Merchant Acceptance Corporation

Complaint: ***I am rejecting this response because:Sincerely,*** ***....when they get the payment if they can take out there check book and write a check and send it back the payment no due...so there for I want the

Merchants Acceptance Corp.(MAC) obtained a judgment against Mr*** for non payment on a debt. A WRIT of garnishment was legally served on his employer and his wages are currently being garnished. MAC can not legally interrupt this garnishment process until the WRIT of garnishment
expires, which is days from when it was served on the employer. Once the employer is instructed to withhold wages for a judgement they are required by law to withhold or face penalties. We are more than happy to make a payment arrangement with Mr*** once the garnishment has expired but once it is enforced there is nothing we can do to stop the employer from withholding money out of his paycheck. Mr*** had several opportunities to make arrangements and dispute this debt throughout the legal process but has taken no action until his wages starting being garnished

Merchants Acceptance Corp (MAC) has completed an investigation in regards to this consumers complaint and found that the company acted appropriately and within state and federal laws as well as the terms of the contract. Mrs*** entered into a precomputed installment loan for the
financing of the Kirby home cleaning system. This loan was set to be repaid in installments of $168.08/mth for a total of $4,033.92, if the contract went the full term of months. Mrs*** has made timely payments on the account and is not past due. Her total contract balance as of right now if the contract went the full term of months is $3,080.44, this included finance charge that has yet to accrue on the account. Her early payoff of $2,is good until 12/5/16. The early payoff rebates all finance charge that has yet to accrue on the account. During both calls she was informed of these balances correctly. Mrs*** was setup to pay her account on automatic payments each month until recently on 11/4/when she sent written authorization to cancel the automatic payments. We do not send monthly bills for accounts on automatic paymentsWe send an initial letter confirming the automatic payment plan. Statements of account are available upon request. We have just recently mailed the customer a complete statement of account with full payment and billing history. Mrs*** was presented with all payment options on the account available to her based on the account status and payment history. I would be willing to consider making an exception in this case to possibly rewrite the contract for a longer term, however we don’t normally recommend this to the consumer unless absolutely necessary as it subjects the loan to additional finance charge as the term of the contract is extended. I will call the customer and go over this option with her and if she has any further questions or requires further assistance she can contact me directly at 866-883-

The customer had a months Same-As-Cash option on her contract. This option gives the customer months from the date of the contract (7/17/15) to pay the amount financed of $with no finance charge. The customers SAC option expired on 7/16/16. The payoff of $was not
received and posted to the account until 7/18/16. Since 7/16/was a Saturday we are honoring the customers SAC option and closing the account as Paid In Full with a zero balance owing

Merchant’s Acceptance Corp“MAC” has reviewed and investigated the complaint submitted by this consumer. MAC feels that is operated appropriately as authorized by contract or law. The discharge of bankruptcy was received in our offices on October 14, and the account is reporting
correctly to the credit bureaus as discharged with a zero balance, see the attached bullseye report from Experian. MAC did make an effort to confirm if the property secured by the loan would be returned or reaffirmed. The account is closed with a zero balance

We do apologize to Mrs*** there was an internal processing error for her recent payment taken on May 12, 2016. We have refunded this payment and are happy to refund any fees incurred by her bank for this mistake. The account is not delinquent and no collections calls are being made
to Mrs***. Her automatic payments will resume on 6/15/2016. Please have Mrs*** contact me directly if she needs any further assistance in the matter. Jarod Y*** 425-974-

We apologize that you are unhappy with our response. The file has been thoroughly investigated. All phone calls have been pulled, transaction information reviewed, etc... Nothing in your response can be confirmed. Furthermore it is your responsibility to update your automatic payment information should your card be deactivated for any reason

thank you yes I am happy now it's resolved Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meSincerely, *** ***

Merchants Acceptance Corp.(MAC) has investigated the complaint from Mrs***. We offer our apologies to Mrs*** for feeling like she was torn down or verbally abused, this is not the intent of any of our representatives. I have reviewed the call the Mrs*** is referring to
and did not feel that there was any abusive language, however this is the customers perception and perception is reality. I would also like to clarify that it is MAC policy to accept cancellations of automatic payments only in writing, this was explained to her. When we receive the request to cancel automatic payments in writing the customer then receives a coupon book to remit payments for the account, rather than a monthly paper statementThe representative did suggest alternatives to help the customer come up with additional income to make the payments, such as: part time job, borrowing from family, selling personal items, etc.. Never did the representative allude to the customer being lazy and refusing to pay. The representative also informed Mrs*** of the consequences for non payment, such as: negative marks on credit, possible legal action, etcWe always prefer working with our customers to design a payment program that works with their budget before repo'ing the merchandise; that said I am going to have the department manager contact Mrs*** directly to discuss the possibility of reduced payments, contract refinancing, suspension of past due, etc

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meSincerely, *** ***

Merchants Acceptance Corp“MAC” sincerely apologizes for Mrs***’s “Customer” recent customer service experience. MAC has investigated your complaint and will make every reasonable attempt to resolve it. MAC will be personally mailing the customer a letter of apology with the
Director of Account Servicing’s direct contact information should the customer have any further questions or concerns. MAC will send monthly statements of accounts to the customer as they have requested. MAC will also waive $in late and NSF fee’s causeD by the recent NSF payment on the account. MAC also apologizes if the customer was uncomfortable with the verification of the correct party at the first point of contact. Please understand that we are strictly regulated by the FDCPA and take third part disclosure very seriously, all of our agents are trained to protect your personal and private financial information by determining that they are speaking with the correct party on all contacts. All calls with the customer have been reviewed and there was no indication of threatening behavior

VISA and the Payment Card Industry changed our SIC code classification at the end of August of without our knowledge or authorization. This classification determines how the payments are processed and the reason why they are now showing up as cash advances. We have an ongoing
investigation into this and we are challenging this change in classification as it has resulted in complaint and customer service issues with out customers. In addition we are already paying a processing fee to process these payments and then the financial institutions backing the cards are in turn charging you the consumer higher interest rates and additional fees. Merchants acceptance has no benefit or interest in processing your payments as cash advances. We are just as frustrated as you with this situation. Please contact me directly and I would be happy to discuss resolution that we can both find agreeable. Jarod Y*** ***

Complaint: [redacted]I am rejecting this response because:I appreciate you finally updating my EXPERIAN credit report when you got the Revdex.com complaint, however you failed to notify me of you also updating my TRANS UNION credit report, which I checked today 11/5/16 and your account is still showing as open, and past due for the July and August payments. I would appreciate correspondence and proof that you have also correctly updated this information, and will be corrected within a week's time. Sincerely,[redacted]

On 7/15/2015, [redacted] called in to our offices to make a payment on his account.  He authorized $386.90 to be processed from the card that he provided us on 7/31/2015.  The payment for $386.90 processed on 7/31/2015.  On 8/3/2015, [redacted] contacted our offices very upset...

because she had mailed a money order to us for $210 and demanded that we not process it and mail it back to her.  We explained to Mrs. [redacted] that due to the fact that our payments are processed by a third party and the fact that we process thousands of payments a day it impossible for us to accommodate her request to mail back the money order.  Unfortunately we are unable to refund the payment authorized by Mr. [redacted] or return the money order submitted and authorized by Mrs. [redacted].

We are sorry to here that this customer is rejecting our response.  We feel that we have taken steps above and beyond to rectify this customers dissatisfaction.  All fee's have been waived on this account totalling $45.  A statement of account and billing history will be sent to the customer to document this.  Yes the account did accrue these fee's and letters were sent, however the letters were sent before the fee's were waived.  All documents that were promised to the customer have been sent, with most recently a statement of account and apology letter to customer.  We would be happy to reconsider any specifics on why the customer believes that we have not followed through on our stated commitment in order to resolve this issue.  Everything that we stated in the original response has been completed.  Please contact me directly with any further questions or if you need further assistance at 425-974-7257.

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. However I noticed that the response regarding repeated requests for a billing statement were only vaguely addressed. I would still like to have monthly billing statements so I know what the bill is and the remaining balance is to which I should not have to make the request every month several times and only receive a statement telling me I had fees to pay on top of my monthly payment without any totals.Sincerely, [redacted]

Complaint: [redacted]
I am rejecting this response because:
I was told that my payoff date would remain the same as my original Kirby. Does the company have that recorded?I would like my contract amended to my original payoff date from first Kirby same payment amount or return my first Kirby and I make payments to tho company that paid off my Lirby
Sincerely,
[redacted]

Default Judgment was filed against [redacted] on 3/10/2010, earning interest at 22.87%.  The Writ of Garnishment was filed at $1,540.72 on 5/27/2010 also earning interest at 22.87%.  We received garnishment payments totaling $1,293.55.  We were later informed that [redacted] was no longer...

employed at the employer that was served the Writ of garnishment.   We also received $1.92 from the trustee pertaining to [redacted]’s bankruptcy on 4/4/2014.  The unpaid balance has been accruing daily interest at the rate of 22.87% resulting in a current payoff of $1,202.16 that is good through 5/30/2016.  A detailed statement of account and transaction history has been emailed to the customer along with a thorough explanation of the history on the account.  Our accounting department has also audited this account and the balance reporting is true, accurate and owing.

We have investigated this complaint and determined that all balance and fees on the account were correct and there was no error on behalf of Merchants Acceptance Corp..  To appease the customer we have decided to close this account as PIF with the last payment made of $100 on 7/21/2016. ...

The payoff that was agreed to by the customer on 7/11/16 was setup for $120.68, however the card provided for this payment was invalid.

Complaint: [redacted]
I am rejecting this response because:I [redacted] am rejecting Merchants Acceptance response as Gold River Distributing is listed on contract with no LLC . Address stated and phone number on contract is false. If in fact GRD was dissolved  so conveniently on 6/21/2017 the same month I discover is false , should be investigated as well as M.A.C for defending an illigitmate company. When I researched contact info. with another number listed for GRD. person on the other end stated they always get calls looking for this company. This is an illiigimate company.
Sincerely,
[redacted]