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A-L Financial Corp / Fraudent Business Practices

1 1551 N. Tustin Ave. #400, Santa Ana, CA. 92705Santa Ana, CA, United States Review updated:
Contact information:
Phone: 714-479-1300

Company repossessed vehicle 3 days after payment due. Refused to give information and demanded $1000.00 in cash to tell where vehicle located along with bank statements, 5 references, paycheck stubs, insurance information and registration. Company is loan shark. Company bought loan form another lender without consent. Company has been reported the State of California Attorney General, reported to The BBB, and suit filed in small claims court.


More A-L Financial Corp Complaints & Reviews

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  • Ch
      9th of May, 2008
    +1 Votes

    I was barely one month late, and they attempted to repo my car. Well the next day a Private investigator wanted to speak with me regarding a Felony that is being filed against me... HA!!! bull ### I cant wait to get out of this loan.

  • An
      11th of May, 2008
    +1 Votes

    I had a three year loan for over 13, 000, which I paid off within 2.5 years. I purchased the car in 2000 and in my state they were not required to start reporting until 2001. I have tried feverishly to get this company to report to all 3 credit reporting agencies so that I can increase my FICO and they will not.

    They told me to request the agencies to report it, but the agencies said AL Financial MUST report it, I called back and all they offered was to mail me a document that I can have in my own personal files, how is that solving this I must ask??

  • Te
      22nd of May, 2008
    0 Votes

    I cosigned a loan for my daughter. She wasn't even a month late with her payment when they repossessed the car. We had to come up with $1, 800.00 before they would tell us where the car was and then the tow company had broken the driver side window. We had to fight with them for a week to get the window replaced and then they sent us to a repair shop over an hour away from our home. I was never happier to pay off a loan in my life. I would never do business with them again!!

  • St
      26th of May, 2008
    +1 Votes

    My first payment was due on the 7th I sent a money order on the 3rd they repos sed my car on the 22nd. When I called the next day to find out what happened The rep said finally I told her I had my receipt and she even told me they have problems processing money orders they still requested I pay my note plus a $19 dollar late fee and a $550.00 repo fee in order to get my car. I offered to pay the note and the late fee and they could just apply the money order to my next months payment since I had just put $2000.00 cash I was told no. They made me pay all the fees and once I did that and faxed everything plus I had to get a police release for them picking it up at my house(crazy) I asked where the car was she said I don't know I just have a number. I called the Tow yard they said I needed an appointment even though they are open 8:30- 5PM and since it was 3:45 and the last appointment was at 4 I have to wait until Tuesday to get my car and I don't know how far I have to drive to get there. They are charging me $25 dollars a day from Thursday. When I get my car I plan on filing a small claims case and going to the media I don't think they should be able to take advantage of people I would like to go picket outside the office. Has anyone had any luck on there law suit or complaint against them? I was told by the rep she is not in the business for customer service, can they report this on my credit since it was never 30 days past due?

  • Ev
      7th of Jun, 2008
    -1 Votes

    This company attempted to contact me on my cell phone and when they could not reach me I received a notice two days later saying I had to surrender my car immediately or be subject to criminal prosecution for "embezzlement". They called my references and asked to speak with me and when they were told I did not live there they would hang up and call back again insisting on speaking with me. My friend said they called him three times in less than two minutes and he finally just let their calls go to voicemail. This company has predatory business practices and I encourage everyone to report them to the BBB.

  • Ke
      20th of Oct, 2008
    0 Votes


    My name is Kelli. Unfortunately I too was screwed by A-L financial. Almost 6 months after they illegally repossessed my vehicle I get a letter in the mail with a warrant for my arrest with a bail amount set for 2500. This company repossessed my vehicle after I made payment arrangements to bring my payments current. I made my payment as agreed and when I called to give him the conformation my finance manager said that I was 25 dollars short and in order to keep my car from being late I would have to make that payment right then and there. I was on my lunch hour at work when I western union the payment because this company does not take credit card over the phone and he expected me to pay western union an additional15 dollars to wire the 25. I asked if I could drive it to the office when I got off at 430 and he said no because the were closing early because it was a Friday. Well needless to say I went to clock in from lunch and at 330 I went to move my car from across the street over flow parking lot to our regular parking lot when I discovered my car was missing. I contacted A-L Financial and they said they do not know what I'm talking about and told me to call back on Monday because the were closing. They did not report it to the police that they were repossessing my vehicle so basically they stole my vehicle, it was not until a day later that they reported it to the police which makes it an illegally repossessions. This has to be illegal what they are doing to us we need to put a stop to it.

  • Ki
      4th of Nov, 2008
    0 Votes

    Glad, but also sorry to see that AL Finance is still up to the same crap they pulled on me. I bought a yr old truck. The dealer financed me through AL Finance. I put $5000 down. Anyway, I was on time as long as I could be ( years ) then, my Father fell ill & ultimatly passed away. I was the one taking care of him & had explained this the the finance company. They more than knew that I was not working & had to stay with him. I was late on 3 payments ( not in a row ) on one of the late times, they did in fact repo the truck... Ok, fine, I get it.( I did get the truck back within a weeks time, AFTER $1600 in extorsion $ being paid ) I called and told them that i had been a loyal customer for years & that they being the huge corporation that they are, should be assamed of them selves for not only not allowing me the very little bit of time I would have needed to catch up, but that when they sent their GOONS to get the truck they broke BOTH of my front side windows & the truck was UNLOCKED ! There was absolutly NO need for the windows being broke ! My truck went from my home in SV, az TO Tucson, AZ - which on a bad day is only 73 miles... Guess what ? When I went to get the truck from the "tow yard" I too was told that I had to have an appointment HA HA ! I wasnt leaving there until I had my truck & I DIDNT ! Guess what else? When my truck was brought to me 1/2 of my stuff was missing, & of what remained, most of it was broken, or ripped & My truck had 378 miles on it ( i have to keep a milage record for work & there was mud from the FRONT of it to the BACK of it - with @ least 2-3 inches in the bed!!! believe me - when they threatened me, I DARED them to call the police & ambulance, cause someone was going to need them & wasnt going to be ME! LOL
    Now, I am in need of the lien release AGAIN, as the MVD has some how misplaced the one they already were given almost 3 years ago. I have been calling AL for 2 days now & keep being told by people I can hardly understand, that they are short handed & havent been able to get to me, yet. Ive said, O' ok, so you can use some help? I can fill out an application, as I am looking for new employment & guess what I was told????? O' no, we arent hiring! hm... I was hit from behind, taken to the hospital, had my truck totaled & am currently under a Doctors care, as well as being out of work for over a month & in order for my truck to be settled, I NEED the release & they are refusing to do their job... I hope for anyone who encounters this so called business ( Ide prefer Extorsion Experts ) much better luck than I & MANY others have had... You know guys, that if we all got together & wrote something out with ALL of our complaints & signatures on it & it goes to the govenor, as well as the Attorney General - they have to Pay attention. I am MORE THAN WILLING to be the typist.. LOL I really am... Contact me if interested... Smile :)
    PS- for anyone who has delt withthe Tucson office, youde think they could get CARLOS off his ###, off the phone- as he is the one who does the threatening) and have him go to the "warehouse" where it is that they are claiming to have my account info... Ha, ha - go figure

  • Ja
      24th of Sep, 2018
    0 Votes

    @kim Can I please find out what tow yard they sent your car. And also if you could help me!!!

  • Ke
      23rd of Dec, 2008
    +1 Votes

    My payment was due on the 22nd and I called A-L finance manager that I was walking in my payment on the 29th. Irma at the San Diego office went off telling me she would not accept my payment and would have my car repo. I told her that by the time she scheduled a repo that my payment would be in she again said she wasnt going to accept my payment, I then told her that I was contacting the BBB and the State attorney because she refuses to take my payment I hung up on her. A few minutes later her assit manager called and said I could come in on the 29th to make my payment. These hefers have no shame poor business ethics and no class.

  • Al
      23rd of Jan, 2009
    +1 Votes

    WOW!!! i wish i knew this b4 i accepted this finance company!! i have been running behind for the last 2 months, not 30- dys but 15-20 dys and i have been harrassed and all my references were called...the rep "assigned" to my acct told my ref.s that she was the collections mamager and told them that they were calling about my car...whn i contacted "my rep" I advised her that it was violation of the FDCPA laws but she insisted she was not and that they could repo. at any time...i thought she was bull ###, but now after reading these blogs i'm really scared that they might follow thur.

  • Di
      29th of Jan, 2009
    +1 Votes

    Maria from the San Jose AL Financial office just harassed me and accused me of lying about having my Lawyer contact her and that he would have to call to get her last name, she would not give me her last name. She was yelling at me about how I was in breech of my contract, I am only 6 days late. What a horrible company, they are a corporation, I will complain to BBB and to the California Attorney Generals and to my Lawyer, yes I do have a Lawyer.

  • Er
      2nd of Feb, 2009
    +1 Votes

    After filing a BBB complaint against my last four payments "never made it" to their Fresno office. I have verified postage on all four envelopes and dropped the last three off at the Post Office because the first time I thought that, legitimately, someone may have taken the payment from my locked mailbox or it may have been lost in the mail. Now, I think they are deliberately disposing of my payments or not applying them to my account. Each time I have had to pay via Western Union and pay a $13 fee for the service. CROOKS, FRAUDS, and CON ARTISTS. I urge everyone to file BBB reports and if anyone ever hears of a class action lawsuit, PLEASE let the rest of us know!

  • He
      10th of Feb, 2009
    +1 Votes

    I was only 4 days late with my first payment and they took my car, mind you I hadn't gotten my statement so no account number either, no one will talk with me and they also want $1600 to get my car back. Screw them if this is the way they are going to be keep the damn thing. A 9000.00 car with $3000 down, I will report them also.

  • Mi
      17th of Feb, 2009
    +1 Votes

    My Son Purchased a vehicle and one month late AL Sent a Repo Company to my home. and attempted to break in at 1:30 in the morning. My son did not live with me Police called reported. Beware of these scam artists!

  • Ke
      13th of May, 2009
    +1 Votes

    I have delt with AL in the past and I seued them I would suggest contacting the law office of Sherri Van Dyke in San Diego, CA...the will sue them ASAP...they did an illigal debt collections practice on me and I was PISSED, so I found an attourney and needless to say I got my money and was ok for the rest of my contract...In additon to I now have them again :( and I lost my job. I am behind on my payment two months, and can pay them today, but now I am re-thinking that. Now I think I should just use that as a down for another car (you know they are giving them away right now)..maybe I can luck up on a better deal somwhere else.

  • Ne
      25th of May, 2009
    0 Votes

    A L Financial can reposses by law even if you are only ONE DAY late with payment. Consumers that deal with companies like A L Financial are most likely to have very bad credit and are a high loan risk. Corporations made sure the law was instated to protect themselves. There should be laws to protect consumers by giving more days for being late with a payment, I am sure most of ALs customers have had to make large down payments for the the vehicle they wish to purchase before being approved for financing, only to have the finance company have the right to repossess with being only 1 day late payment is ridiculous. What Senator, Congressman, and Representive let that get by? We have to watch over our public figures, unfortunately not all have our best interest in mind. In the mean time I suggest the following:

    1. Be patient and speak kindly with the representive of the corporation (remember one day late payment gives them the right to repossess) if you find you will be late with payments. They do have other options to help you.
    2. Make payments before the due date, for example if your payment is due on the 15th of each month make it your goal to pay them by the 1st.
    3. If you can pay a little more then the payment. Example: payment is 350.00... instead you pay 380.00 or 400.00 only if you can.

    Good luck.

  • Th
      5th of Jun, 2009
    +1 Votes

    This is Funny.. Maria in San Jose is a ###! She likes to harass you call your refrences call work, but good thing I am in California cause you can tell them not to call work and they legally have to, a C&D Letter from your refrences will work too.

    I was one day late and the calls start, I told the stupid ### to come get the truck, they never did, and I think they know that if they do reposession laws or not they will meeet the business end of my 12ga! I always make payments and am very close to paying it off.

    It is good to see this isn't happeneing to just me, I know my attitude sounds bad but A.L. Financial is a pig predator loan outfit.

  • Mi
      10th of Jun, 2009
    +1 Votes

    Try being a repair shop that gets stuck with one of their cars. September of 2008, I had a customer bring in their car for repair. They were all gung ho when they dropped off the car to be fixed. But when they attempted to pick up the car, the customer attempted to pass a NSF Check for the $1136.00 in repairs, they stated they would go to the bank and bring cash. I was nice, understanding, and willing to work with the customer. Well a month and a half later, I received a call from A-L Financial in Santa Ana, CA, informing me that they were coming down the next morning to pay and pick up their car? Next morning I get a gentleman (??) who states he is there to pick up the car and wants to pay with a atm card (Illegal in California, cashier check or cash), while a second gentleman is sneaking around the property looking for the car. When it wasn't in plain sight, he too came in the office and they proceeded to tell me what they were going to do and what I was going to do? (Sound familiar). Well needless to say it is now June 2009, nine months later. I am now a co-defendant in a Breach of Contract lawsuit where they are suing the customer for $12, 000 and me for $10, 000 for convergence, loss of use, etc... To which all I did was fix a car and try to be a nice guy. California Law states that if the legal owner wants to retrieve their vehicle from a repair shop or tow yard, they are entitled to do so. However, after they pay the reasonable bill owed! Sounds simple huh? Well not when it comes to A-L Financial. We go to trial in September, almost one year to the date of repair. They talk about their loss of uses? What about mine (ours). Not only can I not remove anything I had to pay up front for to fix the car. I have to make sure no one damages it, or repos it. Otherwise I am out my money owed. And when I went to court today I was not the only A-L Financial case on the calendar. They should have their license revoked, and be made to stand in the middle of the freeway during rush hour traffic, dodging cars, as punishment for all the hoops we have to jump through just because we were sucked into their pit. I welcome a class action lawsuit and would be willing to be one of the Plaintiffs to gladly put this F Rated company by the Better Business Bureau out of Financial Pocket. Best of luck to all my fellow A-L Pigeons.

  • Hu
      19th of Jun, 2009
    +1 Votes

    this company SUCKS!!! my contract states i have a grace period of 10 days. My payment was due on sunday and they called me monday morning asking me where my payment is. I told them i had a grace period so why are they calling me? The are so RUDE! I told the cow i will mail my payment in that day. The next day she called me again telling me that she hasn't received my payment. HELLO! it doesn't take 1 day for the mail. Then she told me she was going to repo my car. Good luck ### its locked behind a gate. This company is a piece of ###. Trying to refi now as i write this.

  • Up
      23rd of Jun, 2009
    0 Votes

    This company really does suck. I really wish I would of know about this company before getting my car loan. I live in the San Fernando Valley, CA and my ### of a rep REINA keeps calling just because I am a day late. When I dont answer my phone she sends letters stating there will be legal actions taken if I dont call her immediately about my account. When I do call her she tells me she never sends the letters out. "### stop lying" I really wish I could get out of my contract but I am still upsode down on my loan. About 6 more months before I even on my loan, then I am leaving this stupid ### company...

  • Co
      8th of Jul, 2009
    0 Votes

    Hi Guys, I unfortunately have a loan with them too, But luckily for me I've never been late because I know the kind of company I'm dealing with. Here's a word of advise, try refinancing your loan with a different bank, because a Mad collector in hunger of money will use any illegal trick of the book to get you to pay. I actually have been in this industry for over 9 years and this is how it works, by the end of the month every finance company needs to meet a certain percentage of delinquency meaning accounts not paid, obviously the lowest percentage the better. What do the collectors get when achieving the month's goal??? ((((( A BIG FAT BONUS CHECK ))) That's right, it's all about the Money, so If you guys have any questions about laws, go head and leave a message and I will try to respond as fast as I can..

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