Midwest Recovery Systems

2017-03-30

Phila, PA

Cont'd attempts collect debt not owed

Debt collection: Medical

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

2017-03-29

Eagle Pass, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

Disputed: No Timely Response

2017-03-26

Deltona, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-25

CT

Taking/threatening an illegal action

Debt collection: I do not know

Threatened arrest/jail if do not pay
Complaint: The company Midwest Recovery is making claims of taking me to jail and sending a Marshall to my job and home if I do not pay. I never took out a loan with the Midwest Recovery.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-23

NJ

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: This is my second request for " validation of debt '' in regards to this account. Why am I having to send a SECOND REQUEST? If you are confident enough in the accuracy of this account 's content to report it to the credit reporting agencies, why are you unable to honor my request in a timely manner? This is a simple request of validation that should be easily provided and not a refusal to pay. Would you just pay anybody just because they said you owed them? I work too hard for my money to just hand it away without sufficient proof that I am the correct debtor and am being billed the correct amount. The fact that it is taking so long for you to validate, makes me think that you are stalling due to not having proper documentation. I am formally and once again requesting a validation of the aforementioned debt. I would like to see : Copies of any signed documentation obligating me to pay this alleged debt. The name, address, and phone # of the original creditor, since you are a third party collection agency. Proof that you are authorized to collect this debt on behalf of the original creditor. A detailed history of ALL transactions on this account including but not limited to all payments, refunds, interest, fees, etc.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-23

Dunnellon, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: I am in receipt of my credit report dated XX/XX/2017 attempting to collect a debt from me. I am for certain that I do not owe your company any money. I have never done business with you. In fact, i had never heard of your company until having received my credit report. What I find strange is your attempt to collect the debt with me when I do n't owe you any money in the first place! Please see this notice as me disputing this alleged debt with your company as well as requesting debt validation. Send me legal supporting documents bearing that I 've done some type of business with you, hence owing you money. Also the State of Florida requires any collection agency to be licensed and bonded to collect in the state of Florida and your company is in violation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-03-23

MO

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: I received a response from the collection agency that they have ceased making contact with me but I just received another call. These egregious collection efforts for invalidated/paid debt need to stop. Otherwise I will seek punitive damages!!!!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-23

MO

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt was paid
Complaint: I do not owe a balance with XXXX XXXX XXXX XXXX which Midwest Recovery is attempting to collect on behalf of. My son was recently seen as indicated on the receipt and the account is up to date.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-22

Leh, NJ

Cont'd attempts collect debt not owed

Debt collection: Payday loan

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

Disputed: No Timely Response

2017-03-20

Atlanta, GA

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt is not mine
Complaint: I have tried to contact the company via mail on 3 occasions and no response. They call and threaten me with lawsuit but when I ask for proof of debt they hang up.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-17

Wallington, NJ

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: As of my knowledge, collector attempting to illegally collect the debt which I do not owe. Letter requesting validation of the debt will be send via certified and first class mail.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-09

MA

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: I have a XXXX charge in collections on my credit report that is not mine. I have tried to call the company several times and get a voice mail were I have let numerous messages with no response. I would like this removed from my credit report which is affecting my score. I have never gotten any bills or documentation of this charge.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-05

Philadelphia, PA

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt is not mine
Complaint: I have never applied for a payday loan from XXXX. This item is showing up on my credit report and is being collected by MIDWEST RECOVERY SYSTEMS.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-02

Bloomfield, CA

Communication tactics

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

Frequent or repeated calls
Company Response: Company believes it acted appropriately as authorized by contract or law Closed

Disputed: No Timely Response

2017-03-02

Leming, TX

Cont'd attempts collect debt not owed

Debt collection: Payday loan

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

Disputed: No Timely Response

2017-03-02

Key Biscayne, FL

Incorrect information on credit report

Credit reporting:

Reinserted previously deleted info
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-03-01

Corpus Christi, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Looking at my credit report there is a loan I did not get.I called XXXX XXXX corporate office, talked to a XXXX and a supervisor after much investigating they could not find anything with my social or name.They asked me to call Midwest Recovery the collector, The woman XXXX was very rude, when I told her my situation she said XXXX would not have my information cause the loan was sold.I asked when and where the loan was taken out she said XXXX XXXX my well I have never been there, after several attempts of going back and forth XXXX XXXX advised me to file with YOU
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-28

NY

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt resulted from identity theft
Complaint: On Saturday, XX/XX/2017 at XXXX a.m., I checked my credit score as a regular action as I frequently do. I was proudly checking to see if since I have made a year of perfect payments as of XX/XX/2017 on my very first auto loan, if any thing positive point-wise happened. I have worked very hard to keep my payments on time, on top of setting up payment arrangents for at-fault debts. Upon opening my XXXX app on my cell phone, I noticed that my score instead of increasing, has actually dropped by XXXX points. I was very confused and scrolled down to see why ; only to find that I was charged a single ( I believe ) defaulted medical payment for XXXX $ from an agency called Midwest Recovery Systems. It immediately raised an eyebrow as I have NOT been contacted by this agency prior to it just being thrown to my credit report, on top of which was the most concerning is I have n't even had so much as maybe one doctor 's visit in the past year! And I was very diligent prior to the dr. visit of checking my insurance because I did n't have the funds for out of pocket expenses.I did some searching online to find that not only myself have experienced this issue with this " company, '' but numerous reports - ( XXXX Reports noted by the XXXX as of this day ... which inidicates the number of consumers that have been negatively/wrongly affected ) - There are reports I have read from even the beginning of THIS month ranging from the same amount as mine all the way to nearly XXXX XXXX This company is fraudulent and they are hurting innocent people and causing a lot of time consuming headaches. I have, prior to this submission of a formal complaint through CFPB reported the fraudulent charge to XXXX who has already deleted the " account '' from my report in less than a day. This is shameful for someone to actively target people for no reason.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-28

Gilbert, AZ

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

2017-02-27

Sacramento, CA

Taking/threatening an illegal action

Debt collection: Payday loan

Threatened arrest/jail if do not pay
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-27

Harsens Is, MI

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt is not mine
Complaint: Visited XXXX today and noticed a collection from Midwest Recovery Systems for {$770.00} representing the original creditor XXXX XXXX XXXX ( out of business per BBB ). This is obviously not my debt, when looking up the Payday Loan company that they say I got this loan through, all comments and reviews are it being a scam Payday loan company using threats to get money for unproven loans. I will be contacting all XXXX credit bureaus, the CFPB, FTC, and reporting this to the local police. Of course no letter in the mail either.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-26

Fort Pierce, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

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

Disputed: No Timely Response

2017-02-25

Mc Farland, WI

False statements or representation

Debt collection: I do not know

Impersonated an attorney or official
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-25

Belleair Blf, FL

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-25

Sacramento, CA

Taking/threatening an illegal action

Debt collection: Payday loan

Threatened to sue on too old debt
Company Response: Company can't verify or dispute the facts in the complaint Closed

Disputed: No Timely Response