Nicholas Financial
Reviews and Complaints

2000 Dodge Caravan VIN: 2B4FP25B1YR588730

Above vehicle was acquired in 2019 from an elderly lady who had been admitted to an assisted living facility in New Mexico. A Bill of Sale was prepared but the title to the vehicle was not found. The elderly lady was transferred to a facility in Florida. After doing some research it was found that Nicholas Financial held a lien on the vehicle. Contacted Nicholas Financial about the lien and the title but, since I am not a client, I was told that they cannot do much about it. The elderly lady and her daughter do not want to deal with getting the title. Without the title and with a lien on the vehicle there is not much I can do.

Nicholas Financial is a loan company not a insurance company so when I pay my loan of 361.00 they are in turn taking it upon themselves to put a fee of insurance out of my payment. It is against the law to any of such practices without authorization or signature and each time they tell me there is a insurance fee and I tell them only 361 for the loan amount they do it anyway. They are doing things illegally. Please complain to the company so a litigation law suit can be filed. The branch I am using is Florence, Ky. 41040. My name is Joanna Dalton and I have no problem with answering any questions.

They repo my car because I was a month behind, try to pay it and this rude MF name Charles denied my payment and refused to transfer me to the director. Not only did he kept saying no I'm not transferring you he laughed while he said it. This person purposely sends a repo notice to anyone begins so they can get more money out of us. Don't even know why his BA is still there. I'm going to make sure this company goes out of business,

I talk to a respresentative on onlined to switch 15th payment to set up payment on the 18th 425.00 to be taking out they was very rude and making well I took you off of making onlines payment I didnt do anything wrong I explain that I didnt wanted two bank charges. They come your house and letters in your mail box I feel that I am being harassed. I had to a transmisson in the car. And plus my husband had emergency surgery so he was off of work for 6 weeks. I knew I was 2 months behind thats set up arrangements online.
My name is camillia simmons my number is [protected]

Bought the car over 5yrs a go. Car was 8000 and put 2000 down. So had only 6000 to pay off. With the loan and their dumb fees it jumped to after the loan would have matured the total would be a lil over 12, 000. Loan matured in July of 2017. Did make some late payments on loan. They then say that we still owe a total of 2400 on the car. Now how does that work? Went they all payments, interest, late fees, and even the stupid forced insurance that they placed even when I had full insurance on it, and I have clearly over paid about 4000 bucks. They then make a written contract with me to pay only 1000 of that 2400 and the car would be paid off. They also in the agreement stated if we didn't pay it within 30 days they would place a hold on my tag so I can't renew it. Paid it within 30 days. Went to the dmv to renew my tag and they placed the hold on my tag the same day we made the agreement. Very very dirty people and the dirtiest company around. It has now been 13 days since we paid it off and still a hold on the tag, and the one employee named Charlie stated that he made the agreement but the company went over his head and placed the hold on the tag. That seems like a breach of contract/agreement in my eyes. I pray no one else goes through this company for ANYTHING.

I bought a car with them in 2016 for $9000 which ballooned to $12000 after their fees but not including state taxes. I pay almost $400/mo plus their stupid forced coverage ($100) and interest over 20%. I was paying more than my monthly payment(+$50) for an early payoff but realized I wasn't making much of a dent. At the time, I used my savings for a down payment as my vehicle was not working. My credit at the time took a huge hit but is much better now. They won't allow me to refinance and I now owe $7500. I've not been late but I'm so disappointed in this company. I literally feel cheated. All I want to do is pay off this car but goodness, payments plus insurance is now higher than my rent! I'll never recommend N. Financial. I think I'm going to refinance with another company than to pay this company another dime.

My vehicle was paid off in 2015 but they failed to send my title months after. When I called the office in clearwater, fl. They said there was a fee of $81.00 remaining. Eventhough I went to longwood, fl office to paid off the car months earlier. They over charge you. A $10k loan turned into $20k. They will not let u refinance until you are left with $5k on the loan. Why would I do that?. They are rude, and scammers. After the loan is satisfied. They report inaccurate late payment to the bureaux, and when I dispute it. They adjust the loan balance but not correctly report the payment history. Don't take a loan from nicholas financial. I would rather ride public transportation and get a scooter before signing a loan contract with this company.

Yes we were financed by Nicholas Financial, first of all they knew my husband couldn't afford the payments and they still let him go through with it, and then the vehicle was a piece of crap! the whole time we had the vehicle my mechanic even said it was a piece of crap . then all 3 of my daughters, had to have back surgery we got behind I think two months and then they repo my car on my birthday! on top of that at midnight we couldn't get anything out of the car. He asked them before if we could refinance it they send his information and nobody could help us which is bull crap we complained to them about the car told him car was a bad car and they would not do nothing about it I would never Finance with them ever my husband got ripped off and now they're going to resell the car good luck with that because the car is a piece of crap and now another person's going to get scammed. I will not pay another Penny on this car I will file bankruptcy before I do that.

I want to get together a mass torte lawsuit against this company. I've had an auto financed with them for five years, and is paid off end if this month. Now they are trying to tell me I owe them $1500 in forced coverage insurance even though I have 5 years of top tier full coverage insurance and send them 5 years of records! They are rude and dishonest! I will go to court.

I have had a loan with Nicholas Financial Services for over a year and half and let me tell you it has been thee WORST EXPERIENCE! I first had to deal with a Pickerington Oh who if you were a day late they called YOU and your references at least twice a day! It got so bad to the point where I had to tell them to not call one of my references because they were calling when I was only a day late! I then tried to make two payments with them and this office DENIED MY PAYMENT! Causing my account to go DELINQUENT! They then tried to REPO my car and try to say that I didn't make a payment. I then recieved a phone call from one of the collections managers who left a voicemail on my machine and on the VM and called a "B****" on the voicemail. I then recieve a call from who I thought was a nice lady who I explained my whole experience to and then had her boss listen to the VM too... They basically told me that they were going to transfer my account to the corporate office and they were going to be working with me to bring my account current and the manager told me for every payment I made they were going to bring my account current... I made a payment last month. On the 27th I got into an accident called and gave them the information... The next thing I know, my car gets towed to the body shop and Nicholas financial picks up my car! After never advising any of this information that this was even happening because the lady at the corporate office told me they were helping me fix the mistakes that their pickerington office made. Today I called and spoke with another lady because after all this Ms Natalie never answered her phone including the voicemails I left on her phone, the lady, Ms Nicole apologizes to me and tells me that they were wrong for REPO the car but she could not do anything. She then tells me that yes they played me and that she was very sorry that they did this to me... But they couldn't even give me the car back or fix it... I WILL NEVER RECOMMEND NICHOLAS FINANCIAL TO ANYONE! THE SERVICE FROM day ONE HAS BEEN HORRID! THEY STRESS YOU OUT! and they FOR SURE NEVER CLEAN UP THEIR MISTAKES!

Let this finance company be your last resort if possible. I guess it is the nature of getting something financed this way for them to harassed its customers to no avail. When we first started paying our bills to them, they were sent by our bank through e billing like the rest of the bills, every single month, they claimed to not have received the payment, hence, interest increases. The bank would verify the payment and resend.
We then started sending it directly to them. Miss one payment, they call on the very day that the payment is due, start making harassing phone calls to you and your assigned phone numbers. They even come by your house and ask neighbors about you.
This is illegal harassment and can be stopped!

Nicholas financial rip me off when i payed off my truck! they charged me an extra 2, 800 dollars more and said it was for Vi insurances and other charges...i never missed a payment and kept ins... on my truck and when u go in to talk to them they don't want to talk to u they are very rude and un manner''I'm working on a law suit...don't ever deal with this company they will find a way to steal from u and wont mail your car title'''' and just found out they charged me an extra year of payments...this company and the staff are train to steal... stay away stay away from this company

I have just read this site and see many complaints about this company. They just called me and literally yelled and screamed at me over the phone. I couldn't get a word in edgewise. There is no professionalism and the way she spoke to me, I couldn't help but to yell back at her. I am behind on my payment but I told them that I would have part of it tomorrow. They agreed on that but the day before I'm suppose to give them the money, she calls me and yells and tells me that I have a returned check (which is untrue because they took the partial payment from my account). I just don't understand what she's talking about and she then said that she was issuing a repo on my car. I just don't know what to think or do. NEVER, EVER use this institution.

My husband and I are also VERY interested in a law suit against Nicolas Financial. Our truck was paid for in August of 2011. We received notice from them that they are charging us 6 more payments due to lack of Insurance on our Truck. In 2010 I changed Insurance companies. Let me be extremely clear on this, our Insurance has NEVER lapsed, never. I retired from our Police Department and I'm very insistent that I keep Insurance on our vehicles. They are claiming they had to put insurance on our vehicle because our deductible was too low. When we changed Insurance companies our deductible went from $500 to $1000. Nicolas Financial started charging us for Insurance because our deductible was too low without our knowledge. We weren't even aware that our deductible had to be $500. This in insane! I faxed them proof of our insurance as well as our Insurance Company faxed them we had never lapsed. Our insurance has never lapsed for 1 day, ever! This has to be illegal. What do we do? It's a catch 22. We have never before been in a situation like this. I am very, very interested in a law suit against this company.

This company recently financed my vehicle. They failed to send out my payment statement until the week that it was due, so since I WORK for a living, I sat down to pay my bills at the end of the week and mailed it out, where they rec'd it 2 days late...2 days! I had harassing phone calls from the starting the day it was due and the reps there are extremely rude and treat you like you don't intend to pay.

Then, when I allowed the person to take the payment over the phone and return the mailed check to me, she posted the account numbers incorrectly (reading them off of the last check she had taken from me, not me giving her numbers over the phone) so the check was returned to them. The MANAGER called me and told me that I wrote them a bad check, which was completely false. She was snide and rude and made nasty comments. Upon realizing that it was THEIR mistake, she would NOT apologize, merely stated that she'd put a note on my account that it wasn't my fault. She still didn't feel that she owed me an apology for being nasty and accusing me of writing them a bad check!

Don't take a loan with Nicholas FInancial out of Ocala...you will be SORRY! They will harass you and treat you like you are trash, even if you are someone who does pay your bills!