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 33
2018-01-04
Ft Belvoir, VA
Written notification about debt
Debt collection: Payday loan debt
Didn't receive notice of right to dispute
Complaint: In XX/XX/XXXX, I received an alert from all three credit reporting agencies that an item was placed on my credit. Upon investigation, it was evidenced that Midwest Recovery Systems of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, reporting a collection matter of $XXXX to the various credit reporting agencies on XX/XX/XXXX. The original creditor's name on the collection matter is XXXX XXXX.On XX/XX/XXXX, I contacted Midwest Recovery Systems and spoke with Mr. XXXX XXXX to obtain clarification of the item placed on my credit, as I received no prior calls or letters from Midwest Recovery about this debt, giving me the right to dispute or understand the claim. I was told by Mr. XXXX XXXX that they spoke with me in XX/XX/XXXX, for which I have no knowledge of, and I made him aware that I had no memory or recollection of any discussion with Midwest Recovery about this debt. I have received strange threatening voicemails with disguised voices, which I have ignored and for which I cannot say the origin of these calls, but I have not spoken to Midwest about this debt.Mr. XXXX XXXX informed me that this matter is about a payday online loan obtained from XXXX XXXX around XX/XX/XXXX and became delinquent in XX/XX/XXXX. While I do recall using XXXX many years ago, I have not heard from XXXX or any other collectors about a balance owed, and a request at this time is extremely strange. XXXX debits and take monies out of your account to settle your obligation to them. Also, I believed this debt was settled.I asked Mr. XXXX XXXX to provide proof of an outstanding balance and how this was determined, as I have no records dating back to XX/XX/XXXX. He made me aware that he has no obligation to provide such information and that I should contact my bank to provide me with statements. My account has since been closed. Even banks statements by themselves would not tell but would only show that XXXX debited my account excessively with high interest amounts. A statement of account showing original loan, terms and repayments, plus any add on fees equaling the balance would help.I was recently informed that such loans are not legal in Virginia and the loan is void. I believe XXXX and Midwest Recovery Systems is fully aware of this situation. XXXX and or Midwest Recovery Systems should provide proof that this loan isn't void, and until documentary proof of a debt and that the loan isn't void, I don't think they should be putting this on anyone's credit report.
Company Response: Closed with explanation
2018-01-04
VA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Around Fall of XXXX, I received a collection call from a company I never heard of nor ever did business with : XXXX. Then I started receiving demand letters about a loan they made online and sent to a bank ( XXXX ) where I 've never had any type of account ever. I never received a monthly statement, an email or any communication but allegedly " my account '' was months over due. I told them it was not me, I did not know them and never made any online or other loan. They passed me to their fraud department at XXXX. They never sent me any documentation about the alleged loan, like signature or application papers or dates as required by FDCA law but ultimately stopped calling.
Then later in XXXX they sold ( I guess ) their junk paper to XXXX XXXX XXXX without disclosing the identity fraud and XXXX XXXX XXXX starting to harass me. This time, as suggested, I filed a criminal complaint with local police and the Federal ITVA ( Identify Theft Victim 's Complaint and Affidavit. I also put fraud alerts with all major credit reporting agencies. This info was made known to XXXX and they stopped calling.
Now, it appears XXXX XXXX XXXX has sold their junk paper again without disclosing that it was a fraudulent loan and Midwest Recovery started calling. After telling them the story and asking for documents, it reply is maliciously placed derogatory information into my credit report showing this is under currently collection.
Company Response: Closed with explanation
2018-01-04
Brooklyn, NY
False statements or representation
Debt collection: Medical debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2018-01-02
Rollingstone, MN
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Complaint: I receive an credit alert from XXXX XXXX by email on XX/XX/XXXX noting that there is a new collection account on my credit report. I noticed that a debt buyer collection company added it my credit report stating that I owe a payday loan company by the name of XXXX XXXX XXXX. I do n't owe them anything. I paid off all my debtors that I knew about but one company, XXXX XXXX XXXX that is still on my credit report. I do acknowledge owing them. This collection account, however, was not on there. It was just added on XX/XX/XXXX. I 've been checking my credit report regularly throughout XX/XX/XXXX ; even disputing items and getting them removed. Midwest Recovery Systems is no stranger! One of their debt items was removed from my report. They bought out one of my accounts and it was paid as agreed. Then a month later, they added another collection to my account for the same debt that was paid. I contacted the credit bureau and they removed it and ordered Midwest to send me a letter noting that they removed it from their account too. In other words, they tried to get me to pay off the same debt twice! If I was n't checking my credit report, I would have had an extra collection account on it which would have affected my credit worthiness.
Company Response: Closed with explanation
2018-01-02
Lewisville, TX
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Complaint: MIDWEST RECOVERY SYSTEMS is reporting a charge off from the XXXX XXXX on my credit. First, its not my debt and i never had an account with the XXXX XXXX. Secondly, when i called they said it was opened in XXXX, so its past the statue of limitations for reporting. They are reporting it was opened in XXXX XXXX, They are breaking the law and i want it off my credit report immediately. They need to provide the original documentation which shows when it was opened as well as it not being mine.
Company Response: Closed with explanation
2018-01-02
Clarksville, TN
Communication tactics
Debt collection: Medical debt
Frequent or repeated calls
Company Response: Closed with explanation
2018-01-01
KY
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Complaint: On XX/XX/2017 Midwest Recovery appered on my credit reports with an amount of {$400.00}. I have NEVER been notified by this company informing my I owe this debt. On XX/XX/2017 I sent a letter asking for verification of this debt they say i owe. I have never recieved anything. Not even a phone call. I called the original creditor of this debt and they have no knowledge of this debt in their systems. They said i didnt owe that debt. I would like for this to be off my credit as I believe Midwest is scamming people out of money. They have broke the law with not verifying this debt and by not contacting me before placing this on my report. I have never received anything from them.
Company Response: Closed with explanation
2017-12-31
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: I am a victim of fraud from this company. They have made a report on my credit report file. I am unaware and did not open any accounts. This has caused my credit scores to drastically fall. This is a scam company collecting fraudlent debts.
Company Response: Closed with explanation
2017-12-30
Columbus, OH
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: On XXXX at XXXX I received an alert on my XXXX XXXX on the cell phone app for monitoring my credit daily and I got a notice that I have a COLLECTIONS EXCLUDING MEDICAL alert so then I click on the alert and read : 12 XXXX XXXX XXXX and N/A for contact number and no account number reference and no date. On XXXX at XXXX I received a notice on my XXXX XXXX that I have one open account in collections XXXX and XXXX for the sum of {$890.00} for Midwest Recovery Systems XXXX I DO NOT HAVE ANY CASH ADVANCES AND I NEVER GOT ANY LETTER.
Company Response: Closed with explanation
2017-12-30
TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: On XXXXX XXXXXXXXXXXXX XXXXXXXXXXXX/XX/XXX/span> I get a notice from XXXX with XXXX. The notice said there was a change to my credit. I logged in and checked my credit. There was a collection account with Midwest Recovery Systems from XXXX XXXX MO., Listing a debt of $XXXX. I have no idea what this is other than I know it's not mine! I looked them up and they have been reported numerous times to the BBB for false collections, such as this. I called XXXX and and emailed them. I also submitted my complaint online to dispute it. I've been through enough with their data breach and there must be something done to keep these false reports added to consumer credit reports as easily as they are!
Company Response: Closed with explanation
2017-12-30
Superior Township, MI
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Company Response: Closed with explanation
2017-12-30
Foothill Ranch, CA
Communication tactics
Debt collection: Payday loan debt
You told them to stop contacting you, but they keep trying
Complaint: Company is trying to collect debt thats past the California statute of limitations. Multiple daily calls on my work, personal, and house phone and using scare tactics including making threatening statements that law enforcements will come and arrest debt owner if no action is made immediately. They are harassing calls every day and refusing to provide proof. If phone is not answers. They are refusing to leave a message. They are also using multiple phone numbers using similar area codes and close numbers to our personal phone numbers.
A disputed has been filed with two credit reporting agencies including XXXX and XXXX
Company Response: Closed with explanation
2017-12-30
Haverhill, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Closed with explanation
2017-12-29
Enon, VA
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
2017-12-29
East Troy, WI
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Complaint: XX/XX/17 I received a new account notification from XXXX XXXX. I found that it was from Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX for the amount of {$1500.00}. Says that it is from XXXX XXXX XXXX XXXX. It does not have a date listed on it as to when the " loan '' was taken out. I have no idea what this is regarding.
Company Response: Closed with explanation
2017-12-29
Columbus, OH
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Complaint: On XX/XX/XXXX at XXXX I received a email from my credit monitoring alert from XXXX XXXX that I had a new account alert and I checked it and it stated that I had a NEW ACCOUNT on my XXXX from Midwest Recovery Systems , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX and for type it stated N/A and contact number it stated also N/A. So then I checked my XXXX XXXX alerts and it stated I had one DEROGATORY MARK ( my first one ) it stated I owned {$890.00} from XXXX XXXX XXXX opened on XX/XX/XXXX and reported XX/XX/XXXX which dropped my score on XXXX 3 Points for something I that I have no cash advances currently. I checked out XXXX and this Midwest Recovery System has so many complaints and the same issues with people. I worked so hard to maintain my credit and I will not stop until this is fixed.
Company Response: Closed with explanation
2017-12-29
San Diego, CA
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: Midwest Recovery Systems just dinged my XXXX Credit Report, by reporting that I owe them XXXX. This happened last XXXX as well. Once I went to the Consumer Financial Protection Bureau last XXXX, they quickly dropped it. However, it appears they are back at it, again. Really fed up with them. They refuse to verify the debt, yet they go straight to my credit report. Really unfair what they are doing.
Company Response: Closed with explanation
2017-12-28
Alachua, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Never heard of the company, Midwest Recovery Systems until I started getting calls week of XXXX XXXX. They never leave messages. Reviewed my XXXX report today to see they are stating I owe them {$800.00} from the original creditor XXXX XXXX. This company does not exist calling from different cell # 's in the state of Florida. State Of Florida is not in the Midwest that 's how sad this is. This is ridiculous. It amazes me they call the week this was added to my credit report with no previous documentation stating I owe this bill, which I do not. I am highly XXXX XXXX and plan to go to local authorities.
Company Response: Closed with explanation
2017-12-28
Hillsboro Bch, FL
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2017-12-27
DE
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: MIDWST RCVRY {$500.00} XXXX XXXX XXXX XXXX XXXX They claim from about 7 years ago and just appeared on my credit report XX/XX/2017 I disputed and added a fraud alert to my XXXX and XXXX XXXX reports and also disputed with MidWst RCVRY who claims I need to file a police report after all these years ... this is not mine. I had roommates years ago who could have accessed my info and accounts. I want this removed ASAP as it is affecting my credit & I just had begun building it, as a single mom putting my XXXX of XXXX through college. I could lose my ability to help her. I have other debt that I have no problem paying for, but this is unfair to add an account that no police could investigate this many years later and why are they just now doing this? Fraudulent. Unfair. I want it removed.
Company Response: Closed with explanation
2017-12-27
Fort Wayne, IN
Written notification about debt
Debt collection: Payday loan debt
Didn't receive notice of right to dispute
Complaint: ALL PARTIES ARE GUILTY OF ZOMBIE DEBT COLLECTION AND COLLECTION FRAUD.
Company Response: Closed with explanation
2017-12-26
Homewood, IL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: On XXXX XXXX I personally wrote a certified letter to Midwest Recovery Systems informing them that I have never signed a contract with them that would show that I owe the company any money. This company placed a collection 's debt of {$640.00} on my credit reports. I want this company off each of my credit reports. Midwest Recovery Systems has failed to supply proof that I ever had a contract with them. They have also failed to communicate with me about this debt.
Company Response: Closed with explanation
2017-12-25
Three Bridges, NJ
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Complaint: OnXX/XX/XXXX a collection was put against me by Midwest Recovery Systems for a medical debt that was paid off through another collection agency on XX/XX/XXXX. I wrote a letter to Midwest with a copy of pay off letter from previous collection agency. To date the collection still appears on my credit report. Since paying off this medical debt I have received calls from other collection agencies but would fax a copy of pay off letter.
Company Response: Closed with explanation
2017-12-23
Chester, NY
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2017-12-22
Fort Wayne, IN
Written notification about debt
Debt collection: Payday loan debt
Didn't receive notice of right to dispute
Complaint: XXXX XXXX SOLD MY ZOMBIE DEBT TO XXXX XXXX XXXX, XXXX AND THEY SOLD IT TO XXXX XXXX XXXX AFTER THE S.O.L. EXPIRED AND WENT ON CREDIT REPORT DURING WHICH TIME WE ARE BUYING A CAR.
THEY FAILED TO SEND VALIDATION LETTER AND ALL PARTIES ARE IN VIOLATION OF THE DODD-FRANK ACT.
SEE ATTACHED..
E-MAIL TO SETTLE OUT SIDE COURT IS ( XXXX )
Company Response: Closed with explanation