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 19
2018-08-11
San Jacinto, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Midwest Recovery System has put a collection on my report and this collection does not belong to me. I have no contract with them now or will ever sign any contract with them. I have never made any type of business with this company. The account states that it was opened in 2 different dates which in both of those dates I was not in the country. I demand this company to erase this collection off my report immediately per FCRA 15 USC section 1681i. I have not ever received any paperwork of them trying to collect any debt and they need to send anything in written in advance before submitting a collection to my credit report.
Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.
2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
3. Any insurance claims been made by any creditor regarding this account.
4. Any Judgments obtained by any creditor regarding this account.
5. Name and Address of alleged creditor.
6. Name on file of alleged debtor.
7. Alleged account number.
8. Address on file for alleged debtor.
9. Amount of alleged debt.
10. Date this alleged debt became payable.
11. Date of original charge off or delinquency.
12. Verification that this debt was assigned or sold to collector.
13. Complete accounting of alleged debt.
14. Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for " MRS '' 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 copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days from processing after I receive this information back.
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say 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.
This is NOT a resquest for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your 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 your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. 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 legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Company Response: Closed with explanation
2018-08-11
Kingstree, SC
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Complaint: On XX/XX/XXXX it was brought to my attention that XXXX XXXX XXXX XXXX had reported to the credit agencies that I had a account in collection for {$840.00}. The original creditor was XXXX XXXX XXXX, which I have never heard of. I asked for documentation and she immediately sent me an email that basically only stated who the original creditor was and who the current creditor was. While on the call she said her supervisor had authorized her to settle for half that amount. At 1st I thought I should take advantage of the opportunity so I listened to my options. I told the lady I needed the original documents that show what I owe and who I owe. She said she was emailing me the info as we speak. I agreed to settle the debit as long as I could have the info I requested. I set up payment but never received the requested info. I waited 30 minutes and called back asking why I hadn't received it. She said they were waiting on the payment to process but promised I would get it. As I waited I began doing research on XXXX XXXX XXXX as well as midwest recovery systems and XXXX, XXXXXXXX XXXX XXXX. Couldn't even find anything on XXXX XXXX XXXX other than them being involved in payday loan scams. At this point I'm feeling as if I have been a victim of a scam so I keep digging only to realize both XXXX XXXX XXXX XXXX and XXXX. XXXXXXXX XXXX XXXX have negative ratings with the XXXX. I attended to call XXXX XXXX again but didn't get an answer. Nervous that I'm out {$420.00}. which seemed like a bargain earlier, I called my bank to stop payment just to be informed this is a growing issue with them. If I owe someone I am willing to pay my debt but they claim this payday loan happened in XXXX yet I have no knowledge of the company and with all signs pointing to this being a scam I demand proof of what I owe and will not pay a dime until that proof is provided
Company Response: Closed with explanation
2018-08-10
Enon, OH
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Closed with explanation
2018-08-08
Key Biscayne, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was result of identity theft
Complaint: I don't know who the original creditors are not these companies that are reporting on my credit. I've reached out several times and they still will not remove these accounts
Company Response: Closed with explanation
2018-08-08
Manassas, VA
Written notification about debt
Debt collection: Payday loan debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2018-08-08
Houston, TX
Can't contact lender or servicer
Payday loan, title loan, or personal loan: Payday loan
Complaint: I am emailing you so you can please have the company take this off my credit report it is still reporting on the XXXX file, I just had this deleted from the XXXX report XXXX-18 and they found out it was open fraudulently the company is XXXX address mid wst recoverXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX tel # XXXX, this is showing up for amount XXXX which is not my debt, please have them remove as soon as possible, I have call and nothing have been done. I thank you in advanced to get this taken care of.
Company Response: Closed with explanation
2018-08-07
LA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: On XX/XX/XXXX after reviewing my credit report I found a debt from Midwest Recovery Systems I immediately mailed them a certified letter number XXXX XXXX XXXX XXXX XXXX validation of debt letter the letter was returned to me refused by receiver I have the tracking information for this item. After the letter was refused I disputed this item with all three credit bureaus XXXX, XXXX & XXXX all three credit bureaus validated this item as verified and updated per my request for validation. I can not be certain this is my account I don't even know who they company is collecting for and after Divorcing in XX/XX/XXXX I don't know if this was my account or my ex-husband 's account.
Company Response: Closed with explanation
2018-08-07
New Orleans, LA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I am receiving harassing calls from Midwest Recovery for a debt that is not mine and they put something on my creditr report. I have contacted an attorney as well.
Company Response: Closed with explanation
2018-08-06
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2018-08-06
San Antonio, TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX The above referenced company is reporting an outstanding loan in the amount of {$2000.00} with an original creditor XXXX XXXX. I have never requested or acquired this loan and have no idea who XXXX XXXX is. This collection appeared on my credit report as of XX/XX/2018.
Company Response: Closed with explanation
2018-08-06
Taft, OH
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Complaint: Midwest Recovery Systems is reporting I owe {$320.00} dollars for a payday loan. I have never been contacted regarding this debt nor sent any documentation proving is mine. I disputed this wrongful reporting on my credit reports and they are still not sending me written proof that this belongs to me. This charge as of today is currently being reported on my XXXX and XXXX reports. They both have different contact information. This is fraudulent and incorrect reporting. I need this to be investigated and complete and for it to be removed as this is a fraudulent attempt to tarnish my credit. The open date states XX/XX/2018. I have not opened any payday loans.
MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Company Response: Closed with explanation
2018-08-02
Wayland, MI
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Midwest Recovery Systems just showed up on my credit report as a collection. I have never heard of this people, don't know who they are and they have never contacted me. Please remove from my credit reports.
Company Response: Closed with explanation
2018-08-02
Occoquan, VA
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 submitted a dispute with XXXX twice to request removal of a collection in the amount of XXXX involving a collection company ( Midwest Recovery System ) whose client is an online payday loan company not licensed in the XXXX of Virginia. I do not recall in the last five years taking out a loan with this payday loan company ( XXXX XXXX XXXX ) and Midwest Recovery never sent me a notice that would allow me the opportunity to dispute the collection.
Company Response: Closed with explanation
2018-08-02
Sarasota, FL
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2018-08-02
Naperville, IL
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: I received notice that I have a collection account on my XXXX Credit Report. I was never notified prior to this account being added on my credit report also I don't know anything about this account. Please remove this account immediately.
Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX XX/XX/2018 MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX RE : Unknown Account On TransUnion Credit Report To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 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 legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records and any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
Company Response: Closed with explanation
2018-08-01
Heath, TX
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-08-01
Royse City, TX
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Company Response: Closed with explanation
2018-07-31
Lewisville, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Put a collection account on my credit that is not mine. I want to see the original documentation. I never signed for a Pay day loan. Also have gotten calls from this company threatening me. I want this removed from my account immediately.
Company Response: Closed with explanation
2018-07-31
TX
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Complaint: Was contacted XX/XX/XXXX about a debt that was from a Payday loan from XX/XX/XXXX. I have never used a Payday loan, they contacted me and told me it was reported on my credit, checked my credit on XXXX XXXX and it was on there, said I owed {$1300.00}, but they would settle for {$540.00} or if I didn't they would presue this even more I hung up, and started researching this company and XXXX XXXX the payday loan company they say I used, it is a scam, and now my credit has dropped and they won't quit calling and harrassing me. My husband and I are building a house and this has really messed my credit up and it is not my debt and I won't it taking off my credit and I want them to stop calling me, please help!!!
Company Response: Closed with explanation
2018-07-31
WI
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Complaint: The company Midwest REcovery XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX place me in collection for a dedt that is not mine they Violated the FRCA and the FDCPA they never notified me by writing or phone by law, i want this removed immediately or i will pursue legal action for damaged this is not me i never heard from this company ... I cant believe they put in collection without informing me of nothing
Company Response: Closed with explanation
2018-07-30
Blacklick, OH
Written notification about debt
Debt collection: Payday loan debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2018-07-30
Woonsocket, RI
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Closed with explanation
2018-07-30
Discovery Bay, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Just checked my credit report on XXXX XXXX and seen an account in collections for a payday loan which I did not take out.
XX/XX/18 Mw Rec Sys {$310.00} Read up on the collection agency and it turns out they're known for payday scams. Also, my bank recently cancelled and reissued my bank card saying my information may have been compromised.
Company Response: Closed with explanation
2018-07-29
MO
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Complaint: Our urgent care Co-payment was paid ( XX/XX/2018 ), overpaid ( XX/XX/2018 ) and still turned into collections. Received collection notice from midwest recovery ( XX/XX/2018 ). Contacted patient portal ( payment system ) for our urgent care and is being reviewed for correction. Contacted midwest recovery collection informing them of issue was told that the account would be noted. XX/XX/2018 midwest recovery reported negative account to my credit report without final notice.
Company Response: Closed with explanation
2018-07-29
Shreveport, LA
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Complaint: Upon checking my credit report on XX/XX/2018, I found that I have an open collections account for a payday loan. I am under the impression that this is a result of identity theft or a mistaken identity. Despite my calls to Midwest recovery and letters sent out to Midwest recovery, I have not received a proper response as to how or why did this collection show up on my report. I have not been provided proof that this debt is indeed mine. I also sent a letter to all three credit bureaus regarding this matter, and have yet to receive documentation proving that this debt is indeed mine.
Company Response: Closed with explanation