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 5
2019-08-28
LA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information is missing that should be on the report
Complaint: I love the service given to me and appreciate it greatly, however, I think there is very unfair creditors that posted I owe medical bills and a telephone bill that been there for some years and I never knew they existed. The companies say they informed me but I gave them my Medicaid info at the time there and was led to believe that it was all taken care of. My parents witness that I never received a letter, email, or call to let me know of the debt and I may be subject to it be filed to my credit report. I believe they supposed to warn me about potential harm to my credit before just posting it and let it sit there for some years before I noticed and by then its too late, my report is ruined, I am forced to move in with my parents because I can not get a loan or credit card even a vehicle all because of these discrepancies that I never knew about other wise I would have taken care of it. I have no vehicle, Im a XXXX XXXX veteran and suffer XXXX, XXXX, XXXX XXXX and XXXX XXXX, XXXX, and more on 15 meds three times a day. I am hospitalized regularly. I see a XXXX and my doctors monthly and unable to leave our home much less work. I havent worked in years and have no money anyway but perhaps Id be able to establish credit, get my own home, car to go to the doctors or for emergencies, I am often hungry by the middle of the month with my meager benefits and XXXX $ of Foodstamps. All I am wanting to do is repair my credit, that I had no hand in ruining, and live normally instead of XXXX years old with his elderly mom and dad in a falling down house which rains in and literally falling apart because we cant afford to eat much less fix the home we dont own in the first place. We have nothing and living in poverty and Id like to change that maybe put my parents into a safe comfy home instead of this fire trap that I fell through the floor in recently. That may kill an older person. We been beaten down by numerous hurricanes and can not evacuate when told to, cant travel no money no cards or loan options to get a vehicle and gasoline. I really am uncertain of out near future the rate its going. I come home from the military with a stolen identity and hacked to the point I thought I was losing my mind and XXXX XXXX four times ending me in XXXX XXXX XXXX XXXX four times for 15 day stretches. I have far more pressing problems without a cure than to be worrying about a bill I never knew about, a bunch. All the hard inquirys were not me doing that Im smarter that that. I know not to constantly get hard inquiries but I had no reason too until life started killing me. It is just unfair and my four lawyers plus XXXX XXXX agrees with me that an XXXX veteran suffering XXXX from service so that they can ruin my credit. I am not asking for much here I just want to live comfortably and not hungry all the time. Not knowing if well have a roof over our heads tomorrow or where our next meal will come from is not a good feeling and no one should have to feel that kind of pain of helplessness. So many hard inquiries that I never even heard of. Maybe four were mine over the years. Another thing I financed a 60 tv rent to own, a laptop, and now an air conditioning unit and always on time but not on here. I even pay my phone bill every month and dont use my bank to pay so idk how to get that on my credit report, a little good cant help or hurt I recon. One of the addresses for me is wrong too. Please I just want fair treatment, a fighting chance to show what i am capable of because if I hadnt had all these problems my credit would be spotless 200 % Could yall help us?
Company Response: Closed with explanation
2019-08-28
Wesley Chapel, FL
Attempts to collect debt not owed
Debt collection: Medical debt
Debt is not yours
Company Response: Closed with explanation
2019-08-26
Hamburg, NY
Communication tactics
Debt collection: Medical debt
Frequent or repeated calls
Complaint: This company calls multiple times per day from many different phone numbers, using illegal call spoofing tactics and robotic dialers.
Company Response: Closed with explanation
2019-08-22
Pflugerville, TX
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-08-22
Wallington, NJ
Took or threatened to take negative or legal action
Debt collection: Payday loan debt
Sued you without properly notifying you of lawsuit
Complaint: Approximately 6 years ago I took out a loan of {$200.00} form XXXX XXXX XXXX. At the time I did not realize that this type of loan was predatory and illegal in the State of New Jersey. I paid back the initial amount owed and thought that was the end of it. XXXX XXXX XXXX discontinued the deductions from my account.
Now 6 years later after not receiving any type of written documentation stating that I owe this company money, they have put a judgment on my credit for an amount that I do not owe, and it has negatively effected my credit score.
This tactic by XXXX XXXX XXXX is illegal, and I deserve to have this negative information removed from my credit report.
Company Response: Closed with explanation
2019-08-21
Manassas, VA
Attempts to collect debt not owed
Debt collection: Payday loan debt
Debt is not yours
Company Response: Closed with explanation
2019-08-21
Phillips Ranch, CA
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
2019-08-20
Abilene, TX
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: I received a phone call at XXXX:XXXX XXXX on XX/XX/2019 from XXXX-XXXX-XXXX. It was a recorded message from Midwest Recovery saying that I need to call a 1-888 number. After it said the numbers 888 II hung up. They did say they were a debt collector but did not say who the messages was for. It was an automated or robo call. I looked the number up in my phone data base security and checked it with the two different security checks I have and both of them stated Scam/Fraud High. The files would not upload.
Company Response: Closed with explanation
2019-08-20
South Florida, FL
Written notification about debt
Debt collection: Medical debt
Didn't receive notice of right to dispute
Complaint: In XX/XX/XXXX I received a notice from my credit monitoring service about a collection on my credit report from “Midwest Recovery Services” although I was never contacted and allowed to dispute the collection which I believe to be incorrect
Company Response: Closed with explanation
2019-08-16
Oxford, GA
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Complaint: Midwest Recovery has called from several different numbers using an automated system. The number is never the same and is from different area codes.
Company Response: Closed with explanation
2019-08-15
Jacksonville, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-08-14
Martinsville, VA
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 Systems posted a collection on my credit report for a medical bill that belongs to my daughter who is XXXX yrs old. I carry insurance on my daughter, but do NOT sign to be responsible for her bills in any way. I have called the company and asked them to remove this as it was not mine or to provide me proof that I signed a responsible party paper at the time of the dr visit - they cant or wont do either one. I have disputed with XXXX 3 times as well as called, begging them to help me take it off as it is not my bill & has dropped my credit score by 17 points! I realize its only {$31.00}, but this is NOT MY BILL to pay and should NOT be on my credit report.
Company Response: Closed with explanation
2019-08-13
Newnan, GA
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: On my credit report it says debt owed XXXX dollars open XX/XX/2019. I have contacted the Midwest Recovery Systems several times. It is a robotic answering service. They have not issued me any notices in my mailbox with an account number. There for it could be possible fraud. Anyway my goal is to just get it taken care of. I want to reach a customer service person to verify it my bill. I researched the company I found Accreditation Revocation : On XX/XX/2019 this business 's accreditation in the XXXX was revoked by the XXXX 's Board of Directors due to its failure to adhere to the XXXX requirement that Accredited Businesses meet and abide by the following standards : 6D. Cooperate with XXXX in efforts to eliminate the underlying cause of patterns of customer complaints that are identified by XXXX. XXXX consumer complaints in three years I am not the only one. Thanks for your help.
Company Response: Closed with explanation
2019-08-10
OH
Written notification about debt
Debt collection: Credit card debt
Didn't receive notice of right to dispute
Complaint: See complaint : XXXX SUBMITTED ON XX/XX/2019 PRODUCT Debt collection ISSUE Written notification about debt Original complaint was submitted with the credit bureaus on XX/XX/XXXX.
No communications was sent by Midwest recovery XX/XX/XXXX submitted complaint with CFPB As of todays date XX/XX/XXXX, I have received no written communications as to which showing the original creditor or any written notifications from midwest Or its clients.
The debt collector has failed vied any documentations to consumer.
30 days has passed since the original dispute to the bureaus. Credit collections reporting on my credit report shall be removed
Company Response: Closed with explanation
2019-08-10
Magnolia, TX
False statements or representation
Debt collection: Medical debt
Attempted to collect wrong amount
Complaint: I received an email from XXXX XXXX XXXX company on XX/XX/XXXX regarding an alleged debt of the amount $ XXXX.The email stated they have been authorized to accept a one-time payment of {$1700.00} as settlement in full which will end XX/XX/XXXX.As a consumer, I have every right within thirty ( 30 ) days after receiving this notice to dispute the validity of the alleged debt.
On XX/XX/XXXX I requested all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing that I am responsible for this debt, or a copy of any judgment.
They made no effort to follow the laws in making me aware of such debt, I wrote to them within 30 days of being notified of the alleged debt, they should have ceased attempting to collect this alleged debt until after I have provided the requested information.The Fair Debt Collection Practices Act prohibits debt collectors from using any harassing or abusive practices in an attempt to collect the debt.Harassment is more than just repeatedly asking you to pay money, .Its whats being done on a day-to-day basis. Its something thats misleading and done for the purpose of coercing me into doing something that I otherwise wouldnt want to do, or couldnt do, for fear of retribution.
On numerous occasions I have repeatedly been receiving phone calls to collect payment without identifying themselves as debt collectors. Most recent on XX/XX/XXXX, I received phone calls from a gentleman who identified himself as XXXX and he works for : Midwest Recover Systems, XXXX.Debt collection agency in XXXX XXXX, Missouri Address : XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX They threatened to take damage my credit if I did not pay up the alleged debt. Now, I believe Collectors are required by Fair Debt Collection Practices Act to send me a written debt validation notice with information about the debt theyre trying to collect.
Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter. I believe the statute of limitation on Medical Debt in Texas is 4 years. The Original creditor and any third party debt collector only have a limited amount of time in which they can pursue repayment of debt by filing a lawsuit.
Today, XX/XX/XXXX I received an email from XXXX XXXX stating a new collection account with MIDWEST RECOVERY SYSTEM was added to my XXXX credit report.Like all debt, This alleged medical debt is damaging to my credit .I have encountered such behavior, this why I am filing a complaint with the Consumer Financial Protection Bureau .
By them continuing attempt to collect on this debt or seek judgment for payment of the debt without first providing written verification, they are in violation of the Fair Debt Collection Practices Act.
Company Response: Closed with explanation
2019-08-09
Lake City, GA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Investigation took more than 30 days
Company Response: Closed with explanation
2019-08-07
Grahamsville, NY
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: Midwest recovery systems have been attempting to collect a debt that have negatively impacted my credit score close to 6 months. I am completely unaware of what the debt is, I have tried to resolve this by placing disputes with every credit bureau and somehow the collections remains on my report. I have reached out to Midwest recoveries myself and I am constantly transferred from person to person and never get an answer about the debt.
Company Response: Closed with explanation
2019-08-05
Juniper Hills, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-08-03
Key Biscayne, FL
Written notification about debt
Debt collection: Medical debt
Didn't receive enough information to verify debt
Complaint: My name is XXXX XXXX XXXX, I am XXXX XXXX at XXXX Hospital, I have Insurance with XXXX for few year. Last year XX/XX/2018 I had a medical condition and was admitted for few hours in Emergency Department.
Few weeks after a paid hospital bill and everything was fine but two week ago in the process for buy my house after wait 5 year and with perfect credit score over 800. The bank communicated with me because I have a debt in collections and my credit score is too low around 600. I Communicated with collections and my insurance and the problem was that XXXX XXXX XXXX XXXX, never sent bill to my insurance and never sent bill to me.
But the worse for me is that despite to pay 20 % of my house loan, my bank give to me HFA and now I will pay XXXX dollars for month for 11 years for mortgage protection, total of XXXX dollars more due to XXXX XXXX XXXX XXXX sent medical bill and damage my credit score. This is an unfair practice.
Company Response: Closed with explanation
2019-07-31
D Hanis, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: Yesterday I checked my credit report and saw that there was a collection account on my account. I have never had any dealings with a company called XXXX XXXX and definitely did not default in any circumstances with them. I hereby request that Midwest recovery systems send me all info they have on this supposed account and so that I can prove it is not mine! If they don't have this info I demand that they have it removed from my credit file immediately! I have already disputed these with the credit agencies.
Company Response: Closed with explanation
2019-07-31
York, PA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I have filed a report with the XXXX as well. A few weeks ago, I received a notification from XXXX and XXXX that someone had reported collections on my credit report. Mind you, I have never received any documentation as to this and I don't have any open medical bills or unpaid debt. I looked and found out that it's from Midwest Recovery Systems. Currently, they are claiming I owe for 4 accounts which goes like this ... {$2800.00}, {$290.00}, {$280.00}, and {$97.00} for a total of {$3500.00}. They are claiming that its for a day that I was seen somewhere which is impossible because on that particular day I was moving and driving 3 hours away from where I had lived. I also told them that I have always had medical insurance because I am on welfare so I don't owe them any money and they lied and fraudulently placed those accounts on my credit report. I got a message from the XXXX and Midwest Recovery Systems yesterday XX/XX/2019, in which they stated, " Midwest Recovery Systems has further reviewed your account. We have sent notification to the credit reporting agencies to delete this account from your credit report. Attached to this response you will find a copy of this deletion notification. '' So, I called XXXX to verify this and to verify that they have received the deletion pdf 's and they told me no, they do not have any such thing. What a surprise!!!! I am going to inform the XXXX that Midwest once again lied and has shown that they are frauds and since they aren't accredited, they should be shut down. I will attach all of the proof that I have.
Company Response: Closed with explanation
2019-07-31
Birmingham, AL
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Company Response: Closed with explanation
2019-07-29
Harvester, MO
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-07-22
TX
Threatened to contact someone or share information improperly
Debt collection: I do not know
Contacted you after you asked them to stop
Complaint: Repeated calls from Midwest Recovery using different phone ID information and numbers. Trying to collect a debt from someone I do not even know. Have nicely asked four different times to do not call this number because the person they are looking for I do not know. I was assured the number would be removed. They called the other day and my Pastor was visiting and they started out on the answering machine they were a debt recovery company. VERY EMBARRASSING! I am retired and do not owe anybody anything. They called again today same thing. I called back and I lost it. I was not very nice to the person I got, but I did not cuss but was firm. Your company needs to a better job of getting the phone numbers for the correct people they need to contact. I'll be dad gum if they did not call back again within 1 hour this time caller ID showed a pay phone. This is harassment!!!!!!!!!!!
Company Response: Closed with explanation
2019-07-22
TX
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: After having excellent credit for 25 years, my bank recently informed me that my credit score with XXXX ( " XXXX '' ) had dropped dramatically. They recommended that I review my XXXX credit report to understand why. I did so and found out that an " Adverse Account '' had been posted on XX/XX/19 by Midwest Recovery Systems LLC, a debt collection company, claiming that I owed {$1200.00}. Since I never heard of Midwest, I immediately filed a complaint with XXXX. Within a week, XXXX wrote back and stated that Midwest had confirmed that the amount was owed and, therefore, the " Adverse Account '' would remain on the credit report until Midwest removed it. XXXX suggested that I contact Midwest to resolve the matter. I called Midwest on XX/XX/19 and, after just a few minutes, it became very clear that this was a scam. The XXXX rep told me that if I paid them the full amount due ( or a reduced amount of {$760.00} ) they would remove their claim with the credit agencies. HOWEVER, Midwest could not produce ANY facts about when, who or why I owed this money. I checked out Midwest with the XXXX. Their accreditation has been " REVOKED '', their rating is " F '' and there have been XXXX complaints about them in the last 3 years. My credit has been damaged by this scam. XXXX should be VERY SKEPTICAL about ANY claims lodged by Midwest.
Company Response: Closed with explanation