Midwest Recovery Systems

2018-04-18

NY

Incorrect information on your report

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

Information belongs to someone else
Complaint: I pulled my credit report and came to found a Collection account Whit the name of mid west recovery I have tried talking to them but not getting response I have send my dispute for the bureau and nothing I have also noticed lots of inquiries on my as recant as yesterday which is not mine Please help me get my credit back on track
Company Response: Closed with explanation

Timely Response

2018-04-17

Toppenish, WA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-04-17

Santa Ysabel, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: A collection agency that I never heard of started to show up on my credit report for a debt that is not mine.
Company Response: Closed with explanation

Timely Response

2018-04-15

Okc, OK

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: this account was disputed asking to verify debt was mine they were asked to provide a document that bears my signature and bears amount owed or agreed upon, the were aslo notified that an Itemize statement does not provide proof as per FTC opinion letter : and FDCPA section 807-8 and section 623-b XXXX also notified of dispute and was requested to respond with documentation that bears my signature as proof this is my account upon the investigation, that i dont consent to third party or XXXX verification, that the must contact the collection or original creditor, to provided documentation bearing signature and forward to me upon completion of there investigation, Per FTC XXXX was notified the same as XXXX. FCRA section 611 ( a ) ( 1 ) ( a )
Company Response: Closed with explanation

Timely Response

2018-04-12

Austin, TX

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: XX/XX/2017 I was hospitalized due to old military XXXX XXXX issues I was un aware va would not cover the hospital visits I have tried to work with the company and the va and I just am going threw medical issues and financial Hardship at this time and can not pay.
Company Response: Closed with explanation

Timely Response

2018-04-12

Newnan, GA

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2018-04-11

Farmingtn Hls, MI

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

2018-04-11

San Luis Obispo, CA

Written notification about debt

Debt collection: Payday loan debt

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

Timely Response

2018-04-10

GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I recently received a notice alert from the credit bureaus that a collection was added to my credit report. I called Midwest Recovery and they informed me it was for a repossessed car, the issue is i have never had a vehicle repossessed or a collection before. They informed me that this was from a loan with XXXX opened on XX/XX/XXXX and closed XX/XX/XXXX, a few issues with this 1. Never mine and this was a result of ID theft i have attached the FTC affidavit and Police report 2. This was reported to credit but i was never given a notice or dunning letter to dispute before placing on credit. 3. If this debt is in fact a valid debt this is past statute of limitations of 6 years from last payment date again making not a valid account for collections.
Company Response: Closed with explanation

Timely Response

2018-04-09

Pinellas Park, FL

Incorrect information on your report

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

Personal information incorrect
Complaint: Wrong year 1976 its incorrect theres incorrect addresses, theres incorrect information being reported by third party creditors who I dont own
Company Response: Closed with explanation

Timely Response

2018-04-09

Atl, GA

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2018-04-09

Columbia, SC

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: Hello, I have attempted to contact Midwest Recovery Systems ( located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX ) twice but the company has refused to respond. This company has reported a negative collection account for {$610.00} to all three bureaus. I have no knowledge of this debt or the company and I certainly did not sign any agreements with them. Prior to the appearance of this debt on my credit reports, Midwest Recovery never contacted me or sent a notice of my right to dispute. The company did not send any documents to me, simply placed an inquiry and reported a negative collection account. I last attempted to dispute this debt directly with this company by requesting a debt validation via certified mail and the company received it in their office on XX/XX/2018. To date, I have not received any correspondence from their office and I have given this company ample time to respond to multiple requests asking for validation of this debt. In this case, I would like for this company to delete the and cease reporting.
Company Response: Closed with explanation

Timely Response

2018-04-07

Discovery Bay, CA

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: On XX/XX/2018, I submitted a complaint with your company regarding MIDWEST RECOVERY SYSTEMS. The company is in VIOLATION because they are still reporting COLLECTION activity on my credit file. ( please see page 1 of evidence ).
Company Response: Closed with explanation

Timely Response

2018-04-06

Houston, TX

Written notification about debt

Debt collection: Payday loan debt

Didn't receive notice of right to dispute
Complaint: Collection account placed on credit report XX/XX/18. Never received dunning letter or any correspondence regarding the alleged debt
Company Response: Closed with explanation

Timely Response

2018-04-05

Denver, CO

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-04-04

Fort Worth, 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

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: On XX/XX/2018 Midwest Recovery Systems reported a debt of {$450.00} to my credit report. I do not nor have I ever held any account with said company. This company did not notify me in writing of any debt that I have with them Furthermore, this company is not licensed to collect in the state of Texas.
Company Response: Closed with explanation

Timely Response

2018-04-04

Fort Worth, 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

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: On XX/XX/2018Midwest Recovery Systems reported a debt of {$450.00} to my credit report. I do not nor have I ever held any account with said company. This company did not notify me in writing of any debt that I have with them Furthermore, this company is not licensed to collect in the state of Texas.
Company Response: Closed with explanation

Timely Response

2018-04-04

Brentwood, TN

Incorrect information on your report

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

Information belongs to someone else
Complaint: This account is not mine. This company is in violation of FCRA by reporting false information. I have never heard of this company and have never done business with them. I have not received a dunning letter before attempting to start collection practices. I will also be contacting my state 's attorney generals office in regards to this erroneous reporting and this company business practices as well. Midwest Recovery VIOLATED my rights under FDCPA rules by NOT NOTIFYING me of this attempt to collect a debt. They have until the end of next week to remove the erroneous reporting off the three major credit bureaus or I will file a lawsuit. I have send my attorney a copy of the this complaint as well. Please give this the immediate attention it deserves.
Company Response: Closed with explanation

Timely Response

2018-04-02

Magnolia, TX

Written notification about debt

Debt collection: Payday loan debt

Didn't receive notice of right to dispute
Complaint: On XX/XX/18 I checked my credit monitoring app and seen I had a new collection on my reports from a XXXX XXXX XXXX XXXX. I have NO knowledge of who this company is and the claimed debt of {$400.00} that is stated to be owed on my report. I have disputed this debt with XXXX. I have never been contacted by this company at all. I feel victimized and that it is a violation to maliciously place invalid, unverified, and unannounced accounts on consumer credit reports.
Company Response: Closed with explanation

Timely Response

2018-04-02

Vallejo, CA

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2018-04-01

Springfield, MO

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt was paid
Complaint: I was notified by several.of my credit monitoring services trusted is .XXXX XXXX..XXXX XXXX. That a new negative account.was added to my credit. On XX/XX/XXXX. Upon.checking.the alert I found XXXX XXXX XXXX XXXX had placed a debt for. {$700.00} original debtor XXXX XXXX or XXXX XXXX their.one.in.the same as a collection.account that was placed with XXXX XXXX XXXX on XX/XX/XXXX. Upon.calling them mid West inquiring on.this.it.was revealed that they were trying.to.collect a.paid.debt. this.debt was.already paid.thru XXXX XXXX debt collection back.in.XX/XX/XXXX it was paid.in.full.an.I.did.that just to.get it.off.my.credit as I.did.not.make.that debt as I.am.in.process.of.purchasing.a.home. I.contact mid West an they said.to send them.email ofnoroff.of.payment to.XXXX which I.did an they have not deleted the frivolous claim.they put.in my.credit.why are they able.to attempt.to.collect.a.paid.debt where do.they get the.info.of.these debts an is there not.a.system.in.place to.reflect they are paid.I feel after lengthy online.investigation that mid West among other are fraudulently.trying.to.collect any debts paid.or.not.an.no.paying.the debt or the right.s to.collect. it has damaged.my credit.49 points my credit worthiness an.deflation of.my.character I.want this.removed from.all three bureaus.an.any other.credit bureaus that collect.or.log.ie XXXX XXXX etc.an.my score.out.back.to.where it.was.I.just got.a gold we I have worked very hard to.achieve good.credit XXXX to have it wrongfully.ruined. I.am.already victim of 4 different data breaches An I.do n't have time.to.not.should.I.have to.worry about this.an.undue.distress.an potential inability now.as underwriting.will.pull a.report an.see this timing.is.not.on my.side.. XXXX XXXX XXXX MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX This is the company trying.to.collect a paid debt This.is.the company I paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. Ks XXXX XXXX File # with XXXX XXXX XXXX An on my paid receipt XXXX XXXX showed a XXXX XXXX XXXX dept XXXX XXXX..al XXXX An XXXX XXXX agreed if.I paid.it.in full when I.called in it they would delete remove it.from my.bureaus an.u.would.have to.wait 30 days to.do it an they did.not.have it.done.in that time an I.called them.again.an. basically was told to.wait.30 to.45 days an not.to.dispute or.it. would have to.start the time.wait over again. after 45 days I.disputed.a. still had to.re dispute as the verified as a accurate debt an left.it.paid.collections.I.called XXXX XXXX again an.using threat of.taking them.to.court they finally 39.additinalndays later removed it.after I.disputed it.a.second.time.. I am.seeing.damages for.the slander.and.deflamatiim of.my an.credit.worthiness.an.character. an.I.want the agencies to.be fined.for.their. faults.I.believe their.XXXX a pop for attempting.to.collect.a.paid.debt Dilute.to.notify me.at all.of.their attempt to collect. or.5 day notice to.place in.my credit my address is.currently report Collecting.a debt when they are.not.even.in the county.the debt originated. Throw the book.at them.an.please get.this.off.my.credit. You can.reach me.at XXXX XXXX XXXX XXXX. If.prompted I.will.upload.proof.of payment an the other info.I.have .respectfully.
Company Response: Closed with explanation

Timely Response

2018-04-01

LA

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Complaint: Midwest Recovery Systems is attempting to collect on a debt that I had already paid in full in XXXX of 2017. And I have received harrassing phone calls saying that they were going to report to the credit bureau or serve me. Please see attached receipt of when it was paid in full
Company Response: Closed with explanation

Timely Response

2018-03-31

Dallas, 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

2018-03-31

Dallas, TX

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

2018-03-30

Beaumont, TX

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response