Platinum Auto Finance Consumer Reviews

CLEARWATER, FLORIDA -- I'm going to be straight with you about this auto lender. I was in a bad financial situation because of a terrible car dealer that sold me a car (A&M Auto). A&M screwed me over. They took my paid off car as a trade in, showed me a perfect inspection report on the car I was buying, swore up and down nothing was wrong with it, etc etc... The car broke down 3 days after I purchased it. I cannot explain enough about the terrible stress that this dealer caused me.

They said I broke the car, everything was my fault, and ignored all the issues I was having. I almost lost my job and had to pay out the ** for a rental car more than once. The situation spiraled out of control and I had a break down of my own. I was scared, hopeless, and the last phone call I was going to take was my auto lender, Platinum Auto Finance... But I had no choice.

The voice on the other end was **/Manager for Platinum. I spilled my guts and told him everything. After a short time, I had to stop and ask if he was still there? He was. ** was listening. He wasn't just hearing me, he was understanding my situation and clearly comprehending the stress I had been feeling. Not once did he interrupt. The real proof of the character of Platinum was crystal clear in their actions. I wasn't asking for some ridiculous favor or a miracle; I just told the truth and they were the ones that helped me!

So for all of you out there that want to blame the lender for your unfortunate situation, let me be the first to tell you just how wrong you are. They are on your side. If you want to know more I'd be more than happy to elaborate. Leave a comment here with contact info and I will contact you. I stand by my word based on personal experience.

CHARLOTTE NC THEN CLEARWATER FLA, FLORIDA -- Ok let me preface this review by stating, my initial experience with Platinum from 10/2016 with the Charlotte, NC location was phenomenal especially Ms. Debbie. She was awesome & I only called to make a payment (which was never late nor missed). I received an email from Platinum Finance (Melissa **) on 7/16/18 stating this is new contact info. (Florida location). I was like oh ok.

Fast forward to 10/8/18. I'm in an accident, car deemed total loss by State Farm. My car payment was due on 10/12, State Farm sends me correspondence stating it's a total loss. No payment was made. State Farm called to obtain pay off. 10/22 check mailed to Platinum, they were aware that vehicle was being a loss but I was still receiving “Friendly reminders” to pay. I spoke to multiple reps advising there's an active claim and that a check should be received and to prevent a late payment being reported to my credit because I'd never been late or missed a payment.

I was placed on an extensive hold and told check not received. State Farm provided me copy of cancelled check. I emailed the individual mentioned above re: new contact person etc. Initial response was in a timely manner. The subsequent emails were not responded too & I was advised the claim for gap insurance was going to be filed on 10/5 but I called SafeGuard today & there was no claim on file. She did say they received check on 10/30, I knew that hence “copy of cancelled check”.

Now I've been calling all morning attempting to obtain documents needed for gap claim and no one is liters answering. It keeps going to a “Fernando” voicemail when you select option 4 for customer service. Yes I'm writing this extensive review because CarMax won't finance a vehicle because the totaled vehicle still shows on my credit as if I still have it in my possession.

Beyond frustrated, I'm pissed!!! Insert EVERY expletive and derogatory word imaginable. Can you imagine doing everything that needed to be done in a timely manner to ensure no delays in processing only to find out the one thing you depended on someone to do, wasn't done. So you take the initiative to do so and you can't reach the dept to obtain info needed so the claim to be reviewed by another adjuster. And you're in a new city alone with no transportation & no access to public transportation in your immediate area and you're utilizing Uber when you literally trust no one because the world so messed up.

Yeah they suck and this is dealing with this particular office since 10/18/18. The local Charlotte office were kind, knowledgeable, busy but still retained the sense of customer service in spite of, they were respectful and remembered your name. Most of all you felt APPRECIATED!!!

CLEARWATER, FLORIDA -- Like most of the other reviews, my experience with Platinum Auto Finance has been a headache. They call when I do and don't owe money. They don't care about your issues or what's going on even though they ask you that. My mother was in the hospital with cancer, and I had to go back and forth to visit her. They even held on to my card number which they're not suppose to do. They authorized more than one payment on that, even after telling me it would not be on file, that's theft!!! Which makes me wonder what else they'll do that you don't know about. They claim there's no way to verify what was said, but all calls are recorded.

DON'T GO THROUGH THESE PEOPLE!!! I fell behind once and they were ready to repo my car, I mean what the hell. The managers are absolutely rude. THEY ARE OUT FOR YOUR MONEY AND WILL LEAVE YOU IN THE DUST!! PLEASE, PLEASE BEWARE! They work with dealerships to sell who work with people who have bad credit only to screw when something happens. They don't care about you or helping your credit rise. They act like they do but they don't.

CLEARWATER, FLORIDA -- I purchased a car from Platinum Auto Finance in Clearwater FL (Harn Blvd. and U.S. 19) about 3 years ago and recently traded the vehicle I purchase through them, just to get away from their nonsense. Their finance department has the rudest staff I've ever conducted business with.

I would have instances where I called them to pay my car note early, and I was given an attitude where I was bothering them. Not to mention, their warranties/vehicles are bogus. They say a warranty covers x, y, z repairs, but when it's time to repair whatever is broken, they can't because of "legal limitations." They also like to put you on an auto-pay plan, and take money from you, whenever they feel (not when your car note is due).

I implore anyone that's reading this; PLEASE DO NOT PURCHASE A VEHICLE OR ANY PRODUCTS FROM THEM. Yes, they're readily available to extend credit to those that are credit challenged, but at what cost??? Thanks, but no thanks. Don't buy anything from them.

CLEARWATER, FLORIDA -- My 1st car I got through them lasted 2 weeks and the engine blew. Then they slid me in to a PT CRUISE that cost 6000 more. I was in hospital for 2 weeks and the payment was 17 days late when they report it saying I hadn't contacted them, when in fact I had talked to ** about 4 times. He told me if I wanted my car back, call his cell because the corporate lines don't work and he never gets his messages. Then whoever drove my car ran up toll charges that I had to pay... and ** said "so what he wasn't paying them, it's not his problem" even though he had the car.... They have a D- on the BBB rating.

CHARLOTTE, NORTH CAROLINA -- I must say when Charlotte NC had the loans I thank them for allowing me to get a loan with their company and I will say that it was a big mistake when they gave all the accounts to Clearwater Florida because they are rude and demand for your personal information such as medical papers. I am trying my best to get another car and go thru someone else cause they are rude as hell and it makes no sense because if we as people have all the money in the world we would not need a FINANCE company. We can go pay cash off the car lots and I mean the big car lots. They don't want to work with you unless you get someone else from there that's nice.

CLEARWATER/FLORIDA, FLORIDA -- Worst customer service by two different associates, I was confused regarding my payments. First I spoke to a guy at 11:29 am 10/8/18 and my call got disconnected due to the service and when I was trying to call back he kept hanging up the phone for 4 times in a row. Finally I spoke to a lady and she got upset because I was confused and told me I have to get to Google to see how things work. I got upset and I answered blandly too due to my frustration. I come from customer service and honestly never been this rude to anyone.

Honestly can't wait to pay off my car to get rid of you guys. Never had an issue on the past. Every time I call I always have someone generous and cool, the lady who I spoke was at 11:36 am 10/08/18 for 5 minutes too. I hope they can learn how to treat customers because honestly customers doesn't go by. Yes a lady treated me bad. No they go by. Platinum Finance doesn't treat fair their customers. Have a nice day.

CLEAR WATER, FLORIDA -- Spoke to a Mel Fitz ** a very disrespectful rude lady. My husband called asking some questions about our options on possibly having to return our vehicle and she went full blown crazy on him literally demanding that we continue payments immediately or they WILL find another way to get that money from us. She referred to him as "dude". I asked to speak to a manager and she refused to put one on, I said, “I have all day and will continue to call back and ask for one” and her reply was "well I get paid by the hour and will be here till 7 so I have all day too". Completely condescending and laughing while I spoke. Terrible services.

CLEARWATER, FLORIDA -- I have found in dealing with Platinum Auto Finance the rule is simply give them people their ** and you won't have no problems. I have not experienced any one being rude to me. I only received good customer service. They answer the phone is quick and the people are always nice at the other end. I feel sorry for the people here who cannot pay their bill and got room service as a result. I hope that I'm able to finish my car payments without having such problems. I just wanted to put a good rating up here because they really are not all that bad and some of the ratings are really really bad and the bad ones are from people who can't pay the bill.

They are running a business and so of course they are going to want money and they are not going to take everybody's problems as personally as they would their own but most likely if someone was being rude it was because the person was asking them to do something that was not possible for them to do over and over again. I think Platinum Auto Finance is a good company to work with. Thank you for reading to the end.

CLEARWATER, FLORIDA -- I look at the other reviews and I think mine is no different from them. Sadly, after such a big struggle with health, no income, being considered "homeless" for a couple of months, we, as many other families have tried to catch up with our financial situation and health as well.

This said, after getting a raise in our rent it became impossible to pay our car. We tried to collect the money asked in order to help us maintain a good credit score but unfortunately, we had to decide between house rent, food and health. This is something that didn't matter to the rude lady that called my husband, yesterday, Wednesday 8/30. Her words, the tone on her voice, very upsetting. On the other hand, one of the gentleman that tried to contact us seemed to be more understanding and even though nothing can be done at this point, I really appreciate the way he treated my husband. It is a shame having to deal with people like this lady.