Midwest Recovery Systems

2018-07-27

Clayton, MO

Incorrect information on your report

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

Information belongs to someone else
Complaint: Over the years I've had problems with family members credit accounts being wrongfully reported to my credit file including bankruptcies!. Recently my sister 's medical bills totalling more than {$4500.00} from XXXX XXXX XXXX have been put on my credit report and I've contacted Midwest Recovery Systems who is the collection company handling the accounts. I've asked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to please correct this problem. XXXX out of XXXX accounts were removed in XXXX but there is still one account that remains on there and continuously damaging my score. In the past my mother and father filed Bankruptcy and that public record landed on my credit report for years! I was unable to get a car, house, or anything. I didn't know where to go for information. I finally walked into a bankruptcy office and showed proof of identity and they removed it. This also happened with my younger brother using his nick name and resulted in medical bills totaling {$7000.00} being inaccurately reported to my file. I worked hard to removed those accounts. It's unfair and not right that these company 's just pin these accounts on family members of the people that benefited from the credit accounts. They also need to find a better way to find the people. I was told that MRS looked up the address and reported the delinquent account that way instead of reporting the account by the social security number. XXXX by address is XXXX and is wrong, not a good a practice because my sister and brother did live with me at one point. I have never had a fair chance to improve my credit score because of all of this. I am wondering if there is any way I can be compensated? Thank you. Midwest recovery systems XXXX XXXX XXXX XXXX United States Bankruptcy Court
Company Response: Closed with explanation

Timely Response

2018-07-27

Rayford, 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

Investigation took more than 30 days
Company Response: Closed with explanation

Timely Response

2018-07-26

Astrodome, TX

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-07-26

Jurupa Valley, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-07-25

Houston, TX

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

2018-07-25

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

2018-07-25

Discovery Bay, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: MIDWEST RECOVERY SYSTEMSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX HAVE BEEN VERY AGRESSIVELY ATTEMPTING TO COLLECT ON A DEBT THAT DOES NOT BELONG TO ME IN FIRST PLACE. THEY REPORTED A COLLECTIONON MY CREDIT REPORT CALLED MY HOUSE, WORK AND NOW CALLING MY RELATIVES AND ONE CO-WORKER THREATENING TO SEND POLICE TO MY HOUSE FOR ARREST IF I DIDN'T PAY THIS COLLECTION..PLEASE HELP THIS IS REDICULOUS AND NOW I FEAR FOR MY WELL BEING AND REPUTATION IN THE SOCIETY
Company Response: Closed with explanation

Timely Response

2018-07-25

TX

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 had what I thought was a scam call from Midwest recovery systems over a year ago told me that if I didn't pay this payday loan form who knows when they were going to take me to court. I asked for proof of the loan and they told me on the phone too late for that. So I said see you in court then knowing it was a scam because I never had taken out an online loan. Didn't think anything of it intel today XXXX18 XXXX and XXXX has a collections on them from these Thief 's. So I called them on the phone XX/XX/XXXX18 and still tell me I have a payday loan for 7 year ago but wont give any details on the loan and nothing written. I cant see how a company preys off of people can get away of it.
Company Response: Closed with explanation

Timely Response

2018-07-25

Greenwood, CA

False statements or representation

Debt collection: Payday loan debt

Attempted to collect wrong amount
Complaint: I had a payday loan from an online lender, XXXX XXXX XXXX, which originated XX/XX/XXXX and went into default that same year. They wrote the debt off and it must have been sold to Midwest Recovery Systems who are now re-aging this old debt. Under California law, the statute of limitations is 4 years - this debt is over 6 years old. This company has been calling me non stop, sent me an email and have reported this debt as new debt with a start date of XX/XX/XXXX with the reporting bureaus, hence my Fico Score has taken a huge hit - they are clearly trying to re age an old uncollectible debt. I would really appreciate your help in getting this resolved. Thank you,
Company Response: Closed with explanation

Timely Response

2018-07-25

Keyport, WA

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 Midwest Recovery Systems reported a collection of {$160.00} to XXXX XXXX which resulted in a negative report on my credit report on XX/XX/XXXX. Also, the same with XXXX on XX/XX/XXXX. I have never had any communications to or from Midwest Recovery Systems, I don't know who they are representing or what debt they are trying to collect because as of XX/XX/XXXX, I had ZERO collections on my credit report. This company has NUMEROUS complaints about how it does business and the scam collections they report on peoples credit reports. This needs to stop!
Company Response: Closed with explanation

Timely Response

2018-07-25

OH

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: XX/XX/XXXX, Midwest Recovery Systems hit all 3 Credit agencies for the amount of XXXX. They are stating the original lender is XXXX XXXX XXXX. There has never been any notification sent out about this debt as well as no information verifing this debt. However now when they have the ability to automatically report non-verifiable debt causing an instant decrease in my credit scores.
Company Response: Closed with explanation

Timely Response

2018-07-24

Discovery Bay, CA

Written notification about debt

Debt collection: Payday loan debt

Didn't receive notice of right to dispute
Complaint: I received a credit monitoring alert regarding a collection for Midwest Recovery Systems in regards to a payday loan in the amount of XXXX from XXXX XXXX XXXX. I was never notified via phone, email, or mail of this debt to dispute this. This debt also is over 10 years old and the company XXXX XXXX XXXX notified me via mail this debt was forgiven over 10 years ago due to how it was obtained without my knowledge. Midwest Recovery somehow got a hold of this non-debt and is attempting to collect illegally let alone report it to the credit agencies without notifying me first. Per my XXXX report it was opened on XX/XX/18 and reported on XX/XX/18 and i got a notice from my credit monitoring on XX/XX/18. I have filed a XXXX complaint and will be contacting my lawyer once I receive notice from this company of validation of such debt and when I was notified as I was not.
Company Response: Closed with explanation

Timely Response

2018-07-24

Westerville, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-07-24

Madison, WI

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 an alert today that my credit score had changed. Upon logging into my account, I noticed that a new collection had appeared from Midwest Recovery Systems LLC. for an unpaid amount of {$210.00} from XXXX. I was never notified of debt owed and after researching this company, this appears to be an extremely common reoccurring issue. This incorrect debt is being reported to two of the three credit reporting agencies and negatively affecting my credit score. I am in the process of disputing this debt collection and recovering my credit score, however the fact that this is a known issue, a fraudulent company, and horrible business practices, makes me want to report this as soon as possible so something can actually be done to stop it.
Company Response: Closed with explanation

Timely Response

2018-07-24

Dallas, TX

Written notification about debt

Debt collection: Payday loan debt

Didn't receive enough information to verify debt
Complaint: Creditor reported debt that is outside of Texas SOL on my credit report. No written communication sent to debtor.
Company Response: Closed with explanation

Timely Response

2018-07-21

Houston, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-07-20

Houston, TX

False statements or representation

Debt collection: I do not know

Impersonated attorney, law enforcement, or government official
Company Response: Closed with explanation

Timely Response

2018-07-19

Jacksonville, FL

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

2018-07-19

Lake Charles, LA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: On Yesterday, XX/XX/2018, I updated my XXXX XXXX to see my score dropped 25 points because of a {$300.00} collection that I have no knowledge of from a company called Midwest Recovery systems. The original creditor company name is 12 XXXX XXXX. I do not know who that is nor do I have any type of contractual agreement with either company and feel this is fraudulent and predatory practices by these companies. Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Company Response: Closed with explanation

Timely Response

2018-07-19

Wesley Chapel, FL

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: Midwest Recovery Systems LLC added a collections amount of {$120.00} to my XXXX credit report on XX/XX/2018. ( No other reporting agency ). However, written notification about debt and notice of right to dispute was never received. Midwest Recovery Systems LLC placed negative item on my credit report without notifying me, which is a clear violation of the early warning notice clause of the FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Midwest Recovery Systems LLC to remove incorrect information off my credit report. More importantly, Midwest Recovery Systems LLC are in violation of the FACTA section 623 ( A ) ( 7 ).
Company Response: Closed with explanation

Timely Response

2018-07-19

Etna, OH

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2018-07-17

Etna, OH

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2018-07-17

Key Biscayne, 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 XXXX XXXXXXXX is reporting two accounts to my credit report that are not mine and I have been asking for proof that those are my account and never got them
Company Response: Closed with explanation

Timely Response

2018-07-17

Vallejo, CA

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

Timely Response

2018-07-16

Euless, TX

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
Company Response: Closed with explanation

Timely Response