Midwest Acceptance Corp

Contact Name and Title: *** *** Collection Man
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@midwestacceptance.com
On October 28, 2015, a representative from Midwest Acceptance Corphas a discussion in regards to the late fees on the mentioned account with Ms ***, due to the nature
of the conversation, the representative tried to explain when a late fee occurs but was unable to do soAfter the conversation, that same representative mailed Ms *** a letter explaining the late fees on her accountIf Ms *** has any further questions or concerns, please have her contact our office

In response to the complaint filed by Ms ***, unfortunately Midwest Acceptance Corphas taken possession of the collateral as statedDue to the circumstances we are asking Ms *** to satisfy the account in full in order for her to redeem the collateralThere is an alternative
manner in which Ms *** could redeem the collateralPlease have Ms *** contact our office for further informationIn regards to desired settlement, there will be no refunds made on this account and we can not simply give the collateral back to Ms ***Thank you

Complaint: [redacted]
I am rejecting this response because: This company has not verified balance/ any amount owed and has not provided any contractual docs like I have requested.  Also this company has not explained why this debt is being removed from my credit and placed back on with different balance.  Also this company has violated consumer rights bc as of 12.5.16.....this company has retrive copies of my credit without my permisson
Sincerely,
[redacted]

see attached

According to our notation system, the last time a representative discussed this account with Ms [redacted] was on 11/2/16. A statement was mailed certified to Ms [redacted] on 10/17/16 describing the remaining balance on her account with Midwest Acceptance Corp. If Ms [redacted] wishes to discuss settlement...

option for her account, please advise Ms [redacted] to contact our office.  Midwest Acceptance Corp's business hours are from 8:30 am to 5:00 pm Monday thru Friday. Thank you.

In response to the complaint regarding Midwest Acceptance Corp by [redacted], we reviewed the account notes and payment history. Ms [redacted] has been a good paying customer despite some problems along the way. Back in May of this year we switched account representatives and there has been an...

adjustment period. In reference to the processed payment with an unauthorized date, we are not finding any notes to indicate that had taken place. There was a "stop payment" on a customer authorized phone check that was dated for 6/29/16. We have not been notified by Ms [redacted] or her financial institution stating that there had been an error made by Midwest Acceptance Corp. In 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 concerns. We will also mail a payment history to all account signers as of today's date. All phone numbers have been removed from the account and Midwest Acceptance Corp. will only notify the account signers via regular mail. In 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 the Revdex.com complaint dated 4/6/17,  a representative with Midwest Acceptance Corp. spoke with Ms [redacted] briefly on 4/6/17 at approximately 11:30 am. The representative attempted to discuss the account with Ms [redacted].  The call was disconnected during the conversation. According to...

our notation system, the representative has mailed a copy of the payment history to Ms [redacted]' residence. If Ms [redacted] would like further information about her account, she can contact our office during business hours of Monday thru Friday 8:30am until 5:00pm. Thank You.

In response to Ms [redacted]'s complaint with Midwest Acceptance Corp, we can confirm that the collateral was recovered and a judgment was granted against Ms [redacted]. All though this account is no longer reporting on her credit report, Midwest Acceptance Corp. has a valid judgment and are attempting to...

collect the debt. In regards to credit inquires, those inquires were done in order to collect on the debt that is owed to Midwest Acceptance Corp. We have had discussions with Ms [redacted] in regards to the matter. If 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 her. Thank you.

This is in response to complaint ID [redacted], a representative of Midwest Acceptance corp. had a discussion with the customer on 4/4/18 about the account. Our 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 order. In regards to the credit inquiry, that was made in process of gathering information to collect a debt as a normal course of business, Midwest Acceptance Corp. does have permissible purpose. If 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 Corp. to have the credit inquiry removed. That letter is required by the credit reporting agencies. We do apologize for not returning calls, if the customer has any further questions or concerns, they may contacted [redacted] directly at [redacted].

Initial Business Response /* (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 [redacted]'s account with Midwest Acceptance Corp. The automobile loan was opened for Ms [redacted] in December of...

2011. 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 purchase. In regards to her income, Midwest Acceptance Corp. does not discriminate a person's source of income. Ms [redacted] was apparently not happy with the collateral and she returned the collateral voluntarily to Midwest Acceptance Corp in January of 2012. The collateral was sold in a commercially reasonable setting. In regards to the desired resolution, Midwest Acceptance Corp. will not issue any funds to Ms [redacted]. There have been no collection activity on Ms [redacted]'s automobile loan and Midwest Acceptance Corp. is not reporting her account to the credit reporting agencies.

Contact Name and Title: [redacted] Collection Man
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@midwestacceptance.com
Midwest Acceptance Corp., will mail a print out of the account to Ms [redacted] at the address provided, that document will show all payments received and all fees accessed....

In addition, a copy of the consent judgment will be provided. Principal balance, attorney fees and interest are described . If Ms [redacted] has any further questions or concerns, please have her contact our office. Thank You

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.
Sincerely,
[redacted]

In regards to the complaint filed by Mr [redacted],  Representatives of Midwest Acceptance were attempting to resolve an account situation with Mr [redacted]. As of 5/18/17, telephone communications with Mr [redacted] have ceased. Midwest Acceptance Corp. will only be notifying account updates to Mr [redacted] by...

mail when required to due so by State law.

In response to complaint ID numbered [redacted]. Per our notes,  Ms [redacted] contacted out office on 8/23/16 as indicated on the complaint. A 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 reported. If Ms [redacted] would like a copy of the payment history, please have her contact our office and the requested information will be forward to her. In regards to the "account closed off" remark. We are unsure what Ms [redacted] might be referring to. We ask that Ms [redacted] send a copy of the report to Midwest Acceptance Corp for further review. The account has recently been paid in full and Midwest Acceptance Corp. is reporting as such. In regards to the "purchase date" that information is incorrect as well as "purchase price". If Ms [redacted] needs clarification on that information, please advise.

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.
Sincerely,
[redacted]

In response to the complaint filed by Ms [redacted], it appears there has been several conversations regarding her account with M.A.C. The last conversation was on 11/13, Ms [redacted] was told that partial payments are not accepted. It 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 mailed. At this point in time, M.A.C. is only set up for check by phone payments, debit card transactions can only occur in our office. If Ms [redacted] has any questions or concerns, please have her contact [redacted] at [redacted]. Thank you.

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 account. Please suggest to the customer to review her copy of the document that was provided to her on 7/22/16....

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 office. Midwest Acceptance Corp. has no control over the payroll deduction process nor the process that occurs within the courts. Our intentions are for the accounts to payoff as soon as possible. Please 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 account. Thank You

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 Corp. In...

regards to the business aspect of the situation, the agreements of the terms and conditions of the contract were not meet, Midwest Acceptance Corp. was forced into a situation beyond the companies control to take possession of said collateral. An agreement for the customer to redeem the collateral was agreed upon in July of this year. The customer has almost completed paying what is owed. As explained several times to the customers, the collateral will be transported to a storage facility, that was to occur by today August 15, 2017 but has not. We were told today, as I told Ms [redacted] today August 15, 2017 at approximately 3:00 pm today that the collateral will be moved in the morning hours of August 16, 2017. Also as we have told the customers multiple times, as soon as Midwest Acceptance Corp. is in receipt for the transportation invoice, we will be contacting the customers so that they can pay the balance due, then redeem the collateral. This has all been explained to the customers are multiple occasions. The 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 Corp. control. In regards to desired settlement, Midwest Acceptance Corp. is attempting to "finish the job". The collateral will be released only after the account is satisfied and all invoices are accounted for.

In regards to the complaint filed by Ms [redacted], we can verify that she does in fact have an open account with Midwest Acceptance Corp. All accounts are reported to the three major credit reporting agencies in its current standing on a monthly basis. It is against company policy to make any changes to...

the reporting unless an error has occurred.  In reviewing Ms [redacted]'s account with Midwest Acceptance Corp., it would appear that no errors have occurred and the reporting is correct. Please advise Ms [redacted] as soon as she has satisfied her account, her credit reporting and public records will be updated. Ms [redacted] can at any time, contact our office to make arrangements. Thank You.

I spoke with the customer on 4/6/18 at approximately 3:46pm to discuss the account. We reviewed payments received of the account and they payment histories that were requested were mailed on 4/5/18. It would appear that the issues were resolved after the rejection was submitted. If there are any issues that the customer needs assistance with she is free to call me at any time.