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 31
2018-01-30
Corsicana, TX
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Complaint: This Company has place a Account onto my credit report on XX/XX/XXXX the date assigned was XX/XX/XXXX. I have attached the screenshot from my XXXX Credit Report. This company DID NOT notify me of any account before they placed this onto my Report. As you can see I had no time to Request A debt Validation nor Dispute that I am the owner of the debt. This company practices is in violation of the FDCPA Section 807 ( 8 ) ( this law is for said collection agencies ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Texas Finance Code Section 392.101 requires that a third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section.
Company Response: Closed with explanation
2018-01-29
Bueche, LA
Written notification about debt
Debt collection: Payday loan debt
Didn't receive notice of right to dispute
Complaint: In XX/XX/XXXX I had 2 online payday loans from XXXX XXXX XXXX and XXXX, which I'm sure both were paid in full. But I noticed on all 3 of my credit reports that Midwest Recovery Systems was trying to collect on these paid debts. They are stating the I owe {$1300.00} to XXXX and {$2200.00} to XXXX XXXX XXXX which is not possible. I have disputed this will all 3 credit bureaus and I've also sent them a certified letter requesting validation of these accounts as well as a cease and desist, I requested that they only contact me by mail. I sent the certified letter on XX/XX/XXXX and I have not received anything from this company. They never sent me anything validating these accounts before adding them to my credit reports, I've only received harassing threatening phone calls from this company, they even called my employer and aggressively asked all kinds of personal questions about me, when I got to work I called them back and explained that I could not except personal calls at work, the guy threatening me with a lawsuit and hung up. This company calls me from numbers all over the country and I block them all. My next step is to file a police report against Midwest Recovery Systems.
Company Response: Closed with explanation
2018-01-29
Ganado, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: This year on XX/XX/XXXX I decided to restart paying debt. I reached out to the names on my credit report to settle. Midwest Recovery System happened to be one of them. I called and spoke to XXXX XXXX. I explained to him that I wanted to settle a debt that was sold to them from XXXX XXXX. XXXX read to me the information and confirmed the last four of my social. He let me know that we are in a recorded line. To confirm the account more he stated the open date of the account and the time the account was sold to them. He stated the account was opened since XX/XX/XXXX. Because on my credit report it states that the account was open XX/XX/XXXX I said well that doesn't sound accurate. But I didn't know much about statue of limitations nor did I realize til after the fact that I had paid Midwest recovery system {$300.00} to settle this account. XXXX had also mentioned to me that the account was charged off XX/XX/XXXX. After we hung up and I received receipt that may payment had gone through I called the original creditor XXXX XXXX to confirm some information. I spoke with XXXX out of XXXX Texas. I asked her who the debt was sold too and when. I also asked her that date of delinquency. She told me I opened the account at hand XX/XX/XXXX and that it was sold XX/XX/XXXX. She said she was not aware of the delinquency date. She provided me with my original account number and the information to the credit agency it was sold to XX/XX/XXXX. The name she provided was not Midwest recovery system but was actually called " XXXX XXXX XXXX XXXX ''. I then thought to myself why is it showing that I owe {$850.00} to XXXX XXXX in the first place and why is this on my credit report secondly why is this account reporting XX/XX/XXXX as an open account still today. When it should be closed account with the date as XX/XX/XXXX which is the original date of the loan. I am very disappointed with Midwest recovery systems. Not only did they take advantage of me. They failed to report the correct information to the credit bureaus. For 2 years now this account has been reflected in my credit report as being open. I decide to do what's right and pay my debt and get on the right path, trusting that the information provided on my report was accurate but it wasn't and they knew that they had no right to take money from me knowing the original date that should have been reflected would have made this account over the statue of limitations and the account should have been off of y account two years ago. They tricked me and should not get away with this. I don't believe this is a real agency and i know for a fact they are reporting false information. Had I known before about statues of limitations I would have questioned and disputed this as to why it was still on my account for a total of 8 years. I live in Texas it should have been removed after 7 years and should have stopped reporting. It reported last XX/XX/XXXX. This account is holding my credit score down and although it is now payed and considered settled it will only update to just that. This account should be moved from my profile immediately! This is against the law and I will not let this happen to me and I will let others be aware of what's gone on. Agencies are by law supposed to report accurate info. The credit bureaus have gotten a dispute and I am waiting on an answer. I demand this account be removed! And I demand Midwest be honest when collecting debts because some people only try to so the right thing like myself. I am a single parent and XXXX XXXX XXXX XXXX and I work part time. It is hard as it is and when I decided to be responsible I get taken advantage of. Shame on them!
Company Response: Closed with explanation
2018-01-26
Lafayette, MS
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2018-01-26
FL
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Complaint: On XX/XX/2018 I received a notification of a collection on all 3 credit bureaus, Midwest recovery systems. Ive never heard of them nor received ANY notification of any debt or collection from them.
This company needs to be looked into as Ive necer heard of this debt or received any notification of such. My credit scores dropped over 50 points due to this invalid debt!
Company Response: Closed with explanation
2018-01-26
Dallas, TX
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Company Response: Closed with explanation
2018-01-25
Phila, PA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with explanation
2018-01-25
San Diego, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Midwest Recovery System put a debt collection on my credit report without contacting me about the debt first. The debt on my report is not mine, and I disputed it, and they put it back on my record. This record should not be on my credit report.
I also believe they are calling my place of employment pretending to be somebody else.
Company Response: Closed with explanation
2018-01-25
San Diego, CA
Written notification about debt
Debt collection: Payday loan debt
Didn't receive enough information to verify debt
Complaint: Midwest Recovery Systems refuses to verify the debt that they are dinging me on my credit reports. They simply will not verify the debt, yet my credit is affected.
Company Response: Closed with explanation
2018-01-25
Lewisville, TX
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Company Response: Closed with explanation
2018-01-25
Kissimmee, FL
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2018-01-24
Brooklyn, NY
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Complaint: Midwest recovery systems is fraud Im on full medical with medicare and medicaid I have XXXX XXXX. My doctors are aware of this false debt that I dont owe. I request its moved immediatley.
Company Response: Closed with explanation
2018-01-24
MD
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: Looked at my credit report onXX/XX/XXXX and noticed a new account. The account is under MIDWEST RECOVERY SYSTEMS. I called the number today XX/XX/XXXXand spoke to a representative and he informed me that the debt is for a payday loan that I took out in XX/XX/XXXX from a company called XXXX XXXX in XX/XX/XXXX. I have never heard of the company nor did I take out any payday loans. The representative told me that e would do a debt validation letter and I should receive a letter in the mail. This company has contacted me before claiming that I owed another payday loan from another company a year ago that I disputed and I had it removed.
Company Response: Closed with explanation
2018-01-24
San Bernardino, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Company refuses to thoroughly investigate Dispute
Company Response: Closed with explanation
2018-01-24
San Jacinto, CA
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Complaint: Midwest Recovery Systems appeared on my credit report on XX/XX/XXXX and I reached out to them via email on XX/XX/XXXXto dispute the validity of this account. I had not taken but any payday loans in the last four years and also knew that I had dealt with some companies who were not abiding by CA law. I forwarded the Desist and Refrain Order from the California Dept of Business Oversight showing that any payday loans issued to residents in CA were null and void. They have yet to acknowledge any of my emails ( followups sent on XX/XX/XXXX and XX/XX/XXXX) so I called. A call center rep said that that order had no bearing on their collection since their client, XXXX XXXX, had purchased the debt. My argument was the original debt was made null and void so their collection was invalid. Nothing came of that call and I ended. I reached out to the California Dept of Business Oversight and they forwarded my request to your oce. All I am asking is for this to be removed from credit reports. XXXX has removed it and it is under investigation with XXXX. On XX/XX/XXXX, I received a fresh alert that it had been reported to XXXX which I have since challenged. I thought this had been previously reported to the CFPB but when I checkeed for status, it does not send me login information.
On XX/XX/XXXX, I mailed a certified letter requesting debt validation. It is currently in route and is attached to this complaint.
Company Response: Closed with explanation
2018-01-24
Burkburnett, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2018-01-23
Sebring, FL
Took or threatened to take negative or legal action
Debt collection: I do not know
Threatened to arrest you or take you to jail if you do not pay
Complaint: I received a phone call 2 month 's ago I have a debit to pay if I do n't pay they call me in court and I found out they report me in credit bureau
Company Response: Closed with explanation
2018-01-23
South Florida, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : MIDWEST RECOVERY SYSTEMS {$360.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDWEST RECOVERY SYSTEMS {$360.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response: Closed with explanation
2018-01-23
Fairfax, VA
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Company Response: Closed with explanation
2018-01-23
Orion Twp, MI
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: Midwest Recovery VIOLATED my rights under the FDCPA. I was never notified in writing of this debt, this debt is over 10 years old, I disputed with XXXX as this is a RE-INSERTION of a debt, they never notified me this was going to be done. I have filed complaints with the BBB against Midwest Recovery and XXXX XXXX. I just spoke to a XXXX XXXX Rep and asked why I was never notified in writing of this re-insertion. I want this removed from my credit report immediately, first and foremost for violating my rights. Midwest Recovery should lose their license!!
Company Response: Closed with explanation
2018-01-23
FL
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: There are a number of issues wrong with this debt. For one this debt is past seven years old. Secondly this was handled by my insurance multiple years ago, thirdly this is a third party, a debt collector getting debt from another debt collector. I have no contract with this company and have no debt with this company. They have not contacted me before parking this debt on my credit report. I know the cfpb has a strong stance against debt parking, especially old debt from over 7 years ago. This needs needs to be removed IMMEDIATELY before any further monetary loss is made. Im in the middle of a home loan and if this illegal tactic effects it we will really have problems.
Company Response: Closed with explanation
2018-01-22
Chula Vista, CA
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: As of today XXXX XXXX,2018 I logged into my XXXX XXXX account to find an open collection notice from an unknown lender and collection company known as XXXX XXXX XXXX XXXX. I had not taken out any payday loans. I believe I am I victim of fraudulent or scam activity two different reports between my XXXX and XXXX report state comments as reason to collect a debt and medical which I knew is a fallacy as I am a XXXX XXXX and medical bills are covered indefinitely i did multiple research on the phone number and company and seen this has happend to multiple people. I am a single mom and XXXX looking at getting into a stable living environment this open collection account is going to effect this negatively. Id also like to note I never received a notice to dispute the debt prior to being sent to collections or a notice from the collection agency. Id like this to be resolved I will attach multiple forms of proof verifying my claims and other reports of this company being a scam. I fear for the safety of my identity also this is affecting my life.
Company Response: Closed with explanation
2018-01-22
Church Point, LA
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Complaint: I recieved a credit monitoring alert from transition stating that I have a new collection from said company Midwest Recovery! I have never done business with this company or its client. I have never recieved notice about this account by mail. This company has never contacted me about this debt and I take no responsibility of such collection. By law this company was supposed to provide notification of debt and give time for me to dispute and ask for verification of this debt before placing on my credit file, especially because I am a victim of identify theft. I am afraid that this company has violated my personal rights by requesting my medical records from a facility with out permission. I take no responsibility for this debt.
Company Response: Closed with explanation
2018-01-22
Las Milpas, TX
Received a loan you didn't apply for
Payday loan, title loan, or personal loan: Payday loan
Company Response: Closed with explanation
2018-01-21
Burbank, CA
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