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Nicholas Financial
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2.3 18 Reviews

Nicholas Financial Complaints Summary

6 Resolved
12 Unresolved
Our verdict: Engaging with Nicholas Financial, which has a below-average resolution rate, demands caution. Thoroughly assess their service reviews and explore how they handle unresolved complaints. If you encounter issues, document your experiences meticulously and be persistent in seeking resolutions.
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Nicholas Financial reviews & complaints 18

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5:41 pm EDT
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Nicholas Financial Title acquisition

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.

Desired outcome: Either the vehicle needs to be repossessed by Nicholas Financial or the lien needs to be removed and the title needs to be released.

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11:54 am EST

Nicholas Financial Loan

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.

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8:52 pm EDT

Nicholas Financial car

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,

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8:04 am EST

Nicholas Financial behavior of representative and being harassed at my home too.

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]

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5:10 pm EDT

Nicholas Financial car loan

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.

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1:55 am EDT

Nicholas Financial high interest auto loan

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.

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8:58 am EDT
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Nicholas Financial Car loan

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.

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2:16 pm EST

Nicholas Financial Car loan

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.

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8:30 am EDT

Nicholas Financial Auto Loan

I have been with Nicholas financial since 2013 and have never been late on a payment. I had 2 deaths in the family which set me back I have communicated this information to them. I am late on the payment I was scheduled to make a payment today. They sent the repo person to pick up my 04 Honda accord. When I contacted them they told me that I have to pay the full 6, 200 remaning to get the car back. They showed no sympathy towards the matter the guy cecilius was EXTREMELY numb to my situation even after reviewing my payment history. These PEOPLE ARE ANIMALS I am looking towards getting a lawyer for this matter ! After reviewing the reviews . I see that they are a horrible business. When I asked cecilius to speak to the supervisor he informed me that she will be in at 12 and it made no sense because she will tell me the samething. Beyond unprofessional ! ! ! !

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8:05 pm EDT

Nicholas Financial Auto finance

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.

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Evan Stone
, US
Nov 04, 2015 3:56 pm EST

I had this happened to me with another lender and it ended up that I didn't have them listed as the lienholder so there interest in the car wasn't covered. my attorney told me that I was at fault.

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9:50 am EST
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Nicholas Financial DO NOT GET A LOAN WITH NICHOLAS FINANCIAL

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!

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9:59 am EDT
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Nicholas Financial caveat emptor

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!

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12:27 pm EDT
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Nicholas Financial crooks

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

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9:27 pm EDT
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Nicholas Financial harassing calls an home visits

They will harass you none stop come to your house talk to any Neighbor call u repeatedly for being a day late an not missing any payments just days late an wont give the payment day you want. Don't go with any branches sister company of Nicholas financial they are (Nicholas financial are a harassment company bar none ) on this day 27 day of June 2012 don't go through them. try a credit union 1st. sincerely fed up customer...never missed a payment ever

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Camillia Simmons
, US
Dec 16, 2018 8:23 am EST

Nicholas financial they will call you non-stop and come to your house drop off letters in your mailbox i feel that I am harassed . i know that i am sometimes late with payments. They are unprofessional and rude I talk to one of their representative she was disrespectful and arguing with consumer and making threats. i know that should be against the law i think. I WILL TELL ANYONE NOT TO DEAL WITH THIS CROOKS.

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nikamaria23
, US
Nov 01, 2018 5:35 am EDT

I am pretty sure that it is illegal to harass customers every single day about payments that have already been made. In addition to the phone calls, Nicholas Financial showed up to my house yesterday and to top it all off, they didn’t even speak directly to me; they spoke to my roommate and made the assumption that it was me they were speaking with. At this point, I no longer wish to do business with them because they are unprofessional and annoying.

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12:47 am EST
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Nicholas Financial Rudeness, scam

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.

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mrspate#1
Savannah, US
Mar 30, 2012 11:51 am EDT
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This company is the most horrible company I have ever had the displeasure doing business with, they took possesion of my vehicle even when I told them that I was having financial issues and that i just wanted them to please work with me until i could get it all worked out... they said they wanted all the money up front or they would keep the car. THey kept the car then sent a certified letter that my 12yr. old son signed for and ofcourse never gave to me, so when i called for them to provide me with a copy they started yelling at me and told me that in order for me to get my copy of the letter i would have to pay them $1400, really? somebody has to put this company out of business, somehow

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2:14 pm EST
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Nicholas Financial Providing Insurance when I have Proof of Insurance and adding car payments to loan

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.

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Update by NicolasFinancialDrains
Dec 07, 2011 2:18 pm EST

This is Nicholas Financial. Sorry for the typo.

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Cougar64
Winslow, US
Dec 19, 2011 5:22 pm EST

Leave a note if you find a lawyer willing to do a lawsuit against this company. My wife and I made the mistake of accepting a car loan from this company and it has been a nightmare ever since. Friends and family getting random calls looking for us even though we're always current on our loan. I've called them several times to ask why they are calling friends and family. I get the standard answer of our payment is late. When we point out they have already cashed the check, we get a halfass apology and move on to the next incident. I've had enough of the harassment and the harassment of friends and family. Looking on the net shows a series of complaints. Time something was done to change this.

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10:05 pm EST
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Nicholas Financial - laws are made for a reason

If you have not already read my comment on a previous post and wish to know the circumstances around why I lost my vehicle please feel free to search for Nichols financial in the search. Or click on my profile and the link will be there. With that said I wish to give an update while it is still fresh in my mind. I was never late for my payment. My...

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5:37 pm EDT
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Nicholas Financial Customer Service

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!

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Michael D. Streeter
Winterville, US
Jan 02, 2023 3:25 am EST

They sold the account and didn't let me know. So i sent my payment to Nicholas financial. They didn't forward the payment to Westlake. My calls are unanswered. This is really effective my credit. All Nicholas fin. had to do is forward the payment to Westlake Fin. My contact # [protected]. Michael Streeter my last four is 0272.

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Hope Robinson
, US
Oct 01, 2019 11:16 pm EDT

This should have not been on my credit report

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Preston Webb
, US
Dec 07, 2011 9:13 pm EST

I purchased a automobile from a car lot, because I have bankruptcy on my record I had to go with a finance
company (Nicholas Financial Inc), I asked them to apply all payment overage to the principal, this is not been done!

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LisaAH69
, US
Jun 13, 2016 1:06 pm EDT

Same situation here in Orlando Florida. I got the car a couple of years back and have had nothing but rude, insulting, ignorant, and harassing phone calls (from Tony in Clearwater in particular). He has stopped to a new all time low though and got my 10 year old son on the phone this past Wednesday. He told my CHILD that his father and I were deadbeats and tried to get my son to tell him where my vehicle was. Due to a serious illness I had gotten two months behind but had made arrangements with Tony's "supervisor" to make a payment the Friday after we spoke and another one two weeks later. I held my end of the bargain. Their end of the deal was to tell Tony to never call us again and as long as we stayed on pace, we were good to go. The VERY next day started daily phone calls at my job and a repo guy showing up at my house. Today I got a call at work from someone saying that joker Tony called him THIS morning to make arrangements to take the car back. Harassing ME is one thing. Harassing my child is another. I've spoken with their legal department and plan on finding a lawyer unless I get a call back from someone who CAN stop this crap from occurring. I'm going to file an official complaint with the BBB and with anyplace else that will hear my concerns. Had I fallen behind in my payments because I didn't want to work is one thing.. The fact we've had documentable health situations and had made arrangements is something else completely. Beware of this company.

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Reggie 43
, US
May 31, 2016 11:53 pm EDT

This is a horrible company to be financially back by. There intended is not to every let you own you automobile. Nicholas Financial insurance fees and will call a million times if you are a day late. The only way to pay them is on the Internet. The don't have a system for auto pay. And they need it. I will never do business with this company again. Next time I will do my research. Horrible company practice. If there is a lawsuit. I'm in.

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Kenneth Moore 919
Hamilton, US
Jul 08, 2015 8:49 pm EDT

I am currently having a similar issue over insurance they are trying to charge me because they have given my insurance company 3 different fax numbers to send the proof of insurance to and are saying he never sent it at all which he kept the number date and time and the statement he faxed to them and again today he was given yet another number to fax it to. He told them that they need to get their act together or he would seek legal action against them on both my part and his insurance company part

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Seasoned Lender
Waterloo, US
Jun 19, 2015 11:46 am EDT

That Leaven law listed above is a joke...google just about any bank and any lender and they have their name cut and pasted into exactly the same thing. They are just trolling for business.

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Steelman2010
Saraland, US
May 28, 2015 2:43 pm EDT

If you are buying a car and letting dealer arrange financing, specify NOT to use Nicholas Financial or allow them to buy your contract. This is one bad company. They prey on people with poor or no credit, even if you have no credit because you have tried to pay cash for anything you buy. They actually make their money on added fees, late fees, bogus insurance fees, administrative errors they claim, but that you can't fight back against. Save yourself alot of trouble, don't use them or let them hold your note.

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Steelman2010
Saraland, US
May 28, 2015 2:41 pm EDT

Don't get stuck with this loan shark outfit. They steal.

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Charleston South Carolina unhappy custom
Goose Creek, US
May 22, 2015 9:28 pm EDT

Caveat Emptor. Never use Nicholas financial. I have had a car note with them for almost two years. They constantly add bogus charges to your account. see above complaints for some of them. They seem to use these to increase profits form already outrageous loan rates. Also, when it comes time to pay a note off they make it difficult and won't send you the title. I was told they keep all the titles in a vault in Jacksonville Florida with their name as lienholder and the payee's name on the tirle. This is a lie they use to keep from sending a title to you for long delays. Ohh yes, and then they tell you they mailed it and you will have to file a lost title claim with the state and get a new title. Bogus scam artists with absolutely no concept of customer service. They act like they are doing you a favor when in fact you are their customer and are paying them handsomely for every part of financing something. Warning. If you use Nicholas Financial you will be ripped off by sleazy dishonest tactics that you cant fight back against.

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