Midwest Recovery Systems

2017-12-22

Norwalk, CA

Written notification about debt

Debt collection: Medical debt

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

Timely Response

2017-12-22

Clayton, MO

Took or threatened to take negative or legal action

Debt collection: Medical debt

Threatened or suggested your credit would be damaged
Complaint: The agency continues to call me 10 times a day. They have sent documentation of the medical procedure that i recieved without proper HIPAA release signature nor has the company provides the requested sign copy of proof as set by the FDCPA, FCRA acts. The agency and hospital clearly violated my right to privacy in accordance to OCR. Under the FDCPA I have the right to request validation which they submitted a copy of my procedure and medical record with out HIPAA release signature signed by me to give them the right to have my medical information.
Company Response: Closed with explanation

Timely Response

2017-12-21

Jacksonville, FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.
Company Response: Closed with explanation

Timely Response

2017-12-20

Dayton, OH

Received a loan you didn't apply for

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

Company Response: Closed with explanation

Timely Response

2017-12-20

Sanders, KY

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: While checking my credit reports I noticed a collection from Midwest Recovery Systems. This is not my debt and I have n't heard from Midwest at all concerning this unverified debt. This violation of my rights has caused stress and damage to my credit report. On XXXX XXXX, XXXX I sent a letter to the creditor asking them to validate the debt as well as remove the debt if the information was reporting inaccurately. I 've received no feedback from this company. I did receive a notification from a credit monitoring system I subscribe to that the debt was being reported as a collection. I have NO KNOWLEDGE of this debt at all.
Company Response: Closed with explanation

Timely Response

2017-12-19

Gridiron, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Company appeared on my credit XX/XX/XXXX without proper notification as they were obligated to do in accordance to FCRA rules. I have no knowledge of this account, I do n't even have an account number as I was notified of such alleged debt by credit monitoring companies sending me alerts of new information added. The company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social however She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. From my credit report I see the original creditor is XXXX, however I sued XXXX and won as they were unable to furnish proof that the account they were attempting to collect on were mine as my social nor signature matched their files. I would advise this company to cease collection and remove ALL reporting from my reports as I have obtain legal counseling due to the selling and buying of a discharged fraudulent debt.
Company Response: Closed with explanation

Timely Response

2017-12-19

San Jacinto, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: On XXXX XXXX XXXX I received an alert on my credit report that a company by the name of XXXX aka : Midwest Recovery stating that they had placed a loan amount of approximately {$2500.00}??!!! first of all I have never heard of either company or have taken any personal loans out for such amount. I contacted XXXX Credit Bureau since they are the ones that alerted me and it was reported to them and they agreed that there was never an inquiry made by me requesting a loan from either one of the above stated companies because when someone requests a loan on line or other there is always an inquiry. I have placed a fraud alert on my report due to this ironeous error on my credit report and have placed an investigation. This so called XXXX company is out of the country and I know alot of these companies commit fraud towards peoples credit reports thinking that someone would be so XXXX and send anyone any money that you have never requested money from. I want this company investigated and this removed off my credit report immediately! This is definetly a fraudulent matter towards me and my personal credit report.
Company Response: Closed with explanation

Timely Response

2017-12-19

San Antonio, TX

Took or threatened to take negative or legal action

Debt collection: Payday loan debt

Threatened or suggested your credit would be damaged
Complaint: On XX/XX/XXXX I received harassing phone calls from an XXXX XXXX stating he was calling on behalf of XXXX XXXX XXXX. He called me at least 5 times within a 2 hour period, and left messages stating I 'd be responsible for a debt and continued to recite my personal information to include my social security number. I received at least 10-20 phone calls over the span of 12-24 hours, and continued to receive harassing phone calls, even when I told them to stop calling, because I did not know who they were. I had to block the phone numbers they called from, because the phone calls would be disruptive during the work day, and they would not stop. I filed an Identity theft affidavits with the IRS and notified XXXX and XXXX to place fraud alerts on my accounts. I saw an alert that an account was added to my credit report ( XX/XX/XXXX ), by the name of MIDWEST RECOVERY SYSTEMS, on behalf of XXXX XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2017-12-19

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-12-18

Wilmington, DE

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: Hello. I am struggling with an account from XXXX XXXX showing up on my credit report as delinquent as of XX/XX/XXXX. I had a car loan from this company in XX/XX/XXXX or XX/XX/XXXX. Within a week of me having the vehicle, it died and needed over {$5000.00} in repairs. My father took the vehicle back to the XXXX XXXX XXXX-which is the car lot I purchased it from. After this, we filed several reports with the better business bureau. I have n't heard anything else about this car since then. It has never been on the credit report. We are now going into XX/XX/XXXX and it just now hit my credit report as delinquent. Please guide me as to how to fight this.
Company Response: Closed with explanation

Timely Response

2017-12-18

Sylvania Township, OH

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: Per the Fair.debt collection practices act and the fair credit.reporting act All debt have to be validated and the consumer have the right to dispute the debt before a debt collection agency report it. I did not receive this from the company as the company reported this information before I was given the right to dispute and the information was validated. Therefore they violated the law. I want this information deleted off my credit report. I 'm sure that other consumers was treated this way, I have consulted an attorney for a possible class action suit
Company Response: Closed with explanation

Timely Response

2017-12-18

Plano, TX

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Complaint: Midwest recovery systems is reporting a pay day loan that is was never mine. I have received phone calls that are breaking the law and threatening. I reported to the federal trade commission. I want this removed immediately!!!!!!!!! I will continue to submit multiple complaints weekly until it is deleted. Also, i found a threatening voicemail from your company that i have forwarded to the FTC. I will file complaints with CFPB, BBB, and FTC until this is deleted. This is not my debt and you need to show proof that it is. I WILL NOT STOP TILL DELETED. THIS IS NOT MINE AND YOU HAVE NO RIGHT TO REPORT INACCURAE INFO ABOUT A PAY DAY LOAN I NEVER HAD.
Company Response: Closed with explanation

Timely Response

2017-12-18

Katy, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: please make sure this trade is removed from ALL CRAs. I received notification this was added on my TransUnion report after you stated you sent a record of deletion. Please provide the deletion ID number for reference. See your response below : We have followed our fraud/identity theft policy and have n't had any further communication with the consumer. No future follow up is planned. Our fraud/identity theft policy is once we have been notified of this that we try to obtain a police report from the consumer to provide to our client. We immediately stop all collection efforts and send a record for deletion to all three credit reporting agencies. This deletion will be sent on XXXX/XXXX/XXXX. Please allow 30 days for the credit reporting agencies to update their records. Then we close and return the account to our client for them to further investigate the matter.
Company Response: Closed with explanation

Timely Response

2017-12-17

Ottawa Hills, OH

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: I was just aware that XXXX XXXX XXXX agency reported an account that I allegedly owe in the amount of XXXX to the credit bureaus. I have no knowledge of this account as I have not received any loan for this amount for anyone. I was contacted by this company and told them that I had no knowledge of the debt that I dispute it and I also asked them to please validate the debt in writing as required by the fair credit debt collection practices act. The company failed to do this and they illegally reported my account to all the collections bureaus without validating this account to me.
Company Response: Closed with explanation

Timely Response

2017-12-17

Cheverly, MD

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

2017-12-17

OK

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: Midwest Recovery Systems, XXXX, posted a trade line on credit reporting agencies for a debt not owed to XXXX. Midwest Recovery Systems, XXXX, did not send a letter to dispute this debt. This is a zombie debt not owed.
Company Response: Closed with explanation

Timely Response

2017-12-17

Naperville, IL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX XX/XX/2017 MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX RE : Account # Unknown To Whom It May Concern : This complaint is being filed against your company you due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 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 legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Company Response: Closed with explanation

Timely Response

2017-12-15

Gary, IN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: Upon checking my credit report across all three CRAs post-chapter XXXX bankruptcy filing, this company continues to report an account from XXXX as open and derogatory. They were listed and included on the creditor XXXX at the time of filing which was XXXX XXXX, XXXX.
Company Response: Closed with explanation

Timely Response

2017-12-14

El Portal, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-12-14

Lewisville, TX

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Complaint: Midwest recovery systems is reporting a pay day loan that is was never mine. I have received phone calls that are breaking the law and threatening. I reported to the federal trade commission. I want this removed immediately!!!!!!!!!
Company Response: Closed with explanation

Timely Response

2017-12-14

Corpus Christi, TX

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Complaint: I continue to get a call from Midwest Recovery Systems for a debt regarding a payday loan from XXXX. I have tried to contact the originating company that they claim the debt was from and the company either never was in business or is no longer in business. They have placed this debt on my credit report. It shows on my XXXX once and XXXX twice. They say that I owe {$860.00}. They have not been able to present any original documentation that show I took out this loan and refuse to remove it from my credit report.
Company Response: Closed with explanation

Timely Response

2017-12-12

Desoto, TX

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-12-12

Cordova, TN

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: I submitted written notification to Midwest Recovery Systems on XXXX/XXXX/XXXX asking them to validate this debt. Today is XXXX/XXXX/XXXX it has been 48 days and I have not received anything validating this debt. I have NEVER done business with Midwest Recovery Systems. I dont have a signed contract nor any contract with Midwest Recovery Systems. I have a right to demand to see the contract between Midwest Recovery Systems and myself. Midwest Recovery Systems has listed this account multiple times with the credit bureaus. I want this INVALIDATED DEBT REMOVED FROM ALL CREDIT REPORTS. Midwest Recovery Systems is NOT LICENSED in the state of TENNESSEE. I would like this unfounded and unvalidated debt removed form my credit report. Per Tennessee Code TFDCPA 62-20-101 and 105 thru 127, Tenn Law emphatically states that " a collection service can not commence or conduct the business of collecting debts in TENNESSEE without being so licensed and bonded as well as maintaining a " location manager '' who in turn is required to be licensed and bonded. in the State of Tennessee. UNLICENSED ACTIVITY IN THE STATE OF TENNESSEE POTENTIALLY SUBJECTS THE DEBT COLLECTOR TO CIVIL AND CRIMINAL PROSECUTION.
Company Response: Closed with explanation

Timely Response

2017-12-11

9 Mile Point, LA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-12-11

Jupiter, FL

Incorrect information on your report

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

Account information incorrect
Complaint: On XXXX XXXX, 2017 a collection account was added to my XXXX credit report. The collection company shows as Midwest Recovery Systems, the original creditor shows as XXXX XXXX XXXX. I do not recognize either of those companies and I have not received any information in writing from them regarding this account. It shows that it is a medical and it 's for {$1600.00}. I have no been to any doctor within the last six months so I have no idea where this is coming from. I tried contactics the company ( Midwest Recovery Systems ) by phone and was told they could not look it up by name and that they want my social security number. I refused to give them my social security number and they disconnected the line. So I sent a cease and desist email to Midwest Recovery Systems. They have responded again asking for my social security number. My address is correct on my credit report yet I have received nothing from them. I believe this account and company to be fraudulent. I want to have this removed from credit report. They have not proven this is my account.
Company Response: Closed with explanation

Timely Response