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 37
2017-11-16
Lexington, KY
Threatened to contact someone or share information improperly
Debt collection: Payday loan debt
Talked to a third-party about your debt
Complaint: The individuals are presenting themselves as an attorney and are bombarding my geriatric parents with threatening messages via telephone. The reported on a message to my parent 's they would contact my employer.
Company Response: Closed with explanation
2017-11-16
Clarksville, TN
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
2017-11-16
Corinth, TX
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: I wrote a letter for validation of debt to company. Sent certified mail on XX/XX/XXXX. Midwest Recovery Systems received certified mail on XX/XX/XXXX @ XXXX. Failed to receive validation of debt from said company. Midwest Recovery Systems is in direct violation of Federal Law of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
Company Response: Closed with explanation
2017-11-15
Macclenny, FL
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Company Response: Closed with explanation
2017-11-15
Irving, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: This complaint was submitted previously complaint number : XXXX In the previous complaint the creditor stated a letter was sent to all three bureaus to have this deleted from my credit report ; however, this is still reporting on ALL 3 bureaus. I would like the letter to be sent directly to me as well as the reporting agencies. I think enough time has been allowed to get this removed.
Company Response: Closed with explanation
2017-11-15
Fort Pierce, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was paid
Complaint: XX/XX/2017 -- {$440.00} I received an email that something was added to my credit report. so, I logged my CR and this company added this collection. I disputed it and they sent me a validation letter on XX/XX/2017 with amount owed {$0.00}.
Company Response: Closed with explanation
2017-11-15
Sarasota, FL
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Complaint: XXXX XXXX XXXX has posted the same debt twice on my XXXX report.
Company Response: Closed with explanation
2017-11-15
TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I have 2 collections from Midwest Recovery on my credit report that arent mine. Same amount same day. {$400.00} on XXXX/XXXX/XXXX
Company Response: Closed with explanation
2017-11-15
False statements or representation
Debt collection: Payday loan debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2017-11-14
Ridley Park, PA
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Complaint: On XXXX XXXX 2017 midwest Recovery placed a derogatory item on my credit report without written notification of debt or attempt to collect a debt. I have no idea what this debt is for nor was I given any written notification of such debt before it was placed on my credit bureau report. This is a direct violation of FCRA 623 ( a ) ( 7 ) ( G ) ( i ). I attempted to dispute the debt through the credit bureaus ; however was told that the debt is valid but I am unable to obtain information as to what the debt is for or given the appropriate opportunity to dispute or pay. Based on my credit report information it seems to be a medical bill ending in XXXX and the lender information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. This is a direct reflection of UDAAP specific collection tactics as I should be provided notification before this is reported or at least 30 days after it being reported of what the debt is.
Company Response: Closed with explanation
2017-11-14
NJ
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Mid West Recovery Systems Re:XXXX XXXX XXXX XXXX Mid West Recovery is listed on my Credit Report Claiming that I Owe a Payday loan to Their Client XXXX XXXX, I never took out any sort of loan with this company, they are demanding payment for Something that never happened, When I went online and did some research in Both of these companies it seems that they are running this kind of Scam on plenty of People Also Payday loans Are not even legal in NJ, I have No documents to upload as I never took this loan and Midwest Recovery will not send me anything
Company Response: Closed with explanation
2017-11-14
Key Biscayne, FL
False statements or representation
Debt collection: Medical debt
Attempted to collect wrong amount
Complaint: On XX/XX/XXXX I noticed Midwest recovery systems on my credit report. I have been disputing the above reference debt for a while. I as the creditor for a copy of the final account statement issued by the original creditor, a breakdown of the total amount due, showing principal, interest, and other charges, and for all other charges the date and basis for each charge.
I disputed this charge because I did not recognize this debt and I do not owe any money to this creditor. I monitor my report and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid or in small amounts until settle.
XX/XX/XXXX I have not yet received a letter or original account statement issued by the credit nor a breakdown of the total amount due. I have provided my personal information as they requested ( address, social, date of birth ). The only response I received was an updated and duplicate charge of the same amount of {$960.00} on my credit report. To my knowledge this was a flag that this creditor has reported inaccurate information to my credit report and fail to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
XX/XX/XXXX I call again to check for updates. I never recieved the statement. The creditor offered me they can settle for {$500.00}. I explained to the creditor briefly what happen. My response below ; I seen this debt o my credit report at first I did not recognized it I disputed it. Then I decided to look at old text messages and realize I did go to the hospital and apologize. But the amount owed of {$960.00} is not accurate. I went to the hospital because I thought an XXXX was XXXX in my XXXX. My temperature was check XXXX XXXX and the doctor enter room to check in my XXXX to see it the soft was in there. Nothing XXXX XXXX XXXX I was touching my XXXX ( I felt XXXX ) I was discharge and sent home. Months late I see {$960.00} for a doctor just XXXX XXXX XXXX XXXX to check!. I ask the creditor can they help reveal the correct owed so I can resolve it. They denied. I ask for the original creditor information they denied.
The amount this creditor is asking {$960.00} is not correct. And they double reported after speaking with them and they said the computer made a mistake. The duplicate debt of XXXX was recently removed but the amount owed is not correct. Damage my score, stress me and at one point I was on a 3hr hold.
Company Response: Closed with explanation
2017-11-11
Kenai, AK
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I filed a complaint about this already ; however, the information is on all 3 credit reports. On XX/XX/XXXX I looked at my credit report from XXXX XXXX it showed a payday loan from Midwest Recovery Systems.
I do not recall ever taking out a payday loan from them or the XXXX the alleged original creditor.
I called all the numbers for Midwest Recovery Systems found on the internet and provided on the credit report, none are good working numbers.
I have never received a collection agency call or letter, a validation letter, a chain of title showing this collection agency owns this debt, nor a balance, it is fraudulent.
On XX/XX/XXXX I found that all 3 major credit reports show this debt.
Midwest violated the Federal Debt Protection Act by reporting a debt without sending me notice and verifying that in fact it is mine and the balance is correct and the statute of limitations has not run. This collection agency is operating in the shadows and does not seem to really want to resolve debt nor operate within the law. The company should be fined and this debt taken off all credit reports immediately.
Company Response: Closed with explanation
2017-11-11
Achille, OK
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Closed with explanation
2017-11-11
Atl, GA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2017-11-11
Hamburg, NY
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: I wish to file a complaint against a debt collection agency, Midwest Recovery Systems, for multiple reporting of the same collection on my XXXX report.
The collection was reported on my XXXX report on XX/XX/XXXX. It was also reported on my XXXX report at the same time.
I sent a dispute letter to XXXX on XX/XX/XXXX. Two weeks later I received a letter from XXXX informing me that the collection was deleted from my XXXX report.
I have since been notified that Midwest Recovery Systems reported the same collection on my XXXX report on XX/XX/XXXX, resulting in two identical entries of the same collection on one credit report.
Company Response: Closed with explanation
2017-11-11
Tarzana, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: I began receiving robo calls in XXXX. The calls were strange and said " A complaint has been filed against '' me. At first I thought it was a simple mistake, since I had not ( and still have n't ) received anything in writing. Then, family members, friends and my work said they began receiving these calls too. To the best of my knowledge I do not owe anyone anything and have been working on raising my credit score.
Then I received alerts from a credit monitoring service that this company has entered numerous credit entries on my three credit bureau files. These entries show an amount, that I do not owe XXXX {$620.00} XXXX, and show late payments for the month of XXXX and XXXX.
My credit score has plummeted.
Since I have not received any written communication from this company, I had to use the address entered into my credit files. I sent them a written request for the following : I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent They have not responded and it has been 30 days.
Company Response: Closed with explanation
2017-11-09
Salton City, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I had a debt with XXXX credit card. It went delinquent in XXXX and was charged off in XXXX. A new collection agency just put this back on my credit last month and is reporting the account going delinquent and charging off in XXXX so they they attempt to collect a debt that is no longer collectable. The debt had already been off my credit for years. I contacted them and they said they did not care and were going to collect.
Company Response: Closed with explanation
2017-11-09
Okc, OK
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Complaint: I was not aware and do not know why I owe Midwest Recovery Systems money. I have not received any notice of debt and was not given any opportunity to dispute it. I just found out about it because I have a credit notification service that provides me with information that helps me monitor my credit report and score. And I do believe that XXXX XXXX XXXX has already been notified by the consumer financial protection bureau once on my behalf and they corrected this problem.
Company Response: Closed with explanation
2017-11-09
Key Biscayne, FL
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Complaint: I received notices that a collection account from Midwest Recovery Systems LLC originally known as XXXX XXXX was now showing on my credit reports for {$890.00} as of XXXX/XXXX/XXXX. It is also showing twice on my XXXX report. I have never been notified by this company about an outstanding debt, they just placed a collection on my report and started calling and leaving me messages on my phone.
Company Response: Closed with explanation
2017-11-09
Strasburg, VA
Written notification about debt
Debt collection: Payday loan debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2017-11-09
Kenai, AK
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: On XXXX XXXX, XXXX, I checked my credit score which showed a payday loan in collections from Midwest Recovery.
On XXXX XXXX, XXXX, I tried contacting the debt collection agency by phone to verify this debt check the statute of limitations, original creditor and ask for validation including all transactions. All phone numbers listed for this company are out of order.
I do not recall obtaining a payday loan. I need this off my credit report. I need this company to verify and validate, they have violated the FDCA.
Company Response: Closed with explanation
2017-11-07
Jupiter, FL
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Complaint: I have ask this company to send me a validation of debt but I have yet to receive one so I dispute thru the credit bureaus instead and they proceeded to place the same debt back onto my credit report twice. This company is so unprofessional and a complete fraud and do not know how to conduct business correctly.
Company Response: Closed with explanation
2017-11-07
Topeka, KS
Communication tactics
Debt collection: I do not know
Used obscene, profane, or other abusive language
Complaint: on XX/XX/XXXX Midwest recovery placed a collection on my XXXX report. I disputed the item with the credit agency, the consumer financial protection bureau and the company. I asked the company to provide me a historical payment history and the original contract terms. the company refused. XXXX gave the Midwest recovery systems 30 days to respond to my request or the item would be deleted. Midwest recovery never responded to the request from XXXX and the item was deleted from my credit profile. On XX/XX/XXXX, Midwest recovery systems illegally re-aged the collection account and reentered it again on my credit report with out notifying me of the new collection effort. Midwest recovery systems has called my job and asked for my personal information. Midwest recovery systems has also contacted my father and threatened to have me arrested if i did not pay this item. I am being harassed by this company and i would like some action to be taken.
Company Response: Closed with explanation
2017-11-07
Dickel, TN
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