Midwest Recovery Systems

2017-02-24

Oakley, CA

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: Yes Timely Response

2017-02-20

Charlotte, NC

Can't contact lender

Payday loan:

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

Disputed: No Timely Response

2017-02-18

Pikeville, NC

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: Yes Timely Response

2017-02-16

Ionia, IA

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: Yes Timely Response

2017-02-13

Lancaster, PA

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-11

Lewisville, TX

Can't contact lender

Payday loan:

Complaint: I notice an unauthorized charge on my credit report from advance america. They claimed I took out a loan in the year XX/XX/2012. I have not taken any loans out during this year or prior. I had a bankruptcy XXXX XXXX I was paying for. This charge on my credit report is not mine. I can be reach at XXXX. XXXX Thank you XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-04

Axson, GA

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt resulted from identity theft
Complaint: On XXXX XXXX I checked my credit report. I notice that Midwest Recovery has me in collections I sent validation and verification letters to the company 45 days ago to this date I have not recieved a response. The orignal creditor which is XXXX XXXX payday services which I looked the company up and its a scam. I am unable to obtain credit due to this negative information in which I have never heard of this company. I sent letters asking for orignal contracts identification etc and I still have not heard from the company
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: Yes Timely Response

2017-02-03

Philadelphia, PA

False statements or representation

Debt collection: Payday loan

Attempted to collect wrong amount
Complaint: Payday loan is from XXXX, they have it reported as being opened in XXXX. Have made multiple attempts to contact them via certified mail but it is returned as undeliverable and they have since sold the debt to a 3rd party collector who is now adding on fees and interest to make a profit. Was advised by the BBB to contact the FTC to file a complaint as they have an open investigation due to the amount of consumer complains.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-03

New Britain, CT

Disclosure verification of debt

Debt collection: Payday loan

Right to dispute notice not received
Complaint: Midwest Recovery Systems LLC appeared on my credit report in the amount of {$890.00}. I have never heard of this company before. When I contacted them, they said that I had taken out a payday loan on XX/XX/XXXX I did not take out such loan on that day as I was not working at the time. As well all of the banking, home and email address information was old. I have not had that bank since XX/XX/XXXX and that bank went defunct in XX/XX/XXXX. I have not lived at that address in over XXXX years. As of XX/XX/XXXX it had been over XXXX years. That email address had not been my email address since XX/XX/XXXX. However, for some reason, when I did call they tried to get me to tell them my social security information but did know the last XXXX of it. Now, they are insisting that I owe this money. I know for a fact that I do not owe this money, who takes out a payday loan when they are not, in fact, WORKING and getting pay or have a payday? Not to mention, payday loans are ILLEGAL in the state of XXXX. Please stop your attempts to collect on a debt that is not owed to your client.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-27

Atl, GA

Using a debit or ATM card

Bank account or service: Checking account

Complaint: Please remove this from credit report. This item is past statue of limitations according to the state of Georgia.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-01-26

Ballwin, MO

Cont'd attempts collect debt not owed

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

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

Disputed: Yes Timely Response

2017-01-26

MS

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: Initially was not given a written notice to dispute debt. After I received it via email, I responded in writing to dispute the debt. I did not receive any response, and was then contacted months later stating they had reported the debt to the credit bureau. I had requested documents to forward to my lawyer, but they stated they could only provide verification and documentation to the lawyer and would not provide any verification of the debt. After speaking with my lawyer, he advised that it would not be financially beneficial to retain him for the amount of the debt and advised me to file a complaint for the company 's lack of compliance of debt collection policies and procedures.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-01-26

Florence, SC

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

2017-01-24

Leeton, UT

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Attempting to collect on a debt that is not mine. Agency is posting negative information on my credit reports. Disputes with the credit bureaus have not resolved, as the collection agency indicates, to them, that it is a valid account. Contacted the collection agency requesting a copy of the application, the promissory note, and proof of original payment to me ; so far they have ignored me. Collection agency purchased the account from XXXX, another collection agency. Before the negative comments on my credit reports, I 'd never heard of any of these loan sharks.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-01-17

PA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Pulled my annual credit report and show this collection agency is reporting me for a XXXX great adventure account. I never authorized any XXXX account. I called this agency asking for proof, the collection rep laughed at me and put me on hold for a half an hour. This is ridiculous.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2017-01-16

Lawrenceville, GA

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: No Untimely Response

2017-01-16

Austin, TX

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2017-01-16

Clermont, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Was recently notified by XXXX, XXXX and XXXX XXXX XXXX that a collection account was added to my credit report by Midwest recovery Systems alleging an unpaid debt of {$660.00}. This is fraudulent as I have not opened any credit accounts with this company or the one listed as XXXX XXXX. I have reported this entry as fraudulent " account not mine '' per FCRA XXXX. I have also verified that Midwest Recovery has numerous complaints XXXX with XXXX for similar entries against other consumers additionally have multiple complaints filed with the CFPB all stating they were notified through credit monitoring service of a debt that they too did not open. Finally I have also researched the State of Florida licensing bureau and found that Midwest Recovery systems license to collect expired XX/XX/2012 i. The state of florida and another filing was denied. This unlawful practice needs to be addressed and removed completely from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2017-01-16

Santa Ysabel, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: XX/XX/2016, a {$690.00} collection account from Midwest Recovery was added to my credit report. I disputed it with both XXXX and XXXX and since the company did not verify within 30 days that it was a true debt, it was removed. Now XX/XX/XXXX I have received calls on my cellular, at work, my friends and family have been contacted by a company called XXXX XXXX - XXXX XXXX - they are trying to serve me papers for a pending lawsuit. This is completely embarrassing and they are harrassing me and family members for something i do not owe. the number they call and text from is XXXX and stating i should call XXXX to pay a debt i do not owe.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2017-01-15

Garrett Park, MD

Received a loan I didn't apply for

Payday loan:

Complaint: First of all, i havent received any money from this lender since the XXXX time I Borrowed {$300.00} around XXXX. Paid off loan to lender in two ocassions. The first time I set up a payment plan with them since the amount I owed them came up to be more than the amount I borrowed. I closed my bank account because I did n't want them having my account information. After a couple weeks I was still getting phone calls calling me again saying I owed them more money ; I ignored them. The Most recent pay was about 2 years ago. They harassed me by calling my cell phone and my house saying I owed $ XXXX, when I finally talked to them on XXXX XXXX, XXXX to try to see if they can lower the amount they lowered it to {$510.00} and paid it. They said it was taken care of and there would be no more calls. One week later the calls started again. They said I owed them another $ XXXX. I told them I just paid them last week that I was n't going to give them anymore money and hung up. Since then they 're still calling me from several different numbers. I checked my credit score a couple days ago and on there it shows a collection balance of {$870.00} from a lender I do not recognize and it says I took out the loan in XXXX XXXX, XXXX. THIS IS FALSE. I did not take any loans and I never received any money from them or anyone. I believe these people are renewing this payday loan making it look like I 'm getting this money. The bank account I used at the time and which they have on file is closed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2017-01-11

Dallas, 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 Untimely Response

2017-01-11

PA

False statements or representation

Debt collection: Payday loan

Attempted to collect wrong amount
Complaint: I settled all my debts a couple of weeks ago, I paid all XXXX collection agencies that claimed I owe them. XXXX recovery systems claim I owe them {$780.00} plus, I settled with them on XXXX XXXX 2017. My conformation # is XXXX. I also settled with XXXX for {$33.00} ( which I owed ) I setteled those accounts on XXXX XXXX as well. Conformation # is XXXX and XXXX was also settled since the credit was sold to the same creditor. Payment conformation XXXX. All these payment were made electronically and I proof of payment. I do plead that you look into this urgent matter for me and I truest appreciate the help and thanks in advance. Sincerely XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2017-01-07

Fry, AZ

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Untimely Response

2017-01-07

Euclid, OH

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: This is an official dispute of debt. 1. ) The creditor is a computer that has generated a fraudulent debt of {$210.00}, filed with the XXXX major credit bureaus, XXXX. 2. ) The creditor can not provide a singed agreement between the original creditor and the alleged consumer in compliance with Fed. R. Of Civ Pro. 4, ( Probable Cause ). 3. ) The creditor can not provide a copy of the alleged " Notice of Service '' that the alleged original creditor mail to the alleged consumer in compliance with Fed. R. Of Civ. Pro. 4. 4. ) The alleged creditor can not provide a singed '' Affidavit '' validating that is not a computer. 5. ) The alleged creditor has my email address, my date of birth, my SS #, my phone number, previous home addresses, present home address, back acc information, but seeks to validate the alleged debt, by confirming my personal information the the consumer did not provide to them. 6. ) The debt notice filed with theXXXX major credit bureaus is slander, libel, tax evasion, money laundering, mail fraud, identity theft, cyber terrorism committed across the state lines of XXXX and XXXX, for which make these claims violations of federal rules of procedure.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2017-01-05

Westfield Ctr, OH

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Complaint: On XXXX XXXX, Midwest Recovery Systems, LLC reported a balance of {$400.00} owed to " XXXX '' on all XXXX bureaus. Says the original creditor opened the account on XXXX XXXX, 2016. I have no knowledge of this account, and I have never once in my life had anything in the amount of {$400.00}. I have never received written or telephone contact from anyone notifying me of this so-called " debt ''. I have been watching my credit like a hawk as I 'm going to be going into the mortgage application phase within the next month. This reporting of this unverified, fraudulent debt has caused my XXXX to go down over XXXX points. Per the federal rules for debt collection, I must be notified with this debt and given the opportunity to dispute or negotiate this debt with a creditor before it is reported as an unpaid debt. I have NEVER been told of this debt. It needs to be removed from my credit reports immediately, and Midwest Recovery Systems, LLC must be held responsible for reporting false information and not following federal debt collection rules.
Company Response: Closed with explanation

Disputed: No Untimely Response