C & F Finance Co

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.... Read 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!

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!

awful company

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 an... Read more

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 managi... Read 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 !

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!... Read 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... Read 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

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 rela... Read 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 n... Read 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... 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...

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!

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!!!!!!!!!!!! 3 Times!!!!!! Outrageous fees, they charge you to use your credit card, they charge you to change a paydate!!!!! 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 extensio... Read more

Try being approved and having your vehicle for 2 1/2 weeks and being called back to dealership and being told you loan did not go through. We tried calling them to see what the problem was and they would not discuss it with me. I was told to call the dealership but yet my first payment was due in 13 days.No matter how poor i am i will never try to get a car through c& f finance company.This is a poor way to do business, and to treat a customer this way.I have worked in public for 20 years and have never treated customers like this.My bosses would have my but.I hope with the recession going on now that this company and the car dealership BANKRUPTS!!!!!!!!!!!!!!!! DO NOT TRUST THESE PEOPLE THEY ARE UNTRUSTWORTHY!!!!!!!!!!!!!

Have been with this company for a little over 6 months, I'm late with payments more often than not due to health complications and work payroll dates being less than timely. They have always been courtious and have always tried to accomodate me.

If it is ANY solace to these customers C&F Finance Company treats its employees poorly. As someone who was with them for a number of years I can attest to that fact. "Special" Finance companies make loans to people with poor credit expecting that a high percentage of their customers will have repayment problems in the future as the best predicter of future repayment history is past repayment history. People with poor credit really need to think twice before purchasing a new or fairly new used car. Due to interest rates people with poor credit pay a higher percentage of disposable income for car payments than do people with good credit. Persons in special finance programs should be looking for only basic transportation and forgo luxury vehicles or SUVS and heavy duty trucks. They also should remember that that payment of $400 to $600 has to be made at Christmas time, when a wage earner misses time due to illness, when a parent or sibling dies, or if a child needs to visit the eme... Read more

We have our vehicle financed through this company and they are AWFUL! At the onset, we never received any type of welcome package or courtesy call which told me that they really didn't care for new members. We had a premature baby, born 2 months early and were in the hospital for quite some time, so we unfortunately fell behind on our payments. When we contacted the company, or were contacted BY the company, the people were rude and hateful. They didn't care that we had a child in Intensive Care or that my wife was in critical condition, they just wanted their money. They wouldn't work with us to accept a partial payment. Nope, they don't do partial payments so don't even try. Truly, I wonder what they would do if we sent a partial payment anyway? Would they reject it, apply it to our account, or pocket it for their personal shopping? I'm in the customer service industry myself, and I would never treat people that way. I understand that there are people out there that "work t... Read more

My advice is to never go with a loan office that ask you for more than two contact people. Because if you don't want anyone knowing your personal business then you need not even look at this company. With the way the world is today that everything is going up except your pay checks then you have your kids to care for, you fall behind sometimes. If you are a day late they are calling your house, job, cell phone, and family members. They need to understand that if they call and leave a message then when you get home or receive it you will call them back, but no they will call you 2-3 times in one day then start calling your family members. Just stay away from this company!!

Now I know how important it is to make your monthly obligations on time, but sometimes things happen...loss of wages, illness, death in the family, other extreme circumstances, etc. In my case, mandatory relocation happened and that put me off track for two months (September and October). With my payment being due on the 7th of the month, I made arrangements with them to pay all three months at one time (by the November due date). They wanted me to send a quick payment via Western Union and initially I agreed to that, but due to a major illness in my family, I had to leave to go out of town before making the payment, however once I arrived to my destination, I mailed the payment and called them to let them know not to expect Western Union. I advised them that I had only sent the past due for September and October and that I would make good for November before the months end. They received September and October's payment on the 10th, but told me that they ordered a respossession on ... Read more

I haven't been with C&F Finance Company very long, however, I would never recommend them to anyone. Single mother got into a bit of a slump due to income issues, they would not let me make partial payments. They called me 16 times within the FIRST month of my purchase to verify my information and make sure I was going to make my payment on time. When I sent in a partial payment, they called my work, home, and cell phone at least 10 times a day wanting me to pay to remainder or they were going to repo my vehicle. When they couldn't get in touch with me they got my family involved. I have written a letter to them stating that I had voice mail on all of my phones and if they included my family one more time I was going to suit them and contact the Better Buisness Bureau. Since then my account is up to date and it is finally quite. I have spoken to two different people about changing my payment due date and gotten two totally different responses. One wants to charge me for it then st... Read more

C & F finance is a terrible finance company! The company was given by the car dealer for our new car. It is a company that deals with people that they feel might be at risk. Our payments had been on time every time for 2 1/2 years- suddenly life threw a curve ball --the payment was 1 WEEK behind and they decided to threaten to repo it!! Then they said I could call and for $50 extend my payment for another month-This company is crazy - one time they called and got a payment from me then called my hubby and got a payment from him--then refused to give one payment back!! AVOID AT ALL COST!!!

they moved our payment date. it messed us all up. then they did not set the allotment up proberly on there end. it was all screwed up. then they wanted us to come out of pocket for there mistakes. THEY ARE VERY VERY VERY VERY BAD!

I was trying to find there web page to see if I could fill out and application but could not find it