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 24
2018-05-25
FL
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt was paid
Complaint: Hello CFPB : My name is XXXX XXXX I am writing for advice on what I can do about a payday loan collection that I paid off. At least 5 yrs ago I had defaulted on an online payday loan from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. ( XXXX ) XXXX. I had paid one of the two acct off {$180.00} before the acct was transferred to a collection company named XXXX. My balance was {$710.00} which I had later paid off by XX/XX/2013. My last interaction with XXXX they tried to double dip for my last payment. Never heard from them again and cant get in touch for proof of paid debt bc no call back. My number is still the same XXXX and my address had been the same for at least 3yrs afterwards. Fast forward and I get a post to my credit report that I owe a collection acct totaling XXXX dollars to Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX ( XXXX ) XXXX or ( XXXX ) XXXX. They have my phone number, billing address, and job info but have never sent any paperwork or proof that I owe on this acct. Come to find out that this was probably an illegal transaction to begin with from XXXX XXXX. Now they are trying to double charge me.
Company Response: Closed with explanation
2018-05-25
Moapa, NV
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Midwest recovery systems has placed a collection account on my XXXX and XXXX credit reports as of XX/XX/XXXX. The account was listed on the credit bureaus lacking sufficient information, which only shows a balance and lacks an account number, the type of debt or an origination date other than the date of collection ofXX/XX/XXXX. The debt does not belong to me. Midwest recovery systems not provided me with proof showing the debt belongs to me which would include a contract showing signatures or proof that any monies have been provided to me. They have only begun attempts to contact me. I have received calls XX/XX/XXXX at XXXX and XX/XX/XXXX XXXX. The attempts to contact me have been outside of legal times to make contact. I am currently in the process of purchasing a home and the company has caused my XXXX credit score to drop 78 points from XXXX to XXXX, and my XXXX score to drop 69 points from XXXX to XXXX. The incorrect reporting has caused me to no longer be eligible for home financing programs and the loss of a down payment grant on a new home. I will begin taking legal action against Midwest recovery systems by seeking damages for the losses that I have experienced in regards to the collection placed on my credit files unless these items are removed from each credit file.
Company Response: Closed with explanation
2018-05-25
Arcola, VA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2018-05-25
Sylvester, GA
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: After reviewing my credit reports, I noticed an unfamiliar account listed from Midwest Recovery Systems for {$90.00} in or around XX/XX/2018. I have never received any written correspondence or documentation from this company in reference to this debt. I have never received notice of right this dispute. I didnt receive any information to verify debt. Also, I have never received any services from this company, nor have I signed any form of agreement binding me to any monetary/financial obligations owed to this company.
Company Response: Closed with explanation
2018-05-24
South Florida, FL
False statements or representation
Debt collection: Payday loan debt
Attempted to collect wrong amount
Complaint: I looked into XXXX XXXX and noticed a deragotory comment on my credit file from midwest recovery. they claim I took a webloan from XXXXXXXX XXXX XXXX for XXXX I have never used any company to take a payday loan or any type of web loans in my life i called them to remove this immediately since I am buying a home they told me 60-90 days I said unacceptable since I should not have this in my report and its there error.
Company Response: Closed with explanation
2018-05-24
Washington, DC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I don't know this account.
All it says is that it's a 'bank account OR card opened up with my social security # ( the alert showed on my XXXX , apparently it was reported to XXXX ) and name.
I have only one bank account at XXXX XXXX XXXX so any other cards or accounts opened up after in/after 2011 are fraudulent.
This company reported XXXX to my credit score.
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor 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, Show they are licensed to collect in my state ; and their license numbers and Registered Agent. If your they fail to reply to this debt validation within 30 days from the date of the eceipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Company Response: Closed with explanation
2018-05-24
Euclid, OH
Fraud or scam
Credit reporting, credit repair services, or other personal consumer reports: Credit repair services
Complaint: Midwest Recovery Systems just slapped a fictional, new debt on my credit. This is so infuriating! There is no reason to believe this is a legit debt, because I've been insured for 5 years and this is a supposed medical debt. They have an awful rating with the XXXX and multiple consumer reports. Plus, in accordance with Ohio law, I am entitled to correspondence from a debt collector before anything is reported on my credit. I did not get a phone call, a letter, nothing. I'm currently going through this with 2 of these scam companies. Oddly, this happened 3 days after my XXXX credit line was massively increased and reported to my credit.
Company Response: Closed with explanation
2018-05-24
Beaver Creek, OH
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Closed with explanation
2018-05-22
Beaumont, CA
Written notification about debt
Debt collection: Payday loan debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2018-05-21
Hampton, VA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: This company, which I hold no contract with nor have received services from, reported a collection account found on my credit reports from XXXX XXXX XXXX for the amount of $ XXXX. I've contacted the debt agency on XX/XX/XXXX, for more information regarding this debt and was repeatedly transferred to a representative 's voicemail ; in which absolutely none of my voicemail messages were returned. This debt was fraudulently placed on my report without my consent. I've requested verification of said debt account 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 this alleged debt. 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.
Company Response: Closed with explanation
2018-05-19
VA
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Company Response: Closed with explanation
2018-05-18
Sacramento, CA
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: XXXX XXXX XXXX XXXX was the original creditor for a pay day loan i had in XX/XX/XXXX, the new owner of this zombie debt MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, re-aged this debt to XX/XX/XXXX. In an attempt to keep this debt alive and on my credit report.
Company Response: Closed with explanation
2018-05-16
Edgecliff Village, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt was paid
Complaint: I did some research starting with the original creditor XXXX XXXX XXXX. They stated that they have never provided this account for collection with XXXX XXXX or Midwest Recovery Systems.
I have spoken with a representative from each of the following collection companies regarding the account status and when it was sold to the next collection company. During my research, I did not find any evidence that this account was ever sold/sent/provided to Midwest Recovery Systems. Midwest Recovery Systems is committing fraud reporting a debt that they dont legally own.
Please see the below chain of events for the selling of my account and proof that it was never sold/provided/sent to Midwest Recovery Solutions.
XXXX XXXXXXXX XXXX sold this account to XXXX XXXX XXXX in XXXX.
XXXX XXXX XXXX sold this account in XXXX to XXXX XXXX XXXX.
XXXX XXXX XXXX sold this account to XXXX XXXX in XXXX.
XXXX XXXX still has this account in their office and has never sold it to anyone. They stated they have never sold to Midwest Recovery or anyone else. This account has been in their office since XXXX. XXXX XXXX is the company that legally owns this debt and no one else.
I just find it strange that Midwest Recovery has a debt for me and no one has indicated that they ever legally sold Midwest Recovery this account.
As you can see I have done an extensive amount of research into this matter and I have concluded that Midwest Recovery has obtained my information illegally and is provide false - information about their rights of ownership to this debt. They are violating my FCRA rights by reporting a debt that they do not own and cant prove that they legally own the rights to collect on this account. There is no paper trail that ties Midwest Recovery or XXXX XXXX to my debt from XXXX with the XXXX XXXX.
Company Response: Closed with explanation
2018-05-16
Beyersville, TX
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Closed with explanation
2018-05-15
Tallahassee, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Closed with explanation
2018-05-15
Farmingtn Hls, MI
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2018-05-14
Liverpool, TX
False statements or representation
Debt collection: Payday loan debt
Told you not to respond to a lawsuit they filed against you
Complaint: I took out a payday loan around 5 years ago that I had every intention of paying back. I was not at the time able to do so and it was sent to collections. The collections company Midwest Recovery has called myself and my family stating I had a pending suit or that charges would be filed against me if I didn't return their call. I've also had them leave voicemails stating they were from a government office. In addition to this they are reporting on my credit that this account is only 6 months old when in fact it is around 5 years old. I don't feel that any of this behavior is acceptable or trustworthy.
Company Response: Closed with explanation
2018-05-14
Vaughn, MT
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Company Response: Closed with explanation
2018-05-14
Doddridge, AR
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Complaint: I got a notice on my XXXX XXXX file of a decrease in my credit score today on XX/XX/XXXX. I logged in and see that there is a company called Midwest Recovery Systems that has placed 2 medical collection accounts on my credit report with dates of service and date of first delinquency in XXXX. I have never received any information about either of these debts. I do not recognize them and do not believe they are mine. They are listed as {$460.00} and {$710.00} dollars on my XXXX and XXXX reports from a hospital. Under type of debt it is blank. These debts are not mine, and I have never received any information pertaining to these debts and have not been given the opportunity to dispute them.
Thank you.
The creditor information listed is : MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Company Response: Closed with explanation
2018-05-12
TX
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Complaint: XX/XX/2017 I went to a hospital in XXXX, Tx. Medicaid Insurance covered the bill. Since then I have had no medical bills sent to me and Medicaid said they paid the full bill amount and all of the medical billing were suppose to go to Medicaid. But I got a fraud collections account posted on my credit from Midwest Recovery systems saying I owe it {$480.00}. I have experienced this collections fraud before over a medical bill. I don't think credit monitoring is a secure site to have knowledge of people 's identity.
Company Response: Closed with explanation
2018-05-11
Brooklyn, NY
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt was result of identity theft
Complaint: I am a victim of identity theft. Today my credit monitoring service alerted me to a collection account that was just added to my credit profile. The collection account is : Midwest Recovery Systems which is a debt collector collection a debt for the original creditor " XXXX XXXX XXXX ''.
I have never done business with XXXX XXXX XXXX or heard of XXXX XXXX XXXX. A quick look at my credit report shows zero late payments for any accounts and only one negative account which is this collection account.
Several years ago my office was broken into and several identity documents were stolen. Included was my driver 's license, my passport and my social security number. I filled a report with my building 's security and then later after my identity was stolen I hired an attorney who had my file a police report. Several bank accounts, credit accounts and even a penthouse apartment lease was executed in my name without my knowledge. All of these accounts have been investigated and removed from my files after outside investigations.
I have attached a copy of the affidavit of identity theft affidavit and the police report. I have also attached copies of letters from XXXX XXXX XXXX regarding bank accounts opened in my name fraudulently and a letter from an apartment complex where someone had executed a lease in my name without my knowledge, approval or authorization to back up my identity theft claim. All of these documents have contact information on them if any party needs to verify any of the information.
This debt collector and original creditor may only contact me in writing either through the CFPB portal or through the mail. This debt collector and the original creditor may not contact me over the phone, all communication must be in writing.
Company Response: Closed with explanation
2018-05-10
Orion Twp, MI
Written notification about debt
Debt collection: Payday loan debt
Didn't receive enough information to verify debt
Complaint: This " XXXX XXXX XXXX '' payday loan originated in XX/XX/XXXX. The supposed current balance is {$1400.00}. The statute of limitations in Michigan is 6 years. In addition, the interest is far beyond what Michigan allows for pay day loans. For over 5 years, I never received any correspondence for this account, nor any calls. This items popped up on my credit report out of the blue over 5 years later in XX/XX/XXXX. I don't feel this is right and given the timing and criminal interest, feel this item should be removed from all 3 of my credit reports. XXXX just denied my request to do so. Please help.
Company Response: Closed with explanation
2018-05-10
Tarzana, CA
Incorrect information on your report
Payday loan, title loan, or personal loan: Payday loan
Account information incorrect
Complaint: Mid west recovery systems claims this loan was opened XX/XX/2017 but its actually a lot older then that. So old I forgot when I opened that pay day loan. I was never contacted in an attempt to collect the debt owed because if I was I would have paid it.
Company Response: Closed with explanation
2018-05-10
Ch Hgts, SC
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Closed with explanation
2018-05-10
Bradley International, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation