Midwest Acceptance Corp

In response the Revdex.com complaint dated 4/6/17, a representative with Midwest Acceptance Corpspoke with Ms [redacted] briefly on 4/6/at approximately 11:amThe representative attempted to discuss the account with Ms [redacted] The call was disconnected during the conversationAccording to our notation system, the representative has mailed a copy of the payment history to Ms [redacted] ' residenceIf Ms [redacted] would like further information about her account, she can contact our office during business hours of Monday thru Friday 8:30am until 5:00pmThank You

In response to the complaint filed by Ms [redacted] , it appears there has been several conversations regarding her account with M.A.CThe last conversation was on 11/13, Ms [redacted] was told that partial payments are not acceptedIt appears that a check by phone payment was not processed due to it being a partial payment and we had a note that the payment has been mailedAt this point in time, M.A.Cis only set up for check by phone payments, debit card transactions can only occur in our officeIf Ms [redacted] has any questions or concerns, please have her contact [redacted] *** at [redacted] Thank you

In regards to the complaint filed by Mr ***, Representatives of Midwest Acceptance were attempting to resolve an account situation with Mr ***As of 5/18/17, telephone communications with Mr [redacted] have ceasedMidwest Acceptance Corpwill only be notifying account updates to Mr [redacted] by mail when required to due so by State law

This is in response to complaint ID [redacted] , a representative of Midwest Acceptance corphad a discussion with the customer on 4/4/about the accountOur company will only mail out a print out of the account when it is requested, receipts are not given out on money order transactions, the customer would have the actual money order receipt upon purchase of the money orderIn regards to the credit inquiry, that was made in process of gathering information to collect a debt as a course of business, Midwest Acceptance Corpdoes have permissible purposeIf the customer would like the inquiry removed we will do so, please have the customer mail a written request signed and dated directing Midwest Acceptance Corpto have the credit inquiry removedThat letter is required by the credit reporting agenciesWe do apologize for not returning calls, if the customer has any further questions or concerns, they may contacted [redacted] *** directly at [redacted]

This is in response to the Revdex.com complaint numbered [redacted] First and foremost in regards to respect, that goes both ways, no where in the complaint was mentioned the fact that physical threats were made by both customers and a third party towards certain employees of Midwest Acceptance CorpIn regards to the business aspect of the situation, the agreements of the terms and conditions of the contract were not meet, Midwest Acceptance Corpwas forced into a situation beyond the companies control to take possession of said collateralAn agreement for the customer to redeem the collateral was agreed upon in July of this yearThe customer has almost completed paying what is owedAs explained several times to the customers, the collateral will be transported to a storage facility, that was to occur by today August 15, but has notWe were told today, as I told Ms [redacted] today August 15, at approximately 3:pm today that the collateral will be moved in the morning hours of August 16, Also as we have told the customers multiple times, as soon as Midwest Acceptance Corpis in receipt for the transportation invoice, we will be contacting the customers so that they can pay the balance due, then redeem the collateralThis has all been explained to the customers are multiple occasionsThe fact the repossession company is going out of business and that the transportation company is behind with their work is out of Midwest Acceptance's CorpcontrolIn regards to desired settlement, Midwest Acceptance Corpis attempting to "finish the job"The collateral will be released only after the account is satisfied and all invoices are accounted for

Initial Business Response / [redacted] (1000, 6, 2016/02/16) */ Contact Name and Title: [redacted] C/M Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @midwestacceptance.com In response to Ms ***'s account with Midwest Acceptance CorpThe automobile loan was opened for Ms [redacted] in December of In regards to her residential address, she is using the same address with the complaint as she used on her credit application for the automobile purchaseIn regards to her income, Midwest Acceptance Corpdoes not discriminate a person's source of incomeMs [redacted] was apparently not happy with the collateral and she returned the collateral voluntarily to Midwest Acceptance Corp in January of The collateral was sold in a commercially reasonable settingIn regards to the desired resolution, Midwest Acceptance Corpwill not issue any funds to Ms ***There have been no collection activity on Ms ***'s automobile loan and Midwest Acceptance Corpis not reporting her account to the credit reporting agencies

In response to Ms ***'s complaint with Midwest Acceptance Corp, we can confirm that the collateral was recovered and a judgment was granted against Ms ***All though this account is no longer reporting on her credit report, Midwest Acceptance Corphas a valid judgment and are attempting to collect the debtIn regards to credit inquires, those inquires were done in order to collect on the debt that is owed to Midwest Acceptance CorpWe have had discussions with Ms [redacted] in regards to the matterIf Ms [redacted] would like to settle the account or make satisfactory payment arrangements, MAC would be more than happy to work the matter out with herThank you

In response to the complaint regarding Midwest Acceptance Corp by [redacted] , we reviewed the account notes and payment historyMs [redacted] has been a good paying customer despite some problems along the wayBack in May of this year we switched account representatives and there has been an adjustment periodIn reference to the processed payment with an unauthorized date, we are not finding any notes to indicate that had taken placeThere was a "stop payment" on a customer authorized phone check that was dated for 6/29/We have not been notified by Ms [redacted] or her financial institution stating that there had been an error made by Midwest Acceptance CorpIn regards to the payment history request, it would appear that Ms [redacted] did request a payment history on 7/6/16, the payment history was mailed to Ms [redacted] 's residence that same day.In regards to desired settlement, we have coded Ms [redacted] 's account with [redacted] His contact number is [redacted] should there be any future questions or concernsWe will also mail a payment history to all account signers as of today's dateAll phone numbers have been removed from the account and Midwest Acceptance Corpwill only notify the account signers via regular mailIn addition, if Ms [redacted] has any supporting documentation from herself or her financial institution regarding any wrongdoing with the previous phone check attempt, please have them contact [redacted] at [redacted] We will review any refunds that Ms [redacted] may be entitled to

In response to complaint ID numbered [redacted] Per our notes, Ms [redacted] contacted out office on 8/23/as indicated on the complaintA representative here tried to explained to Ms [redacted] that Midwest Acceptance Corp reports to all three credit bureau agencies as the account has been paid, no "comments" are reportedIf Ms [redacted] would like a copy of the payment history, please have her contact our office and the requested information will be forward to herIn regards to the "account closed off" remarkWe are unsure what Ms [redacted] might be referring toWe ask that Ms [redacted] send a copy of the report to Midwest Acceptance Corp for further reviewThe account has recently been paid in full and Midwest Acceptance Corpis reporting as suchIn regards to the "purchase date" that information is incorrect as well as "purchase price"If Ms [redacted] needs clarification on that information, please advise

This is in response to complaint ID numbered [redacted] In reviewing the complaint it has been noticed that the complaint is rather unclear in regards to the interest being charged on the accountPlease suggest to the customer to review her copy of the document that was provided to her on 7/22/ When wage attachment funds are received from our attorneys, those funds are applied as "backdated" to the dates when the funds are received at the attorney's officeMidwest Acceptance Corphas no control over the payroll deduction process nor the process that occurs within the courtsOur intentions are for the accounts to payoff as soon as possiblePlease advise the customer that funds are in route and will be applied to her account when received, the funds will be applied to her account accordingly In regards to desired settlement, there will be no refunds made on the accountThank You

In reviewing the account with Ms *** it was noticed that she had called our office on 1/27/to inquire about the lien releaseIt is day to day practice to verify account information with our customersMs ***'s file is noted that the lien release was mailed to her residence on
1/5/To date there has been no return mail receivedPlease advise Ms *** that MAC will mail a replacement lien release as of today's date (2/9/17)Also let Ms *** know that if she wishes to stop by our office to pick up the lien release, that would be fine alsoOur business hours are Monday thru Friday 8:30am until 5pmThank You

In regards to complaint ID ***, Midwest Acceptance Corpdoes in fact have permissible purpose to run Ms ***s credit, not for credit approval but for collection activityIn our file for Ms *** there is a signed document by *** ***, the document states: "I authorize Midwest Acceptance Corporation to investigate my credit and employment history, obtain credit reports and release all information about their credit experience with meI authorize the release of all employment and payroll information to Midwest Acceptance Corporation." If Ms *** would like a copy of that document, please have her contact our office. She can reach us by phone: ***, mail: *** *** *, Valley Park, MO or email: ***@midwestacceptance.comThank you

In response to the Revdex.com complaint received on 6/15/A representative with our company spoke to Ms *** in regards to her car loan with Midwest Acceptance Corp in an attempt to update her account with a proper payment arrangementPer our notes no real arrangements were made and it appears the
conversation was taken personally We regret that Ms *** has had a bad experience with a representative of Midwest Acceptance Corp. I spoke to Ms *** this morning in regards to her accountIt would seem that Ms *** is satisfied with the arrangements we have set up with herMs *** stated that she was worried Midwest Acceptance Corpwould follow up with legal actionI told Ms *** that Midwest Acceptance Corpwill work with her until she is able to "get back on her feet"

Complaint: ***
I am rejecting this response because: Each time I’ve every called , long ago in the past, to get a balance I was given it over the phoneAlso each time I’ve called to make payment over the phone I was told that I could not do soI could only send in a money order/ personal check. The answer given sounds very controducting to the answers I’ve gotten in the pastHowever, I will be mailing a letter requesting the inquiry be removed from my credit report. Also am requesting a letter sent to me including my balance.
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because:The fact that the account is not being reported to my credit any longer is correct. Having a judgement that suggest that the balance of the said amount is owed to the Mid West Acceptance Company does not authorize this company to continue to place a hard inquire to my credit report. They have no reason to check my credit for anything. I am not applying to anything with this company. The original signed documents authorizing Mid West Acceptance Company to do a credit check on my credit was for the initial application for a loan with them and nothing further. Now that the company has received the collateral and a judgment by default does not give the right or permission to run an inquiry on my credit ever. I will not agree to the terms this company has put in place and the debt the claim I owe them, nor the continue inquiry on my credit. I will be sending this into the credit reporting agency to show fraud activity on the continue unauthorized inquiries.
Sincerely,
*** ***

Initial Business Response /* (1000, 6, 2015/12/10) */
We apologize that Ms *** has had a bad experience with Midwest Acceptance Corp.The collateral was recovered due to account delinquency and broken payment arrangementsThe recovery was not done over personal feelings, spite or raceIn regards
to changing the credit reporting, Midwest Acceptance Corpdoes not change credit reporting unless there is an errorPlease have Ms *** contact *** *** if she would like to try to redeem the collateral
Initial Consumer Rebuttal /* (3000, 8, 2015/12/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Who exactly is *** ***? And what would his contact info be? This is just what I would expect from this company, more unprofessionalism and poor communicationActually, this business needs to be investigatedThis company never even tried to contact me to inform me on a process or provide information on what follow up options I had which was a clear indication that they never intended to and that just like the contract provided me absolutely no options for trying to make good on the contractAnd when I did try to contact the company, MrDean was so unprofessional in his communication with me and so was ***I was told that someone named *** was in charge of my account and when I asked to speak with him, he clearly stated that he was not the person in charge of the accountWho would want to do business with a company like this? Would you? Are there any suggestions on how to move forward with filing a more serious complaint on this company? This company's decision to repossess the vehicle was obviously a thought out process for ruining my creditAnd although the company claims that there were broken payments arrangements, I communicated every time I would be late, I paid late fees when I knew it would go past the due dateIf this was the case, why did they not communicate the riskiness of the matter if this was that serious of a matterWithout warningAnd I am supposed to believe that race, personal feelings or spite had nothing to do with itRightIs there another agency that handles more serious complaints against companies like Midwest Acceptance or explain my next step with the Revdex.com?
Thank you

This is in response to complaint numbered ***, we have reviewed the account and have found that the customer has struggled with this from the startOur team members have been trying to work out the situation with the customer to avoid further actionsAlso in reviewing the account, there is no
indication of 3rd party disclosureIn regards to a "desired settlement", we have noted the account that no more calls be made, any correspondence will be via mail

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

Please remind Ms *** that she was handed Missouri title numbered *** and the lien release today (10/25/17) against our company policyM.A.Chas a policy of holding the title and lien for thirty days after after a money order or personal check transaction has taken place
Ms *** was making such a scene in our office today that it was decided to hand over the Missouri title and lien release to appease herThank you

As of 12/6/16, Midwest Acceptance Corphas regular mailed a copy of the Missouri Vehicle Retail Installment Contract to Ms *** along with the payment history on her accountDue to company policy, Midwest Acceptance Corpcan not and will not remove Ms ***'s account from the credit reporting agenciesIn regards to the differences in balances being reported, there have been no credits received on her account for several years, interest has accrued over the course of time Again if Ms *** would like to make arrangements on her account, she may contact our office to do soThank you