Question about MTE

Anonymous · Sub: #1 **Question about MTE** Replied on 11-21-2008, 10:20 AM

I have defaulted on a loan with MTE Finanical dba Quickest-Cash-Advance.com and they sent me to a collection agency called Mid-America Credit Bureau.

I live in Ohio --- so the Internet PDL is illegal because they are not licensed to loan to Ohio residents.

Would this Mid-America Credit Bureau be illegal too? I am getting harrassing phone calls from them now. The loan was taken out in July 2008 --- $300 loan paid $100 towards it.

dawnlango7 · Sub: #2 Replied on 11-21-2008, 01:12 PM

Has Mid-america sent you anything in writing yet? I tried to look them up on the Ohio website to see if there was a license, but I couldn't find them. Of course that doesn't mean they aren't licensed. I would send them a DV letter, chances are they won't be able to validate the debt...

Anonymous · Sub: #3 Replied on 11-21-2008, 01:56 PM

All they sent was a bill ---- no dunning letter.

Mid-America Credit Bureau
MACB, Inc.
Lexena, KS is where they are located

Anonymous · Sub: #4 Replied on 11-21-2008, 01:56 PM

All they sent was a bill ---- no dunning letter.

Mid-America Credit Bureau
MACB, Inc.
Lexena, KS is where they are located

dawnlango7 · Sub: #5 Replied on 11-21-2008, 02:02 PM

Send them the DV letter, see if they can actually validate the debt...also report them to your states banking comission, they got involved for me when an illegal company tried to collect on an illegal loan

kfstaff24 · Sub: #6 Replied on 11-21-2008, 03:48 PM

I would send them a C & D letter also. File a claim against them with the BBB and your AG. I have no facts on this but I have noticed illegal pdl's use illegal CA's. Even if Mid-America is legal once you inform them that MTE is illegal they will usually close the account.

kfstaff24 · Sub: #7 Replied on 11-21-2008, 03:55 PM

Quote:

BBB Reliability Report for
Mid America Credit Bureau BBB Rating Unsatisfactory
BBB issues Reliability Reports on all businesses, whether or not they are BBB accredited. If a business is a BBB Accredited Business, it is stated in this report BBB Definition:

report - A summary of activity reflected in a company's BBB file. Includes basic business background, BBB Accreditation information, and BBB complaint activity over the previous three years. Also reports may include any known government actions, advertising issues or other information that results from activity conducted by the BBB.
.
Name: Mid America Credit Bureau
Address: 13021 W 95th

Lenexa, KS 66215
Principal: Patrick Ruble
Customer Contact: Patrick Ruble
File Open Date: July 2006
TOB Classification: collection agencies
BBB Accreditation: This company is not a BBB Accredited business.

Customer Experience
Based on BBB files, this company has an unsatisfactory record BBB Definition:

unsatisfactory record - A company has an "unsatisfactory business performance record" with the BBB is based on the experiences reflected in BBB files. This file condition results when the company has failed to resolve or respond to complaints, repeatedly failed to respond or resolve issues in a timely manner, failed to resolve the underlying issues for a pattern BBB Definition:

pattern - More than 2 complaints involving the same allegations usually within 12 months that are significant in relation to the company's size and volume of business.
of complaints, failed to honor their commitment to mediate or arbitrate disputes or honor mediated agreements or arbitrated decisions, failed to substantiate, modify or discontinue false advertising claims BBB Definition:

advertising claims - The BBB reviews business advertising, (newspaper, magazine, TV, radio, internet) routinely to ensure that it is truthful and ethical. Claims in advertising are measured against basic advertising principles of the BBB Code of Advertising which was developed to guide advertisers, advertising agencies and advertising media.
that are challenged by the BBB, or failed to discontinue unauthorized use of the BBB name and logo, a Federally protected trademark.
with the BBB due to failure to respond to one or more complaints and or two or more otherwise unresolved BBB Definition:

unresolved - The company failed to resolve the complaint issues.
complaints. However the business has resolved BBB Definition:

resolved - The company resolved the complaint issues.
most complaints presented to the bureau.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
The BBB processed a total of 13 complaints about this company in the last 36 months, our standard reporting period. Of the total of 13 complaints closed in 36 months, 9 were closed in the last year.
Billing or Collection Issues BBB Definition:

Billing or Collection Issues - Claim alleging billing errors, unauthorized charges, or questionable collection practices.

Resolved BBB Definition:

Resolved - The company resolved the complaint issues.

3 - Company resolved BBB Definition:

resolved - The company resolved the complaint issues.
the complaint issues. The consumer acknowledged acceptance to the BBB.
6 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB.
Unresolved BBB Definition:

Unresolved - The company failed to resolve the complaint issues.

2 - Company failed to resolve the complaint issues through the BBB voluntary and self-regulatory process.
No Response BBB Definition:

No Response - The company failed to respond to the complaint.

1 - Company failed to respond to the BBB to resolve or address the complaint issues.

Issue Not Defined
Resolved BBB Definition:

Resolved - The company resolved the complaint issues.

1 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB.

Additional Contact Information
Additional Addresses
15501 West 99th Street
Lenexa, KS 66219

As a matter of policy, BBB does not endorse any product, service or business.

BBB Reliability Reports are provided solely to assist you in exercising your own best judgment. Information in this BBB Reliability Report is believed reliable, but not guaranteed as to accuracy.

BBB Reliability Reports generally cover a three-year reporting period. BBB Reliability Reports are subject to change at any time.
If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Reliability Report BBB Definition:

Report - A summary of activity reflected in a company's BBB file. Includes basic business background, BBB Accreditation information, and BBB complaint activity over the previous three years. Also reports may include any known government actions, advertising issues or other information that results from activity conducted by the BBB.
.

ID: 99131119
Report as of November 21, 2008 17:53
CopyrightÂ© 2008 Better Business Bureau

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kfstaff24 · Sub: #8 Replied on 11-21-2008, 04:04 PM

Ask them next time they call for their license number to collect in Ohio and then tell them they are on a recorded line, they will hang up fast.

Anonymous · Sub: #9 Replied on 11-24-2008, 09:07 AM

I didn't think you had to be licensed in the state of Ohio to be a collection agency.

Anonymous · Sub: #10 Replied on 11-25-2008, 05:04 AM

I received a letter by email from the Ohio Attorney General's Officer yesterday --- as far as their inquiring into the matter of the illegal payday loan and collection on it.

I guess it is a wait and see with that.

The way I read Ohio Laws ---- anyone not licensed to lend in the state of Ohio is not entitled to any of the money that they loaned.

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