Midwest Recovery Systems

2017-04-26

Melbourne, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt was result of identity theft
Complaint: TODAYS DATE : XX/XX/XXXX XXXX , XXXX XXXX SOC SEC # XXXX DOB XXXX / XXXX / XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX , FL XXXX MIDWEST RECOVERY SYSTEMS, LLC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) A pplicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragrap h ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit - - ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious MIDWEST RECOVERY SYSTEMS, LLC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX , XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court f or the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report TODAYS DATE XX/XX/XXXX XXXX , XXXX XXXX SOC SEC # XXXX DOB XXXX / XXXX / XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX , FL XXXX
Company Response: Closed with explanation

Timely Response

2017-04-24

Memphis, TN

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: In XXXX XXXX a collection of XXXX was added to my credit reports. Company never notified me through mail, phone or email. Debt just appeared on my credit reports. After filing a complaint midwest recovery systems removed collection. However the debt is now back on my report. XXXX reporting as open. This is not my debt.
Company Response: Closed with explanation

Timely Response

2017-04-24

Memorial Square, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-04-21

Grovespring, MO

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Complaint: Multiple requests have been made to MIDWEST RECOVERY SYSTEMS , LLC for p roof of debt required by federal law, but the company has refused to submit proof in writing. They continue to report a 7 year old debt to credit reporting agencies, but they will not provide verification.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-19

Brooklyn, NY

Communication tactics

Debt collection: Payday loan

Threatened to take legal action
Complaint: I HAVE BEEN RECEIVING CALLS FOR THE LAST 3-4 YEARS ABOUT THIS DEBT. EACH TIME I ASK TO BE SENT PROOF THAT I OWE THIS DEBT AND I NEVER RECEIVE IT, THEY JUST KEEP MOVING IT TO DIFFERENT COLLECTION AGENCIES AND THEN THE CALL START OVER.ITS BEEN MANY YEARS AND STILL NO PROOF EXIST THAT I OWE THIS DEBT.
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2017-04-18

Detroit, MI

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Midwest Recovery System are attempting to collect a debt that I have no knowledge of. I contacted this company to ask questions about this account. She told me that the account was opened on XXXX XXXX XXXX . She was n't able to give me much detail about the account. All she knew that it was from XXXX XXXX . I had never heard of XXXX XXXX . I stated that I wanted to look this company up to get some information because I had no knowledge of this account they are trying to collect on almost 7years later. She tried to offer me a settlement, I would n't accept the settlement because I was n't taking responsibility for the account that I had no knowledge of.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-17

Jupiter, FL

Disclosure verification of debt

Debt collection: Medical

Right to dispute notice not received
Complaint: No Notice was mailed account appeared on my credit report cause my score to drop no knowlede of this account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-04-17

Orion Twp, MI

Received a loan I didn't apply for

Payday loan:

Complaint: This debt is not mine ( Midwest Recovery Systems ) and my identity has been stolen by this company operating under the name of XXXX XXXX XXXX XXXX XXXX at least twice now. The first time I paid them because their phone calls were abusive and threatening ; this was in XXXX . In the past years I have had numerous abusive, vulgar and threatening phone calls from this same company. I have filed 3 Police Reports regarding the phone calls and my most recent stolen identity with this company. I have also contacted the Attorney General, XXXX XXXX regarding the numerous times this company has threatened me and EXTORTED money from me. In researching this company I found out that Midwest Recovery Systems works with XXXX XXXX XXXX and XXXX XXXX XXXX is outlawed in many states including New York and Washington state. There are numerous complaints filed online regarding this company and how they threaten to arrest, prosecute, show up at your house, call you vulgar names ( they called me a " XXXX '' and a " XXXX '' ). I 'm TERRIFIED! THIS MUST BE TAKEN OFF MY CREDIT REPORTS, PLEASE HELP!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-04-15

Axson, GA

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Complaint: I have contacted Midwest recovery several times. I advised them the account was not mine and have sent several verification letters. Midwest Recovery will not send me verification of the debt that 's has my signature NY drivers license or anything I have asked them to verify. They have someone else 's name and it keeps reporting on my credit report. Then I disputed the account and it has taken longer then 30 days since I did the dispute. I also sent a copy of my police report and they are still reporting this fraud account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-04-15

San Diego, CA

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: Yes Timely Response

2017-04-14

Fort Worth, TX

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt is not mine
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2017-04-14

Evesboro, NJ

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2017-04-13

Hilo, HI

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-10

Schenectady, NY

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: I XXXX makes a claim with the Consumer Financial Protection Bureau ( CFPB ) that the following attached attempt to collect a debt is highly fraudulent. My personal information is being floated in what is known in the debt collection business as a " Debt Pool '', whereas collection information is outdated and not even enforceable. The attached collection from Midwest Recovery Systems does not state that the debt is no longer enforceable, a stipulation by the Federal Trade Commission. The method of an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act can not be tolerated. In Federal Trade Commission v. XXXX ( XX/XX/2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria are as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, if the debt is collectable. 3 ) The validation of debt ownership must be proved, without exception. There is no statement on the attached collection that the debt is no longer enforceable. The collection agency stipulates that XXXX obtained a judgment against me. By legal mandate, the docket number of the judgment must be listed as well as what county clerk 's office the judgment is filed with. In this case, there is no judgment. The statement saying " This judgment may be forwarded to an attorney for execution '' is a complete falsehood. There can not be a lawsuit as the legal time limit to enforce a summary judgment action has passed. Even though the collection letter states that illegal, abusive, deceptive and unfair debt collections are illegal, this collection in its entirety is just that, a deceptive illegal attempt to collect a debt that is no longer enforceable. I demand that all my information be purged immediately by Midwest Recovery Systems and XXXX, and that the Consumer Financial Protection Bureau ( CFPB ) take the necessary steps to sanction both companies for using such abusive collection tactics.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-10

Indianapolis, IN

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: I filed a dispute with XXXX weeks ago against Midwest recovery never had a pay day loan and I believe someone stole my identity. I 'm in the middle of a getting approved for a house and than this happens please help. It lowered my credit score by XXXX points and it 's not mine.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-10

Washington, DC

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: I have never owed a debt to this company and they are harassing me. This is a scam.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-08

Cocoa, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: MIDWST RCVRY XX/XX/XXXX Address : XXXX, MO XXXX Toll-Free : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify MIDWST RCVRY or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission MIDWST RCVRY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-07

Hazlehurst, GA

Incorrect information on credit report

Credit reporting:

Account terms
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-07

Wilson, NC

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-06

Greer, SC

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-04-06

Ridley Park, PA

Can't contact lender

Payday loan:

Complaint: Pay day loan lender is prohibited in my state when I advised I could no longer pay high interest fees and advised that web pay day loans are prohibited in the state of PA they kept calling and harassing me about paying the loan. Now they have reported on my credit in collection. My credit score has been significantly effected by this, and I may not be able to qualify for Home loans to purchase a house.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-04

Glenarm, IL

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-03

Plymouth, FL

Charged fees or interest I didn't expect

Payday loan:

Complaint: This loan is illegal in the state. They have this on my credit report and would like it to be removed.They never sent me any verification of this debt. When I would receive harassing phone calls at work and at home. I sent them a ceased and desist letter. And now it 's on my credit report. As Midwest Recovery System. I do n't have this loan. and owe them nothing. XXXX is what is owed. Please look into this matter. Thank you, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-01

Rowlett, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-04-01

FL

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: They claimed I owed a doctor. I paid them ; gave them my routing number and checking account. They said they would remove the debt from my credit history. I did not check ... They said I would receive an email. No email. So far, no money taken out, but now I am subject to identity theft. Company is Midwest Recovery, and they can not be reached.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response