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 41
2017-09-12
Northside, NC
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: Midwest Recovery System placed a collection - adverse account on my credit report on the behalf of XXXX XXXX XXXX. They state that XXXX XXXX XXXX deposited money into my account onXX/XX/XXXX in a checking account that I have opened since XXXX. They state that they deposited the money but could not get payment. That is not true!! Additionally, in XXXX someone filed taxes using my SS #. The IRS has since on annual basis issued me a pin to file taxes since they found my identity to be stolen. XXXX XXXX has never contacted me much less placed money in my account. There has n't even be an attempt to withdraw funds from my account or I would have definitely have addressed it. XXXX now refuses to provide proof of funds deposited into my account. Midwest Recovery System states they have no information to give and they even have an incorrect email address for me. I need proof of the deposits and the attempts they took to withdraw the repayment of the loan through my checking account. If they ca n't provide proof it needs to be removed from credit report.
Company Response: Closed with explanation
2017-09-09
Houston, TX
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
2017-09-08
MN
Took or threatened to take negative or legal action
Debt collection: I do not know
Threatened or suggested your credit would be damaged
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX Acct # XXXX To Whom It May Concern : This letter is regarding account # which you claim my account was charged off $ This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Company Response: Closed with explanation
2017-09-07
Phoenix, AZ
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Company Response: Closed with explanation
2017-09-07
Chicago, IL
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Complaint: Information was placed on my credit file on or about X/XX/2017, related to an unknown account. The information is incomplete and fails to conform with the laws related FCRA.
No notice was given prior to listing, a clear violation of the FDCPA. I have disputed this with the credit bureau and await the resolution.
Company Response: Closed with explanation
2017-09-07
Desoto, TX
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Company Response: Closed with explanation
2017-09-06
Washington, DC
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
2017-09-06
Atascocita, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: The aforementioned credit collection agency representing The XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Midwest Recovery Systems does not have any documentation, they need to retract this from my credit file immediately.
Company Response: Closed with explanation
2017-09-06
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: Midwest Recovery keeps copying and pasting a generic response and will not address my issue. This is a fraudulent tradeline on my credit report! They have failed to provide validation of this so called debit to " XXXX. '' It has been beyond 30 days and they are infringing on my rights per the FCRA. I will go the State Attorney and file a lawsuit. Remove this fraudulent tradeline from my report ASAP!
Company Response: Closed with explanation
2017-09-06
Fort Wayne, IN
Can't stop withdrawals from your bank account
Payday loan, title loan, or personal loan: Payday loan
Complaint: FAILED TO VALIDATE DEBT AND CEASE AND DESIST COLLECTION EFFORTS.
Company Response: Closed with explanation
2017-09-06
Anthony, IN
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation
2017-09-04
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: It HAS been thirty days, and I have received no proof of validation of this account. This goes against my rights under the FCRA. I have never had any contact with this business. I never received any documentation for the said debt from " XXXX XXXX ''. I am entitled to all documents in regards to this debt before it is reported. my rights were infringed and this needs to be removed as it is not validated and fraudulent. I will contact the state attorney if this is not removed! I asked for documentation XX/XX/XXXX and have not recieved anything as of XX/XX/XXXX. This company re reported to CRAs on XX/XX/XXXX YET DIDNT PROVIDE ME PROOF OF VALIDITY BEFORE IT WAS RE REPORTED! I do not owe this company, never had a signed contract with them. this is on my credit report in violation of 15 U.S.C. 1681. XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
PLEASE REMOVE TRADE FROM ALL CRAs ASAP!
Company Response: Closed with explanation
2017-08-30
Harsens Is, MI
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: XX/XX/XXXX sent doctumentation to dispute debt. Never recieved notice before placed on credit report.. I have subitted proof numerous times of not owing this debt. asked numerous times for proof of alleged payment on this debt.. ( check? credit card? what bank? ) because i NEVER made a payment on a debt I didnt owe.. False bills .. current charges when I havent lived there in over 4 years!!!
Company Response: Closed with explanation
2017-08-30
WV
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: I keep getting repeated phone calls from Midwest Recovery Systems about a debt I know nothing about. They keep asking for identifiable information from me, such as my SSN, address, and birthdate. They are calling almost daily and have been for over two months. Yet they refuse to disclose to whom thus debt is owed or in what amount. I have requested a validation letter, to no avail. We have spoken with supervisors with no help. When they call, the number comes up as a WV number, but when an online search is conducted, it shows they are located in Missouri.
Company Response: Closed with explanation
2017-08-29
Fort Pierce, FL
Took or threatened to take negative or legal action
Debt collection: Medical debt
Threatened or suggested your credit would be damaged
Company Response: Closed with explanation
2017-08-28
Crestview, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2017-08-28
Bywater, LA
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2017-08-28
Ft Lauderdale, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Complaint: I called the collection agency and was told that the medical bill was for someone other than myself, so I advised to remove this from my credit because its not be clearly.
Company Response: Closed with explanation
2017-08-26
Douglas, MI
Written notification about debt
Debt collection: Payday loan debt
Didn't receive notice of right to dispute
Complaint: I regularly check my XXXX and XXXX credit reports on XXXX. Recent check have discovered a collection placed by a company called Midwest Recovery Services for a payday loan from XXXX. Upon further inspection it appears the payday loan company is a scam. I have NEVER applied for nor received a payday loan from this company. I was also never notified of an attempt to collect this debt by Midwest except when it showed up on my report. I have submitted a Debt Validation letter via certified mail with no reply.
Company Response: Closed with explanation
2017-08-24
Meridian, ID
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Company Response: Closed with explanation
2017-08-24
San Diego, CA
Written notification about debt
Debt collection: Payday loan debt
Didn't receive enough information to verify debt
Complaint: Midwest Recovery Systems attempted to ding my credit by reporting to the three credit bureaus that I owed money on a payday loan. When I requested for said proof, they never provided. Therefore, they agreed to remove tradeline off my credit reports. And they did, for XXXX only.
The negative tradeline still shows on XXXXn & XXXX. Therefore, I request that they remove those negatives items, just as they did on my XXXX report. Therefore, I resubmit once again a complaint for them to do right. I should not have to complain with the CFPB every month to take care of this, this should have already been done. Thank You
Company Response: Closed with explanation
2017-08-23
Bham, MI
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2017-08-22
Las Vegas, NV
Communication tactics
Debt collection: Other debt
You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation
2017-08-22
Conyers, GA
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
2017-08-22
Harsens Is, MI
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: A debt collection from Midwest Recovery Systems in my name was put on all 3 credit reporting company 's. The collection attempt is for XXXX dollars on a account through XXXX XXXX company just opened a month ago. I live with my parents and have not had utilities in my name for 5 years. I also have never received anything in the mail regarding a debt and the chance of it being reported on my credit reports.
Company Response: Closed with explanation