1 /5 Denise Delhoyo: ⚠️ Warning to Small Business Owners: Avoid MCA
MCA has taken advantage of my small business in a fraudulent and harmful way. I have proof that they withdrew payments from my checking account every two weeks, but instead of forwarding them as agreed, they only sent them once a month. This mishandling of funds directly caused two liens to be placed on my account and forced me to miss scheduled payments due to mishandling money taken out of my account.
When I questioned this, Allison Finch (Account Negotiator) lied and claimed my payments had been returned or declined — which is completely false. My bank records clearly show every payment cleared, proving MCA simply failed to forward them on time. Despite repeatedly asking to speak with her, I never received a call back. I also reached out by phone call and cc by email Marcus Ward (Director of Negotiations) and Michael Shelby (Director of Operations), but was ignored every time. No accountability.
When I asked about canceling, MCA told me I would have to pay 20% plus additional fees, and that it would take 30 days just to receive a breakdown. This is unreasonable, predatory, and designed to keep small businesses trapped.
MCA is not only unprofessional but also exploitative preying on businesses that turn to them for help. I strongly caution any business owner to avoid this company. As for me, I will make sure it stops with me, but you will be exposed.
If other small business owners have gone through similar experiences with MCA, I encourage you to share your story as well. Together, we can hold them accountable and ensure they are exposed. Please also consider filing complaints with the BBB, FTC, and your state attorney general so their predatory practices are formally investigated.