Midwest Recovery Systems

2018-01-21

Derry, NH

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-01-21

Rncho Domingz, CA

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt was paid
Complaint: I made payments totaling to another collection agency called XXXX XXXX XXXX that had the debt I paid this account in full I have my receipts they did not want to accept the receipts and said I have to pay again this not cool at all I received a call from this collection called a Midwest recovery systems trying to collect on the same loan that has been paid
Company Response: Closed with explanation

Timely Response

2018-01-20

Columbus, OH

Attempts to collect debt not owed

Debt collection: Payday loan debt

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

Timely Response

2018-01-20

Inglewood, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-01-20

San Francisco, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: On X/XX/2018 XXXX XXXX XXXX added a collection account to my XXXX and XXXX credit reports in the amount of {$310.00}. It negatively affected my credit score decreasing it by 6 points. On the XXXX report the remarks are listed as unknown. On the XXXX report the remarks are listed as medical. They claim the original debt was from XXXX XXXX, which I have never taken a payday loan ever. I am certain that XXXX XXXX XXXX have fraudulently reported a debt to my credit report and demand that I have these removed and have my credit score returned to its original score before this happened. I have tried numerous times to contact XXXX XXXX XXXX and have sat on hold on their phone line with no answer. This fraudulent attempt is damaging my credit score and need this resolved immediately.
Company Response: Closed with explanation

Timely Response

2018-01-20

Hinkley, 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 systems located at XXXX XXXX XXXX XXXX XXXX Mo. Has attached a collection account in the amount of {$640.00} to all 3 credit reporting bureaus. I do not know who this company is and have never received any documentation from them at all none whatsoever. I am disputing the account as not mine and suspect this is a fraudulent attempt to collect monies not owed.
Company Response: Closed with explanation

Timely Response

2018-01-19

Lancaster, OH

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-01-19

Tarzana, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Please help me to resolve this as I am tired of being threatened by a company I have no knowledge of. XX/XX/XXXX- Disputed debt with credit bureaus "I do not owe, unknown debtor", it has not been removed from my credit report as of yet. From XX/XX/XXXX-XX/XX/XXXX I have received 10 or phone calls harassing me and asking me to verify my ss# and address. Which I would never due by phone, I asked that they send me a validation letter via mail. Still, have not received it. Every time they call I block the phone #'s, they are calling me all times of day and night. XX/XX/XXXX-Sent certified "validation letter", it was signed for but I have yet to receive a response. Date Received XX/XX/XXXX See letter sent below. Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX RE: Account # XXXX To Whom It May Concern: Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 (b) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus (XXXX, XXXX, XXXX XXXX), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following: Violation of the Fair Debt Collection Practices Act and Defamation of Character. My attorney and your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my firms managing attorney for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following: Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for Midewest Recovery System in case legal action becomes necessary. Your claim cannot and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards XX/XX/XXXX- Received an email from an XXXX XXXX who is supposedly representing the company. See below: Arrest Warrant XXXX Department of Justice Reply| Today, XXXX XXXX Inbox XXXX 359 KB Show all 1 attachments (359 KB) Download Save to XXXX - Personal CASE NO: XXXX XXXX which will be going to release Tomorrow XXXX XXXX XXXX in side your county court. Attention This is the last and final chance for you. This Legal Proceedings issued on your Docket Number XXXX with one of XXXX XXXX XXXX. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. We have sent you this warning notification about legal proceedings of XX/XX/XXXX but you failed to respond on time now its high time if you failed to respond in next 12 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished. Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to $XXXX and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your door step. Note : This notice is provided to you on behalf of XXXX XXXX XXXX. and its parent company , and their respective family of companies including XXXX XXXX, its parent company, XXXX XXXX XXXX, XXXX., and all of their respective subsidiaries and affiliates, (hereafter collectively referred to as the XXXX XXXX Related Companies, we, our, or us). The XXXX XXXX Related Companies include, but are not limited to: XXXX XXXX, XXXX XXXX XXXXl, XXXX., and all of their respective subsidiaries and affiliates, including those that operate under the trade names XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or any company-owned XXXX XXXX XXXX. You or Your means you as a participant in or as a user of the products and/or services offered by a Cash Advance Related Company. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. TERMS & CONDITIONS YOU AGREED. By electronically signing this Loan Agreement by clicking the "I AGREE" button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records, So now company is not liable to send you anything. IF YOU WANT TO RESOLVE THIS MATTER THEN IMMEDIATELY CONTACT US THROUGH EMAIL (XXXX) XXXX XXXX Attorney at Law XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX
Company Response: Closed with explanation

Timely Response

2018-01-17

Austin, TX

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: I was not aware, until I looked at my credit report, about this debt. I sent the debt collector documents to prove their claim and fill out the disclosure statement. I have not heard back from then and they still have me listed on my credit report and will not remove it.
Company Response: Closed with explanation

Timely Response

2018-01-16

San Gabriel, CA

Written notification about debt

Debt collection: Payday loan debt

Didn't receive notice of right to dispute
Complaint: on XX/XX/XXXX I received a notification from XXXX XXXX to advise me that a new collection account was on my credit. I was bit alarm since I have made it my point to work on my credit for the past few years. Due to the holidays I was not able to call unit XX/XX/XXXX. I called the collection agency after the I was given the call recording and mini Miranda and i verified my social security number and mailing address, I was told who the original creditor was and when the debt in question was originally incurred. I asked the rep when they sent me my first notice notification me of the debt and she mentioned that she would send it after our call. she refused to tell what attempts they made to contact me. I asked when the dent was assigned to them and she mentioned that it was assigned to them on XX/XX/XXXX, I asked when they reported the debt to the credit beuros and she said on XX/XX/XXXX, just 5 days after they received it. I asked if she confirming that is was reported 5 day after they received it although they made not attempt to notify me in writing nor allow the 30 days to dispute the validity of the debt. I asked to speak to supervisor or manger and she mentioned that no one was available. She reluctantly gave me the manger and supervisor information. I called back on XX/XX/XXXX and asked for a supervisor. The rep asked if he could assist me told him that i wanted to speak to a supervisor when i called last Friday and was told that no supervisor was available. " XXXX '' confirmed he was there Friday night and that a supervisor was available and was not sure why I would have been told that. The person that he transfer me to was the same exact person that i spoke to on Friday. I talked to the same rep XXXX XXXX and asked for a mange. I spoke to a manage XXXX XXXX and questioned again about the time frame in which they acquired the debt and reported the debt. she confirmed that the account was reported 5 days after it was acquired. I cited the FDCPA and mentioned that they are in violation for section 806, 807 808 and 809. I told her that i never received my 1st notice nor the 30 days allowed to dispute the validity if the debt. She mention that she only hast to send me a notice 5 days after contact. I informed her that was never given the validation period of 30 day 's she said that the FDCPA state that i have 30 days to dispute and that nothing is mentioned that they can not report. I asked what attempts did they take to send me a notice and she said " we have thousands of accounts, we do not send letters unless we make contact with someone '' she said " If you pay it, we will remove it ''. I asked if that was her way to try to force me to pay for a debt that she has not confirmed is even valid. she said not but that it was the easiest way to get it resolved. re refused to listen to what I had to say so i did get a bit upset and use profanity since she was being unreasonable and was not answering my concern. this company 's tactic are wrong. this was placed on my credit without they allowing me the right to know of the debt, they did not validate the debt and to this date XX/XX/XXXX. I have not receive written communication from them. since this was placed on my credit, i have been unable to move and get a new home for my children and I. I have disputed this with the credit beuros however, it takes 4- 6 weeks to resolve.
Company Response: Closed with explanation

Timely Response

2018-01-16

Rncho Domingz, CA

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: I phones Midwest Recovery Systems at XXXX in regards to a missed call. (I also noted that a negative comment was placed on my credit report by this company XX/XX/XXXX). The young lady I spoke to told me I had a debt of $XXXX. I explained to her that I had filed chapter XXXX bankruptcy in XX/XX/XXXX and that it had been discharged XX/XX/XXXX. She told me that it did not matter and that I still owed the money from a loan that was taken out from My Next Day Cash in XX/XX/XXXX. I explained to her that the bankruptcy cleared all debts and she just hung up the phone. This same company had phoned my 2 years ago and I explained to them then that I was in chapter XXXX and even offered to send them a copy of my discharge papers.
Company Response: Closed with explanation

Timely Response

2018-01-15

Scottsdale, AZ

Communication tactics

Debt collection: Other debt

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

Timely Response

2018-01-12

Seneca, SC

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: I received several phone calls from Midwest Recovery over the last couple of months. Each time I stated I had no knowledge of alleged debt. Each Time I requested something in writing so that I could investigate. Each time they refused. When I stated that the FDCPA requires them to do within 5 days of initial contact they stated they do not have to. The last time they contacted me on XX/XX/XXXX they left a voicemail and I returned the call and the gentleman said they were going to report it to the credit bureau despite the numerous attempts that I asked for written documentation. THey said they do not have to provide that. Today I checked my report and they reported it to all 3 bureaus causing my score to drop significantly.
Company Response: Closed with explanation

Timely Response

2018-01-11

LA

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Complaint: I recently checked my credit report and found a charge for the following company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not taken out any loans being that I was not working for 5 years at the time of this charge. As far as I can remember military members and spouses are not able to apply for payday loans. Further upon checking my report I noticed a previous address listed as mine was nowhere near where we lived but was near this payday loan company. I want this collection taken off my credit report being as I never applied for it.
Company Response: Closed with explanation

Timely Response

2018-01-11

Houston, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: hippa and cra violation of my rights Collections Midwest Recovery Systems not mine sent police report no knowledge of account police report was sent to XXXX and XXXX
Company Response: Closed with explanation

Timely Response

2018-01-11

Rayford, 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
Complaint: Previously filed a complaint and requested a debt validation- it has been 30 days and the company has yet to be able to validate the debt. Per 809. Validation of debts ( 15 USC 1692g ) the company is in violation. Please delete from all 3 credit bureaus immediately.
Company Response: Closed with explanation

Timely Response

2018-01-10

PA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I ran my credit report and it shows a derogatory mark from " XXXX XXXX XXXX '' in the amount of {$870.00} which shows an account opened date of XXXX/XXXX/2016. I have not received any communication from this company pertaining to this debt. No one has attempted to contact me by phone or mail. I have no idea what the amount is for. I disputed this with the credit agency and the result was that they added a note on the derogatory mark that states " account information disputed by consumer. '' I did not open an account with anyone on this date or around this date. I have 1 account that is 4 months old from XXXX XXXX. This is the only new account i have and it is in good standing. I do n't even know what this debt could possible be for??
Company Response: Closed with explanation

Timely Response

2018-01-10

Lewisville, TX

Took or threatened to take negative or legal action

Debt collection: Payday loan debt

Sued you in a state where you do not live or did not sign for the debt
Complaint: is Company is not who I applied for the loan through. Not only that I had over XXXX calls once I applied. Each one representing that I had applied with their Company. I have never heard of the supposed original Company. I have never received anything in writing pertaining to this debt. I had phone calls from numerous Companies trying to collect on this same debt. It is financial XXXX.
Company Response: Closed with explanation

Timely Response

2018-01-10

Austin, TX

Took or threatened to take negative or legal action

Debt collection: Medical debt

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

Timely Response

2018-01-09

Fort Lauderdale, FL

Attempts to collect debt not owed

Debt collection: Payday loan debt

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

Timely Response

2018-01-08

Irving, TX

Incorrect information on your report

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

Account status incorrect
Complaint: I had a complaint filed with you for this company ; here is the reference number:XXXX XXXX The company response was that it would be removed from my credit report ; however, it 's still showing on all 3 bureaus. I asked them to send me a letter stating this was an error and being removed but they never sent me the letter. Please have this removed its been 4 months.
Company Response: Closed with explanation

Timely Response

2018-01-08

Garrison, MD

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-01-08

Gloucester City, NJ

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-01-05

Austin, TX

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-01-05

Palm Coast, FL

Attempts to collect debt not owed

Debt collection: Payday loan debt

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

Timely Response