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 16
2018-11-09
Jacksonville, FL
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: A inquiry from Midwest recovery showed up on my report, shortly after I received notification of a collection of {$1100.00} was reporting on my reports. There is no account number or information present to contact an original lender to validate an debt owed. However there was also the lack of a 30 day notification of a debt, which is against FCRA. I researched company and found that that's this company is known to report collections without notifying consumer and allowing time to validate and/or dispute. I would like for this company to validate this debt by providing the type of debt, by including a contract with my signature and an original detailed bill. THIS COMPANY IS NOT TO CONTACT ME VIA MAIL, EMAIL, OR PHONE. ALL REPSONSES AND DOCUMENTS IS TO BE UPLOADED TO THIS SITE.
Company Response: Closed with explanation
2018-11-08
Val Verde, TX
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-11-08
Havana, FL
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: To Whom It May Concern : I received an alert about an account being reported by Midwest Recovery. Please be advised I have requested validation { not verification } of an item reported to XXXX, XXXX and XXXX by Midwest Recovery. I have received a response that clearly violates my rights according to the HIPAA Act of 1996 AND I never received notice how to dispute the debt. Additionally, Midwest Recovery did NOT provide me a HIPPA release for my medical information, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against Midwest Recovery should this item not be deleted within the required time allowed by law. Midwest Recovery is in direct violation of HIPAA regulations, and they are facing fines up to {$10000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a removal of the reported information expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Company Response: Closed with explanation
2018-11-08
Havana, FL
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: Midwest Recovery Systems is NOT licensed to collect debt in the state of Florida. Their license expired in XX/XX/2013. They have NOT renewed their license, and they have NOT notified me of any debt prior to reporting. According to the Fair Credit Debt Collection act, and the Fair Credit Reporting Act, I am supposed to be notified of a debt and given sufficient time to dispute or resolve the debt. This debt was reported without my acknowledgement and they are violating my HIPPA rights.
Company Response: Closed with explanation
2018-11-07
TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I dont know who Midwest Recovery Systems is or who they represent, all I know is these people have never notified me that I apparently owe a debt instead the decide to attack my credit report.
Why attack my credit report when you could have called or sent me a bill in the mail letting me know more about this debt.
I feel Midwest Recovery Systems has violated my rights by attacking my credit report and not giving me even a chance to address this issue.
Company Response: Closed with explanation
2018-11-06
Leeton, UT
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I sent a handwritten certified letter to them on XX/XX/2018 asking for validation and verification on this account that is negatively reporting on my credit report. I have not received any verification or validation on this account. Per section ( 609 ) of the Fair Credit Reporting Act I should have received validation and verification of this debt within 30 days.
Company Response: Closed with explanation
2018-11-06
Jupiter, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was result of identity theft
Complaint: I received a debt notice from you. This is not my debt. I have been the victim of identity theft. Since it is not my debt I have no idea of what name you have, either my married name, XXXX XXXX, which I haven't used since XX/XX/2005, or my maiden name, XXXX XXXX. I attached all my ID docs and police reports and proof of my identity. and an identity theft affidavit.
Company Response: Closed with explanation
2018-11-03
AL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I submitted a complaint case number XXXX and the company responded which I have included below. It has been over 30 days and its still showing on my credit report. I want it removed as stated right away ....
STATUS Company responded on XX/XX/2018 RESPONSE TYPE Closed with explanation Company 's Response Midwest Recovery Systems ( MRS ) strives to provide the highest quality of service to our clients and our clients customers. Therefore, MRS regrets hearing otherwise and takes these matters very seriously. Thank you for bringing this complaint to our attention and we appreciate the opportunity to respond. Upon receiving notification of this complaint, MRS investigated regarding this matter. It was found that our client was unable to validate this debt. This account has been marked as Unable to Validate as of XX/XX/2018 and a record of deletion will be sent to the three credit reporting agencies. Please allow 30 days for the credit reporting agencies to update their records. If there are any questions, please contact our office to resolve this at XXXX. You may also email us at XXXX. - MRS Compliance Team
Company Response: Closed with explanation
2018-11-01
Austin, TX
False statements or representation
Debt collection: Medical debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2018-11-01
WV
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: I left for basic training with the XXXX in XX/XX/2018, and during that time I was hit with a collection that was not mine. It stated that I had went to a medical office XX/XX/2018. And since then I have been hit 6 times with this creditor and there would have been no way I could have even went to this office because I was in basic training and couldnt leave. I have been able to take 4 off but there are still 2 on my account. Which is killing my credit score. I try contacting the office but it doesnt take me anywhere. Im only XXXX years old and I dont know what to do. Or how to get it to stop hitting my accounts. Please help me if you can, I dont want it to continue to ruin my credit. ( XXXX ) XXXX is the number to the office but when I try to call it doesnt work. Theyre called Midwest recovery system and I cant even find a real website on them. They first hit my account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, two on XX/XX/XXXX and the last one hit XX/XX/XXXX. Please help. I dont know what else to do other than trying to dispute but no one has been able to help keep them off permentaly. Every time I check my XXXX XXXX score it goes down in huge amounts because of this creditor. And Ive tried contacting XXXX and XXXX but nothing works.
Company Response: Closed with explanation
2018-10-29
MO
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Complaint: I was never informed of this debt, nor do I have any knowledge of this account. This is reported on my credit to all 3 credit reporting agencies and is negatively affecting my credit. I was never sent anything in the mail, and when I disputed they still are fighting the validity of the debt however was never afforded the opportunity to challenge this account.
I have contacted the company multiple times, and they do not give me any help, stating they sent something but it was not to a current address. This item should be removed off my credit report as I have no knowledge of this account and was not given the opportunity to dispute the account.
Company Response: Closed with explanation
2018-10-29
Beyersville, TX
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-10-26
Newnan, GA
Took or threatened to take negative or legal action
Debt collection: Auto debt
Threatened or suggested your credit would be damaged
Complaint: on XX/XX/XXXX I looked on my XXXX report and saw a collection for midwest recovery system llc so I called them to find out what this auto loan was about they told me it was a dept they are trying to collect for XXXX XXXX XXXX I never signed a deal nor a contract with midwest recovery system llc so they should not be contacting me or going after my credit in no way cause I have no legal binding nor obligation to this company in written or verbal agreement form
Company Response: Closed with explanation
2018-10-25
Mount Holly, OH
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: received numerous calls from Midwest Recovery Systems. Spoke to them today at noon on XX/XX/XXXX and they are stating that I have a debt for over {$3000.00} for XXXX XXXX from XX/XX/XXXX. We have always used XXXX XXXX ( 15+ years ) and it is under my wife 's name and not mine. They say it is affecting my credit report and I need to pay immediately. After reading other testimonials online, it became apparent that this company has been scamming people for some time by making up fake debt and reporting to credit agencies. They called me from XXXX and provided a website of XXXX and told me to update my address online. They say I made a payment of {$50.00} on XX/XX/XXXX, which I definitely did not!
Company Response: Closed with explanation
2018-10-25
Fort Stockton, TX
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Complaint: I have an account that was reported to my XXXX credit report by Midwest Recovery Systems in the amount of {$450.00} this account is owned by a debt buying company called cascade capital. It was originally reported by a company called XXXX XXXX XXXX XXXX in the amount of {$310.00} after I sent a debt validation letter to XXXX XXXX XXXX XXXX it was sent back to XXXX XXXX and was re assigned to Midwest Recovery Systems and reported to XXXX. I contacted Midwest Recovery Systems today XX/XX/XXXX about this alleged debt and spoke to a lady named XXXX XXXX who tried to offer me a pay for delete for this alleged debt I informed her that I have been a victim of identity theft and trying to verify these debts on my credit report once she realized was not interested in paying this debt she became rude saying I don't care what you do ill note your account as a refusal to pay and blew me off after she realized I had no intention of paying. This account is was past the statue of limitations in the State of Texas and I just wanted info I do not think it is right for whenever you try to validate a debt instead of doing so the debt is moved around.
Company Response: Closed with explanation
2018-10-23
Birmingham, AL
Took or threatened to take negative or legal action
Debt collection: I do not know
Threatened or suggested your credit would be damaged
Complaint: Please note that this is a statement that your claim is being disputed and validation is demanded. Midwest Recovery Systems has reported an account in collection to all three credit bureaus as of XX/XX/XXXX which has caused problems with my credit report when I haven't opened or taken out any new loans or accounts since XX/XX/XXXX because I am in the process of buying a home and all of a sudden this collection popped up on my report. I attempted to call and find out where this collection came from and asked if they could send me verification for the validation of this debt they claim I owe but I kept getting transferred to different people and was told they couldn't send anything out. I am requesting that I be provided with a validation of debt, when the debt first originated to verify that I do owe said debt and have any legal obligation to pay you. Please provide the following : Agreement with the creditor ( XXXX ) that authorizes you to collect on this alleged debt, the agreement bearing my signature stating that I have agreed to assume the debt, valid copies of the debt agreement stating the amount of the debt and interest charges, proof that the statute of limitations has not expired, complete payment history on this account along with an accounting of all additional charges being assessed. Also needed is proof that you are licensed to operate in the State of Alabama along with your business license number and Registered Agent number. If your office ( MIDWEST RECOVERY ) fail 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 credit file. Moreover, all future attempts to collect on said debt must be ceased.
Company Response: Closed with explanation
2018-10-21
GA
Took or threatened to take negative or legal action
Debt collection: Payday loan debt
Threatened to arrest you or take you to jail if you do not pay
Complaint: I am receiving calls multiple times a day saying I owe a debt from years ago involving a payday loan. I have asked for written debt verification either by mail or by email. Neither which I have received. Then this fraudulent debt shows up on my credit report which made my score drop dramatically. The threatening phone calls state that I will receiving a wage garnishment and that they are just waiting on work verification. They also stated that a warrant for arrest will be sent to my home. I would like this debt to be marked for dispute and fraudulent immediately. Also I would like the collection calls to myself and former friends and family members to cease immediately
Company Response: Closed with explanation
2018-10-21
GA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: This collection was disputed and also deleted on off of my credit file on XX/XX/2016 but keeps reappearing. I have never done business with Midwest Recovery. I do not have a signed contract nor any contract with Midwest Recovery. I am not liable for this collection from Midwest Recovery. Please validate this debt with Midwest Recovery and myself. An alleged bill from another company or alleged e-signature provided from another company is not proof of validation of a debt and is not suffice. Midwest Recovery failed to notify me BEFORE placing this alleged debt onto my credit report which is a FRCA violation. This violation can result in a {$1000.00} fine. All communication is to be through this portal. Midwest Recovery does not have permission contact me by e-mail, phone, or US Mail.
Company Response: Closed with explanation
2018-10-19
NM
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I was notified by XXXX XXXX that this recently showed up on my XXXX and XXXX credit report. I viewed my credit report and it shows a collections item from Midwest Recovery Systems. The account was opened on XX/XX/2018 ( 3 months ) and the original creditor is XXXX XXXX. The amount is for {$350.00}. I never requested any payday loan on or around this date from this company. I haven't had any payday loans in over 5 to 7 years. I feel as though this is a result of identity theft and/or fraud.
Creditor Information Provided by XXXX XXXX is : Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Company Response: Closed with explanation
2018-10-19
New Orleans, LA
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: I have previously disputed the account in question in which the account along with others were removed. I have disputed this debt with you as well as XXXX XXXX multiple times but it keeps reappearing. The same company keeps adding this debt to my credit report stating that this is my debt. These accounts are being added as new accounts and I have never been to nor do I know of any company by the name of XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX. If you keep records of disputes made through your system, there should also be photos and documentation there as I did not keep all photos because I thought this matter was resolved.
Company Response: Closed with explanation
2018-10-17
Avon, OH
Threatened to contact someone or share information improperly
Debt collection: I do not know
Contacted your employer
Company Response: Closed with explanation
2018-10-15
Fort Worth, TX
Communication tactics
Debt collection: Payday loan debt
Used obscene, profane, or other abusive language
Complaint: Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX According to the Secretary of State Debt Collector Search website, this company does not have an active Texas bonding company.
Company Response: Closed with explanation
2018-10-12
Bedford, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: NEVER received proof that debt belongs to me or that I agreed in writing to pay Midwest Recovery. They reported to the credit bureaus a collection account that is fraudulent and frivolous in nature. Be advised this is a notice that your claim is disputed and validation is requested immediately. Under the Fair Debt collection Practices Act ( FDCPA ) /FCRA, I have the right to request validation of the debt Midwest Recovery says I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt to Midwest Recovery. This is a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I request that your offices provide me and CFPB with competent evidence that I have any legal obligation to pay MidwestRecovery. At this time I will also inform them that if their offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by Midwest Recovery or the companies you represent, I will not hesitate in bringing legal action against Midwest Recovery and their client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. My consumer rights attorneys and your legal staff will agree that non-compliance with this request could put Midwest Recovery in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I require 30 days to investigate this information and during such time all collection activity must cease and desist. All items of collection added to credit bureaus must be removed. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my attorney to continuing filing suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If Midwest Recovery fails to respond to this validation request within 3 days from the date of this complaint, all references to this account must be deleted from my credit file and a copy of such deletion request shall be sent to me immediately. CREDITOR/DEBT COLLECTOR DECLARATION pursuant to FDCPA/FCRA laws. Please provide the following ( please note all items must be completed and original forms no copies ) : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor and agreement that alleged debtor agreed to pay Midwest Recovery ( in its entirety with debtors signature in writing ). Any insurance claims made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number associated with original creditor. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable with contract agreeing to payment signed by alleged debtor and Midwest Recovery Date of original charge off or delinquency from original creditor. Verification that this debt was assigned or sold to collector. Complete accounting ( ledger/statements ) of alleged debt on original creditors books and Midwest Recovery books Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for Midwest Recovery in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with original documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act and FCRA guidelines. Please allow 30 days for processing after me and my attorney receives the requested
Company Response: Closed with explanation
2018-10-10
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2018-10-10
Laredo, TX
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Complaint: i have disputed this debt from services they claim were done on XX/XX/2015 this account has been disputed with several companies due to identity theft. Today i saw on my creditkarma that an account for Mid West Recovery was on my credit reports and I called them and spoke to XXXX at Ext # XXXX and he told me that they did not have to notify me before placing the account on my credit report. I told him that the previous companies that have contacted me have been given all the information and could not believe that they did not send them all the disputed documentation.
I feel this company is using the credit reporting companies as a weapon without falling the FDCPA guidelines.
Company Response: Closed with explanation