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 35
2017-12-11
IN
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Complaint: XX/XX/2017 - I receive an alert from XXXX XXXX about this collection showing up on my credit report. I do not owe nor have I taken a loan out with XXXX XXXX XXXX XXXX of which Midwest Recovery Systems is trying to collect on. There has been no letters of any debt collection from XXXX XXXX XXXX. There is also no data in the fields on my credit report reflecting anything other than a balance owned and with an unknown open date. Review on the internet shows an increase in XXXX XXXX users receiving a collections account being posted from Midwest Recovery Systems for debts that are not theirs. XXXX XXXX XXXX XXXX would be violating the Indiana Code for Payday loans based on the amount they are claming is due.
Citation : Ind. Code 24-4-4.5-7-101 et seq.
Company Response: Closed with explanation
2017-12-11
Las Vegas, NV
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2017-12-11
Magnolia, TX
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Complaint: After reviewing my credit report, I show an account was listed with Midwest Recovery Systems.
I have never done business with them or received any type of communication from them it just showed up on my report. I have the right to see a signed contract between Midwest Recovery Systems and myself.
. I would like a signed validation of debt. Another company 's bill is not proof of a debt with your company.
1 ) An explanation of what this alleged account balance is for.
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
3 ) Documentation that shows I agreed to pay this debt.
4 ) The Agreement that grants you authority to collect on this alleged debt.
5 ) A copy of your state license, including license number.
Company Response: Closed with explanation
2017-12-10
OH
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was result of identity theft
Complaint: There is a negative collections on my account that I am unaware of : Collections Co : Midwest Recovery System Original Creditor : XXXX XXXX XXXX Date of first Delinsquency : XX/XX/XXXX Date of Assigned to Collections : XX/XX/XXXX Amount owed : {$120.00} This is the first action that I have taken.
Company Response: Closed with explanation
2017-12-10
Charlotte, NC
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Company Response: Closed with explanation
2017-12-09
Thompsons Station, TN
Took or threatened to take negative or legal action
Debt collection: I do not know
Threatened or suggested your credit would be damaged
Complaint: According to Tennessee state licensure verification, Midwest Recovery is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XXXX XXXX. The amount is for {$840.00}.
Company Response: Closed with explanation
2017-12-08
Thompsons Station, TN
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: According to Tennessee state licensure verification, Midwest Recovery is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XXXX XXXX.
Company Response: Closed with explanation
2017-12-08
Gretna, LA
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Complaint: XXXX XXXX XXXX appeared on my credit report. I contacted the company several times to explain that the debt does not belongs to me and to please remove. I attempted to call XXXX to ask them to remove the debt because it was not my debt as well but I was told that they can not remove a debt that I must go through the company. I have exhausted all options to resolve this unauthorize debt.
Company Response: Closed with explanation
2017-12-08
Portland, OR
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I was called by someone from an unavailable number who claimed they were collecting a debt for a creditor I had never heard of from 2013. They said they were Midwest Recovery according to them. The man told me I had to pay approximately {$1000.00} or he would be reporting me to all 3 credit bureaus. I told them I had not done business with the company he claimed to represent. He told me I took out a payday loan several years back, which was not true. I told them I do not do payday loans. I told him to please follow the debt collection process and send me written notice with the creditor information. They did not send anything. I told him I was not going to talk to someone from an unidentified number ; and a reputable debt collector will send me proper notice and does n't block their phone number. I got told I would have agents appear at my work if I did n't pay. Then a collection action appeared on my credit report from them for {$1000.00}. I looked them up online and they have apparently been doing this to many people. They violate the Fair Debt Collection Practices Act and are impacting my credit for a scam.
Company Response: Closed with explanation
2017-12-08
Lansing, MI
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I have contacted this company Midwest Recovery Systems asking them to validate this debt with original documentation however at this point nothing has been received. It is listed on my credit report two times with identical account numbers yet two different amounts. As far as I am able to determine as if this is not egregious enough, I am unable to locate a license to collect in Michigan as required by law for this Company or any of the other companies with the same or similar names. This is causing a great hardship and I would like them to remove and DELETE these fictitious and possibly fraudulent entries on my credit reports from XXXX, XXXX and XXXX along with any other third parties. Placed on my reports for {$1000.00} and {$740.00} XXXX XXXX and XXXX XXXX.
Company Response: Closed with explanation
2017-12-07
Inglewood, CA
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt was paid
Complaint: I have contacted representatives of this company since XXXX of 2017 to remove there report of a debt the was already paid to their client prior to them contacting me. I have been threatened, called a liar and fraudulent when asked to provide them with my proof after being declined. They have no interest in resolving this issue professionally and never sent me any documents prior to my knowledge of them nor after requestesting all information in regards to this debt they claim I still owe. Their client, XXXX XXXX XXXX is no where to be found on BBB or online anywhere yet they refuse to remove the negative reports to credit bureaus. Whenever i seethe words of lawyer, lawsuit, original documentation, I am hung up on. This isnt right!
Company Response: Closed with explanation
2017-12-07
Detroit, MI
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: This collection agency is n't licensed in my state and I am requesting it to be removed from all three credit bureau.
Company Response: Closed with explanation
2017-12-06
Saint Louis, MO
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2017-12-06
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: I received an alert of my credit being negatively impacted by an entry made by XXXX XXXX XXXX in the amount of {$1400.00} on XXXX XXXX. I have NEVER received anything in writing from this company to show that I owe them nor have I received any notice showing that I have the right to dispute. When I looked up this company in your database, a suggested name came up of Midwest Recovery Systems. Once again, I have NEVER received ANY letter from said company either.
Furthermore, I do n't have any contracts with XXXX XXXX XXXX nor Midwest Recovery Systems nor XXXX XXXX XXXX XXXXXXXX.
It is not now, nor has it ever been my intention to avoid paying any obligation that I lawfully owe.
Company Response: Closed with explanation
2017-12-06
Archers Lodge, NC
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Company Response: Closed with explanation
2017-12-05
IA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: False information on credit report with XXXX. They did n't remove it but the debt is not mine, never has been. No contact has ever been made by by the company -- -scam. Midwest recovery systems needs to remove this.
Company Response: Closed with explanation
2017-12-05
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: AGAIN, Midwest keeps copying and pasting responses that have NOTHING to do with the root inquiry. I have told Midwest several times to stop adding fraud trades to my CRA files yet they keep doing it infringing on my rights covered by the FCRA. I WILL PURSUE LEGAL ACTION IS THIS IS NOT STOPPED AND THE TRADE IS NOT REMOVED. I have NEVER received any validation paperwork or phone call from Midwest in regards to this so called XXXX XXXX debt that I am entitled to review BEFORE it is put on my files. This is fraud and for your convenience, I have attached my identity theft form. REMOVE THIS TRADE ASAP!
Company Response: Closed with explanation
2017-12-05
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: Yet again, this company has popped up on my credit report! I am a victim of identity theft and all three CRAs have this listed on my report. XXXX has added yet another fraudulent trade to my file entitled " VIP CASH '' I never had any contract with XXXX or this so called VIP CASH company. I never received any VALIDATION paperwork to my address that shows my signature on any contract. This fraud trade needs to be removed ASAP. And XXXX needs to stop infringing on my rights as covered under the FCRA!! I will pursue legal action if this is not removed
Company Response: Closed with explanation
2017-12-05
Brooklyn, NY
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Closed with explanation
2017-12-04
OH
Written notification about debt
Debt collection: Payday loan debt
Didn't receive notice of right to dispute
Complaint: I was notified by a credit monitoring service that a new collection was placed on my credit report on XXXX/2017 by Midwest Recovery Systems. I have never received information regarding the account or the pay day loan Midwest Recovery Systems are attempting to collect. Midwest Recovery Systems failed to allow time to dispute the debt prior to reporting to the credit agencies.
Company Response: Closed with explanation
2017-12-02
Ocklawaha, FL
Incorrect information on your report
Payday loan, title loan, or personal loan: Payday loan
Information belongs to someone else
Complaint: A collection was added on my credit report from XXXX XXXX XXXX for a payday loan in the amount of {$820.00} from XX/XX/2013 that I did not borrow causing my credit score to go down. I dispute this with XXXX XXXX & XXXX but it is still on my credit report. I tried calling the company, it rings twice and then nothing, dead air.
Company Response: Closed with explanation
2017-12-01
Cloverly, MD
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Closed with explanation
2017-12-01
Saint Paul, MN
Incorrect information on your report
Payday loan, title loan, or personal loan: Payday loan
Account status incorrect
Company Response: Closed with explanation
2017-11-30
Charleston, SC
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2017-11-29
Galena, OH
Written notification about debt
Debt collection: Payday loan debt
Didn't receive notice of right to dispute
Complaint: on XXXX/XXXX/XXXX Midwest Recovery Systems, XXXX placed a collection item on my XXXX credit report and then on XXXX/XXXX/XXXX they contacted me by phone about an installment/payday loan (? ) from XXXX XXXX XXXX. At that time I indicated that I had no knowledge of this debt and requested that they send me something in writing so I could investigate. They only thing they wanted to reference ( verbally ) was an IP address which means nothing to me.
It 's now XXXX/XXXX/XXXX and I still have n't received anything in writing from them. It 's my understanding that they must send me something in writing within 5 business days of initial collection action/contact.
Ironically, on my credit report there 's already a notation that this is disputed and I did n't file this. I 'm assuming that it was done by XXXX, but I do n't know.
Company Response: Closed with explanation