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  5. NICHOLAS FINANCIAL, INC.

NICHOLAS FINANCIAL, INC. - Florida Company Profile

Headquarter

Company Details

Entity Name: NICHOLAS FINANCIAL, INC.
Jurisdiction: FLORIDA
Filing Type: Domestic Profit

NICHOLAS FINANCIAL, INC. is structured as a Domestic Profit Corporation, which, in Florida signifies a Profit Corporation (also known as a C-Corporation). This business structure is recognized as a separate legal entity from its owners. This offers shareholders the benefit of limited liability protection, safeguarding their personal assets from the corporation's debts and obligations, and facilitates raising capital through the issuance of stock. In Florida, Domestic Profit Corporations are governed by Title XXXVI, Chapter 607, Florida Statutes – Florida Business Corporation Act.
Status: Inactive

The business entity is inactive. This status may signal operational issues or voluntary closure, raising concerns about the business's ability to repay loans and requiring careful risk assessment by lenders.

Date Filed: 23 Jul 1990 (35 years ago)
Date of dissolution: 27 Sep 2024 (7 months ago)
Last Event: ADMIN DISSOLUTION FOR ANNUAL REPORT
Event Date Filed: 27 Sep 2024 (7 months ago)
Document Number: L90100
FEI/EIN Number 593019317

Federal Employer Identification (FEI) Number assigned by the IRS.
Address: 26133 US Hwy 19N, Clearwater, FL, 33763, US
Mail Address: 26133 US Hwy 19N, Clearwater, FL, 33763, US
ZIP code: 33763
County: Pinellas
Place of Formation: FLORIDA

Links between entities

Type Company Name Company Number State
Headquarter of NICHOLAS FINANCIAL, INC., ALABAMA 000-935-405 ALABAMA
Headquarter of NICHOLAS FINANCIAL, INC., KENTUCKY 0621119 KENTUCKY
Headquarter of NICHOLAS FINANCIAL, INC., IDAHO 3665970 IDAHO
Headquarter of NICHOLAS FINANCIAL, INC., ILLINOIS CORP_67246756 ILLINOIS

Legal Entity Identifier

LEI number Registered As Jurisdiction Of Formation General Category Entity Status Entity created at
5493005OYHXSC9R6FU12 L90100 US-FL GENERAL ACTIVE -

Addresses
Legal C/O CT Corporation System, 1200 South Pine Island Road, Plantation, US-FL, US, 33324
Headquarters Building C, 2454 McMullen Booth Road, Suite 501 B, Clearwater, US-FL, US, 33759

Registration details
Registration Date 2016-04-12
Last Update 2023-08-04
Status LAPSED
Next Renewal 2017-04-08
LEI Issuer 5493001KJTIIGC8Y1R12
Corroboration Level FULLY_CORROBORATED
Data Validated As L90100

form 5500

Plan Name Plan Year EIN/PN Received Sponsor Total number of participants
NICHOLAS FINANCIAL, INC. EMPLOYEE WELFARE BENEFIT PLAN 2017 593019317 2018-09-06 NICHOLAS FINANCIAL, INC. 200
File View Page
Three-digit plan number (PN) 501
Effective date of plan 1997-02-01
Business code 522220
Sponsor’s telephone number 7277260763
Plan sponsor’s DBA name NICHOLAS FINANCIAL
Plan sponsor’s mailing address 2454 N MCMULLEN BOOTH RD, CLEARWATER, FL, 337591353
Plan sponsor’s address 2454 N MCMULLEN BOOTH RD, CLEARWATER, FL, 337591353

Number of participants as of the end of the plan year
Active participants 282
Retired or separated participants receiving benefits 1
Other retired or separated participants entitled to future benefits 0
NICHOLAS FINANCIAL, INC. EMPLOYEE WELFARE BENEFIT PLAN 2016 593019317 2017-09-14 NICHOLAS FINANCIAL, INC. 239
File View Page
Three-digit plan number (PN) 501
Effective date of plan 1997-02-01
Business code 522220
Sponsor’s telephone number 7277260763
Plan sponsor’s DBA name NICHOLAS FINANCIAL
Plan sponsor’s mailing address 2454 N MCMULLEN BOOTH RD, CLEARWATER, FL, 337591353
Plan sponsor’s address 2454 N MCMULLEN BOOTH RD, CLEARWATER, FL, 337591353

Number of participants as of the end of the plan year
Active participants 200

Signature of
Role Plan administrator
Date 2017-09-14
Name of individual signing KATIE MACGILLIVARY
Valid signature Filed with authorized/valid electronic signature
Role Employer/plan sponsor
Date 2017-09-14
Name of individual signing KATIE MACGILLIVARY
Valid signature Filed with authorized/valid electronic signature
NICHOLAS FINANCIAL, INC. EMPLOYEE WELFARE BENEFIT PLAN 2015 593019317 2016-09-21 NICHOLAS FINANCIAL, INC 292
File View Page
Three-digit plan number (PN) 501
Effective date of plan 1997-02-01
Business code 522220
Sponsor’s telephone number 7277260763
Plan sponsor’s DBA name NICHOLAS FINANCIAL
Plan sponsor’s mailing address 2454 N MCMULLEN BOOTH RD, CLEARWATER, FL, 337591353
Plan sponsor’s address 2454 N MCMULLEN BOOTH RD, CLEARWATER, FL, 337591353

Number of participants as of the end of the plan year
Active participants 239

Signature of
Role Plan administrator
Date 2016-09-21
Name of individual signing RALPH FINKENBRINK
Valid signature Filed with authorized/valid electronic signature
NICHOLAS FINANCIAL, INC. EMPLOYEE WELFARE BENEFIT PLAN 2014 593019317 2015-09-21 NICHOLAS FINANCIAL, INC 284
File View Page
Three-digit plan number (PN) 501
Effective date of plan 1997-02-01
Business code 522220
Sponsor’s telephone number 7277260763
Plan sponsor’s mailing address 2454 MCMULLEN BOOTH RD, CLEARWATER, FL, 33759
Plan sponsor’s address 2454 MCMULLEN BOOTH RD, CLEARWATER, FL, 33759

Number of participants as of the end of the plan year
Active participants 292

Signature of
Role Plan administrator
Date 2015-09-21
Name of individual signing RALPH FINKENBRINK
Valid signature Filed with authorized/valid electronic signature
NICHOLAS FINANCIAL , INC. EMPLOYEE WELFARE BENEFIT PLAN 2013 593019317 2014-09-05 NICHOLAS FINANCIAL INC 273
File View Page
Three-digit plan number (PN) 501
Effective date of plan 1997-02-01
Business code 522220
Sponsor’s telephone number 7277260763
Plan sponsor’s mailing address 2454 MCMULLEN BOOTH RD BLDG C, CLEARWATER, FL, 33759
Plan sponsor’s address 2454 MCMULLEN BOOTH RD BLDG C, CLEARWATER, FL, 33759

Number of participants as of the end of the plan year
Active participants 284

Signature of
Role Plan administrator
Date 2014-09-05
Name of individual signing RALPH FINKENBRINK
Valid signature Filed with authorized/valid electronic signature
NICHOLAS FINANCIAL, INC. RETIREMENT PLAN 2012 593019317 2015-06-25 NICHOLAS FINANCIAL, INC. 283
File View Page
Three-digit plan number (PN) 001
Effective date of plan 1994-07-01
Business code 522220
Sponsor’s telephone number 7277260763
Plan sponsor’s mailing address 2454 MCMULLEN BOOTH RD., BUILDING C ,SUITE 501B, CLEARWATER, FL, 33759
Plan sponsor’s address 2454 MCMULLEN BOOTH RD., BUILDING C ,SUITE 501B, CLEARWATER, FL, 33759

Plan administrator’s name and address
Administrator’s EIN 593019317
Plan administrator’s name NICHOLAS FINANCIAL, INC.
Plan administrator’s address 2454 MCMULLEN BOOTH RD., BUILDING C ,SUITE 501B, CLEARWATER, FL, 33759
Administrator’s telephone number 7277260763

Number of participants as of the end of the plan year
Active participants 252
Retired or separated participants receiving benefits 0
Other retired or separated participants entitled to future benefits 15
Deceased participants whose beneficiaries are receiving or are entitled to receive benefits 1
Number of participants with account balances as of the end of the plan year 97
Number of participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 0

Signature of
Role Plan administrator
Date 2015-06-25
Name of individual signing RALPH FINKENBRINK
Valid signature Filed with authorized/valid electronic signature
NICHOLAS FINANCIAL, INC. EMPLOYEE WELFARE BENEFIT PLAN 2012 593019317 2013-08-20 NICHOLAS FINANCIAL INC 269
File View Page
Three-digit plan number (PN) 501
Effective date of plan 1997-02-01
Business code 522220
Sponsor’s telephone number 7277260763
Plan sponsor’s mailing address 2454 MCMULLEN BOOTH ROAD, BLDG C, CLEARWATER, FL, 33759
Plan sponsor’s address 2454 MCMULLEN BOOTH ROAD, BLDG C, CLEARWATER, FL, 33759

Number of participants as of the end of the plan year
Active participants 273

Signature of
Role Plan administrator
Date 2013-08-20
Name of individual signing RALPH FINKENBRINK
Valid signature Filed with authorized/valid electronic signature
Role Employer/plan sponsor
Date 2013-08-20
Name of individual signing RALPH FINKENBRINK
Valid signature Filed with authorized/valid electronic signature
NICHOLAS FINANCIAL, INC. EMPLOYEE WELFARE BENEFIT PLAN 2011 593019317 2012-09-21 NICHOLAS FINANCIAL INC 255
File View Page
Three-digit plan number (PN) 501
Effective date of plan 1997-02-01
Business code 522220
Sponsor’s telephone number 7277260763
Plan sponsor’s mailing address 2454 MCMULLEN BOOTH ROAD, BLDG C, CLEARWATER, FL, 33759
Plan sponsor’s address 2454 MCMULLEN BOOTH ROAD, BLDG C, CLEARWATER, FL, 33759

Plan administrator’s name and address
Administrator’s EIN 593019317
Plan administrator’s name NICHOLAS FINANCIAL INC.
Plan administrator’s address 2454 MCMULLEN BOOTH ROAD, BLDG C, CLEARWATER, FL, 33759
Administrator’s telephone number 7277260763

Number of participants as of the end of the plan year
Active participants 269
Retired or separated participants receiving benefits 0
Other retired or separated participants entitled to future benefits 0

Signature of
Role Plan administrator
Date 2012-09-21
Name of individual signing RALPH FINKENBRINK
Valid signature Filed with authorized/valid electronic signature
NICHOLAS FINANCIAL, INC. RETIREMENT PLAN 2010 593019317 2011-10-06 NICHOLAS FINANCIAL, INC. 238
File View Page
Three-digit plan number (PN) 001
Effective date of plan 1994-07-01
Business code 522220
Sponsor’s telephone number 7277260763
Plan sponsor’s mailing address 2454 MCMULLEN BOOTH RD., BUILDING C ,SUITE 501B, CLEARWATER, FL, 33759
Plan sponsor’s address 2454 MCMULLEN BOOTH RD., BUILDING C ,SUITE 501B, CLEARWATER, FL, 33759

Plan administrator’s name and address
Administrator’s EIN 593019317
Plan administrator’s name NICHOLAS FINANCIAL, INC.
Plan administrator’s address 2454 MCMULLEN BOOTH RD., BUILDING C ,SUITE 501B, CLEARWATER, FL, 33759
Administrator’s telephone number 7277260763

Number of participants as of the end of the plan year
Active participants 237
Retired or separated participants receiving benefits 0
Other retired or separated participants entitled to future benefits 21
Deceased participants whose beneficiaries are receiving or are entitled to receive benefits 1
Number of participants with account balances as of the end of the plan year 120
Number of participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 4

Signature of
Role Plan administrator
Date 2011-10-06
Name of individual signing RALPH FINKENBRINK
Valid signature Filed with authorized/valid electronic signature
NICHOLAS FINANCIAL, INC. EMPLOYEE WELFARE BENEFIT PLAN 2010 593019317 2011-08-24 NICHOLAS FINANCIAL INC 236
File View Page
Three-digit plan number (PN) 501
Effective date of plan 1997-02-01
Business code 522220
Sponsor’s telephone number 7277260763
Plan sponsor’s mailing address 2454 MCMULLEN BOOTH ROAD, BLDG C, CLEARWATER, FL, 33759
Plan sponsor’s address 2454 MCMULLEN BOOTH ROAD, BLDG C, CLEARWATER, FL, 33759

Plan administrator’s name and address
Administrator’s EIN 593019317
Plan administrator’s name NICHOLAS FINANCIAL INC
Plan administrator’s address 2454 MCMULLEN BOOTH ROAD, BLDG C, CLEARWATER, FL, 33759
Administrator’s telephone number 7277260763

Number of participants as of the end of the plan year
Active participants 255
Retired or separated participants receiving benefits 0
Other retired or separated participants entitled to future benefits 0

Signature of
Role Plan administrator
Date 2011-08-23
Name of individual signing RALPH FINKENBRINK
Valid signature Filed with authorized/valid electronic signature

Key Officers & Management

Name Role Address
NASHTATIK IRINA Chief Financial Officer 26133 US HIGHWAY 19 NORTH, CLEARWATER, FL, 33763
ROST MIKE Chief Executive Officer 26133 US HIGHWAY 19 NORTH, CLEARWATER, FL, 33763
CT CORPORATION SYSTEM Agent 1200 SOUTH PINE ISLAND ROAD, PLANTATION, FL, 33324

Events

Event Type Filed Date Value Description
ADMIN DISSOLUTION FOR ANNUAL REPORT 2024-09-27 - -
CHANGE OF PRINCIPAL ADDRESS 2023-02-24 26133 US Hwy 19N, Suite 300, Clearwater, FL 33763 -
CHANGE OF MAILING ADDRESS 2023-02-24 26133 US Hwy 19N, Suite 300, Clearwater, FL 33763 -
REGISTERED AGENT NAME CHANGED 2000-06-23 CT CORPORATION SYSTEM -
REGISTERED AGENT ADDRESS CHANGED 2000-06-23 1200 SOUTH PINE ISLAND ROAD, PLANTATION, FL 33324 -

Court Cases

Title Case Number Docket Date Status
Navy Federal Credit Union, Appellant(s) v. Nicholas Financial, Inc., and Yvette N. Crawford, Appellee(s). 5D2023-3498 2023-11-30 Open
Classification NOA Final - County Small Claims - Other
Court 5th District Court of Appeal
Originating Court County Court for the Eighteenth Judicial Circuit, Brevard County
2022-SC-031676

Parties
Name Navy Federal Credit Union
Role Appellant
Status Active
Representations Dana Robbins, W. Patrick Ayers
Name NICHOLAS FINANCIAL, INC.
Role Appellee
Status Active
Representations Drew Beinhaker
Name Yvette N. Crawford
Role Appellee
Status Active
Name Hon. David C. Koenig
Role Judge/Judicial Officer
Status Active
Name Clerk Brevard
Role Lower Tribunal Clerk
Status Active

Docket Entries
Docket Date 2023-11-30
Type Notice
Subtype Notice of Appeal
Description Notice of Appeal Filed ~ FILED BELOW 11/29/2023
On Behalf Of Navy Federal Credit Union
Docket Date 2023-11-30
Type Letter
Subtype Acknowledgment Letter
Description Acknowledgement Letter 1
Docket Date 2024-11-19
Type Notice
Subtype Notice of Supplemental Authority
Description Notice of Supplemental Authority
On Behalf Of Navy Federal Credit Union
Docket Date 2024-04-22
Type Notice
Subtype Notice
Description Notice of Panel Assignment
View View File
Docket Date 2024-02-07
Type Brief
Subtype Initial Brief
Description Initial Brief on Merits
On Behalf Of Navy Federal Credit Union
Docket Date 2024-01-12
Type Record
Subtype Record on Appeal Confidential
Description Confidential Record ~ 98 PAGES
On Behalf Of Clerk Brevard
Docket Date 2023-11-30
Type Order
Subtype Order on Filing Fee
Description Order to pay filing fee - Civil appeal (300)
Docket Date 2023-11-30
Type Misc. Events
Subtype Case Filing Fee Paid through Portal
Description CASE FILING FEE PAID THROUGH PORTAL ~ MFC: 9645573
KENNETH SMOTHERS VS PHARUS FUNDING LLC AS SUCCESSOR IN INTEREST TO NICHOLAS FINANCIAL INC. 6D2023-2614 2023-05-12 Closed
Classification NOA Final - County Small Claims - Other
Court 6th District Court of Appeal
Originating Court County Court for the Ninth Judicial Circuit, Orange County
2021-SC-038812-O

Parties
Name KENNETH SMOTHERS
Role Appellant
Status Active
Name PHARUS FUNDING LLC
Role Appellee
Status Active
Representations NOAM COHEN, ESQ.
Name NICHOLAS FINANCIAL, INC.
Role Appellee
Status Active
Name Hon. Eric H. DuBois
Role Judge/Judicial Officer
Status Active
Name TIFFANY RUSSELL, CLERK
Role Lower Tribunal Clerk
Status Active

Docket Entries
Docket Date 2023-10-24
Type Mandate
Subtype Mandate
Description Mandate
Docket Date 2023-10-24
Type Misc. Events
Subtype West Publishing
Description West Publishing
Docket Date 2023-09-22
Type Disposition
Subtype Dismissed
Description Dismissed - Order by Clerk
Docket Date 2023-08-14
Type Order
Subtype Order to File Response
Description ORD-TO FILE RESPONSE ~ The appellant shall respond to this court's fee May 12, 2023, fee order within 10 days of the present order, failing which this appeal will be subject to dismissal without further notice.
Docket Date 2023-06-28
Type Record
Subtype Record on Appeal
Description Received Records ~ DUBOIS- 68 PAGES
On Behalf Of TIFFANY RUSSELL, CLERK
Docket Date 2023-05-12
Type Notice
Subtype Notice of Appeal
Description Notice of Appeal Filed ~ WITH ORDER
On Behalf Of KENNETH SMOTHERS
Docket Date 2023-05-12
Type Letter
Subtype Acknowledgment Letter
Description Acknowledgment Letter 1
Docket Date 2023-05-12
Type Order
Subtype Order on Filing Fee
Description fee - civil; pro se
Docket Date 2023-05-12
Type Misc. Events
Subtype Fee Status
Description HL:Fee Owed
Docket Date 2023-09-22
Type Disposition by Order
Subtype Dismissed
Description SS dismissal; no fee/appeal ~ This appeal is dismissed for failing to pay the required filing fee or to submit an order from the lower tribunal adjudging appellant insolvent for purposes of appeal, as earlier directed by this court.

Documents

Name Date
ANNUAL REPORT 2023-01-18
ANNUAL REPORT 2022-01-24
ANNUAL REPORT 2021-01-29
ANNUAL REPORT 2020-01-21
ANNUAL REPORT 2019-01-28
ANNUAL REPORT 2018-04-30
ANNUAL REPORT 2017-02-20
ANNUAL REPORT 2016-03-08
AMENDED ANNUAL REPORT 2015-04-13
ANNUAL REPORT 2015-03-18

CFPB Complaint

Complaint Id Date Received Issue Product
11491634 2025-01-12 Attempts to collect debt not owed Debt collection
Issue Attempts to collect debt not owed
Timely Yes
Company Nicholas Financial Inc.
Product Debt collection
Sub Issue Debt is not yours
Sub Product I do not know
Date Received 2025-01-12
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-12
4076520 2021-01-19 Managing the loan or lease Vehicle loan or lease
Issue Managing the loan or lease
Timely Yes
Company Nicholas Financial Inc.
Product Vehicle loan or lease
Sub Issue Billing problem
Sub Product Loan
Date Received 2021-01-19
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2021-01-19
Complaint What Happened I PURCHASED THIS VEHICLE IN 2016 LOAN COMPANY AT THE TIME WAS PLATNUIM AUTO XXXX I MADE PAYMENTS AND SOME TIMES I WOULD DOUBLE UP I WAS PLACED ON A PAYMENT ARRANGEMENT UNTIL I GOT CAUGHT UP FEW MONTHS LATER I FINDS OUT THIS COMPANY TRANSFERED MY LOAN TO ANOTHER COMPANY NICHOLAS FINANCIAL THE PAYMENTS I WAS MAKING THE SUPERVISOR WAS TAKING IT AND SHE WAS FIRED SO NOW THIS COMPANY I'M WITH NOW HAS STARTED MY LOAN ALL OVER AND EACH TIME I'M MAKING A PAYMENT IT'S GOING TOWARDS THE INTEREST AND NOT THE CAR THE LOAN IS STILL AT XXXX I REFUSED TO CONTINUE TO MAKE PAYMENTS AND IT'S NOT GOING TOWARDS THE CAR I SHOULD HAVE BEEN DONE PAYING ON THIS CAR I'M CONSIDERING HAVING SOMEONE TO BUY IT I NEED SOME HELP PLEASE
Consumer Consent Provided Consent provided
4002904 2020-12-10 Incorrect information on your report Credit reporting, credit repair services, or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company Nicholas Financial Inc.
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Account information incorrect
Sub Product Credit reporting
Date Received 2020-12-10
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2020-12-10
Complaint What Happened On XX/XX/17 I received a loan with a finance company XXXX XXXX, my loan amount and length of agreement were {$410.00} for XXXX months. On XX/XX/XXXX my account was closed and paid in full, then I began to receive calls from a company I never hear of, this company was charging me a monthly fee on this loan that was already paid for, they also took possession of my vehicle and sold it at auction way below the price. I have bank statements, copy of my report stating it was payed, I have also made wire payments because they refuse to take bank or credit card payments. Please help this company is ruining my credit with false collections, its inaccurate information, they wont provide me with any informed, paperwork. According to this company they bought my account and didnt now it was paid
Consumer Consent Provided Consent provided
7619892 2023-10-02 Incorrect information on your report Credit reporting or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company Nicholas Financial Inc.
Product Credit reporting or other personal consumer reports
Sub Issue Account information incorrect
Sub Product Credit reporting
Date Received 2023-10-02
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-10-02
Complaint What Happened Item 11 : - Account Name : XXXX - Inquiry Date : XX/XX/XXXX Fraudulent Other Accounts Other accounts : - Account Name : XXXX XXXX XXXX XXXX - Account Date : XX/XX/XXXX -Account type : lease -Balance : XXXX XXXX XXXX XXXX XXXX and XXXX dollars - Reason for Dispute : Because this specific collection is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. Item 5 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. Item 6 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
Consumer Consent Provided Consent provided
7620587 2023-10-02 Incorrect information on your report Credit reporting or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company Nicholas Financial Inc.
Product Credit reporting or other personal consumer reports
Sub Issue Account information incorrect
Sub Product Credit reporting
Date Received 2023-10-02
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-10-02
Complaint What Happened NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. - Account Name : XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
Consumer Consent Provided Consent provided
3645180 2020-05-10 Struggling to pay your loan Vehicle loan or lease
Tags Servicemember
Issue Struggling to pay your loan
Timely Yes
Company Nicholas Financial Inc.
Product Vehicle loan or lease
Sub Issue Denied request to lower payments
Sub Product Loan
Date Received 2020-05-10
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2020-05-10
Complaint What Happened In XX/XX/2020 due to COVID-19 being laid off from job, I made a request for a Hardship. I was told I had to pay the interest. I was sent a deferment form to complete. I refused to sign it because I had asked for a Hardship and was told it was the same thing. I later contact other companies and lenders and was told a deferment and hardship is two different things. I the contacted the corporate office and spoke with XXXX who stated his supervisor informed him that they would do a hardship only if I pay a full month. It is my understanding due to the COVID-19 several lenders are giving people 2 to 3 months. Because I refuse to sign a deferment and pay XXXX that I didn't have at the time, I requested a Hardship. Nicholas Financial reported negative information on my credit in retaliation to cause damage. My credit report shows never late over 30 days for the past two years and they are being very inconsiderate due to the pandemic that is happening with borrower. The Care Act inform lenders and creditor to remove late fees and not to report anything negative that will effect one credit during this time. Nicholas Financial refuse to comply with the Care Act
Consumer Consent Provided Consent provided
3669597 2020-05-27 Managing the loan or lease Vehicle loan or lease
Issue Managing the loan or lease
Timely Yes
Company Nicholas Financial Inc.
Product Vehicle loan or lease
Sub Issue Billing problem
Sub Product Loan
Date Received 2020-05-27
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2020-05-27
Complaint What Happened Ive been with Nicholas Financial for almost two years. Our relationship started off Rocky soon as I purchased A XXXX XXXX XXXX my car begin to have MAJOR transmission problems I had to pay money out my pocket multiple times to get my car back and running and I was also missing work because of this situation. It was times the car wouldnt go in reverse and I was stuck out of town for HOURS. I got stuck on the highway, this car was very dangerous to drive. I became late on my car loan because Im not financially able to spend that much money on fixing a car that I just bought and still have to pay rent and utilities. So I became late almost every month because I was too busy trying to catch up on rent and utilities. I believe if I was never sold a lemon I would have been able to afford having my car paid on time every month. I need Nicholas to help and change my late payments to positive it would really help with all thats going on in the world right now.
Consumer Consent Provided Consent provided
3431571 2019-11-07 Incorrect information on your report Credit reporting, credit repair services, or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company Nicholas Financial Inc.
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Information belongs to someone else
Sub Product Credit reporting
Date Received 2019-11-07
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2019-11-07
Complaint What Happened I checked my XXXX Credit Report and note a hard inquiry on my Credit Report from " Nicholas Finance '', for which I have no knowledge of nor have I contracted with them. Nicholas Finance has not provided any contact or account information so that is verified or validated.This debt does not belong to me by any means and is reporting inaccurately and hurting my credit. I should not have to suffer for inaccuracies reporting on my credit report that are not my debts. If they can not provide a breakdown of fees including any collection costs and charges, provide a copy of my signature with the provider of service then I demand that they cease any credit bureau reporting until debt has been validated by me.
Consumer Consent Provided Consent provided
2781097 2018-01-14 Attempts to collect debt not owed Debt collection
Issue Attempts to collect debt not owed
Timely Yes
Company Nicholas Financial Inc.
Product Debt collection
Sub Issue Debt was paid
Sub Product Auto debt
Date Received 2018-01-14
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2018-01-14
Consumer Consent Provided Consent not provided
2967773 2018-07-19 Problem with a credit reporting company's investigation into an existing problem Credit reporting, credit repair services, or other personal consumer reports
Tags Servicemember
Issue Problem with a credit reporting company's investigation into an existing problem
Timely Yes
Company Nicholas Financial Inc.
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Their investigation did not fix an error on your report
Sub Product Credit reporting
Date Received 2018-07-19
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2018-07-19
Complaint What Happened To whom it May Concern, I have disputed Nicholas Financial with XXXX and XXXX, each month for 3 months starting back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX regarding a account being unverified each dispute Nicholas financial has came back as verified. Nicholas Financial has been recording account as date opened XX/XX/2013 with the amounts {$6600.00} listed on the credit report. On XX/XX/XXXX XXXX sent a debt validation letter for Nicholas financial to verify the debt regarding what was sent based on my credit report. I have attached the letter that was sent by Nicholas Financial company regarding validating the debt.
Consumer Consent Provided Consent provided
2771948 2018-01-04 Problem with a credit reporting company's investigation into an existing problem Credit reporting, credit repair services, or other personal consumer reports
Issue Problem with a credit reporting company's investigation into an existing problem
Timely Yes
Company Nicholas Financial Inc.
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Investigation took more than 30 days
Sub Product Credit reporting
Date Received 2018-01-04
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2018-01-04
Complaint What Happened On XXXX XXXX 2017 Hurricane Irma hits XXXX. Therefore, I was out of work for an entire month. This represented a huge cut on my income. I was struggling to make payments on the car loan for the first time since I purchased the vehicle. I spoke to the bank and requested to give me a grace period but they denied my request. In addition to this ordeal, on XX/XX/XXXX my XXXX year old son drove my car and totaled the vehicle. Unfortunately, Insurance company refused to cover the expenses due to the fact that he was not added to the insurance policy. I had no choice but to let the bank repossessed the vehicle. I was left without a car and with a negative remark on my credit report.
Consumer Consent Provided Consent provided
3032935 2018-09-29 Improper use of your report Credit reporting, credit repair services, or other personal consumer reports
Issue Improper use of your report
Timely Yes
Company Nicholas Financial Inc.
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Credit inquiries on your report that you don't recognize
Sub Product Credit reporting
Date Received 2018-09-29
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2018-09-29
Complaint What Happened On XX/XX/2018 I was in the process of buying a car. However I was not aware that the company that I was buying the car ran my credit over 15 times with multiple different companies. Consequently no company agreed to finance me due to not showing enough debt to income. With that being said, I still am stuck without a vehicle. So I took it upon myself to write to the different companies asking for favor, second chances and good faith. If they could not find any of the 3 then would they please remove this inquiry so that I will have the opportunity to purchase a vehicle. Thus far several of the companies have worked with me and removed the inquiry because they understand that NO-ONE is going to finance me with all of these inquiries on my credit report. They also apologized for the inconvenience and stated that give it 30-45 days to clear and to find a better paying job then come back and they will try to work something out for me. Now my problem is this company called Nicholas Financial Inc. will not budge. XXXX XXXX XXXX has stated in several of the letters that even though they will not finance me, nor give me an option to receive a second chance, they will not remove this inquiry. Then she stated in another letter that all dealerships have the right to pull credit reports even if they know they are not going to finance that person. So what is the purpose of pulling someones credit report when you know that it will hinder their chances in the future. I have sent 3 letters, pleading and begging that XXXX XXXX please remove this inquiry. I still need to purchase a vehicle so that i can get to the " low income '' job as was stated in another letter. I still need a vehicle to get to and from period. Why is it so hard for you to remove this inquiry? What would happen if this inquiry removed? Who would hurt from your company if you deleted this inquiry? XXXX XXXX also wanted me to know, " that several inquiries over a short period of time from the same type lender within a short period of time only affect your credit ''! With that being said, then what is the hassle to help someone out and remove the inquiry?
Consumer Consent Provided Consent provided
3237247 2019-05-09 Written notification about debt Debt collection
Issue Written notification about debt
Timely Yes
Company Nicholas Financial Inc.
Product Debt collection
Sub Issue Didn't receive notice of right to dispute
Sub Product Auto debt
Date Received 2019-05-09
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2019-05-09
Consumer Consent Provided Consent not provided
2709859 2017-10-20 Incorrect information on your report Vehicle loan or lease
Issue Incorrect information on your report
Timely Yes
Company Nicholas Financial Inc.
Product Vehicle loan or lease
Sub Issue Account status incorrect
Sub Product Loan
Date Received 2017-10-20
Submitted Via Referral
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2017-10-23
Consumer Consent Provided N/A
856339 2014-05-16 Managing the loan or lease Consumer Loan
Issue Managing the loan or lease
Timely Yes
Company Nicholas Financial Inc.
Product Consumer Loan
Sub Product Vehicle loan
Date Received 2014-05-16
Submitted Via Phone
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2014-05-20
Consumer Consent Provided N/A
2777949 2018-01-10 False statements or representation Debt collection
Issue False statements or representation
Timely Yes
Company Nicholas Financial Inc.
Product Debt collection
Sub Issue Attempted to collect wrong amount
Sub Product Auto debt
Date Received 2018-01-10
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2018-01-10
Complaint What Happened There were faults done by both the Dealership I purchased this vehicle from XXXX XXXX as well the Creditor Nicholas Financial. First off thank god the dealership was caught red handed and the government shut them down and a class action was filed. But the dealer offered a warranty that they did not back, I had multiple issues with this vehicle and they refused to fix with the purchased warranty, so I had to return it. And that 's not the creditor 's fault I blame them zero for that so I never approached it. My problem with the creditor is they improperly handled my case. By law they have to notify me that my car was being sold so I have the option to buy. Then it was sold and and any money owed to me or owed to the creditor has never been updated. In their system the original price was roughly {$9000.00} and I owe them {$13000.00} on a XXXX loan. They show no credit for my car being sold taken off of the balance. So they have double dipped on my automobile. They got the car back and did n't credit me for the sale price. Well I searched the vin and contacted the purchaser, he purchased it as is from an auction in north Carolina for {$10000.00}. My question is where is the credit for the sold amount? Please take a look at my file for yourself and see nothing has been updated and I owe {$13000.00} on a {$9000.00} vehicle with NO CREDIT from the sale of the vehicle. The question further in this is did they claim the full {$13000.00} tax loss when they received money from the sale of my vehicle? If this proceeds a further in depth look will be done.
Consumer Consent Provided Consent provided
712622 2014-02-13 Managing the loan or lease Consumer Loan
Issue Managing the loan or lease
Timely Yes
Company Nicholas Financial Inc.
Product Consumer Loan
Sub Product Vehicle loan
Date Received 2014-02-13
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed Yes
Date Sent To Company 2014-02-15
Consumer Consent Provided N/A
1213185 2015-01-27 Problems when you are unable to pay Consumer Loan
Issue Problems when you are unable to pay
Timely Yes
Company Nicholas Financial Inc.
Product Consumer Loan
Sub Product Vehicle loan
Date Received 2015-01-27
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed Yes
Date Sent To Company 2015-01-30
Consumer Consent Provided N/A
1871092 2016-04-08 Taking out the loan or lease Consumer Loan
Issue Taking out the loan or lease
Timely Yes
Company Nicholas Financial Inc.
Product Consumer Loan
Sub Product Vehicle lease
Date Received 2016-04-08
Submitted Via Web
Company Response Closed
Consumer Disputed Yes
Date Sent To Company 2016-04-12
Complaint What Happened In 2006 my identity was stolen when my vehicle was broken into and wallet was stolen with my social security card, drivers license and bank cards. My identity was used without my knowledge to purchase a vehicle through a company call Nicholas Financial Inc / Investment Retrievers. I contacted this company on several occasions to have this issue resolved. I was ask by the police department to have this company release all documentation so that they can do a full investigation but was told that they cant provide anything without a summon and the police are saying they cant move forward without the documentation. This is affecting my credit.
Consumer Consent Provided Consent provided
9383618 2024-06-30 Improper use of your report Credit reporting or other personal consumer reports
Issue Improper use of your report
Timely Yes
Company Nicholas Financial Inc.
Product Credit reporting or other personal consumer reports
Sub Issue Reporting company used your report improperly
Sub Product Credit reporting
Date Received 2024-06-30
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-06-30
Consumer Consent Provided Consent not provided
1305745 2015-03-27 Problems when you are unable to pay Consumer Loan
Issue Problems when you are unable to pay
Timely Yes
Company Nicholas Financial Inc.
Product Consumer Loan
Sub Product Vehicle loan
Date Received 2015-03-27
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed Yes
Date Sent To Company 2015-04-01
Company Public Response Company believes it acted appropriately as authorized by contract or law
Consumer Consent Provided Consent not provided
891962 2014-06-12 Managing the loan or lease Consumer Loan
Issue Managing the loan or lease
Timely Yes
Company Nicholas Financial Inc.
Product Consumer Loan
Sub Product Vehicle loan
Date Received 2014-06-12
Submitted Via Web
Company Response Closed
Consumer Disputed Yes
Date Sent To Company 2014-06-16
Consumer Consent Provided N/A
7611442 2023-09-27 Incorrect information on your report Credit reporting or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company Nicholas Financial Inc.
Product Credit reporting or other personal consumer reports
Sub Issue Account information incorrect
Sub Product Credit reporting
Date Received 2023-09-27
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-09-27
Complaint What Happened Item 5 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please. Item 6 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please. Item 7 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
Consumer Consent Provided Consent provided
1283359 2015-03-14 Improper contact or sharing of info Debt collection
Issue Improper contact or sharing of info
Timely Yes
Company Nicholas Financial Inc.
Product Debt collection
Sub Issue Talked to a third party about my debt
Sub Product Auto
Date Received 2015-03-14
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed Yes
Date Sent To Company 2015-03-14
Consumer Consent Provided N/A
6587727 2023-02-19 Incorrect information on your report Credit reporting, credit repair services, or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company Nicholas Financial Inc.
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Information belongs to someone else
Sub Product Credit reporting
Date Received 2023-02-19
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-02-19
Consumer Consent Provided Consent not provided
7611435 2023-09-27 Incorrect information on your report Credit reporting or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company Nicholas Financial Inc.
Product Credit reporting or other personal consumer reports
Sub Issue Account information incorrect
Sub Product Credit reporting
Date Received 2023-09-27
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-09-27
Complaint What Happened Item 5 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. Item 6 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. Item 7 : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
Consumer Consent Provided Consent provided
7611502 2023-09-27 Incorrect information on your report Credit reporting or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company Nicholas Financial Inc.
Product Credit reporting or other personal consumer reports
Sub Issue Account information incorrect
Sub Product Credit reporting
Date Received 2023-09-27
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-09-27
Complaint What Happened Item XXXX : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please. Item XXXX : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please. Item XXXX : - Account Name : NICHOLAS FINANCIAL - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the XXXX XXXX XXXX all fraudulent inquiries should be removed please.
Consumer Consent Provided Consent provided
1193472 2015-01-14 Managing the loan or lease Consumer Loan
Issue Managing the loan or lease
Timely Yes
Company Nicholas Financial Inc.
Product Consumer Loan
Sub Product Vehicle loan
Date Received 2015-01-14
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed No
Date Sent To Company 2015-01-16
Consumer Consent Provided N/A
7008143 2023-05-22 Incorrect information on your report Credit reporting, credit repair services, or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company Nicholas Financial Inc.
Product Credit reporting, credit repair services, or other personal consumer reports
Sub Issue Account information incorrect
Sub Product Credit reporting
Date Received 2023-05-22
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2023-05-22
Complaint What Happened Consumer defaulted on a auto/installment loan XX/XX/XXXX. No payments were made by the consumer after XX/XX/XXXX. Lender falsely reported payments made in XXXX that we're not made by the consumer. Lender also held the account open past 120 days and did not report the account charged off/closed until XXXX. Consumer believes lender reported inaccurate payment information and held the account open past 120 days to maliciously further hurt consumers credit and to give them more time to collect the debt. Consumer filed a dispute with the credit bureau but no action was taken by the lender or the credit bureau to correct the inaccuracies.
Consumer Consent Provided Consent provided
4188397 2021-03-05 False statements or representation Debt collection
Issue False statements or representation
Timely Yes
Company Nicholas Financial Inc.
Product Debt collection
Sub Issue Attempted to collect wrong amount
Sub Product Auto debt
Date Received 2021-03-05
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2021-03-05
Consumer Consent Provided Consent not provided
4576940 2021-07-27 Attempts to collect debt not owed Debt collection
Issue Attempts to collect debt not owed
Timely Yes
Company Nicholas Financial Inc.
Product Debt collection
Sub Issue Debt was paid
Sub Product Auto debt
Date Received 2021-07-27
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2021-07-27
Complaint What Happened This complaint is against Nicholas financial. This vehicle is attach to account # XXXX. This account was involved in an accident and paid for by gap insurance. So imagine my surprise to see that this company is reporting this as a voluntary repo to all three bureaus. Im requesting a removal Of this account from my credit report. According to fcra information must. Reported with 100 % but this isnt accurate help me
Consumer Consent Provided Consent provided

Paycheck Protection Program

Loan Number Loan Funded Date SBA Origination Office Code Loan Delivery Method Borrower Street Address
1448207804 2020-05-21 0455 PPP 2454 MCMULLEN BOOTH RD, CLEARWATER, FL, 33759-1343
Loan Status Date 2022-06-16
Loan Status Paid in Full
Loan Maturity in Months 24
SBA Guaranty Percentage 100
Loan Approval Amount (at origination) 3243900
Loan Approval Amount (current) 3243900
Undisbursed Amount 0
Franchise Name -
Lender Location ID 58036
Servicing Lender Name Fifth Third Bank
Servicing Lender Address 38 Fountain Sq Plz, CINCINNATI, OH, 45263
Rural or Urban Indicator U
Hubzone N
LMI N
Business Age Description Existing or more than 2 years old
Project Address CLEARWATER, PINELLAS, FL, 33759-1343
Project Congressional District FL-12
Number of Employees 274
NAICS code 522220
Borrower Race Unanswered
Borrower Ethnicity Unknown/NotStated
Business Type Corporation
Originating Lender ID 58036
Originating Lender Name Fifth Third Bank
Originating Lender Address CINCINNATI, OH
Gender Unanswered
Veteran Unanswered
Forgiveness Amount -
Forgiveness Paid Date -

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No other companies in our directory share the same address as NICHOLAS FINANCIAL, INC.

Date of last update: 01 May 2025

Sources: Florida Department of State

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