Midwest Recovery Systems

2019-09-25

Hollywood, CA

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-09-23

Mabank, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Collection amount of {$360.00} from Midwest Recovery Org. creditor XXXX XXXX not sure what this is for ... I am a current XXXX XXXX XXXX XXXX season pass holder for my daughter who is still at home. Had the pass since 2013 over the years and taken kids off as they moved to college.
Company Response: Closed with explanation

Timely Response

2019-09-22

Bronx, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I don't owe this debt from XXXX XXXX fraud
Company Response: Closed with explanation

Timely Response

2019-09-21

OH

Incorrect information on your report

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

Information belongs to someone else
Complaint: I just found out about this on my report about two weeks ago and didnt really know what to do about it the account says open on XX/XX/2019 in the amount recorded on my credit report says {$230.00}. Now I have no knowledge of the company or services rendered. So after i noticed this on my report i began looking for my SS card which i have now noticed is also missing. After coming to this website i will be contacting the company in question but i also wanted to file a complant for identity theft as well because I truly believe that is what is going on with this account.
Company Response: Closed with explanation

Timely Response

2019-09-20

AL

Incorrect information on your report

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

Information belongs to someone else
Complaint: I received notification on my XXXX, XXXX, and XXXX report that a Midwest Recovery System or Midwest Recovery System, LLC had reported a collection on me in the amount of {$500.00}. I sent a certified letter asking for proof of the debt on XXXX XX/XX/2019. I sent it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. It was forwarded to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. It was marked return to sender XXXX XX/XX/2019. Since this time, the address and contact information on my credit report has either been changed or deleted. I called when the letter returned to my mailbox and asked that they provide a proper address for me to communicate with them. The person on the phone only tried to get my personal information. ( account numbers, email address, last four of my ssn, where I work, etc ) I did not use this company which they report on two credit reports as XXXX and on the other as 12 XXXX. I feel this is fraud. It has caused my credit score to drop significantly, and this appeared only after I had started doing so well with cleaning up my report. The letter that I was sending merely asked them to provide me proof of the debt so that I could make a sound decision on what steps to take next.
Company Response: Closed with explanation

Timely Response

2019-09-20

Fort Lauderdale, FL

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

Timely Response

2019-09-19

Lb, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I am not familiar with this item and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is not my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you. * 1 ) XXXX - NO BALANCE LISTED- there is also 2 different open dates on different bureaus from XX/XX/XXXX - XX/XX/2017 this is therefore inaccurate information as well.
Company Response: Closed with explanation

Timely Response

2019-09-18

Arlington, VA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: These debt are not mine. They seem like they maybe payday loan and I have never take a payday loan. They will not mail me any information and all this was via phone calls. XXXX XXXX XXXX XXXX Midwest Recovery Systems
Company Response: Closed with explanation

Timely Response

2019-09-18

Garland, TX

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2019-09-14

Ft Lauderdale, FL

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Complaint: XX/XX/2019 Midwest Recovery Systems charged me a balance of {$1400.00}. I do not know who these people are and what type of company this is. I tried calling there customer service hotline many times but was only able to reach an emergency department. I believe this to be a very fraudulent use of my identity and credit report. And I need this issue to be resolved in a quick and timely manner.
Company Response: Closed with explanation

Timely Response

2019-09-13

SC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I contacted Midwest recovery systems on XX/XX/19, XX/XX/19 and again on XX/XX/19 concerning a fraudulent account that was placed on my credit report by their company. I have spoken to a representative and explained that this is a fraudulent account. I have emailed correspondence to include my police report, identity theft affidavit and a copy of utility bill and still this company has not responded to my concerns. This company never contacted me via written correspondence and illegally placed the information on my credit bureau report. The company status has been revoked by the XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-09-13

Eight Mile, AL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.
Company Response: Closed with explanation

Timely Response

2019-09-12

PA

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: I noticed on my credit report that I had an account go into collections on XX/XX/XXXX. It is from service received for an emergency room visit on XX/XX/XXXX in the amount of {$550.00} & I have not been notified of this debt to this day. I do not remember going to the ER during this time. No phone calls were made to me or any forms of communication except reporting it on my credit report. I have had a new residence since XX/XX/XXXX which has been properly reported to the state & local post office. Now it is on my credit report showing as a negative & derogatory account in collections. I am the one who reached out to Midwest Recovery Systems when i noticed it on my report today XX/XX/XXXX to resolve & asked politely for them to remove it from my history because to my knowledge it is past the statue of limitations of when they can try to actively pursue this debt & they refused, the response was they have 7 years. It took Midwest Recovery Systems - 6yrs. 1mo. to report this debt & i believe it is inaccurate & past the statue of limitations of which they are allowed to handle & pursue this debt. I also do not believe this debt is mine to owe regardless & they could not provide any paperwork, only the date of service.
Company Response: Closed with explanation

Timely Response

2019-09-12

Las Vegas, NV

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: MIDWEST RECOVERY SYSTEM ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$650.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Company Response: Closed with explanation

Timely Response

2019-09-11

Lb, CA

Took or threatened to take negative or legal action

Debt collection: Payday loan debt

Threatened or suggested your credit would be damaged
Complaint: Midwest Recovery Systems representing XXXX XXXX ' XXXX has repetitively sent correspondence demanding payment for an unknown debt. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2019 XXXX XXXX ' XXXX {$310.00}
Company Response: Closed with explanation

Untimely Response

2019-09-06

San Antonio, TX

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: XX/XX/XXXX I received an alert of a new collection on my credit file-XXXX XXXX XXXX in the amount of {$750.00} owner to a company XXXX XXXX XXXX XXXX XXXX. I have disputed this last year and the company name then was XXXX XXXX-it was removed the account from my credit files. Here we are again. I contacted the company on XX/XX/XXXX with no resolution. I have not applied for a loan from either of the similarly named companies.
Company Response: Closed with explanation

Timely Response

2019-09-06

Rochester, OH

Written notification about debt

Debt collection: Payday loan debt

Didn't receive notice of right to dispute
Complaint: As ascribed and written to Midwest Recovery Services : To Whom It May Concern : THIS IS NOT MY DEBT. MORE IMPORTANT, I AM NOT AWARE OF YOUR ORGANIZATION OR CLIENT. Effective XX/XX/XXXX, under the Fair Debt Collection Practices Act, there has been no debt letter, confirmation of debt or opportunity to rebut alleged debt. Furthermore, noticed this collection on personal credit report. After a request for debt validation, this errant reporting constitutes an illegal continuation of collection activity. Again, since there was no opportunity to challenge or validate this debt ; under section 809 ( b ) of the FDCPA, following a request for debt validation, collection agencies must cease its collection effort ( s ). Your organization is in violation of the FCPDA, and subject to fines of {$1000.00}. Plus, actual damages and attorneys fees, which I opt to collect ( via small claims court ). This illegal collection activity has caused severe problems ; thus, prospective awards-resulting from damages incurred-need be substantial. Again, the Fair Credit Reporting Act ( FCRA ) does not allow inaccurate reporting of information on a credit report. Therefore, if not IMMEDIATELY removed, your organization is subject to aggressive punitive action. Your legal staff will agree that non-compliance with this request places you your organization in serious legal jeopardy. Finally, in XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), that you are liable for willful non-compliance. Failure to provide original contract, without any alterations, mark, stamps and bearing my original signature has resulted in a claims action against Midwest Recovery Systems. I now seek {$5000.00} ( XXXX XXXX dollars ) in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and the Fair Debt Collections Practices Act as applicable. Failure to satisfy this request in accordance with the legal principals of estoppel is understood as a waiver of any and all claims against me ; and facilitates a tacit agreement to compensate me for costs and attorney fees. NOTE : YOU MAY NOT CALL. ANY CORRESPONDENCE NEED BE WRITTEN. ALSO, MIDWEST RECOVERY SERVICE IS NOT LICENSED TO CONDUCT COLLECTION ACTIVITY IN OHIO. MOREOVER, DUE TO SIMILAR UNRESOLVED COMPLAINTS ( AGAINST MIDWEST RECOVERY SERVICES ), THE BBB HAS REVOKED ITS PARTICIPATION. Cordially, XXXX XXXX XXXX Cc : Credit Reporting Agencies and Bureaus : XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX
Company Response: Closed with explanation

Untimely Response

2019-09-05

Longs, SC

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

Timely Response

2019-09-05

Pittsburg, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-03

AR

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: On XXXX after receiving an alert regarding an account appearing in my XXXX credit file, I immediately contacted midwest recovery systems regarding a debt from a Mastercard claiming that owe {$670.00} I explained to the representative I never owned a mastercard and that I had been a victim of identity theft. I asked the rep whom did midwest recovery systems purchase the debt from which he insisted the debt was owned by a company named XXXX XXXX etc. In addition I informed the rep on the phone I never received any initial 5 day notice from the owner of the debt nor any correspondence regarding this debt which is another violation of FDCPA.
Company Response: Closed with explanation

Timely Response

2019-09-03

Houston, TX

Attempts to collect debt not owed

Debt collection: Medical debt

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

Timely Response

2019-09-02

Key Biscayne, FL

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-09-02

Denham Spgs, LA

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

Timely Response

2019-09-01

Galena, OH

Written notification about debt

Debt collection: Payday loan debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/XXXX, I received a robotic message from a collections company claiming to be Midwest Recovery LLC. My mother and husband received similar calls for me from this company. I had no communication from them prior to this date. The same date, my XXXX and XXXX credit reports showed collection accounts with this company. I know this is not legal. No notification of this alleged debt, no information until the date you report it? What about my right up dispute the validity of the debt? The next day, the account was on my XXXX account. I have no collection accounts on my credit report. I have good freedom. I believe this company seeks out those in situations like mine do they can bully them into paying a fraudulent account. They know they care about their credit. I called the company on the morning of XX/XX/XXXX, anguished about my now tarnished credit. Before I could get two words out, the representative told me the debtor would accept less than 50 % settlement and delete it from my credit. To me this proves this company is fraudulent. Why wouldnt you want the full amount I owe and why would you use credit deletion as a bargaining tactic? I didnt ask for it. You offered because you get people to pay just to get it off their reports. You are bottom feeding snakes. Disgusting! The account is not mine. I have a military spouse. That makes me ineligible for these types of products. I have not taken a payday loan. I literally have 15 credit cards. I don't need a payday loan! The checking account number they provided in which the alleged funds were deposited is not mine. I have been employed with XXXX XXXX for 12 years so I have an account with them and XXXX XXXX. I almost offered to pay just so they would take it off my credit. I almost fed into their deceitful tactics. This is UDAAP at its finest. But I refuse to let them get away with this. There are so many online complaints from other people with the same story. You should be ashamed of yourself, Midwest Recovery!
Company Response: Closed with explanation

Timely Response

2019-08-30

Gloucester City, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: As of the date of this letter has MIDWEST RECOVERY SYSTEMS, LLC has violated FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days, have also violated Section code 605 ( b ) Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 )
Company Response: Closed with explanation

Timely Response