I own a small business and was contacted by MCA in hopes of helping my company during our hardship in regards to financial relief for a loan repayment. In the beginning they were constantly in contact with me and seemed like a huge benefit. I consulted my financial advisor and after reviewing what they were offering we decided to go into an agreement. We went through all the necessary steps and procedures and starting paying off the debt. They also informed us that they would contact our original loan company and settle with them for a lessor amount and that we no longer would have to deal with them because MCA was advising them that they were taking over our account. We were told that the first week the old lender would attempt to contact us but to inform them to contact MCA directly moving forward. Unfortunately the calls, emails, letters, etc never ceased as we were told and about six or seven months into the agreement we received an email requesting us to set up our account to get started. This was puzzling since we had already been paying them for over half a year. My financial advisor assumed it had to be a mistake and so we reached out to them to get the situation rectified. Upon talking to them further we were informed that we needed to start the entire process over and that they had never contacted our original lender which explains why the contact continued. We had also reached out a few months in to let them know that they were still contacting us but we were never told that our account needed to be restarted. It wasn't until I received a phone call requesting me to make an extra payment outside of our repayment schedule that I knew this was more than just a mistake or a misunderstanding. I contacted our representative that I had been in contact with this whole process only to be told that he was never my representative and only a customer service agent. The whole ordeal took a turn for the worse and it ended in me having to do a stop payment with my bank as well as threatening legal action to find out where all the money I had paid went to. After about two months they contacted me about a reimbursement but no one is able to tell me what the amount of the reimbursement will be or the date it will be deposited back into my account. I was told only the accounting department could give me those details but that they do not have a contact number. I have emailed the supervisor of the accounting department Micheal Shelby but have yet to receive any correspondence back. I would not recommend utilizing them for any business dealing financial or other wise. This was a complete waste of my companies time and has set us even further back then we started.