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Business Profile

Consumer Finance Companies

Midwest Acceptance Corp

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Consumer Finance Companies.

Complaints

Customer Complaints Summary

  • 4 total complaints in the last 3 years.
  • 2 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:02/20/2025

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    Pursuant to 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports, any information reported on my consumer report requires explicit written consent. At no time did I provide such consent, and reporting this information without my authorization is a clear act of fraud. Under 15 U.S. Code 1681a(2)(B) - Exclusions from a Consumer Report, any credit transaction that involves the use of a Social Security card is required to be excluded from a consumer credit report. This account violates that provision and should not be reported.

    Business Response

    Date: 02/25/2025

    Dear ******* ******:

    On 02/20/2025,we received your letter regarding the credit reporting of your auto finance account with us. At your request, we asked the credit reporting agencies to delete our trade line from your credit report. Please allow 30 days for the credit reporting agencies to process our request. 

  • Initial Complaint

    Date:08/15/2024

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am not liable for this debt with Midwest Acceptance Corp. I do not have a contract with Midwest Acceptance Corporation, they did not provide me with the original contract as I requested.

    Business Response

    Date: 08/19/2024

    Dear *************************:

    Thank you for reaching out to us regarding validation of your auto finance account with us. We have forwarded information to your Verwood ** address, including a copy of your signed contract with us, and your payment history,which substantiate our claim.  If, after reviewing the information, you believe your reporting is in error, you may dispute reporting directly with the credit reporting agencies, or write to:  Midwest Acceptance Corporation,Attn: Credit Dispute Verification, P.O. *****************************  In your request, please identify the inaccurate information, and tell us why you believe it is incorrect.  If you have a copy of the credit report that includes the inaccurate information, please send a copy of the report to us as well. Midwest will promptly investigate the matter and notify you in writing of the results, free of charge.  Please be advised that company policy prohibits us from changing your credit reporting except in case of error.


    Regards,


     Midwest Acceptance Corporation

  • Initial Complaint

    Date:03/28/2024

    Type:Billing Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am not liable for this **** with charter communications, I do not have contract with MIDWEST ACCEPTANCE, they did not provide me with the original contract as i requested.

    Business Response

    Date: 04/11/2024

    Dear ***************************, thank you for reaching out to us via the BBB portal regarding the credit reporting for your auto loan with us.  First, we'd like to let you know that Midwest Acceptance Corporation is not a consumer reporting agency under 15 USC 1681a(f) or any other federal statute.  Rather, we are a data furnisher, and as such, we are required to ensure that the data we furnish are accurate. We investigated the reporting of your Midwest Acceptance trade line with TransUnion, Equifax and Experian, and have found that it is accurate.  We are mailing supporting documentation to your Pennsylvania Ave address which should clarify the reporting of your account.  If, after reviewing the supporting documentation, you believe your reporting is in error, you may dispute reporting directly with the credit reporting agencies, or write to:  Midwest Acceptance Corporation, Attn: Credit Dispute Verification, P.O. *****************************  In your request, please identify the inaccurate information, and tell us why you believe it is incorrect.  If you have a copy of the credit report that includes the inaccurate information, please send a copy of the report to us as well.  Midwest will promptly investigate the matter and notify you in writing of the results, free of charge.  Please be advised that company policy prohibits us from changing your credit reporting except in the case of error.

  • Initial Complaint

    Date:10/17/2023

    Type:Order Issues
    Status:
    Answered
    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I want to cancel my loan application that was submitted on October 5, 2023, By S* **** **** ** **** * *** ********** ********** ** *****. This process seems to be taking a lot longer time than expected. I even put $3,000.00 cash down. I have filled out every document, including a scanned title emailed to me last week. Still no vehicle. This has been an unpleasant experience for me. Since I never had possession of the vehicle, I no longer am interested in the loan application. I am seeking legal counsel. Who instructed me to file complaints. I even contacted the lien holder and was told it was out of their hands. The Lien holder is Midwest Acceptance Corporation.

    Business Response

    Date: 10/24/2023

    Dear ******* ******, we are sorry that you were unhappy with your experience at ** **** ***.  We reached out to the dealership on 10/20/2023, and confirmed that you are now in possession of your auto and the matter is resolved.  If you have any questions, please feel free to reach out to me at ***** ********.

    Thank you,

    **** ******, Customer Service Representative 

Midwest Acceptance Corp is NOT a BBB Accredited Business.

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