Midwest Recovery Systems

2019-04-10

Austin, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: There is an issue with a derogatory mark/account on my credit report that inaccurate. This was not means I have no knowledge of who/where/how this appeared on my report. I attempted to dispute the error and received a reply that the information is accurate ; it is NOT accurate.
Company Response: Closed with explanation

Timely Response

2019-04-10

IA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: MIDWEST RECOVERY SYSTEMS, LLC Last reported : XX/XX/2019 I have tried to dispute this with XXXX and have disputed this with XXXX. I have never dealt with XXXX XXXX XXXX. I have not gotten any notification from this company.
Company Response: Closed with explanation

Timely Response

2019-04-08

Fort Worth, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-04-07

Oxford, GA

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: Dear CFPB, I am so chocking today that a company names : Midwest recovery system did HARD pull on my credit bureaus and put a DELINQUENCY XXXX $ collection debts that I dont have no clue what is it and where that coming cause I never received a billed letter to my address until today they fraudulently entered to my credit reports and take they feet down to my neck and messing up my credit score and my credit report.In that particular case I want Midwest Recovery System take immediately action and removed this item from all my 3 credit bureaus..Thank you very much! Please CFPB, received my most sincere Greetings.
Company Response: Closed with explanation

Timely Response

2019-04-05

Jacksonville, FL

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2019-03-28

TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I received a notice on my credit report on XXXX pertaining to an unpaid loan in which I have never heard of. The agent did not identify themselves and did not validate the debt. The agent told me that I obtained a loan in XXXX or XXXX and never paid the loan. I have never heard of the loan and I have never received any notice of this alleged loan in over 6 years before it was placed on my credit. The agent told me to give him money for the loan and they would remove from my credit. He was not able to validate my address as I have lived in the same area for more than five years. He told me would send me a fraud confirmation letter would be sent to me to complete and send back to the agent. He then disconnected the call.
Company Response: Closed with explanation

Timely Response

2019-03-27

Arlington, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-03-26

Jupiter, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I disputed this debt from Midwest Recovery Systems on XX/XX/18 with CFPB and on XX/XX/18 Midwest responded back that their client was unable to validate and a record of deletion would be sent to all 3 credit reporting agencies. That was never done but after a little back and forth with Midwest the debt was deleted from XXXX and XXXX but not XXXX. I tried to contact Midwest again but nothing was done. I also contacted XXXX and I sent XXXX the response in which Midwest stated a letter of deletion would be sent to all credit reporting agencies and XXXX keeps stating debt is valid but it clearly not. It is way over the 30 days in which Midwest Recovery Systems stated it would take to have dent removed and XXXX still has debt on my credit report. I am still in the house buying process and this invalid debt needs to be deleted by Midwest.
Company Response: Closed with explanation

Untimely Response

2019-03-26

Lewisville, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: On XX/XX/XXXX I received multiple credit monitoring alerts that a new collection had been placed on my credit report. Upon further investigation, Midwest Recovery Systems was listed as the company responsible with the original creditor being " XXXX XXXX XXXX '' and that I owed them. Knowing that I have never interacted with a " XXXX XXXX XXXX '', much less taken a loan out in the amount of {$630.00} ( after an extensive search of my personal records ) I called the company to inquire. They told me that this was a loan from XX/XX/XXXX! When I told the representative that I did not recognize a " XXXX XXXX XXXX '' his response was " well maybe they changed names! '' I immediately requested a validation of debt as I am entitled to under the Fair Debt Colletion Practices Act ( 15 USC 1692g Sec 809b ). The representative said they would need 30-days to validate this debt despite the fact that they have already reported this on my credit report! I decided to follow up with a written request for validation as well. I overnighted a letter to the address listed on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ). When XXXX attempted to deliver my letter, I was informed that the company had moved with no forwarding address. XXXX spent 10 days trying to locate the new address but could not do so. I called Midwest Recovery Systems again and asked for an updated mailing address. The representative told me he could not give me that information over the phone. After telling him several times that I know my rights under the law, he finally provided me an updated mailing address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX ). When I attempted to re-send the validation letter to the new address, XXXX now tells me that this address is not in their Database! ). This company has placed a negative mark on my credit report without providing proper written notification as allowed under the law and has not given me the required 30-days to respond before taking negative action.
Company Response: Closed with explanation

Untimely Response

2019-03-25

Newport News, VA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-03-20

South Florida, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I checked my credit report and out of no where I have this collection in my report from " Midwest Recovery Sys '' opened XX/XX/2019 for {$1400.00}. I have never had any business of any kind or service with this company. I do not recognize this account.
Company Response: Closed with explanation

Timely Response

2019-03-17

Independence, MO

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-03-17

Mechanicsville, VA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I received notification that there is a collection reported on my credit reports for a debt that is not mine.I disputed this as not my debt and requested debt validation and received none. On XX/XX/XXXX there was a debt from creditor listed as cashnetusa for XXXX ( upon researching this company it is an online loan company that deposits to your checking account which I did not even have a checking account ) then again this year on XX/XX/XXXX it is reported this time with a different creditor being listed as XXXX XXXX XXXX for the same amount of XXXX of which this company is not even in my state of Virginia this was reported both times by Midwest Recovery Systems and is fraudulent. I have never been contacted by Midwest Recovery, it was removed last year in XX/XX/XXXX placed again this year on my report but stating a different creditor. I did not have a checking account to have anything deposited to from XXXX and XXXX XXXX XXXX is not even in my state. This is fraud and I request it be removed from my credit report ASAP. Midwest Recovery Systems has been suspended from being accredited from the BBB even though on their website they say they are. with so many complaints similar to mine this looks like another scam by Midwest Recovery.
Company Response: Closed with explanation

Timely Response

2019-03-15

Chula Vista, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: Midwest recovery systems all of a sudden appeared in my credit file. Company stated that I owe an online advance from XXXX!!! Never had shown up until XX/XX/XXXX. I called company and they refused to verify social sec # or any info to prove it belonged to me. I was told that I would receive a packet " fraud affidavit " and to fill out and return. I never received anything.
Company Response: Closed with explanation

Timely Response

2019-03-15

Jacksonville, FL

Written notification about debt

Debt collection: Payday loan debt

Didn't receive notice of right to dispute
Complaint: This debt was back in XXXX of XXXX, this company has been deleted from my XXXX and XXXX credit reports. It was only opened in XXXX of XXXX after I called to find out what this was about. It was at that point that they said the loan was originated and that is not true. This loan was settled for a smaller amount but the company through which I used in now closed. The original loan was for XXXX dollars and they settled for XXXX of the original loan which I did not get any paperwork only an email stating the company settled.
Company Response: Closed with explanation

Timely Response

2019-03-14

Old Round Rock, TX

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-03-14

Marigold, CA

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-03-13

Main Office, VA

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: XXXX XXXX XXXX XXXX Ive never been seen at this place before. I never received any information nor phone calls that I owed a debt. I called to see what it was for because it got placed in collections and added to my credit report. I talked to someone that stated they werent sure but it happened in 2015. With no attempts to let me know this was even active. The credit agency is Midwest Recovery Systems who Ive never heard of. For {$340.00}.
Company Response: Closed with explanation

Timely Response

2019-03-12

Philadelphia, PA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: I had 2 accounts with XXXX XXXX that were over drawn and sent to collection. It took me some time, but eventually I settled on both debts. I and family members continue to receive phone calls about the debts from numerous agencies. The most recent agency is calling from XXXX-XXXX-XXXX. It took me approximately 2 weeks of 20 or so calls to actually reach someone on the other end of the line. Most times they would pick up and hang up almost immediately, or leave me on hold. The voicemail they have set up has been full each time I have called and not gotten through on hold. Today when speaking with them, the woman continually asked for me to provide the XXXX XXXX account information. I declined and requested they provide an email address or fax for me to send the documentation I have to show the debts are paid. She disconnected the call. After I called back, she advised that she would not entertain it and she was filing the paperwork to the court and again hung up on me. As you can see from my documents, I have settled both debts.
Company Response: Closed with explanation

Timely Response

2019-03-12

Chef Menteur, LA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-03-11

AL

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: MIDWEST RECOVERY SYSTEMS has been attempting to contact me and harrass me over a payday loan i took out in XXXX, according to XXXX XXXX. I filed a chapter XXXX bankruptcy and it was discharged on XX/XX/XXXX. after contact with my lawyer they proceeded to hit my credit score on XXXX illegally. the amount they are attempting to collect is {$880.00}. I spoke with a representative of XXXX XXXX on XX/XX/XXXX and they assured me this is a SCAM.
Company Response: Closed with explanation

Timely Response

2019-03-10

Harsens Is, MI

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: Midwest Recovery Systems has reported a collection account to all three Credit Reporting Agencies ( XXXX, XXXX, and XXXX XXXX. I do not recognize this account as being mine. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting Midwest Recovery Systems to provide me with a validation of the debt. To clarify, I am disputing the account being reported by Midwest Recovery Systems and demanding validation of the debt. ( XXXX XXXX XXXX Sec. XXXX XXXX b ) ) I do hereby request that Midwest Recovery Systems provide me with complete documentation to verify that I owe the said debt and have a legal obligation to pay it. Please provide me with the following : ( 1 ) the agreement with the creditor that authorizes you to collect on this alleged debt with the agreement bearing my signature stating that I have agreed to assume the debt. ( 2 ) Valid copies of the debt agreement stating the amount of the debt and interest charges. ( XXXX ) Proof that the Statute of Limitations has not expired. ( 4 ) Complete payment history on this account along with an accounting of all additional charges being assessed. ( 5 ) Proof that Midwest Recovery Systems is licensed to collect debt in the State of Michigan along with license numbers and Registered Agent. If Midwest Recovery Systems fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my XXXX, XXXX and XXXX credit reports. Moreover, all future attempts to collect on the said debt must be ceased.
Company Response: Closed with explanation

Timely Response

2019-03-08

AL

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt was paid
Complaint: XXXX XXXX XXXX has repeatedly sold a settled debt to multiple debt collection services. The debt was acquired XX/XX/XXXX and settled XX/XX/XXXX. The most recent collection agency has called making threats to myself, my employer, and my family members. Midwest Recovery Systems is the current debt collector.
Company Response: Closed with explanation

Timely Response

2019-03-08

Akron, OH

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I received an alert from XXXX that my credit score had decreased. When I logged in to try and figure out why, I noted a collection from Midwest Recovery showing an opening date of XX/XX/2019 and non payment each month thereafter. The original creditor was XXXX XXXX in which I have not had an account with in over 15 years. This collection company is attempting to destroy my credit and is succeeding by reporting false information. They have simply re-aged a very old debt to make it look as though I opened a new account and fail to pay. I disputed this twice with XXXX and they have failed to remove the account.
Company Response: Closed with explanation

Timely Response

2019-03-07

San Marcos, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response