Consumer complaint received 2018-02-26
Company: Midwest Acceptance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
In XXXX, I took out an auto loan with Midwest Acceptance. Shortly after taking out the loan, I lost my job of 15 years. I am only going to mention the foul and rude calls and harassment I received from the account managers at Midwest Acceptance. 

The XXXX XXXX XXXX XXXX did a news article on Midwest Acceptance that I am including with this complaint. When I lost my job, I entered into a payment agreement with XXXX XXXX and even though they were receiving and cashing my personal checks, they still initiated a garnishment. When I went to court with proof of the afore mentioned agreement, the judge refused to look at my documentation stating, I know this defendant and I know he would not tell you that. Now even though I search all Missouri laws and statutes I was unable to find where knowing someone trumped due process. As a civilian unable to find or afford an attorney to help, I was helpless to defend myself against this companies malicious and dishonest business practices. 

I have documentation that proves I paid over {$9000.00} towards this {$11000.00} debt. Why would the state of Missouri allow these people to continue to take this thing to court. Midwest Acceptance and their attorneys at XXXX XXXX and XXXX now say I owe a total of {$17000.00} on this debt. Why does the state of Missouri allow these types of business practices? What justifies them asking for and placing on my credit this large debt? This is the very basis of GREED in America. Please look into this company and its  attorneys. 

I moved to Texas in XXXX. I notified XXXX XXXX and their attorneys at XXXX XXXX and XXXX that I moved to Texas. Over the past XXXX years XXXX XXXX and XXXX have unsuccessfully submitted wage garnishments to various Texas counties trying to garnish my payroll check. I would think that XXXX XXXX and XXXX, being attorneys, know the state of Texas does NOT allow these types of garnishments. The only approved garnishments in the state of Texas are for : past due IRS tax obligations, past due child support and past due student loans. If XXXX XXXX and XXXX know I am in Texas, why do they keep taking this to court adding egregious fees and interest when they are very well aware of the state I am currently residing in. This, to me, is just harassment and vindictive collection practices to ruin my credit and make my life hard. I am including copies that I received from Midwest Acceptance illustrating all the payments they have received. 
Times are hard for all Americans. In addition to that, I am a single mother of XXXX who lost EVERYTHING to Hurricane Harvey ( proof included ). I am here struggling trying to get myself together and rebuild and here is XXXX XXXX and XXXX and Midwest acceptance trying to rob me when I have paid more thatn 90 % of the original loan. 

It is disgusting to me the way that Missouri courts allow creditors to treat consumers which is one of the  number one reasons I left Missouri. Please take a hard look at this attorney as well as XXXX XXXX. 

Imagine this, bulk cases being handled daily and attorneys developing biased relationships with judges. What justifies this type of greed?!?!?!?!? How do I owe {$17000.00} and the original loan was not even for that much AND I have paid more than {$9000.00} towards this? Does the state of Missouri want to see its lower and middle-class citizens ever get ahead??!?!? This attorney is only doing this to put money in his pocket. Why keep taking this to court adding attorney fees?

Company response to consumer: Closed with explanation