Midwest Recovery Systems

2019-10-22

Blackbird, DE

Received a loan you didn't apply for

Payday loan, title loan, or personal loan: Payday loan

Company Response: Closed with explanation

Timely Response

2019-10-22

Bakersfield, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2019-10-19

NE

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-18

Scottsdale, AZ

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

2019-10-17

Ashland, OH

False statements or representation

Debt collection: Payday loan debt

Indicated you were committing crime by not paying debt
Company Response: Closed with explanation

Timely Response

2019-10-16

Norfolk, VA

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2019-10-14

GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I do not owe this bill. Someone opened this account. wallet and id stolen 2016. I informed the agency to remove this off my credit. which the have never sent me a letter or anything of the source.
Company Response: Closed with explanation

Timely Response

2019-10-13

Beyersville, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: This company Midwest Recovery is trying to collect {$1300.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Midwest Recovery with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Midwest Recovery. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Midwest Recovery. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Company Response: Closed with explanation

Timely Response

2019-10-11

Fenton, MI

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2019-10-10

Taylor, MI

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2019-10-07

Cloverleaf, 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

2019-10-07

Hamburg, NY

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX Email : XXXX Complaint/Dispute Department XXXX XXXX Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX XXXX Dispute XXXX. XXXX XXXX XXXX, TX XXXX XXXX dispute tips XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX RE : Dispute on Credit Report and Score ( collection item ) Dear Sir or Madam : I recently obtained a copy of my credit report from your agency and XXXX XXXX and found the following item to be in error showing a collection item on my credit report from Midwest Recovery SYS c/o XXXX XXXX Hospital AKA XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX at XXXX the Collection Agency claiming I owed over {$600.00} to XXXX XXXX Hospital AKA XXXX XXXX. This was fraud on the part of the collection agency. When I called the hospital XXXX XXXX AKA XXXX XXXX and was told me all the bills were paid in full from my insurance ( XXXX and XXXX ) with the exception of an {$80.00} co-pay the only outstanding item and had not been billed yet. ( Please see email from XXXX XXXX, Supervisor dated XXXX, XXXX XXXX ). Showing account is paid in full. So I paid it anyway even though. I was out of the country in XX/XX/XXXX ( the date the date they stated the bill was generated ). This Does Not Make Sense. I paid the {$80.00} anyway to make sure I had no issues with my credit report. As Im applying for a mortgage ( see invoice marked paid ). Lets not forget to mention Midwest Recover SYS, has been REVOKED AND HAS AN F rating with the XXXX XXXX XXXX ( see report enclosed ). For scamming people. This is the worst rating any business could get and should be shut down. DISPUTE II My report shows a hard enquiry from what I found out was XXXX XXXX. I have never applied with this company at any time. 1. I dispute any report from the collection agency and request my present credit score be restored based on payment history in totality. As this is not accurate on my credit report. 2. I am requesting that all items and score be ( updated ), and remove the erroneous reporting and reflect an accurate profile and my credit score. XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : XXXX XXXX Attorney at Law New York State Attorney General
Company Response: Closed with explanation

Timely Response

2019-10-07

Hamburg, NY

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX Email : XXXX Complaint/Dispute Department XXXX XXXX XXXX Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX Dispute XXXX. XXXX XXXX XXXX, TX XXXX XXXX dispute tips XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX : Dispute on Credit Report and Score ( collection item ) Dear Sir or Madam : I recently obtained a copy of my credit report from your agency and XXXX XXXX and found the following item to be in error showing a collection item on my credit report from Midwest Recovery SYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX at XXXX the Collection Agency claiming I owed over {$600.00} to XXXX XXXX XXXX XXXX XXXX XXXX. This was fraud on the part of the collection agency. When I called the hospital XXXX XXXX XXXX XXXX XXXX and was told me all the bills were paid in full from my insurance ( XXXX and XXXX ) with the exception of an {$80.00} co-pay the only outstanding item and had not been billed yet. ( Please see email from XXXX XXXX, Supervisor dated XXXX, XXXX XXXX ). Showing account is paid in full. So I paid it anyway even though. I was out of the country in XX/XX/XXXX ( the date the date they stated the bill was generated ). This Does Not Make Sense. I paid the {$80.00} anyway to make sure I had no issues with my credit report. As Im applying for a mortgage ( see invoice marked paid ). Lets not forget to mention Midwest Recover SYS, has been REVOKED AND HAS AN F rating with the XXXX XXXX XXXX ( see report enclosed ). For scamming people. This is the worst rating any business could get and should be shut down. DISPUTE II My report shows a hard enquiry from what I found out was XXXX XXXX. I have never applied with this company at any time. 1. I dispute any report from the collection agency and request my present credit score be restored based on payment history in totality. As this is not accurate on my credit report. 2. I am requesting that all items and score be ( updated ), and remove the erroneous reporting and reflect an accurate profile and my credit score. XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : XXXX XXXX Attorney at Law New York State Attorney General
Company Response: Closed with explanation

Timely Response

2019-10-07

Dania, FL

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

2019-10-05

Elmwood, LA

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

2019-10-04

Syracuse, NY

Attempts to collect debt not owed

Debt collection: Payday loan debt

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

Timely Response

2019-10-04

Houston, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-03

Elmwood, LA

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

2019-10-01

Ft Lauderdale, FL

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Complaint: idwest Recovery Systems, LLC. Hours of Operation : XXXX. XXXX XXXX XXXX : XXXX XXXX. - XXXX XXXX XXXX, MO XXXX Friday : XXXX XXXX. - XXXX XXXX. Toll-Free # : XXXX Website : www.mrs-direct.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MRS Reference # : XXXX Current Creditor : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX FL Account # : XXXX Account Balance : {$870.00} XX/XX/2019 Dear XXXX XXXX, This letter is sent on behalf of the current creditor listed above, regarding the amount that is now owed on the above referenced debt. The amount due is {$870.00}. If eligible, this account may be reported to all 3 of the major credit bureaus as a collection account. If you wish to know if your account is being reported, you may contact our office at the toll-free number provided. Please send the total amount due to the address listed above. We understand that many consumers are experiencing financial difficulty in this economy and would like to help you find a resolution. Please contact our office to speak with a representative at XXXX, or visit us online at www.mrs-direct.com/payment.html. This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. NOTICE Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment of verification. If you request of this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor, if different from the original creditor. DISCLOSURES We are required under state law to notify customers of the following rights. This list does not contain a complete list of the rights consumers have under state and federal law. California : The state Rosenthal Fair Debt Collection Practices Act and the federal fair Debt Collections Practices Act require that, except under unusual circumstances, collectors may not contact before XXXX XXXX or after XXXX XXXX. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade commissions at 1-877-FTC -HELP or www.ftc.gov Colorado : A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE http : //WWW.COLORADOATTORNEYGENERAL.GOV/CA Wisconsin : This collection agency is licensed by the : Office of the Administrator of the Division of Banking, XXXX XXXX XXXX, XXXX, WI XXXX New York ( due to XXXX XXXX ) : XXXX XXXX XXXX Department of Consumer Affairs License Number XXXX. Maine : Our hours of operation are Monday-Thursday XXXX XXXX & Friday XXXX Central Time. Massachusetts : Notice of Important Rights : You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten ( 10 ) days unless you provide written confirmation of the request postmarked or delivered within seven ( 7 ) days of such request. You may terminate this request by writing to the collection agency. Agency hours If you no longer wish to receive these emails. Reply no more emails to XXXX at any time.
Company Response: Closed with explanation

Timely Response

2019-10-01

Lewisville, TX

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-10-01

Elmwood, LA

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

2019-09-30

OH

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt was result of identity theft
Complaint: i have never done business with XXXX XXXX XXXX and they turned me into collections for XXXX to, Midwest Recovery, also midwest recovery is trying to get money out of me for a loan of XXXX which i have never inquired or received, as someone fruadgenltly assumed my identy,,,
Company Response: Closed with explanation

Timely Response

2019-09-28

Canoga Park, CA

False statements or representation

Debt collection: Payday loan debt

Indicated you were committing crime by not paying debt
Company Response: Closed with explanation

Timely Response

2019-09-25

AR

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: On XX/XX/2019 I received notification regarding an alert for a change appearing on credit report. Upon checking my report I noticed a collection account fro. Midwest Recovery Systems. The account lists XXXX XXXX XXXX XXXX XXXX as the creditor with an amount of {$680.00}. I've yet to and received as per their Fair Debt Collection Act section 809 which states the consumer must receive notification of the debt within 5 days of the agency whom acquired the debt. Midwest Recovery has clearly violated the Fair Debt Collection Practice Act as well as my consumer rights. I have also sent Midwest Recovery Systems an affidavit of denial XXXX Not verification ) because this debt never belonged to me. MIDWEST RECOVERY HAS not responded and it has been over 30 days since this account has been reporting on my credit report. I recently was denied credit due to this inaccurate information which is totally unacceptable.
Company Response: Closed with explanation

Timely Response

2019-09-25

Alexander, AR

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: Please be advised this my 2nd complaint regarding this issue with Midwest Recovery Systems. On XX/XX/XXXX I received some alerts regarding a change appearing on my credit reports. Upon checking, I noticed a collection account from Midwest Recovery Systems. The original creditor was XXXX XXXX XXXX XXXX XXXX. I have several issues regarding this. 1. Midwest Recovery Systems never informed me of them obtaining or purchasing this debt within the initial 5 days with any letter of attempt to collect as per the Fair debt collection Practice Act section 809. This is a violation. 2. It has been 30 days since I've sent Midwest Recovery Systems an affidavit of denial ( Not letter of Validation ) since the debt never was mine, and I still have not received any correspondence or anything in the mail from Midwest Recovery Systems regarding this debt. 3.I have since been denied credit because of this inaccurate information that is on my credit report which I'm currently seeking legal advice in an attempt to resolve this matter.
Company Response: Closed with explanation

Timely Response