C&F Finance Co

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 is my responsibility, but with that said I myself have worked in the finance industry for sixteen years and I can never recall speaking to any of my customers in the way that this company's so called csr's have spoke to me for my payment being one day late. Everyone should take into consideration that every individual (especially in our existing economy) has fallen on extremely rough times. It's very sad that in some companies customer service has came to this. There is never a need to threaten anyone I don't care what your policies are!!!! I have never had any company call me on a regular basis for any account being one day past the due date. Grace period or not that's just rediculous! Standard finance companies always allow five days, some even ten. In retrospect I most definitely would have chosen another company, regardless of the apr!!!!!!!!! more

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 owed them a payment 3 days after THEY should had taken the payment out...needless to say, I brought that to their attention and all they said was it will come out tomorrow, NO APOLOGIES.\r That is only the beginning...next they told me they were a SIMPLE INTEREST loan company...OBVIOUSLY, they have NO clue what they are talking about. More like, they are CROOKS! There was another month which, ""there system malfunctioned"" and took out 2 payments in one month...took me 8 weeks to get my money back. \r I would LOVE to be in on the Lawsuit with Tired of Dirty Buisness...So, I am doing my own. I will make it a GOAL to DESTROY this WORTHLESS, most IDIOTIC, INCOMPETENT, and CRAPPY so-called company. I DID buy within my budget and I DID make all of my payments on time, but this company has the WORST customer service (if you can even call it that), and the dumbest people working it. \r I am one of the few fortunates, however; I have managed to trade my car in and buy a vehicle with another company that values their customers. I pray for the day this company goes under...I will celebrate with a bottle of wine and a freaking party hat. Anyone who is wanting to celebrate with me... come on down! Maybe a class action suit would be a solution. I can't imagine anyone who HAS to deal with them, say anything nice. \r The guy who got a deferrment must of had a POS car for them to work with you! Because, no one else here can say that they are friendly. Kudos to those who have stuck it out with this company! I sure as heck could not have done it...\r They still have not answered my call regarding my past complaints. The dealership I worked with on purchasing my new car wondered how they were in business still and was irritated at how THEY were treated...BBB, here comes another complaint your way regarding this pathetic and usless group of IMBECILES! \r Never again will I be accepting a loan through this company...I hope they get what's coming to them!!!! more

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 had only gone down 1100 dollars and we were paying 400 per month. The customer service lady said that 141 dollars was going toward principle for 2 years then the principle would paid off later in the loan. The told me it was how it was set up and the dealer should have told me, but they didn't. That was our fault for not checking, although we have been trying to get rid of the vehicle now and 2 months ago they tell me the payoff was 15,660. I made 2 payments and now I finally found a different company to finance me yesterday and C&F tells me the payoff is now 15585. Only 75 dollars less than earlier after 2 payments. They had no explanation as to how the amount didn't go down. As far as you few people who said only people who are compaining are the ones who don't pay or are late in paying you can forget that. I was never one day late the entire time I had the loan. I am so happy I am rid of this worthless, criminal, pathetic, and EVIL company! I recommend anyone who is thinking of this company DO NOT do it. You would be better off going to a buy here pay here company and overpaying them. C&F Finance can KMA. more

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 more

UPDATE...\r \r 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...\r \r 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 more

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 more

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 more

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! more

awful company Cons: horrible more

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.\r \r 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.\r \r 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.\r \r They will dial your phone incessantly with variations of their main phone number..along with phone numbers from the 757, 703, & 540 area codes.\r \r They will also send creepy looking people to put a note on your door or vehicle ( as described by my neighbor)\r \r I have truly only encountered one polite person on the phone and try to contact that individual only when there is an issue.\r \r 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 more

To those of you complaining about C&F Finance, \r \r 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.\r \r 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. \r \r 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! \r \r 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!! \r YOU were the dumb a** that signed the loan..DEAL WITH IT!! more

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~! more

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 more

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.\r Cons: ALWAYS OUT TO GET YOU more

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 more

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.\r \r Stay away from C&F! You've been warned!! Pros: too easy to get a loan Cons: harrassing phone calls and threatening correspondence more

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! \r 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. more

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... \r \r 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 more

This is company is the worst company I have ever dealt with it comes to auto lending. I was excited when I bought a new vehicle. but in a year's time they have changed their rates/fees 3 times!!!!!!!!!!!!\r \r 3 Times!!!!!! Outrageous fees, they charge you to use your credit card, they charge you to change a paydate!!!!!\r \r My income changed in the a few months ago and that's when the trouble started. I received several phone calls from several different people I couldn't keep up as to who I had talked to. And they all said different things. Felicia, Brandon, Brian, Carol, Shawn, the other Shawn. I tried to explained to them when I first realized that I would have trouble. They wouldn't listen, I didn't qualify for an extension. Hello my income decreased. I was being proactive by being honest with them to work out a solution. They were not hearing that at all. I need ed to come with payment by a certain date or else. Final after talking again to several different people I get an extension but not the date I explained I could do. I had never had any problems at this point never been late. and the one time I am late...the y starting making harrassing phone calls to my house, to my family, and job several times the day. They have stressed me out to the point my hair is shedding because of stress because they threaten to the reposses the only car I have to go to work to pay my bills including theirs!!!!!\r \r The Attorney General needs to be made aware of their practices how they are preying on people. I realize that have an obligation and want to fulfill that obligation but they are very difficult to work with. I even asked them to show me in writing where it says that the car would be repo in a certain amount of days. I was told angrily by Brian that this is our policy not based on the loan agreement!!!!! Cons: bad customer service, high fees, harrassment more

THEY ARE AWFUL stay away far far away - i have only been with them 2 MONTHS - I had a child in a car accident and needed two weeks extension to make 2nd payment the person is poke to BRANDON was soooooooooooooooooooooooooooooooo RUDE it took me escalating a complaint to the President of C&F bank to get them to work with me - I HATE my car dealership for putting me through this! Cons: Everything about them including fees, attitude, customer service they are bad as bad gets more