Midwest Recovery Systems

2018-10-10

New Orleans, LA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Complaint: I was notified by Midwest Recovery Systems, LLC. of a debt of {$1700.00} forwarded to their office for collections by XXXX XXXX XXXX for collection of debt. The referenced debt is for professional medical fees generated by an emergency admit ( dos XX/XX/2014 ) to XXXX XXXX Hospital which is a VA approved medical facility. All entities was billed and processed for payment except it seems for the original provider XXXX XXXX XXXX XXXX. The claim was resubmitted to XXXX XXXX Billing Dept. and processed for payment. Attached are the explanation of benefits and a letter from the Veterans Administration informing the various entities that the payment received represents payment on full for services rendered. I am a XXXX XXXX veteran listed as XXXX XXXX XXXX and as such I do not generate any patient financial responsibility for claims generated by any VA facility.
Company Response: Closed with explanation

Timely Response

2018-10-07

Okc, OK

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Complaint: On XX/XX/2018 I received a notification from XXXX XXXX that a new derogatory account had been added to my credit reports. Upon logging in, I saw that on XX/XX/2018 Midwest Recovery systems had added a new collection account in the amount of {$220.00}. I sent them a certified letter on XX/XX/2018 requesting validation of the debt within the next 30 days and also telling them that they needed to remove the unvalidated debt claims from all 3 of my bureau reports. As of XX/XX/2018, I have not heard anything from them nor has anything been removed from my bureau reports. I was never contacted by them in writing or by phone before they threw this alleged debt collection onto my credit reports causing my fico scores to drop.
Company Response: Closed with explanation

Timely Response

2018-10-05

Dallas, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-10-04

Pikeville, NC

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Complaint: Midwest Recovery has reported to my Credit that I owe them XXXX from some place called XXXX XXXX XXXX. This is not my debt and Midwest Recovery has not even contacted me they just placed on credit. This is the third time this company has done this and the other two were removed because they knew they were scamming me. This XXXX needs to stop with Midwest. They are THIEFS. And by the way online payday loans are illegal in NC. So how would I do that.
Company Response: Closed with explanation

Timely Response

2018-10-01

Lewisville, TX

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Complaint: A company has reported false information to all 3 credit bureaus. This company claims that I owe a balance of {$130.00} of which I do not know anything about. The open date is XX/XX/2018. I have disputed the account with all 3 major credit bureaus, and they have all come back verified. On my XXXX credit report the account status updated to charge-off ; after my dispute exclaiming the account not belonging to me.
Company Response: Closed with explanation

Timely Response

2018-10-01

Auburn, AL

Incorrect information on your report

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

Personal information incorrect
Company Response: Closed with explanation

Timely Response

2018-10-01

Auburn, AL

Incorrect information on your report

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

Personal information incorrect
Company Response: Closed with explanation

Timely Response

2018-09-30

AL

Improper use of your report

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

Reporting company used your report improperly
Complaint: Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Midwest Recovery Systems is reporting 2 unlicensed payday loans on my credit report from years ago that are illegal in my State Of Alabama. XXXX XXXX XXXX is listed with a balance of {$370.00} owed and XXXX XXXX also for the amount of {$370.00} is listed on XXXX and XXXX XXXX. The principal on both of these loans were paid and both companies owed me a refund. I contacted both companies and let them know they were not licensed in my state and the overpayments I made needed to be refunded. My next step is too get an attorney and sue them to remove this off my credit report as they are breaking the law by putting them on my report as they are a junk debt collection company with hundreds of complaints against them.
Company Response: Closed with explanation

Timely Response

2018-09-28

Houston, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Complaint: Midwest Recovery inserted a fraudulent account into my credit file. Not only is this fraud Midwest Recovery has failed to communicate to me that they hold any accounts under my name. I am not being given my right to dispute the validity of each account to inform this company that this account do not belong to me and is a direct result of identity theft. You are hereby notified that I am a victim of identity theft and the accounts listed below that appear on my credit file are a result of identity theft. I I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Company Response: Closed with explanation

Timely Response

2018-09-27

Carrollton, TX

Written notification about debt

Debt collection: Payday loan debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2018-09-27

San Antonio, TX

Took or threatened to take negative or legal action

Debt collection: Payday loan debt

Threatened or suggested your credit would be damaged
Complaint: I feel third-party debt collector Midwest Recovery Systems ( MRS ) is currently violating state and federal laws when reporting accounts to the credit bureaus. When MRS purchases old debts from an original creditor they never contact the consumer, neither 30 days prior to reporting it or 30 days after reporting it. They are in the business of reporting fraudulent or erroneous information to the credit bureaus with the intent to deceive consumers for financial gain. MRS has a history of reporting old accounts, outdated accounts, fraudulent accounts and inaccurate accounts to the three major credit bureaus without validation. When reporting these accounts they knowingly report invalidated accounts, inaccurate balances, erroneous open dates ( to re-age accounts ) to keep the accounts on credit reports longer and different address to avoid consumers complaints. Also, when you dispute their claim through the three major credit bureaus, they update your account with a blanket statement that it complies with the FCRA and age the account to include missed payments. Currently reported the following : XXXX ( credit report dated XX/XX/2018 ) Account name : XXXX XXXX Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/2018 Account Status : open Bal : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX ( invalid number ) XXXX ( credit report dated XX/XX/2018 ) Account name : Midwest Recovery Systems Original Creditor : XXXX Date Opened : XX/XX/2018 Account Status : closed Bal : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ( credit report dated XX/XX/2018 has no collection account from Midwest Recovery Sys or XXXX ) ( Credit report dated XX/XX/2018 contains the following information ) Account name : Midwest Recovery Systems Original Creditor : XXXX Date Opened : XX/XX/2018 Account Status : closed Status Updated : XX/XX/2018 Bal : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX *MRS did not report to XXXX until XX/XX/2018 after I filed a XXXX complaint on XX/XX/2018. With a balance date or XXXX *MRS flagged my account on XX/XX/2018 as collections, with a balance date of XXXX *Updated XX/XX/2018 as FB ( failed to pay ) As you can see that this company has a habit of providing erroneous and conflicting reports to the different credit bureaus in an attempt to deceive for financial gain. I never opened an account with MRS or XXXX in XX/XX/2018 as they have reported. I find it odd that they never contacted me or sent any correspondence concerning his supposed debt. I also find it disturbing that they would report different information to the bureaus as well as continue to provide misleading and erroneous information while my dispute is being investigated. Spoke with XXXX XXXX of MRS XX/XX/2018 and she refused to discuss the supposed debt because I wouldnt provide my social security number or date of birth. I did not feel comfortable providing this information seeing that they have been very deceptive in their practices. At this point I feel I have no other option than to hire legal representation to resolve this.
Company Response: Closed with explanation

Timely Response

2018-09-26

Birmingham, AL

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-09-25

TX

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: I have never done business with Midwest Recovery System. I do not have a signed contract with Midwest Recovery System. I did not receive any notice before Midwest Recovery System inserted a debt in the amount of {$240.00} in which they claim I owe. Due to these factors Midwest Recovery needs to remove this debt from my credit reports immediately.
Company Response: Closed with explanation

Timely Response

2018-09-25

Austin, TX

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: This company has called about once a day for the past few months- I have told them to take me off call list- they either hang up before I can get a word in or say they will do it and call the next day. I called back today and pretended I didn't know they were a scam- and the lady was very rude- very XXXX and telling me she didn't care if I knew it was a scam or not that her shift was almost over. I told her I was going to report her and she said she didn't care- people do it all the time.
Company Response: Closed with explanation

Timely Response

2018-09-24

MO

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: Re : Acct. XXXX Midwest Recovery Systems report XX/XX/2016 {$580.00} Reporting from all credit bureaus. I have contacted Midwest Recovery Systems, LLC verbally since XX/XX/2016. They would not remove the acct. I contacted them by letter XX/XX/XXXX telling them it is a violation of the Fair Credit Reporting Act to report {$580.00} balance due to XXXX on my credit. I requested viable evidence bearing my signature that the report to be accurate. THey did not respond to my request. I wrote a letter to all credit bureaus disputing a false collection on my credit report XX/XX/XXXX. I requested a copy of any documents, bearing my signature showing that I have a legally binding contractual obligation to pay the alleged amount. The days and times of sign in and sign out of services equaling the alleged amount claimed that I owe Midwest Recovery Systems LLC. They responded stating the information was verified but did not provide any documentation requested that this was an accurate report. This is a violation of the Fair Debt Collections Practices Act Section 807-8 and Defamation.
Company Response: Closed with explanation

Timely Response

2018-09-21

Old Round Rock, TX

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2018-09-21

GA

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: I looked anatomy credit report and saw numerous problems with it. I disputed information that was incorrect and not mine and it came back as verified but was not validated. I never had an account with this creditor and I do not owe this debt. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Convergent Outsourcing Opened XX/XX/XXXX {$590.00} Midwest Recovery Systems Opened XX/XX/XXXX {$7200.00}
Company Response: Closed with explanation

Timely Response

2018-09-20

Daytona Beach, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-09-20

Baton Rouge, LA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-09-20

Indianapolis, IN

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Complaint: Company contacted me on a medical debt. I advised that it had surpassed it statute of limitations and I do not owe the money for several reasons. Caller said " we are reporting this to your credit bureaus and this will effect your credit ''
Company Response: Closed with explanation

Timely Response

2018-09-19

Garrett Park, MD

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: When picking up the phone, an automated voice comes on " this is XXXX XXXX with Midwest recovery systems, please hold for the next available representative. '' Most of the time, the phone rings several times and then goes to an answering machine. When a representative does answer, they immediately ask for my name and then say there is a claim against me. They say I owe $ 700+ and I must pay by end of day or they're submitting a warrant and sending the local police to my location ( they gave an address I had out of state 5 years ago ). When I asked them to send me information regarding the debt they said - we did. I said I never received it and I have no knowledge of it, the lady 's response was - That's what they all say, pay today or you're going to jail. I told her I need to speak with my lawyer and she hung up on me. Upon call backs to this company, no one will state the name of the company. They immediately ask my name and won't give any other information. When making repeated call backs to attempt to get another representative, it is the same person EVERY time. The number they call from is XXXX
Company Response: Closed with explanation

Timely Response

2018-09-19

IN

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: I have never received written notification of a collection account which appeared on my XXXX credit report. I disputed the item with XXXX, and the item was deleted from their credit file on XX/XX/2018 as a result of their re-investigation due to inability to verify the debt. The same account has now been reported on my XXXX and XXXX credit files as of XX/XX/2018, and I have initiated disputes with the credit bureaus to have the account removed.
Company Response: Closed with explanation

Timely Response

2018-09-15

Discovery Bay, CA

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: I sent two certified letters to CA for validation and they sent me a copy of a bill. And that according to the Fair Debt Collection Practices Act, I have the right to ask them to send proof of that debt. The Fair Debt Collection Practices Act, a federal law regulating debt collectors, allows consumers to request the debt collector to send proof of then debt through a process called debt validation. A copy of a bill IS NOT proof of debt. I also stated they were violating my rights under the law put in place to protect consumers and I demand proof of this debt or delete it from my credit reports immediately.
Company Response: Closed with explanation

Timely Response

2018-09-13

Houston, 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

Was not notified of investigation status or results
Company Response: Closed with explanation

Timely Response

2018-09-12

Gretna, LA

Written notification about debt

Debt collection: Payday loan debt

Didn't receive notice of right to dispute
Complaint: Midwest Recovery Systems is reporting a collection to the credit bureaus that Ive never applied for or received. I have made several attempts to contact this agency in an attempt for verification, but to no avail. I have disputed this account with the credit bureaus, also requesting verification, but I have not been successful in my attempts through this course of action either. I have never been notified or received any notification of this debt or verification via signed contract and/or proof of deposit. I have never received a payday loan from XXXX XXXX XXXX XXXX or any other payday loan organization. This account does not belong to me and Midwest Recovery Systems can not validate this account as belonging to me. They have refused to properly notify me of this alleged account and refused to remove this account from my credit report. This account is fraudulent and the company appears to uphold and participate in fraudulent activity.
Company Response: Closed with explanation

Timely Response