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 22
2018-06-29
ME
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: I got an email from my credit card company about an alert. I checked my XXXX XXXX and it shows I have a bill in collections that does not belong to me. It's for the amount of {$290.00} dollars that it claims I owe to XXXX XXXX XXXX and that the creditor 's information is Midwest Recovery Systems, LLC. I've been researching because I'm so frustrated and don't know what to do that I came across Midwest Recovery Systems as being a fraud company! I do not need this company ruining my credit and trying to steal money from me. I never got a letter in the mail, or a phone call, it just showed up on my credit karma. I don't even live in XXXX nor have I ever been in an ambulance before! MIDWEST RECOVERY SYSTEMS is a fraudulent company and needs to be stopped! This is the information XXXX XXXX shows : Opened Unknown Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Company Response: Closed with explanation
2018-06-29
Taft, OH
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2018-06-29
FL
Took or threatened to take negative or legal action
Debt collection: Payday loan debt
Threatened to sue you for very old debt
Complaint: Midwest Recovery Systems out of Oklahoma, has contacted me by phone numerous times trying to collect a debt from XX/XX/XXXX for a payday loan I supposedly took out from XXXX XXXX XXXX I have asked Midwest Recovery each time they have called to provide a written statement with the debt information to be mailed to my current address. They refuse, argue, threaten litigation, and then finally hang up on me when I don't pay the debt over the phone. It happened again today, XX/XX/XXXX.
Earlier today, I called the number they left on my voicemail and spoke to their representative, XXXX. XXXX XXXX. After she hung up on me, I looked up Midwest Recovery Systems on the web and found numerous complaints and scam notices against them. I then called the CFPB and received instructions for filing this complaint. After speaking with the CFPB representative, I tried to call Midwest back, and now can not get an answer.
Midwest Recovery Systems seems to have very shady business practices, and too many scam alerts against them for me to ever pay them money over the phone. Especially when they do not provide any proof of my debt. They also use threats of legal action against me to try and get me to pay them over the phone.
They have called me at least 3 times in this manor over the last 6 months. I'm not even sure I actually owe this debt, and now Midwest Recovery has reported it negatively on my credit reports. How can they do that, when they refuse repeated requests by me to provide written proof?
Company Response: Closed with explanation
2018-06-28
Keyport, WA
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Complaint: A collection just showed up on my credit report. I have never taken out a pay day loan. Date opened is unknown. The collection company is Midwest Recovery Systems. I have disputed on my credit report through XXXX. I do not have anything negative on my credit report until this.
Company Response: Closed with explanation
2018-06-28
Houston, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt was paid
Company Response: Closed with explanation
2018-06-28
Rncho Domingz, CA
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Complaint: On XX/XX/XXXX I checked my credit report to see a new account listed in collections from Midwest recovery systems with account originating from " XXXX XXXX XXXX XXXX '' for the amount of {$280.00} that had been paid down recently by 12 % and is not {$250.00}. This was very suspicious because I've never even been to a XXXX XXXX XXXX store nor have I made any kind of {$30.00} payment towards a Payday loan. I checked online to see what the requirements were for application for a Payday loan and it was paystub photo id etc. So someone must have all these types of verification documents about me enough for the Payday loan company to approve the loan. Or this Midwest recovery systems company is doing something very shady and unscrupulous with my identity. What boggles my mind then most is : who what and where is the {$30.00} coming from to pay down the account?
Company Response: Closed with explanation
2018-06-27
Newark, NJ
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: I send a validation of debt on XX/XX/XXXX and Midwest recovery got it on XX/XX/XXXX.they failed to respond to my validation of debt and there was no communication at all from they part, they are violating my rights on reporting accounts thats was not 100 % veritable, because they cant provide me with any documentation of this debt, they need to remove it as soon as possible.
Company Response: Closed with explanation
2018-06-27
Columbia, SC
Written notification about debt
Debt collection: Payday loan debt
Didn't receive enough information to verify debt
Complaint: This company Midwest Recovery appeared on all three of my credit reports. I have never heard of XXXX XXXX they have them listed as the original creditor. I have written the company to validate this collection and have not received any response. This is not my account. I have never applied for a payday loan. I would like this removed from all 3 credit reports. The amount {$600.00}. They put this account on my credit on XX/XX/2017.
Company Response: Closed with explanation
2018-06-26
Newark, NJ
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: I send a validation of debt on XX/XX/XXXX and Midwest recovery got it on XX/XX/XXXX.they failed to respond to my validation of debt and there was no communication at all from they part, they are violating my rights on reporting accounts thats was not 100 % veritable, because they cant provide me with any documentation of this debt, they need to remove it as soon as possible.
Company Response: Closed with explanation
2018-06-26
Covington, GA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2018-06-25
KS
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: XXXX XXXX XXXX XXXX has posted collections entries to all 3 credit bureau '' s without aquiring proof of legitimate debt. It is also made duplicate entries on my XXXX Credit report.
Company Response: Closed with explanation
2018-06-25
Riverview, MI
Communication tactics
Debt collection: Credit card debt
Frequent or repeated calls
Company Response: Closed with explanation
2018-06-24
Toppenish, WA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Some Midwest Recovery account just showed up on my credit report. Unknown what it is. Never received any letters or calls about this.
Company Response: Closed with explanation
2018-06-23
FL
Can't contact lender or servicer
Payday loan, title loan, or personal loan: Payday loan
Complaint: This company called me in XX/XX/2018 saying I owed a payday loan in the amount of XXXX dollars which was supposed to been an electronic check with XXXX XXXX that I never even had a checking account thru went to the bank and had the lady in the office pull up my name never had a checking account they then just a saving for a car loan and the lady even called midwest and talked to XXXX and told her I have never had and a checking account they then and never owed any money to them .XXXX was very rude would not give the bank lady any information and hung up on her .I am not paying for something i don't owe and an turning this over for XXXX to be investigated along with that company.She said she sent me stuff to and address i have not lived at for over 9 years.what a scam
Company Response: Closed with explanation
2018-06-22
Newport News, VA
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: I've previously submitted a complaint to CFPB on XX/XX/18 about these alleged debts from Midwest Recovery Systems. Per their response, I would receive verification of these debts via mail. I haven't received absolutely anything from Midwest Recovery Systems regarding these alleged debts. I've requested verification of said debt accounts however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services, nor have they provided adequate proof I am not obligated to pay for these alleged debts. Under section 611 ( a ) ( 5 ) ( A ) ( i ) states that all 3 credit reporting agencies must have the original signed paperwork in their physical possession before they can report it on said credit file. Nothing was furnished to me.I demand that these accounts be removed from all three ( 3 ) reporting credit agencies please.
Company Response: Closed with explanation
2018-06-21
Gretna, LA
Communication tactics
Debt collection: Payday loan debt
Frequent or repeated calls
Company Response: Closed with explanation
2018-06-20
Church Point, LA
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: About a year ago I contacted this company about this debt. I sent written notice that this was not mind I have document this debt was removed. As of two months ago this company has placed this false debt back on me. I do not have a contract with this company, have not gone to any hospital any two months ago, false debt.
Company Response: Closed with explanation
2018-06-20
Houston, TX
False statements or representation
Debt collection: Medical debt
Attempted to collect wrong amount
Complaint: I was unaware of this collection on my credit until I checked my credit score one day and it was dropped a lot. I looked at my credit report and saw the account on there. I did not know who they were or what they were collecting for. I gave them a call and they told me what it was for and I have not been to XXXX XXXX XXXX. I have never even heard of XXXX XXXX. I would like to dispute this because this is not my debt.
Company Response: Closed with explanation
2018-06-18
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with explanation
2018-06-18
Tyler, TX
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Closed with explanation
2018-06-18
Mc Allen, TX
Written notification about debt
Debt collection: Payday loan debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-06-18
Winterville, NC
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: On XX/XX/2018 Midwest Recovery System put a collection account on my credit file for {$250.00} from a check into cash. Wow, this is the first I am hearing or seeing about this. When I never borrowed money from this company. So, I going to go through the proper channels and dispute this debt and ask for validation from Midwest Recovery System. Due to your erroneous reporting to the Credit Bureaus, the negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursant to the Fair Debt Collection Practice 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 Complete accounting ledger of said charges 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 judgement if applicable Identify the original creditor Prove the statue 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 service At this time I will also inform you that if your offices have reported invalidated information any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this, 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 office 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 detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit repository that could be inaccurate or invalidated or verifying an 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, 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 copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX, XXXX, and 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 office 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 through CFPB. 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, any information obtained shall be used for that purpose. Best Regrds XXXX XXXX
Company Response: Closed with explanation
2018-06-16
Chula Vista, CA
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt was paid
Complaint: I took out a payday loan in XXXX of an amount of {$520.00} from XXXX XXXX XXXX XXXX. I paid back the full amount due. On XX/XX/XXXX I received an email from XXXX XXXX XXXX XXXX stating they received my payment of {$520.00}. Then 5 yrs later in XXXX I have been getting letters and phone calls from XXXX XXXX XXXX XXXX for an outstanding balance from XXXX XXXX XXXX XXXX of {$520.00}. I have responded with emails showing the email that I received from when I made the payment of {$520.00}. They sent me into collections and I'm in the process of purchasing a home and this collection is hurting my credit score. I am asking for XXXX XXXX XXXX XXXX and Midwest Recovery Systems to close this debt that is no longer due.
Company Response: Closed with explanation
2018-06-15
Scottsdale, AZ
False statements or representation
Debt collection: I do not know
Indicated you were committing crime by not paying debt
Complaint: XX/XX/XXXX I received a call from Midwest Recovery Services stating I owed a debt for a supposed payday loan taken out in XX/XX/XXXX. They stated that I owed {$600.00} to XXXX XXXX XXXX XXXX and that I gave them permission to take an ACH from a XXXX XXXX account ( which I've never had ) and that it was insufficient funds. When I asked them to send me documentation regarding this debt -since I'd never taken out a payday loan or had a XXXX XXXX account, they hung up on me. I called them back and spoke with a XXXX XXXX and she stated that they are just a mediator and do not have access to that information. I explained that the address they had for me was not mine and that I never had a XXXX XXXX account nor taken out a payday loan and she threatened to send it to the Attorney General for prosecution and that once they do that I would have access to this documentation and then hung up on me again. I did some research online and discovered that they do this to a lot of people and say the same thing and these people also have never taken out a payday loan. This company needs to be stopped. They are ruining peoples credit with fraudulent information.
Company Response: Closed with explanation
2018-06-15
Akron, OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Public record information inaccurate
Complaint: Midwest Recovery Services, are representing " XXXX XXXX XXXX, and they are putting Short Term Loans Accounts, as Medical/Health Accounts, on Credit Reports. '' I tried to call them and got an agent on the line, and our conversation turned into an argument.
Company Response: Closed with explanation