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BORROWER BEWARE! I was in a situation and had to come up with $1, 000.00 immediately. My friend told me about this company that did title loans. This company gives title loans with the intention of repossessing your car! They are quick to give title loans which supposingly are at 24%...then they sneak all this insurance (Personal property on the contents of your home, and accidental death insurance in on the loan) which you don't need ... and the interest rate jumps to 31.5%. The only thing I can tell you is, read all the paperwork...they give you maybe 5 days to cancel the insurance policies. The original loan started at $1, 000.00 (with the insurance, principal and interest) over a 12 month period, monthly payments are $144.97 ...the repayment amount would be $1, 750.00! My friend was late twice...not only did they repo her car...but they charged her 800.00 + 100.00 in late fees to get her car back...mind you the principal on the loan was $1, 000.00. I am sure several people have had their cars snatched by this company because they have an auto auction monthly. If I were you and you were considering a title loan with this company...I would only use it as a last option and...I would read and question every piece of paper they gave you to sign! Just be aware of what you are agreeing to and signing. Always...always question everything...like I did. I took the loan with the intention of paying it off in a couple of months...my repayment will be $1072.20 for 2 months...however my friend when she is done with this would have paid these people...$ 2, 650.00 on a $1, 000.00 loan!
The complaint has been investigated and resolved to the customer’s satisfaction.
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Bay Country Finance is the worst company I've ever had to deal with regarding a loan. The previous complaint is right on target. Not only do they charge a large interest but they also lie. I was told (by Max the person who does the repo's for BCF) that I signed for a certified letter - (acknowledging that I was being served) - before my car was repossessed - when actually I was away out of town for two weeks and couldn't sign for anything. BCF had a towing company to come out a tow the vehicle without any notice and lied to me that they had my signature on file for the letter. The day before my car was picked up I called to make my payment and was placed on hold twice and hung up on the third time - because Stephanie stated they were extremely busy. That night or early Sat morning my was car gone! When I called Sat. I was told I had to call back Monday and speak with Max. When I spoke with Max I was told that he had to verify that his company took the car so I waited on hold for 10 minutes - when Max came back to the phone I stated that if someone signed my name on a document that is considered forgery and that I would definitely sue. His remarks were then call your lawyer to get your car, I'm not giving you any more information and hung up the phone. This case is in now with my attorney and yes I do intend to sue!
I also have a loan with Bay Country their intention is to get you I owe for 6 months so happen to file bankruptcy and instead was dimissed instead of discharged so as soon as they got a whiff that it was dimissed they aimed to reposses with investigators coming to my house threatening me with jail and other bodily threats therefore I knew my rights and the car was not at my home so I allowed someone to drive it when they got the car, I called to find out what would it cost to get it back and was told would be $6300.00 are you kidding me the worst company ever then I was also told that no one should drive then I explained you only have security interest you don't have the right to tell me who can and cannot drive my car. So I then in December offered to pay half of what I owed and they would not accept it. So how did it get from me owing 1400.00 to 6300.00 to negotiated to 3100.00 RIP off I have several complaints in with attorney generals office of md and the financial regulation commission office. But first The Lord will handle or fight my battle that business will be closed in 1 year.
This company takes advantage of senior citizens. They give them loans without ever seeing the car. They are disabled and bay country gave them a title loan, when they got sick and had to go to a nursing home they came and took the car. They would not work with the family to get caught up to save the car. DO NOT CONSIDER using this company for anything!
They are the worst they lie and steal your money I have 2000$ I have already paid them 3500$ and I still owe 1700 dollars this is crazy..they pray on u Vulnerabilities that fact that u need the money at the time is the key but once you sign ur in trouble
Bay country finance is a scheme. They are a predatory lender, who charges illegal interest rates above ursury.then they wait for you top almost pay back the entire principle that you borrowed, not including the outrageous interest, then they increase your payments by adding other insurances in, they know at this point you can't afford it, they repossess in the middle of the night of you miss one payment, then charge you almost a thousand dollars to get your car back. They also use the type of tow truck that messes up your car, they busted my tires and the car hasn't run since I picked it up. Then they have a repo man calling, threatening that you will go to jail if you don't give him the car, he says he's a detective, he will also go to your home and sit in his car and wait for hours outside. Do not do business with them, even if you think you will be ok because you can make the payments, the situation will change when they raise it. Also, the whole reason they have this repo man stalking my home is because the girl, autumn at the office made a payment agreement with me via email, then after she said it was ok, she had a different manager email me and tell me that they could not agree to the terms after I already gave my banking info to them. This is not a financial lending institution, they are no different then the parking tow thieves that wait for you to walk away and tow your car that you must pay 250 in cash to get out of the tow yard. Beware!
I currently have an account with them. They tried to rake me in by offering me "more Money" and lowering the interest rate from 20.9% to 19.9%. So if I was crazy enough to accept an additional $1000, I would be financing $1720 additional. $360 for a "title examination" (they already have my title so what's that all about) and I'm not too sure of what the other fees are for because I have my own insurance and they offered me NO additional insurance at the original signing. So my balance of $2400 isn't looking so bad right now. Tax time I'm gonna pay it off! BORROWER BEWARE! PREDATORY LENDER!
This place is a joke. I have a accont with them never missed a payment but yet they repo my truck when i call them to ask why they say it was a mistake. Not only did this happen once but twice. I know we're all human so the first time i was mad but brushed it off as a mistake but for this to happen a second time is crazy. So i had to miss work again to go pick my truck up over 1 hour away because they can not have the tow place bring it back witch is bull an then the tow company tried to charge me to get it back what a nightmare. I RECOMMEND NO ONE TO EVER USE THIS PLACE. There are more lone company's out there 9f you need cash that bad. Just say your time a hassle an dont go here
Please stay away from this company!they are the worst. If you"re looking for a loan go elsewhere this place is full of low life ### who lie ans steal from you. You"ll never get the loan paid off. They should be out of business.
This good for nothing company will finally get to pay for their wrong doing. On July 4th 2017, i came out my house to go to my place of work only to find my car missing, A 2013 Chevy Equinox that i just got from Auction paid in full. i was shocked and disturbed at the same time, first of all i had to call out from work and then called 911 to file a report that my car has being stolen. The cops told me after listening to my report that a car that match that description was reported repossessed from my area around 3 am that morning that i should call Bay country financial, i was surprised because i didn't get the car through any finance company, but anyway to cut the long story short, i couldn't get to them till the next day 5th of July due to holiday. so on the 5th, i called them to asked why my my car was taken from me without my permission as i have no business with them. They told me i was late on payment, i told them there must have being a misunderstanding because i bought the car from auction and the seller was capital one and not even Bay country, and that it's not financed, it was paid in full with cash. They disagreed, telling the car was theirs and that they were the one financing it since. After series of phone calls and emails showing proof, the lady from bay country who was rude throughout this issue said " oh so... we have review your documents and finally concluded that we might have repossessed the wrong car and will tow the car back maybe tonight or tomorrow ". I was like, are you kidding me, after stealing my car for nearly 2 days already, you're still thinking about when to return it back to me? the lady on the phone said, "well... it's not our fault, it's capital one's fault" and then she dropped the call. Anyway, i'm suing them for wrongful repossession or my car and physical damages on the car after it was returned. I've never seen anything like this in my whole life.
if a 1st lienholder sells the vehicle at auction and doesnt tell the other lienholders on the title that the vehicle was sold then it is not their fault. id check and make sure the previous owner doesnt owe any other debts on the car! maryland can have 4 or 5 lienholders and if cap one didnt notify any of them...they could all come for your car not knowing the 1st lienholder sold it already and the title was transferred
DO NOT EVER take out a loan with this company. Their business practices are unethical to say the least. After paying off my loan, I never received the Lien Release. They say they mailed it ... now I have to go to their office and pay $20 to get it. My husband and I have been good customers for several years, always paid on time, etc. The manager that I spoke with was rude and not willing to assist me. We'll never use this company again, and I'm letting everyone I know of their poor practices and customer service.
I have the same issue with them. I owe them 2 payments and they want to take my car. I almost pay my car off and that's why they decide to give the loan because the wanted my car. I can't wait to pay them off. Someone need to do a lawsuit on them because they're robbing a lot of people. Please stay away from this company. This company kept sending me letter for the pass ten years and I just diecide to respond to them and this was the biggest mistake of my life!
I was really really going to use this place I actually have a appointment today to go in talk to someone but omg I'm so glad I didn't after seeing all this bad review's thanks complaint board . com 😂😂😂
All I have to say is all these reviews are accurate! I received a letter from Bay Country Financial in June 2015 saying that 100% of my principal was paid off. I talked to one of the ladies right after I received the letter to verify that my principal was paid off and she said it was paid off however I still owed for late fees and interest. I asked her if my vehicle could be repossessed because of late fees and interest and she stated that legally they could not and if all I wanted to pay on it was as little as $25 per month I could and they could still do nothing. I owed $750 towards interest and late fees. I originally borrowed the loan in Dec 2013 for $750, if paid on time every month I would have ended up paying $1300 roughly. After receiving that letter in June 2015 I am just now hearing back from them again 2 1/2 years later in December when I noticed they did a hard credit check on my credit report, I called them to find out why they did that and they said because they wanted to see if I still owned my vehicle. I told them to stay away from my credit report and they told me it doesn’t matter because they’re coming after my vehicle! I reported them to Equifax for an unauthorized credit check! Afterwards Bay Country sent me a letter stating that if I didn’t pay within 13 days they were going to repossess my vehicle and that I had to pay the total of $750, this is 2 years from my last payment and 2 1/2 years after they sent me a notice that my balance was paid in full! I wish I would’ve read this complaint board before ever getting a loan with these people! I advise anyone and everyone to stay away from Bay Country Financiall! This company should be shut down and the Better Business Bureau should take action against this company because they are not disclosing all the complaints I’m sure!
They are scammers they will take your car illegally and then pretend like they call you and didn't reach you. They took my car before it was even time for my next payment.
I dont and have never delt with this company but it piss me off knowing what this company is doing why dont everyone come up with a date and time to have a huge meeting in front of this place notify the news make the crowd as big as possible get this company on the news get its name in the media and as many letters sent to the appropite people like the bbb, attorney general, consumer protection, and then the tow driver reported for inpersonating a police officer i know people need money at times but why give these people a chance to take whats yours if you have a loan with them then pay it but keep a paper trail.now lets not talk about it lets do someting about it lets get this company name out there about what they are doing