Midwest Recovery Systems

2018-03-17

New Market, AL

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

2018-03-17

Pomona, CA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-03-16

Lewisville, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: A couple of years ago a mysterious debt to some medical group in Oklahoma showed up on my credit report. After much harassment by phone and mail I filed suit in my local court and the company/collector agreed to take the item off my credit report. Now, a new collector is trying to collect the same debt that has already been removed from my credit report twice. This is clearly a scam.
Company Response: Closed with explanation

Timely Response

2018-03-15

Cele, TX

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

2018-03-14

Saint Clair, MO

Incorrect information on your report

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

Information belongs to someone else
Complaint: I never received any correspondence by mail or email about such debt. I am entitled to be notified prior to placing anything on my credit report. I am unaware of such debt and I was unable to request validation of debt of such debt prior to reporting on my credit report which is required by law if I choose to do so. Unfortunately, I was not given that option. MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/18 Dear MIDWEST RECOVERY SYSTEMS XXXX : XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit from Midwest Recovery Systems. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Sincerely, XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-03-14

San Antonio, TX

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-03-13

Taft, OH

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I have been a victim of identity theft. Midwest Recovery Systems has reported an account on my credit reports that do not belong to me for the amount of {$190.00}. This does not belong to me. I was never contacted by this company about this and I have no knowledge of it.
Company Response: Closed with explanation

Timely Response

2018-03-12

Fairburn, GA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-03-12

Taft, OH

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Complaint: While in process of obtaining a mortgage found that mid west recovery had place a medical collection on my credit report XX/XX/17. I then reached out to them to get more information person on other end started yelling about me not paying my debts. I filed a dispute but that didn't help. I got no notification of this debt before it was placed on my credit report and to this day still nothing. I just want to get issue resolved so that I can purchase my first home
Company Response: Closed with explanation

Timely Response

2018-03-11

Blackbird, DE

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: When checking my credit reports I noticed that this Midwest Recovery System is reporting that I owe a debt in the amount of {$390.00}. The original creditor shows as company by the name of XXXX XXXX XXXX XXXX and I have no idea who either of these companies are and have never taken out a payday loan with the company XXXX XXXX XXXXXXXX. I have searched both companies and have discovered several complaints, accusations of fraud and lawsuits. I have never been notified of this so called owed debt ; by phone or mail. This account just showed up on all three of my credit reports without any notice or opportunity to challenge the validity of the account. Both companies appear to have a history of shady business practice and refuse to fall victim to whatever scam is being ran. This account needs to be deleted from all three credit bureaus. This is not my account and I am not sure how this company obtained my information but they need to lose it and remove this account from my credit reports ASAP. If the account is not removed for all three credit bureaus I will have no choice but to seek legal advice and take legal action
Company Response: Closed with explanation

Timely Response

2018-03-11

Ft Wayne, IN

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt was result of identity theft
Complaint: On XX/XX/2017, Midwest Recovery Systems, LLC put a debt on all 3 of my credit reports for {$820.00}. The original creditor was XXXX XXXX XXXX. I have never received a loan from this company or any documentation that Midwest Recovery Systems, LLC has the right to collect the debt. About 4 or 5 years ago, my cell phone was stolen and personal bank account information was compromised.
Company Response: Closed with explanation

Timely Response

2018-03-10

Discovery Bay, CA

Written notification about debt

Debt collection: Payday loan debt

Didn't receive notice of right to dispute
Complaint: On XX/XX/2018, I pulled my credit report and noticed that their was two collection accounts from Midwest Recovery Systems for XXXX XXXX XXXX and XXXX 1. I was never notified by this company regarding these accounts. On XX/XX/2018, I sent a Cease and Desist letter by certified mail to Midwest Recovery Systems. To date, Midwest Recovery Systems is still reporting collection activity. This is a violation of the FCRA and FDCPA. Please see attached evidence.
Company Response: Closed with explanation

Timely Response

2018-03-10

Houston, 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

2018-03-09

Pflugerville, 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

Their investigation did not fix an error on your report
Complaint: XXXX HAS MERGED MY CREDIT REPORT WITH ANOTHER SOCIAL SECURITY NUMBER THAT IS NOT MINE I LEARNED OF THIS WHEN MY CREDIT WAS PULLED BY A MORTGAGE LENDER I HAVE CONTACTED XXXX AND THEY DENY THIS BUT I HAVE THE REPORT THAT SHOWS. THEY WONT DO ANYTHING ABOUT IT AND ITS HURTING MY CREDIT STANDING AND SCORE. MIDWEST RECOVERY HAS ASKED FOR XXXX TO REMOVE THE COLLECTION THE ONLY COLLECTION ACTUALLY REFLECTING UNDER MY SOCIAL ON MY REPORT FROM IT BECAUSE IT WAS A FRAUD ACCOUNT AND THEY HAVE FAILED TO DO SO.MIDWEST RECOVERY REQUESTED THE REMOVAL IN JXX/XX/2018. THEY SENT A SECOND REMOVAL REQUEST THEY HAVE STILL FAILED TO REMOVE IT. I HAVE ALSO DISPUTED A AUTO ACCOUNT THATS REPORTING INACCURATE INFORMATION ON ALL THE BUREA XXXX XXXX XXXX XXXX HAS NOT REMOVED THE ACCOUNT FROM MY REPORT.
Company Response: Closed with explanation

Timely Response

2018-03-09

Houston, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Complaint: I try calling no one has gotten back with me I disputed it over and over. They trying to charge me for something that I have no knowledge of.
Company Response: Closed with explanation

Timely Response

2018-03-07

Roseville, MI

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2018-03-06

Plymouth, FL

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: This debt for XXXX XXXX was removed from my credit report in on or about XX/XX/XXXX when it was originally disputed with all 3 credit bureaus. This account was Closed per Florida XXXX and XXXX in XX/XX/XXXX. XXXX from XXXX Hospital confirmed this on XX/XX/XXXX. XXXX from XXXX, phone number XXXX confirmed the account was closed and No further attempts to collect on this debt would occur. As of XX/XX/XXXX, I received an alert per my credit monitoring indicating that XXXX XXXX XXXX XXXX has reinserted this account on my credit report as of XX/XX/XXXX, and is in violation of FRCA as this account is closed. No further efforts to pursue this account are legal.
Company Response: Closed with explanation

Timely Response

2018-03-05

New Albany, IN

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

2018-03-03

Vacaville, CA

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-03-03

Cartersville, SC

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 information on my credit file for an amount of {$300.00}. I have never had a loan with this company and reported it as fraud 6 years ago. This debt has reappeared on my file without notice or reason especially since the statute of limitations for alleged debt has exceeded
Company Response: Closed with explanation

Timely Response

2018-03-02

Cedar Park, TX

Incorrect information on your report

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

Account information incorrect
Complaint: I am in the process of applying for a mortgage. A brand new negative entry for a collection account from Midwest Recovery ( orig creditor XXXX, {$2900.00}, XXXX ) has recently been added to my XXXX and XXXX credit reports, approximately 2 weeks after the mortgage application. I have never had an account with XXXX. I have never been contacted by XXXX nor Midwest Recovery, no phone calls, no mail, no emails. This means I've had no recourse to dispute validity directly with them, and so it appears to be in violation of the FCRA. Unfortunately I have no documentation to send with this complaint, because I've never been provided with any information on this account.
Company Response: Closed with explanation

Timely Response

2018-03-01

Morris, AL

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Complaint: On XX/XX/XXXX a debt from XXXX being handled by XXXX XXXX was added to my credit report. I disputed it with all three credit companies. They were told it was verified by XXXX XXXX. They suggested I contact XXXX XXXX. I did contact them and was given no specific details. They couldn't even give the amount of original loan. They could not provide me with the address of XXXX. All they could provide was the total amount due with no explanation of details. This is a company I have no knowledge of. I was in the XXXX a lot in XXXX when this loan supposedly was taken with XXXX XXXX that I would not have been able to even apply for an online loan. My former XXXX email was used is what they told me. I haven't used that email in years.
Company Response: Closed with explanation

Timely Response

2018-02-28

Houston, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: The account name is Midwest Recovery and Original Creditor is XXXX XXXX XXXX. This charge is NOT mine and has mysteriously placed on my XXXX credit report. I have demanded that this company provide me with a copy of a signed agreement and video of me at their location. It seems to me that payday loans are targeting consumers who do not look at their credit report regularly ; I do.
Company Response: Closed with explanation

Timely Response

2018-02-28

Tallahassee, FL

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/XXXX, I received a notification email from XXXX XXXX indicating a debt was added to my XXXX credit report from Midwest Recovery Systems. I have NEVER received any correspondence for this debt nor did I know the debt existed or who the creditor is for the debt. I was never given a chance to dispute, negotiate or pay the debt yet said debt has been reported as collections. My home address has not changed and not one piece of mail has been received or one phone call about this debt existing. Debt collectors, by law, have to notify debtors about existing debt and give them a chance to take care of the debt, or dispute it before reporting to credit bureaus. Midwest Recovery Systems reported this debt on XX/XX/XXXX and this is a violation of 15 USC 1692g 809.Validation of debts.
Company Response: Closed with explanation

Timely Response

2018-02-28

Oxford, GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX and XXXX and XXXX are reporting an account on my credit file that is not mine. I have never applied for any loans or any sort with this company. And due to this has caused my credit score to decrease and show negativity on my credit report. I know nothing about this company. However I have XXXX the company since learning of it being on my credit report and they are on a scam list. I have never ever applied for anything with them and would like to know how my information was provided to them to create such a scam. The company name is MIDWEST RECOVERY SYSTEMS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX This company is representing for another scam company :XXXX XXXX /XXXX I obtained all the above information from my XXXX credit report. The company claims that I owe {$1100.00} I OWE THEM NOTHING!!!!!! CAUSE I HAVE NEVER EVER APPLIED FOR FOR ANYTHING WITH THIS COMPANY. I AM PRAYING FOR RELIEF FROM THIS SCAM. Along with this I am also seeking legal help has well.
Company Response: Closed with explanation

Timely Response