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ATLANTIC CREDIT & FINANCE, INC. - Florida Company Profile

Company Details

Entity Name: ATLANTIC CREDIT & FINANCE, INC.
Jurisdiction: FLORIDA
Filing Type: Foreign Profit
Status: Active

The business entity is active. This status indicates that the business is currently operating and compliant with state regulations, suggesting a lower risk profile for lenders and potentially better creditworthiness.

Date Filed: 30 Jul 2001 (24 years ago)
Last Event: ARTICLES OF CORRECTION
Event Date Filed: 07 Aug 2001 (24 years ago)
Document Number: F01000004010
FEI/EIN Number 541805771

Federal Employer Identification (FEI) Number assigned by the IRS.
Address: 111 Franklin Road, SE, Roanoke, VA, 24011, US
Mail Address: 111 Franklin Road, SE, Roanoke, VA, 24011, US
Place of Formation: VIRGINIA

Key Officers & Management

Name Role Address
MIDLAND CREDIT MANAGEMENT, INC. Agent -
Bell Ryan President 350 Camino de la Reina, San Diego, CA, 92109
MERLE MIKE Treasurer 350 Camino de la Reina, San Diego, CA, 92108
ASCH ANDREW Secretary 350 Camino de la Reina, San Diego, CA, 92108

Events

Event Type Filed Date Value Description
CHANGE OF MAILING ADDRESS 2022-04-23 111 Franklin Road, SE, Suite 400, Roanoke, VA 24011 -
REGISTERED AGENT NAME CHANGED 2020-10-30 MIDLAND CREDIT MANAGEMENT, INC. -
REGISTERED AGENT ADDRESS CHANGED 2020-10-30 13008 TELECOM DRIVE STE 350, TAMPA, FL 33637-2525 -
CHANGE OF PRINCIPAL ADDRESS 2019-01-15 111 Franklin Road, SE, Suite 400, Roanoke, VA 24011 -
ARTICLES OF CORRECTION 2001-08-07 - -

Court Cases

Title Case Number Docket Date Status
U.S. BANK TRUST, N.A., etc., VS JEAN D. ZUKER, et al., 3D2022-1231 2022-07-18 Closed
Classification Original Proceedings - Circuit Civil - Certiorari
Court 3rd District Court of Appeal
Originating Court Circuit Court for the Eleventh Judicial Circuit, Miami-Dade County
19-34163

Parties
Name U.S. Bank Trust, N.A.
Role Appellant
Status Active
Representations JOSEPH N. DAYAN, MICHELLE GARCIA GILBERT
Name ATLANTIC CREDIT & FINANCE, INC.
Role Appellee
Status Active
Name Miami-Dade County, Florida
Role Appellee
Status Active
Name ARROW FINANCIAL SERVICES, LLC
Role Appellee
Status Active
Name FLORETA ZUKER
Role Appellee
Status Active
Name JEAN D. ZUKER
Role Appellee
Status Active
Representations CHRISTOPHER A. ANGELL, BENJAMIN R. JACOBI
Name Hon. David C. Miller
Role Judge/Judicial Officer
Status Active

Docket Entries
Docket Date 2022-07-19
Type Record
Subtype Appendix
Description Appendix ~ APPENDIX TO PETITION FOR WRIT OF CERTIORARI
On Behalf Of U.S. Bank Trust, N.A.
Docket Date 2022-07-19
Type Letter
Subtype Acknowledgment Letter
Description Acknowledgment Letter ~ Acknowledgment of new case letter with attachments.
Docket Date 2022-07-18
Type Misc. Events
Subtype Fee Status
Description FP:Fee Paid Through Portal
Docket Date 2022-07-20
Type Notice
Subtype Notice
Description Notice ~ CORRECTED NOTICE OF CORRECTIVE CERTIFICATE OF SERVICE
On Behalf Of U.S. Bank Trust, N.A.
Docket Date 2022-09-06
Type Mandate
Subtype Disp. w/o Mandate
Description Disp w/o mandate
Docket Date 2022-09-06
Type Misc. Events
Subtype West Publishing
Description West Publishing
Docket Date 2022-08-15
Type Disposition by Opinion
Subtype Denied
Description Denied - Order by Judge
Docket Date 2022-08-15
Type Disposition by Order
Subtype Denied
Description Certiorari Denied (No Response) (DA30B) ~ Following review of the Petition for Writ of Certiorari, it is ordered that said Petition is hereby denied.
Docket Date 2022-07-21
Type Order
Subtype Order to Respond to Petition
Description Order Resp. on all Petitions except Prohibi(OR12L) ~ Respondents are ordered to file a response, within twenty (20) days from the date of this Order, to the Petition for Writ of Certiorari. Petitioner shall file a reply within ten (10) days of the filing of the response.
Docket Date 2022-07-21
Type Notice
Subtype Notice
Description Notice ~ OF SERVICE OF ORDER
On Behalf Of U.S. Bank Trust, N.A.
Docket Date 2022-07-18
Type Petition
Subtype Petition
Description Petition Filed ~ PETITION FOR WRIT OF CERTIORARI
On Behalf Of U.S. Bank Trust, N.A.
MIRIAM SOLER, et al., VS JPMORGAN CHASE BANK NATIONAL ASSOCIATION, 3D2016-0279 2016-02-04 Closed
Classification Original Proceedings - Circuit Civil - Prohibition
Court 3rd District Court of Appeal
Originating Court Circuit Court for the Eleventh Judicial Circuit, Miami-Dade County
13-8187

Parties
Name ALBERTO SOLER
Role Appellant
Status Active
Name Miriam Soler
Role Appellant
Status Active
Name JPMORGAN CHASE BANK, N.A.
Role Appellee
Status Active
Representations WILLIAM R. SOLER, JASON D. SILVER
Name FERGUSON ENTERPRISES, INC. d/b/a LAWRENCE PLUMBING SUPPLY CO.
Role Appellee
Status Active
Name ATLANTIC CREDIT & FINANCE, INC.
Role Appellee
Status Active
Name HON. BRONWYN C. MILLER
Role Judge/Judicial Officer
Status Active

Docket Entries
Docket Date 2016-04-20
Type Misc. Events
Subtype West Publishing
Description West Publishing
Docket Date 2016-03-08
Type Post-Disposition Motions
Subtype Motion For Clarification
Description Motion For Clarification ~ / rehearing
Docket Date 2016-02-23
Type Disposition by Opinion
Subtype Denied
Description Denied - Order by Judge
Docket Date 2016-02-23
Type Disposition by Order
Subtype Denied
Description Prohibition Denied (No Response) (DA32B) ~ Following review of the petition for writ of prohibition, it is ordered that said petition is hereby denied.
Docket Date 2016-02-05
Type Petition
Subtype Petition
Description Petition Filed
On Behalf Of Miriam Soler
Docket Date 2016-02-05
Type Letter
Subtype Acknowledgment Letter
Description Acknowledgment Letter ~ Acknowledgment of new case with attachments. **The $300 filing fee for a petition is due.
Docket Date 2016-02-04
Type Misc. Events
Subtype Fee Status
Description A3:Paid In Full - $300
Docket Date 2016-04-20
Type Mandate
Subtype Disp. w/o Mandate
Description Disp w/o mandate
Docket Date 2016-04-04
Type Order
Subtype Order on Motion For Clarification
Description Clarification denied (OD57D) ~ Upon consideration, petitioner's motion for clarification and/or rehearing is hereby denied. SUAREZ, C.J., and FERNANDEZ and LOGUE, JJ., concur.
Docket Date 2016-02-10
Type Order
Subtype Order on Filing Fee
Description Order to pay filing fee-civil w/o atty (OR14C) ~ This is to notify petitioners that the filing and prosecution of a petition in this Court is not acceptable without compliance with the Florida Rules of Appellate Procedure. Therefore, the required three hundred ($300.00) dollar fee is to be paid to the Clerk of the Court by cash, cashier¿s check or money order on or before February 20, 2016, or a certified copy of the Application for Determination of Civil Indigent Status in which the lower tribunal clerk has determined the appellant to be indigent is to be received on or before said date.

Documents

Name Date
ANNUAL REPORT 2024-01-16
ANNUAL REPORT 2023-01-03
ANNUAL REPORT 2022-04-23
ANNUAL REPORT 2021-04-26
Reg. Agent Change 2020-10-30
ANNUAL REPORT 2020-03-11
ANNUAL REPORT 2019-01-15
ANNUAL REPORT 2018-01-24
ANNUAL REPORT 2017-04-15
Reg. Agent Change 2016-08-25

CFPB Complaint

Complaint Id Date Received Issue Product
3361849 2019-09-03 Communication tactics Debt collection
Tags Servicemember
Issue Communication tactics
Timely Yes
Company Atlantic Credit & Finance, Inc.
Product Debt collection
Sub Issue You told them to stop contacting you, but they keep trying
Sub Product Credit card debt
Date Received 2019-09-03
Submitted Via Web
Company Response Closed with non-monetary relief
Consumer Disputed N/A
Date Sent To Company 2019-09-03
Company Public Response Company has responded to the consumer and the CFPB and chooses not to provide a public response
Complaint What Happened I have an account with XXXX XXXX XXXX XXXX. I have been paying on the debt for 9 months. I need to change the arrangement but the number they give you to call XXXX answers, puts you on hold for two minutes, then says voice mailbox is full then ask u to press 0 for someone else when you do it again says the mailbox is full.The website www.atlanticcreditfinance.com only allows you to file a complaint but nowhere to access your account.
Consumer Consent Provided Consent provided
2466479 2017-04-25 Took or threatened to take negative or legal action Debt collection
Issue Took or threatened to take negative or legal action
Timely Yes
Company Atlantic Credit & Finance, Inc.
Product Debt collection
Sub Issue Sued you without properly notifying you of lawsuit
Sub Product Other debt
Date Received 2017-04-25
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2017-04-25
Company Public Response Company has responded to the consumer and the CFPB and chooses not to provide a public response
Complaint What Happened I had a Line of Credit for {$20000.00} with XXXX of Florida and 5 years ago I stopped the monthly payments because I was renegotiating with them a Mortgage for my House. I XXXX XXXX XXXX I renegotiated the Mortgage and in XXXX of the same year I received a Law Suit from Atlantic Credit and Special Finance Unit LLC t o collect the total amount of the Lines of Credit through its Attorneys XXXX XXXX XXXX . I answered the Law Suit saying I did n't have any deb with Atlantic and I had never received a Notification from Beneficial informing that my account had been sold. Aft er one year they filed a Motion to Mediation but they did n't give me the opportunity to choose the Mediator and did n't follow the Procedures of the XXXX XXXX Court to go to Mediation. The day of the Mediation I attended the meeting but I told them that I wo n't participate because the irregularities they had done. At the beginning of this year there was a hearing in XXXX , XXXX XXXX Court, which was not attended personally by XXXX and the Judge accepted an Order to compel to mediation by XXXX XXXX XXXX .
Consumer Consent Provided Consent provided
1858493 2016-03-31 Disclosure verification of debt Debt collection
Issue Disclosure verification of debt
Timely Yes
Company Atlantic Credit & Finance, Inc.
Product Debt collection
Sub Issue Not given enough info to verify debt
Sub Product Other (i.e. phone, health club, etc.)
Date Received 2016-03-31
Submitted Via Referral
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2016-04-04
Company Public Response Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer Consent Provided N/A
1845613 2016-03-23 Taking/threatening an illegal action Debt collection
Issue Taking/threatening an illegal action
Timely Yes
Company Atlantic Credit & Finance, Inc.
Product Debt collection
Sub Issue Seized/Attempted to seize property
Sub Product Credit card
Date Received 2016-03-23
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2016-03-23
Company Public Response Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer Consent Provided Consent not provided
3108313 2018-12-24 Written notification about debt Debt collection
Issue Written notification about debt
Timely Yes
Company Atlantic Credit & Finance, Inc.
Product Debt collection
Sub Issue Didn't receive enough information to verify debt
Sub Product Credit card debt
Date Received 2018-12-24
Submitted Via Web
Company Response Closed with non-monetary relief
Consumer Disputed N/A
Date Sent To Company 2018-12-24
Company Public Response Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer Consent Provided Consent not provided
2558292 2017-06-25 Took or threatened to take negative or legal action Debt collection
Issue Took or threatened to take negative or legal action
Timely Yes
Company Atlantic Credit & Finance, Inc.
Product Debt collection
Sub Issue Seized or attempted to seize your property
Sub Product Credit card debt
Date Received 2017-06-25
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2017-06-25
Company Public Response Company has responded to the consumer and the CFPB and chooses not to provide a public response
Complaint What Happened There 's an old, unsecured line of credit I took out with XXXX XXXX XXXX / XXXX back in 2005. The original amount was {$7500.00} and I made payments periodically - but not always on time due to difficult financial circumstances. In total, I probably made {$2000.00} in payments over time. But, I 've been un / underemployed for most of the last 13 years and have struggled to simply make ends meet - much less make progress towards old debts. I have never filed for bankruptcy, nor do I intend to.

That debt was written off by XXXX / XXXX and the right to collect the debt was purchased for pennies on the dollar by Atlantic Credit & Finance. Atlantic Credit & Finance is somehow partnered up with a law firm called XXXX XXXX out of XXXX, FL.

They sought a legal judgment against me without properly without giving me proper notice and secured said judgment and had a lien imposed on my personal checking account. Now, any money that goes into that account will be garnished. I never had a hearing or opportunity to tell my side of the story to a judge or magistrate - although I am in the process of filing for such a hearing.

The judgment and the lien are for over {$9000.00} - although I know they bought the debt for only a fraction of the original {$7500.00} debt. This is wrong!! The interest / charges are criminal given the fact they bought the debt for pennies on the dollar.

Consumer Consent Provided Consent provided
1233594 2015-02-10 Managing the loan or lease Consumer Loan
Issue Managing the loan or lease
Timely Yes
Company Atlantic Credit & Finance, Inc.
Product Consumer Loan
Sub Product Installment loan
Date Received 2015-02-10
Submitted Via Phone
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2015-02-13
Consumer Consent Provided N/A
2575565 2017-07-16 Attempts to collect debt not owed Debt collection
Issue Attempts to collect debt not owed
Timely Yes
Company Atlantic Credit & Finance, Inc.
Product Debt collection
Sub Issue Debt is not yours
Sub Product I do not know
Date Received 2017-07-16
Submitted Via Web
Company Response Closed with non-monetary relief
Consumer Disputed N/A
Date Sent To Company 2017-07-18
Company Public Response Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer Consent Provided Consent not provided
1709599 2015-12-18 Cont'd attempts collect debt not owed Debt collection
Issue Cont'd attempts collect debt not owed
Timely Yes
Company Atlantic Credit & Finance, Inc.
Product Debt collection
Sub Issue Debt is not mine
Sub Product Credit card
Date Received 2015-12-18
Submitted Via Web
Company Response Closed with non-monetary relief
Consumer Disputed No
Date Sent To Company 2015-12-18
Company Public Response Company chooses not to provide a public response
Consumer Consent Provided Consent not provided
2773828 2018-01-06 Written notification about debt Debt collection
Tags Servicemember
Issue Written notification about debt
Timely Yes
Company Atlantic Credit & Finance, Inc.
Product Debt collection
Sub Issue Didn't receive notice of right to dispute
Sub Product I do not know
Date Received 2018-01-06
Submitted Via Web
Company Response Closed with non-monetary relief
Consumer Disputed N/A
Date Sent To Company 2018-01-06
Company Public Response Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer Consent Provided Consent not provided
2902762 2018-05-11 Communication tactics Debt collection
Issue Communication tactics
Timely Yes
Company Atlantic Credit & Finance, Inc.
Product Debt collection
Sub Issue Frequent or repeated calls
Sub Product Credit card debt
Date Received 2018-05-11
Submitted Via Web
Company Response Closed with non-monetary relief
Consumer Disputed N/A
Date Sent To Company 2018-05-11
Company Public Response Company has responded to the consumer and the CFPB and chooses not to provide a public response
Complaint What Happened This company has sent me multiple letters and has reached and spoken to me by phone so they are aware they have my correct information. I told them I would pay when I could and to stop calling until then. After that, that have harassed/repeatedly called my parents and several grandparents and have given information that this was concerning a debt which should not be given to family members
Consumer Consent Provided Consent provided
1279587 2015-03-12 Communication tactics Debt collection
Issue Communication tactics
Timely Yes
Company Atlantic Credit & Finance, Inc.
Product Debt collection
Sub Issue Used obscene/profane/abusive language
Sub Product Medical
Date Received 2015-03-12
Submitted Via Web
Company Response Closed with non-monetary relief
Consumer Disputed No
Date Sent To Company 2015-03-19
Company Public Response Company chooses not to provide a public response
Consumer Consent Provided N/A
1116495 2014-11-14 Taking/threatening an illegal action Debt collection
Issue Taking/threatening an illegal action
Timely Yes
Company Atlantic Credit & Finance, Inc.
Product Debt collection
Sub Issue Sued where didn't live/sign for debt
Sub Product Credit card
Date Received 2014-11-14
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2014-11-14
Consumer Consent Provided N/A
1646816 2015-11-09 Communication tactics Debt collection
Issue Communication tactics
Timely Yes
Company Atlantic Credit & Finance, Inc.
Product Debt collection
Sub Issue Frequent or repeated calls
Sub Product Credit card
Date Received 2015-11-09
Submitted Via Web
Company Response Closed with non-monetary relief
Consumer Disputed No
Date Sent To Company 2015-11-09
Company Public Response Company chooses not to provide a public response
Complaint What Happened The company is calling my work number to collect a debt.
Consumer Consent Provided Consent provided

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Bell Ryan

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MERLE MIKE

MIDLAND CREDIT MANAGEMENT, INC. - Active
Foreign Profit (2008 )
ASSET ACCEPTANCE CAPITAL CORP. - Inactive
Foreign Profit (2010 - 2023)
MIDLAND FUNDING NCC-2 CORPORATION - Active
Foreign Profit (2008 )
MRC RECEIVABLES CORPORATION - Active
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ASCH ANDREW

MIDLAND CREDIT MANAGEMENT, INC. - Active
Foreign Profit (2008 )
ASSET ACCEPTANCE CAPITAL CORP. - Inactive
Foreign Profit (2010 - 2023)
MIDLAND FUNDING NCC-2 CORPORATION - Active
Foreign Profit (2008 )
ATLANTIC CREDIT & FINANCE SPECIAL FINANCE UNIT, LLC - Active
Foreign Limited Liability Co. (2010 )
MIDLAND FUNDING LLC - Active
Foreign Limited Liability Co. (2008 )
MRC RECEIVABLES CORPORATION - Active
Foreign Profit (2008 )
ATLANTIC CREDIT & FINANCE SPECIAL FINANCE UNIT III, LLC - Active
Foreign Limited Liability Co. (2010 )

Companies related by address

111 Franklin Road, SE, Roanoke, VA, 24011, US

ATLANTIC CREDIT & FINANCE SPECIAL FINANCE UNIT, LLC

111 Franklin Road, SE, Roanoke, VA, 24011, US

ATLANTIC CREDIT & FINANCE SPECIAL FINANCE UNIT, LLC

Date of last update: 01 Apr 2025

Sources: Florida Department of State

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