, friends and the embarrasement that they caused me on my job! I love paybacks if I loose I still will have the benefit of letting them know that I fought them and was not afraid to come to Henrico County Courthouse!

1
★☆☆☆☆

Someone posted on here ( I am sure it was Doug Dow) that if we just paid our payment then there would be no problems>?!!!!!!!!!!!!! Well little do they tell you that they can post your payment any way that they see fit and if that throws you in default then so be it! They have persued legal action on me since they have re-poed my car, I am going to court and let the judge see all of my evidence ( I am going with a lawyer I should add!) and let him see the number of phone calls that my family, friends and the embarrasement that they caused me on my job! I love paybacks if I loose I still will have the benefit of letting them know that I fought them and was not afraid to come to Henrico County Courthouse!

Pros: Big promises

Cons: then they lie!

.

awful company

1
★☆☆☆☆

awful company

Cons: horrible

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Even in light of our nations economic downfall..people losing steady work etc..this company will not even CONSIDER working with the customer on rate and payment recalculation.

One would think that an auto finance company would much PREFER making an arrangement versus taking posession of a potentially questionable vehicle and time/fees of their own associated with potential repair and resale.

They ask for the buyer to list 5 references...but they do not tell the buyer that they will call any of these people looking for your ass if you are a moment late on a payment! No where in the type does it say or allow that..it was explained as part of the review/decision process.

They will dial your phone incessantly with variations of their main phone number..along with phone numbers from the 757, 703, & 540 area codes.

They will also send creepy looking people to put a note on your door or vehicle ( as described by my neighbor)

I have truly only encountered one polite person on the phone and try to contact that individual only when there is an issue.

If you need a car..save up your money and buy a used one outright versus using this company. You will be much happier..I assure you...

1
★☆☆☆☆

Even in light of our nations economic downfall..people losing steady work etc..this company will not even CONSIDER working with the customer on rate and payment recalculation.

One would think that an auto finance company would much PREFER making an arrangement versus taking posession of a potentially questionable vehicle and time/fees of their own associated with potential repair and resale.

They ask for the buyer to list 5 references...but they do not tell the buyer that they will call any of these people looking for your ass if you are a moment late on a payment! No where in the type does it say or allow that..it was explained as part of the review/decision process.

They will dial your phone incessantly with variations of their main phone number..along with phone numbers from the 757, 703, & 540 area codes.

They will also send creepy looking people to put a note on your door or vehicle ( as described by my neighbor)

I have truly only encountered one polite person on the phone and try to contact that individual only when there is an issue.

If you need a car..save up your money and buy a used one outright versus using this company. You will be much happier..I assure you...

Pros: none.

Cons: rude, stalkers, don't list friends as references

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To those of you complaining about C&F Finance,

Think about this.... YOU chose to go with this company. It was YOUR responsibility to do the research about the practices of this company before signing the paper. It was/is YOUR responsibility to make your payments on time, and review all of the terms and conditions of your loan. The economy has been a messed up for years now, it is up to YOU to budget your finances, and not expect your creditors to kiss your butts. Everyone has hardship, some worse than others, but making excuses and avoiding the problems just make them worst.

Maybe if you keep your credit clean, you would not have to deal with this secondary company. Maybe you could be with a company that would allow more flexibility with payments and hardships.

One person complained about an extension, but this is a courtsey!! No company is obligated to give you an extension, SUCK IT UP!! Either pay the bill, or turn the d**n car in!

Each of you need to take a course in managing your finances, and stop crying because your broke! IF YOU CAN'T AFFORD IT....DON'T BUY IT!! Don't blame the company and it's employees for your downfalls or hardships. . I'm sure no other company is willing to finance you otherwise you'd be with them and not writing these bitter reviews!!
YOU were the dumb a** that signed the loan..DEAL WITH IT!!

5
★★★★★

To those of you complaining about C&F Finance,

Think about this.... YOU chose to go with this company. It was YOUR responsibility to do the research about the practices of this company before signing the paper. It was/is YOUR responsibility to make your payments on time, and review all of the terms and conditions of your loan. The economy has been a messed up for years now, it is up to YOU to budget your finances, and not expect your creditors to kiss your butts. Everyone has hardship, some worse than others, but making excuses and avoiding the problems just make them worst.

Maybe if you keep your credit clean, you would not have to deal with this secondary company. Maybe you could be with a company that would allow more flexibility with payments and hardships.

One person complained about an extension, but this is a courtsey!! No company is obligated to give you an extension, SUCK IT UP!! Either pay the bill, or turn the d**n car in!

Each of you need to take a course in managing your finances, and stop crying because your broke! IF YOU CAN'T AFFORD IT....DON'T BUY IT!! Don't blame the company and it's employees for your downfalls or hardships. . I'm sure no other company is willing to finance you otherwise you'd be with them and not writing these bitter reviews!!
YOU were the dumb a** that signed the loan..DEAL WITH IT!!

.

I cant beleive it the repoed my car last year and called today after taking June and July's payment out of my savings account and wouldnt debit August's and then wanted to tell me I was late>?????? I am taking my car to a neutral spot and letting them pick it up I will not EVER fall for this scheme again, I didnt hear from them in months and then they called and said I was 90 days late and then they called and said I was 42 days late! Then called me on my job today and said they were picking up my car?????????? DONT EVER DO BUSINESS WITH THESE PEOPLE~! I HAVE TURNED THEM IN TO THE PEOPLE WHICH IT WILL NOT LET ME TYPE IN HERE THAT DOES NOT DO BUSINESS IN A DECENT MANNER IT HAS INITIALS! YOU CAN FIGURE THAT ONE OUT !

1
★☆☆☆☆

I cant beleive it the repoed my car last year and called today after taking June and July's payment out of my savings account and wouldnt debit August's and then wanted to tell me I was late>?????? I am taking my car to a neutral spot and letting them pick it up I will not EVER fall for this scheme again, I didnt hear from them in months and then they called and said I was 90 days late and then they called and said I was 42 days late! Then called me on my job today and said they were picking up my car?????????? DONT EVER DO BUSINESS WITH THESE PEOPLE~! I HAVE TURNED THEM IN TO THE PEOPLE WHICH IT WILL NOT LET ME TYPE IN HERE THAT DOES NOT DO BUSINESS IN A DECENT MANNER IT HAS INITIALS! YOU CAN FIGURE THAT ONE OUT !

Cons: Worst people I have ever dealt with~!

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RECORD EVERY CONVERSATION YOU HAVE WITH THESE PEOPLE!!!! WRITE DOWN DATE, TIME, AND WHO YOU SPOKE WITH. AND TAKE STRAIGHT TO YOUR ATTORNEY IF YOU DON'T HAVE ONE, CALL LEGAL-AID. THESE ARE THE RUDEST PEOPLE I HAVE EVER DEALT WITH IN MY LIFE. I HAVE WORKED IN FINANCE FOR OVER EIGHT YEARS AND TOTALLY AWARE OF WHAT CAN AND CANT BE DONE. I SEND IN CKS TO HOLD FOR PYMNT ON THE END OF EVERY MONTH AND HAVE DONE THIS THE WHOLE TIME I'VE HAD MY VEHICLE. I CAN'T HELP IF THE MAIL DOESNT GET IT THERE, AND IF THEY WOULDNT CHARGE $16.00 FOR A PHONE PYMNT THEY WOULD HAVE PYMNT SOONER. I CANT HELP I GOT LAID-OFF AND UNEMPLOYMENT CHECKS ARE NOT THAT MUCH, I HAVE TO BUDGET. IF THE CRAZY WITCH TINA E-V-E-R CALLS ME AGAIN, I WILL DRIVE TO RICHMOND VA MYSELF!!!!!! MY ATTORNEY HAS ADVISED ME TO RECORD AND KEEP A JOURNAL OF WHO WHAT WHERE WHEN AND WHY... AT THIS POINT, IF THE HARRASSMENT CONTINUES, I WILL HAVE MY CAR FOR FREE!!!!! NOW KEEP IT UP TINA, I'LL HAVE A PAID FOR VEHICLE AND YOUR JOB - WITCH!!!

1
★☆☆☆☆

RECORD EVERY CONVERSATION YOU HAVE WITH THESE PEOPLE!!!! WRITE DOWN DATE, TIME, AND WHO YOU SPOKE WITH. AND TAKE STRAIGHT TO YOUR ATTORNEY IF YOU DON'T HAVE ONE, CALL LEGAL-AID. THESE ARE THE RUDEST PEOPLE I HAVE EVER DEALT WITH IN MY LIFE. I HAVE WORKED IN FINANCE FOR OVER EIGHT YEARS AND TOTALLY AWARE OF WHAT CAN AND CANT BE DONE. I SEND IN CKS TO HOLD FOR PYMNT ON THE END OF EVERY MONTH AND HAVE DONE THIS THE WHOLE TIME I'VE HAD MY VEHICLE. I CAN'T HELP IF THE MAIL DOESNT GET IT THERE, AND IF THEY WOULDNT CHARGE $16.00 FOR A PHONE PYMNT THEY WOULD HAVE PYMNT SOONER. I CANT HELP I GOT LAID-OFF AND UNEMPLOYMENT CHECKS ARE NOT THAT MUCH, I HAVE TO BUDGET. IF THE CRAZY WITCH TINA E-V-E-R CALLS ME AGAIN, I WILL DRIVE TO RICHMOND VA MYSELF!!!!!! MY ATTORNEY HAS ADVISED ME TO RECORD AND KEEP A JOURNAL OF WHO WHAT WHERE WHEN AND WHY... AT THIS POINT, IF THE HARRASSMENT CONTINUES, I WILL HAVE MY CAR FOR FREE!!!!! NOW KEEP IT UP TINA, I'LL HAVE A PAID FOR VEHICLE AND YOUR JOB - WITCH!!!

Pros: THEY CAN FINANCE YOU

Cons: RUDE EMPLOYEES

.

I was a customer with this company and recently came into some hard times. Not gonna go into a long story but i was a payment behind according to these full of bologna people and was threatened with repo. I asked how they came up with that and was told they are a special finance company so they can apply the payment to whatever they wanted to apply it to meaning they applied it to interest so that's how i became behind. So in doing that it really messed me up and i didn't know where i was in payments but i was still making them. However in january i get a call that i needed to make two payments before that week was out. i told them i was gonna make it on friday and did and on saturday someone was at my door to take my van and i had just made the payment. THAT WAS THE WORST THING EVER!! i was so ticked off because i'm a single mother of four now with no transportation. im currently renting a van now. They took my money and still took my van and sold it and expects me to pay for the rest. they can wait till hell freezes over because that was wrong. This place is an absolute rip off and i hope someone realizes it soon and shuts them down. please think twice before financing with this sorry and rude company.

1
★☆☆☆☆

I was a customer with this company and recently came into some hard times. Not gonna go into a long story but i was a payment behind according to these full of bologna people and was threatened with repo. I asked how they came up with that and was told they are a special finance company so they can apply the payment to whatever they wanted to apply it to meaning they applied it to interest so that's how i became behind. So in doing that it really messed me up and i didn't know where i was in payments but i was still making them. However in january i get a call that i needed to make two payments before that week was out. i told them i was gonna make it on friday and did and on saturday someone was at my door to take my van and i had just made the payment. THAT WAS THE WORST THING EVER!! i was so ticked off because i'm a single mother of four now with no transportation. im currently renting a van now. They took my money and still took my van and sold it and expects me to pay for the rest. they can wait till hell freezes over because that was wrong. This place is an absolute rip off and i hope someone realizes it soon and shuts them down. please think twice before financing with this sorry and rude company.

Pros: NONE

Cons: ALWAYS OUT TO GET YOU

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PLEASE DO NOT GET FINANCING THRO THIS SHADDY,THE MOST UNETHICAL ,UNPROFESSIONAL ,INCONSIDERATE COMPANY.I'VE FINANCED MY CAR WITH THEM SINCE 2005 BEEN LATE (5 DAYS) ONCE, THEN I ENCOUNTERED A RUFF TIME IN FEB CALLED THEM TO INFORM THEM OF MY SITUATION AND TO TRY AND WORK SOMETHNG OUT.THEY TOTALLY DECLINED INFACT MADE FUN OF MY REQUEST, CALLED ME OVER 15 TIMES IN A 3 DAY PERIOD.AM IN THE PROCESS OF FILING A FEDERAL COMPLIANT

2
★★☆☆☆

PLEASE DO NOT GET FINANCING THRO THIS SHADDY,THE MOST UNETHICAL ,UNPROFESSIONAL ,INCONSIDERATE COMPANY.I'VE FINANCED MY CAR WITH THEM SINCE 2005 BEEN LATE (5 DAYS) ONCE, THEN I ENCOUNTERED A RUFF TIME IN FEB CALLED THEM TO INFORM THEM OF MY SITUATION AND TO TRY AND WORK SOMETHNG OUT.THEY TOTALLY DECLINED INFACT MADE FUN OF MY REQUEST, CALLED ME OVER 15 TIMES IN A 3 DAY PERIOD.AM IN THE PROCESS OF FILING A FEDERAL COMPLIANT

Pros: WORST

Cons: MOST UNETHICAL AWARD WINNER

.

Okay so I've had my loan with C&F for two plus years and have been on time before time since payment month number one. Well this month, I was almost twenty days late (due date - Feb. 16th) and the harrassing calls began. I was out of town on business and didn't check my home voicemail often because all of my friends, family and co-workers used my work phone or email to reach me while I was away. I received five messages in five days from a C&F rep and made a mental note to call them upon my return home because I knew it couldn't be that urgent considering that I am always on time and I wasn't a whole 30 days late yet. That's when they started calling family members - godparents, cousins - they even called my aunts ex husbands house. How in the world they knew how to contact any of these individuals is beyond me, but they did! Imagine how embarrassing that is. Did they think that in twenty days I had skipped town on them? Are they serious? Once I started being contacted by my relatives - I sent the payment via Western Union from out of town instead of mailing in a check when I got back home. It was just disgusting how they handled it. I am so sure that there are people who are more than twenty days past due that they need to stalk, but surely not me. That action right there has caused me to not refer or do business with them any longer. In these touch economic times no one needs any unnecessary hassle... I opted to take the remaining balance out of my 401k and pay the darn car off. It's worth the 401k penalty. Now you know - that is plum ridiculous.

Stay away from C&F! You've been warned!!

1
★☆☆☆☆

Okay so I've had my loan with C&F for two plus years and have been on time before time since payment month number one. Well this month, I was almost twenty days late (due date - Feb. 16th) and the harrassing calls began. I was out of town on business and didn't check my home voicemail often because all of my friends, family and co-workers used my work phone or email to reach me while I was away. I received five messages in five days from a C&F rep and made a mental note to call them upon my return home because I knew it couldn't be that urgent considering that I am always on time and I wasn't a whole 30 days late yet. That's when they started calling family members - godparents, cousins - they even called my aunts ex husbands house. How in the world they knew how to contact any of these individuals is beyond me, but they did! Imagine how embarrassing that is. Did they think that in twenty days I had skipped town on them? Are they serious? Once I started being contacted by my relatives - I sent the payment via Western Union from out of town instead of mailing in a check when I got back home. It was just disgusting how they handled it. I am so sure that there are people who are more than twenty days past due that they need to stalk, but surely not me. That action right there has caused me to not refer or do business with them any longer. In these touch economic times no one needs any unnecessary hassle... I opted to take the remaining balance out of my 401k and pay the darn car off. It's worth the 401k penalty. Now you know - that is plum ridiculous.

Stay away from C&F! You've been warned!!

Pros: too easy to get a loan

Cons: harrassing phone calls and threatening correspondence

.

Okay so with the economy the way it is spiraling downhill who in the world needs insensitive, uncompassionate service providers to have to deal with. My January car payment was not even 30 days late before Valerie started calling me every single day. She finally reached me over the weekend and I told her that I was going to make the payment on Monday. She told me that the payment would be unacceptable because they had to have it that day (Saturday). She told me to go to a Western Union or Money Gram to send my payment and I told her that I don't have extra funds to do that. She blatantly told me that I had no choice because they were setting me up for repossession on Monday so if I didn't want to be repossessed, I had better make my payment that day. Are you serious? Not even 30 whole days late and ya'll are THREATENING repo? Really? Well I still sent it on Monday and I have saved and recorded all of our conversations. I am absolutely sick to death of C&F Finance Company. They are nothing but a bunch of bullies and the madness needs to stop. They will eventually fold anyway so I am no longer going to worry. My next payment is due this week and I am going to send it on time and try to stay on top of it from here on out because I cannot STAND - I mean I DESPISE their so called customer service. You can't tell me that their employees have never fallen behind on something. It happens to the best of us. LEAVE US ALONE!
My suggestion would be to not get involved with this company. This is my second time around with them and you would think that they would be more flexible with a repeat customer. Had I had this same experience the first go round - I would have opted NOT to go with them again. But they were okay the first time I dealt with them with my other vehicle, but this time is just the PITS! They don't have to worry about me ANYMORE after August... My second vehicle with them will be paid off and good riddens C&F...harrass someone else's family!

1
★☆☆☆☆

Okay so with the economy the way it is spiraling downhill who in the world needs insensitive, uncompassionate service providers to have to deal with. My January car payment was not even 30 days late before Valerie started calling me every single day. She finally reached me over the weekend and I told her that I was going to make the payment on Monday. She told me that the payment would be unacceptable because they had to have it that day (Saturday). She told me to go to a Western Union or Money Gram to send my payment and I told her that I don't have extra funds to do that. She blatantly told me that I had no choice because they were setting me up for repossession on Monday so if I didn't want to be repossessed, I had better make my payment that day. Are you serious? Not even 30 whole days late and ya'll are THREATENING repo? Really? Well I still sent it on Monday and I have saved and recorded all of our conversations. I am absolutely sick to death of C&F Finance Company. They are nothing but a bunch of bullies and the madness needs to stop. They will eventually fold anyway so I am no longer going to worry. My next payment is due this week and I am going to send it on time and try to stay on top of it from here on out because I cannot STAND - I mean I DESPISE their so called customer service. You can't tell me that their employees have never fallen behind on something. It happens to the best of us. LEAVE US ALONE!
My suggestion would be to not get involved with this company. This is my second time around with them and you would think that they would be more flexible with a repeat customer. Had I had this same experience the first go round - I would have opted NOT to go with them again. But they were okay the first time I dealt with them with my other vehicle, but this time is just the PITS! They don't have to worry about me ANYMORE after August... My second vehicle with them will be paid off and good riddens C&F...harrass someone else's family!

Pros: Supposedly they finance you if you can't get financing anywhere else

Cons: EVERYTHING ELSE.

.

The number that they have on file, belongs to a Verzon cellphone, some sort. After reading all the complaints about this company. I wish I knew this before I bought my car. It seems like the whole set up from the dealership to this C & F Finance Comany, they bothwere shady. Something needs to be done about this company. I have talked to and Attorney concerning these matters. Something needs to be done about this company. This company has no right too treat their custumers this way. If I have any more complaints, harrassing phone calls, I will take it too my lawyer. And something will be done...

A little advise. If this company calls youand threatens you anymore... YOU SHOULD RECORD EVERY PHONE CALL THAT THEY MAKE TO YOU> HAVE IT ON FILE AS YOUR PROOF.... LIKE I HAVE... I HAVE PLENTY of Lies and threats that they have said too me, and threats... Two can play this GAME...

1
★☆☆☆☆

The number that they have on file, belongs to a Verzon cellphone, some sort. After reading all the complaints about this company. I wish I knew this before I bought my car. It seems like the whole set up from the dealership to this C & F Finance Comany, they bothwere shady. Something needs to be done about this company. I have talked to and Attorney concerning these matters. Something needs to be done about this company. This company has no right too treat their custumers this way. If I have any more complaints, harrassing phone calls, I will take it too my lawyer. And something will be done...

A little advise. If this company calls youand threatens you anymore... YOU SHOULD RECORD EVERY PHONE CALL THAT THEY MAKE TO YOU> HAVE IT ON FILE AS YOUR PROOF.... LIKE I HAVE... I HAVE PLENTY of Lies and threats that they have said too me, and threats... Two can play this GAME...

Pros: they will get u financed,

Cons: they will find a way to get the car back, and try too sell it too another FOOL

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