Midwest Recovery Systems
Consumer Complaints
There are over 1516 complaints on file for Midwest Recovery Systems. Dated between 2019-12-05 and 2014-11-03.
Complaints Page 12
2019-02-21
Bellaire, TX
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Complaint: This creditor has placed derogatory information on my credit files at least three times by changing the dates and amounts owed. I have never received notice from them about a debt. The collection just appears on my credit. Each time it appears on my credit I dispute it and it is removed. A few years ago it was removed when I disputed it with the CB 's. Last year I received a phone call from an agent from Midwest Recovery trying to verify the debt. I let her know that the account does not belong to me. She stated that she see 's where I disputed that before. I told her I did because it is not my account and I hung up. The very next day I got an alert from XXXX stating I have a new collection item from them for over {$600.00}. Before I could disputie with the CB 's it was removed within a week. Most recently XX/XX/19 it was placed on my credit again for over {$900.00}. Same company but different amount. I have filed a dispute with the CB 's again. I need information on how to prevent this company from putting this derogatory item on my credit especially without notification of a debt.
Company Response: Closed with explanation
2019-02-20
Shiloh, PA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I noticed a collection account on my credit report in the amount of {$1400.00} from Midwest Recovery. I had no idea where this debt came from and i never received any kind of communication from this this company in the mail regarding the debt. This specific amount was previously listed on my credit report under a different company. I sent an validation request to the other company. They were unable to validate the debt and it was removed from my report so I am assuming it was sold to Midwest. I sent Midwest a validation request by certified mail on XX/XX/XXXX. It was received by them. USPS Tracking number ( XXXX XXXX XXXX XXXX XXXX ). As of today, I have still not received validation of the debt and it continues to be reported on my credit report. Also, i received a credit alert yesterday from my credit monitoring service that my address had been changed to an address that I do not reside. I called the credit report agency in and was told that it was reported to them by Midwest Recovery. They were able to change my address to an inaccurate address but unable to provide me proper validation the debt in question. I was told that they could not remove the incorrect address because it was reported by a creditor. I have never done business with Midwest, not verbally or in a contract. They have violated the FCRA by continuing to report a nonvalidated account.
Company Response: Closed with explanation
2019-02-19
Took or threatened to take negative or legal action
Debt collection: I do not know
Threatened to arrest you or take you to jail if you do not pay
Company Response: Closed with explanation
2019-02-18
Houston, TX
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Complaint: After viewing a copy of my credit report, I noticed a collection account placed on my credit report from MIDWEST RECOVERY SYSTEMS in XX/XX/2017 in the amount of {$410.00}. First and foremost, I have confirmed that the debt collector, MIDWEST RECOVERY SYSTEMS is not licensed in the state of Texas to collect on this debt. Secondly, MIDWEST RECOVERY SYSTEMS violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to MIDWEST RECOVERY SYSTEMS? I have never heard of them, have no written contract with them and have never received any benefits from them, yet MIDWEST RECOVERY SYSTEMS has submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$410.00}.
Company Response: Closed with explanation
2019-02-16
Ehrhardt, SC
Written notification about debt
Debt collection: Payday loan debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-02-15
TX
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
Complaint: On Friday, XX/XX/2019, I retrieved a copy of my credit report. I immediately noticed that Midwest Recovery Systems had placed derogatory entries on my credit reports. This collection agency has blatantly violated the law. Per FCRA, I should have been notified that they were attempting to collect a debt. Midwest Recovery did not provide a dunning letter nor any written correspondence to that end, ever notifying me of this alleged debt thus, forfeiting my consumer right to dispute the validity of this alleged debt. I have never heard of this company, never communicated with them, nor have I ever signed any contract with them. This erroneous, unverifiable entry must be removed from my report immediately due to the FCRA violation. See attached credit reports that reflect the recency of this entry on my credit reports. This inaccurate and unverifiable entry has caused great detriment to my credit reports and all at the fault of this 3rd party collection agency illegally inserting this erroneous information. DELETE THIS ENTRY IMMEDIATELY!
Company Response: Closed with explanation
2019-02-14
Sanders, KY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Complaint: Midwest Recovery Systems, I have had a collection from this firm removed several times from my XXXX, XXXX and XXXX credit files. First I have no knowledge of this debt and they never prove it accurate, next they continue to change dates of first delinquency so the credit agencies will allow it to report. Each time it is removed, they report it again months or even years later and just report a different first date of delinquency so that it will show up. This started in XX/XX/XXXX and 9 years later they continue, including again this week, thus once again sinking my credit scores will I once again wait for the CB 's to investigate and delete.
Company Response: Closed with explanation
2019-02-14
Atlanta, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I have been a victim of identity theft and it seems that this will be a never ending miserable issue for me. The credit cards with XXXX XXXX XXXX were opened fraudulently not by me. I disputed these accounts with the original creditor and all thee bureaus and the accounts were deleted from my credit file. I submitted a police report for these fraudulent accounts as well. Now, these accounts are in collections and reporting on my credit files again with a different creditor, Midwest Recovery Systems. This is not only frustrating but it is also causing a negative impact to my credit file for an account I never had!
Company Response: Closed with explanation
2019-02-14
Dallas, TX
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: Midwest Recovery Systems reported a six year old debt on my credit history after it was removed previously in XX/XX/2018 after being disputed on my credit report. I demand removal of this negative information immediately.
Company Response: Closed with explanation
2019-02-14
Smyrna, SC
Took or threatened to take negative or legal action
Debt collection: Payday loan debt
Threatened or suggested your credit would be damaged
Complaint: On XX/XX/XXXX received a phone call from a SC number. I spoke with a black male who asked who I was. I stated may i ask who is speaking. He stated i assume this is **** ( Myself ). Asked me to verify the last 4 of my SS and Date of birth. He did advise this is an " admit to collect a date ". I advised about a loan dated back to XX/XX/XXXX for a payday loan. I advised that i was currently working and paying this loan with someone else. They then advised me that i was being scammed by the company that i am paying and that they have the loan in their office now as of XX/XX/XXXX. I have not received any documentation from this company. Today, i received notification that from my credit monitoring that they have added this loan onto my credit dated back from XX/XX/XXXX. I am in the process of paying this loan every month from a company that worked out an agreement to clear this up. and also disputed this with a XXXX credit bureau.It has not been placed on my other major credit bureaus. I am the process of sending a debt validation letter as well. But i never received documentation that this loan was sold. And per the people i am paying they have not sold this loan to anyone else. And also this loan is pasted statue of limitations, and also i advised that to the rep who i spoke with today as well. He stated that well that is true but since we placed the loan in our office that we can place it on your credit.
Company Response: Closed with explanation
2019-02-14
Liverpool, TX
Threatened to contact someone or share information improperly
Debt collection: I do not know
Contacted you after you asked them to stop
Complaint: I DONT HAVE OR TAKE OUT A LOAN, I HAVE REQUESTED DOCUMENTS TO VALIDATE THE LOAN, I AM NEVER RECEIVING THE REQUESTED INFORMATION. THIS IS A STRESS ON MY HEALTH AND I ASKED FOR THE ASSISTANCE TO GET THE REQUIRED INFORMATION SENT ALONG WITH REQUESTED DOCUMENTS TO CONFIRM LOAN
Company Response: Closed with explanation
2019-02-14
Mabank, TX
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Complaint: On XX/XX/2019 I was checking my Credit Bureau Reports and notice a collection account on two of my Credit Bureau Reports. Mainly XXXX XXXX and XXXX Reports from MidWest Recovery System for {$1200.00}. This Collection Agency have violated 809. Validation of debts, by failing to Validate this debt and to give me a right to dispute this collection within 30 days from notification. I have no clue who they are nor the Date of debt or the original Creditor. They have used two different mailing address and contact numbers to report this collection on the credit Bureau 's with partial display of a account number. This Collection Agency have failed to send me a notice of debt before reporting it to a Credit Bureau. I have not been given the Right to dispute the debt in pursuit of section 809 of The Fair Debt Collection Practices Act. I live in the State of Texas and we also have a Stature of Limitation.
Company Response: Closed with explanation
2019-02-14
NE
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: looked at my credit report found XXXX XXXX XXXX XXXX XXXX XXXX. I never have had a card or banked with them. No letter has been sent nor inquire has been made to see if this debt is actually mine. There is no information on this account as well such as account number ect.
Company Response: Closed with explanation
2019-02-13
Jacksonville, FL
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Company Response: Closed with explanation
2019-02-13
Glenn Heights, TX
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
2019-02-12
Columbia, SC
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-02-12
Macclenny, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Complaint: XXXX XXXX claims that I overdrew a savings account and have reported it to the credit bureaus as of XX/XX/2019. I did have an account but did not overdraw it and the account was closed more than 7 years ago. I have disputed it but they will not remove as they say that it is correct. I believe that it should be removed because of the time frame when the account was closed.
Company Response: Closed with explanation
2019-02-12
Tampa, FL
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: Midwest Recovery has been contacting me since last year about a debt last year ( XX/XX/XXXX ) I had an financial advisor and informed them to contact them, their phone number was given. NO notice was received from Midwest and I was not informed by my financial advisor that they had responded to any communication. I began receiving the calls again this year XX/XX/XXXX and I have informed them on more than 2 accounts to verify the account because when I asked them questions about the debt the diverted the conversion and could not give me specific information, they only said that the debt originated in a medical facility in Florida. I told them to validate the account in writing gave them my updated address and I have never received a letter to validate the account. They continue to call without and end to the issue and still have yet to validate the account. As I am aware myself and my financial advisor has paid all my outstanding medical bills and the 3 I have now I am on a payment plan. I am unaware of this debt and can't help to resolve the debt because they have yet to validate the account.
Company Response: Closed with explanation
2019-02-12
Houston, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: A collections was placed on my account for the amount of {$11000.00} on XX/XX/2018 by Midwest Recovery Systems. I am not aware of this debt and I have no documentation that it is mine. I was never even contacted by the original creditor, nor was I contacted by this collections agency via email or mail, before this was placed on my account. I do believe that a notice should have been provided so that I could have opportunity to pay or make other arrangements. I've reported this information to the XXXX and have disputed this claim through XXXX XXXX. While on XXXX XXXX I did notice that other patrons was affected by Midwest Recovery Systems also.
Company Response: Closed with explanation
2019-02-10
Kansas City, MO
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-02-10
TX
Written notification about debt
Debt collection: Payday loan debt
Didn't receive notice of right to dispute
Complaint: On XX/XX/XXXX, I checked my XXXX credit report and Midwest Recovery Systems showed up on my credit profile this was recently put on my credit profile without any knowledge on my part. This is supposedly from a payday loan company, XXXX XXXX XXXX in the amount of {$200.00} - first date of delinquency is showing XX/XX/XXXX. XXXX XXXX has failed to notify me before placing this alleged debt onto my credit which is a FRCA violation. I have not received any communication from this company by phone, email, or US mail. I have the right to dispute debts and must be notified before anything can be reported to the credit bureaus. I do not have any knowledge of this account this account was reported to all credit bureaus drastically and negativity affecting my credit. I did not receive anything notify me of this debt nor did I have the opportunity to challenge the debt. I would like proof of my signature, or some type of proof showing ownership from his debt. I am currently in the process to buy a home and this company is delaying this process, due to this appearing on my credit reports. I am also going to dispute with credit bureaus, and file complaint with the XXXX.
Company Response: Closed with explanation
2019-02-07
Bellaire, TX
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Complaint: Hello, Im XXXX XXXX. Im Trying To Cleanup My Reports. Ive Got Some Complaints About XXXX XXXX XXXX Texas XXXX XX/XX/XXXX Inquiry. Myself & My Wife Got A Letter From Our Bank. XXXX XXXX Stating Were Approved For A Vehicle. We Was Told Our Letter From XXXX XXXX Was A Gimmick. We Suffered For Months With The False Info XXXX XXXX Gave Us. Our Credit Has Been Damaged.
Ive No Knowledge Of Myself Applying For Anything At XXXX XXXX XX/XX/XXXX.
My Credit Was Hit 4 Times On XX/XX/XXXX The Following : 1 XXXX XXXX 2 XXXX XXXX XXXX XXXX 4 XXXX XXXX XXXX I Did Not Give Anyone Permission To Ask For Anything From These Companies.
I Have No Knowledge of 3 XXXX On XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX.
I Had Some Health Issues : Both XXXX Had XXXX For 30 Days Right After Id Moved In & I Had A XXXX XXXX With XXXX XXXX.
These Health Companies Reported Me To You When I Got Kicked Out Of My Apartment and When I Was Hurt.
1 Midwest Recovery Systems XXXX XXXX {$1500.00} 2 XXXX XXXX {$190.00} 3 XXXX XXXX {$610.00} 4 XXXX XXXX {$1100.00} 5 {$72.00} 6 XXXX XXXX {$1400.00} 7 XXXX XXXX {$2200.00} Ive No Knowledge Of Amp Security XX/XX/XXXX.
Ive No Knowledge Of Owing XXXX XXXX XXXX {$1800.00}. I Did Have Service With Them. My Bill Was {$500.00}, Not {$1800.00} Thank You
Company Response: Closed with explanation
2019-02-06
North Olmsted, OH
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-02-06
Kansas City, MO
Attempts to collect debt not owed
Debt collection: I do not know
Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation
2019-02-06
TX
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Complaint: I happened to look at my credit reports and Notice a company called XXXX XXXX had a collection on my account at least until XX/XX/XXXX, the date i received my first credit report from XXXX.
Soon After i assume the Medical Account was sold/transferred to XXXX XXXX XXXX.
I also have my XXXX report showing : DATE ASSIGNED is XX/XX/XXXX.
I never received a notice. I never received a call. No communication was made.
i have tried to contact them and they have not responded in any manner.
I have also tried to contact them on their website on XX/XX/XXXX and I have yet to receive any notification, verification, and/or validation that i have asked for from the company.
Company Response: Closed with explanation