Midwest Recovery Systems

2016-11-23

Jupiter, 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 Untimely Response

2016-11-23

PA

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt was discharged in bankruptcy
Complaint: Had a collection notice from midwest recovery services appear on my credit report for a payday loan front XXXX for {$770.00}. After checking with them I was told there was a loan deposited into an old bank account in XX/XX/XXXX however I contacted the bank and that account was closed in XX/XX/XXXX and I filed bankruptcy in XX/XX/XXXX.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-11-22

Stevenson, MD

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Complaint: I have never heard of Midwest Recovery. Last week, I saw XXXX collection accounts on my credit report ... XXXX for {$720.00} and XXXX for {$720.00}. I have NEVER had any dealings with these people, and they failed to provide me with the letter that is required by law before reporting to the credit bureaus - therefore denying me the right to 30 days to dispute the debts.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-11-22

Philadelphia, PA

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt is not mine
Complaint: Midwest Recovery has placed a collection on my credit report but I know nothing about the debt nor have they contacted me with a debt validation letter.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-11-22

Arsenal, PA

Payment to acct not credited

Payday loan:

Complaint: Received calls that I had a payday loan. Any loan I ever had was paid in full Asked for written proof of the debt to be mailed to me. They would not. They claimed they had emailed us and sent us letters. Both untrue. We have had same email address for 15 years and same residence for 37 years. Feel the whole thing is a fraud.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-11-19

Philadelphia, PA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: MIDWEST RECOVERY SYSTEMS has reported a " collection account '' to numerous credit bureaus in error. I do NOT owe them nor anyone they claim to represent any balance!
Company Response: Closed with explanation

Disputed: Yes Untimely Response

2016-11-19

Mabank, TX

Taking/threatening an illegal action

Debt collection: Payday loan

Threatened arrest/jail if do not pay
Complaint: I checked my credit report to see this company Midwest Recovery System on my credit report for {$760.00} for a payday loan I have never applied for or received. I attempted the contact the company for over a month now and have not received any respond. I have not received anything in the mail. This company called me several times before in which I asked for prove of this account and was told they did not have to give me any prove and I will received everything when the police come and pick me up. This account has affect my closing on my home loan due to the company refuse to respond to voicemails or dispute letters. I want this account deleted from my credit report like yesterday or I will be sueing this company. My lawyer has also attempted to contact them and received no respond.
Company Response: Closed

Disputed: No Untimely Response

2016-11-19

Brownstown, MI

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt is not mine
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-11-18

Clifton, NJ

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-11-18

Waughtown, NC

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt is not mine
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-11-18

Orangeburg, SC

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I received an alert from credit monitoring service stating I have a new account which is a negative entry of a collection account with Midwest Recovery Systems in the amount of {$660.00}. I never had an account with this company nor the original creditor or XXXX nor have I ever heard of them. I never received any written communication from either company in regards to this fraudulent debt and therefore is a violation of the fcra. This is is not my account and this fraudulent account has been placed on all 3 of my personal credit files illegally. By law I should have been sent a letter from this collection agency giving me 30 days to validate this debt, however I was violated of that right. I have sent a letter to this company requesting validation. This company is conducting illegal practices. I did n't have any collection accounts on my credit files until now because I pay my bills on time all the time. I 'm in the process of closing on a home loan and because of this blemish on my credit reports my score has went down dramatically due to incorrect and fraudulent information from this Midwest Recovery Systems.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-11-18

Lafayette Hl, PA

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt resulted from identity theft
Complaint: On XXXX/XXXX/XXXX on my way to work I received an alert that my credit file had changed. Soon as I got in to work I pulled my credit report and found that Midwest Recovery had posted to my credit file a collection for {$680.00}. I immediately started panicking and wondering what to do as I did n't understand what was going on. The credit file said the original creditor was XXXX XXXX, which I never heard of before. I knew there was some type of fraudulent activity going on, but could n't pin point the issue. That evening I spent countless hours researching the Internet on both companies. Needless to say, I could n't gather any information about this XXXX XXXX company except that it 's some kind of scam pay day loan service. I never had any dealings with this company or a payday loan. The next morning I decided to call XXXX Recovery and I spoke with XXXX at ext XXXX. She explained to me that a loan was taken out XXXX XXXX, XXXX and funds were deposited into a XXXX Bank account. Another red flag came up. I never had a XXXX XXXX account, so I begin to get more nervous and explained to XXXX that I will be going to XXXX XXXX and hopefully I can catch who did this and put this to rest. I went to XXXX XXXX and they ran my social, name and address information in their system and nothing came back for a hit on any of my information. So I was a bit relieved to know that " this person '' did n't fully gain too much control and open an account in my name, but I was still at a loss because I was clueless on resolving the issue. I sent out a certified letter to Midwest and the Credit Bureaus and made the disputes online for the fraudulent loan and credit file. XXXX also explained to me that she will be flagging the account as fraud and I will need to go to the police station to file a police report. Once I file the police report she said fax the report in or send it by email ( which she provided me both info ). I went to the police station and explained everything top to bottom to the police officer and he said this sounds more like a scam and said for me to call the company Midwest back and to gather original documents, identification used in the fraud, signatures and information of the XXXX XXXX. So I called back in while still at the police station and explained to the guy what the police officer was needing me to do in order for him to make a proper police report. This guy was very, very rude and decided to keep cutting me off. He told me they do n't have any of my documents, that the debt was purchased from third party. So I asked him if I could get the information to XXXX XXXX so I can call them myself and he insisted they do n't have any information for them either. I got really upset and told the guy this is seriously damaging my credit file and I need to get this resolved ASAP. He says to me " Look we marked your file as fraud and it will be falling off your credit report, okay '' then hung up the phone. My next step was I went home and sent an email of the conversation to Midwest and asking them to confirm what this employee told me. I have yet to receive ANY response from them whatsoever. My credit score has dropped so dramatically, because of this and it is very irritating and hurts to see I ca n't get this resolved. I know the company had to have opened the email, but is more than likely stalling and damaging my life with this. Furthermore, I NEVER received any phone calls, email or letters about this so called " debt '' " loan '' from XXXX XXXX nor Midwest recovery. They just up out of the blue post to my credit file and say I owe a debt I have no clue about. I ca n't begin to tell you how frustrated I am. And I feel like I may need to take legal actions against this company if they do n't stop reporting false information on my credit file and my credit score needs to go back to where it has been, excellent.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-11-18

CA

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Complaint: I have had a collection account for {$890.00} placed on my credit file for all XXXX credit bureaus for an account that I do not recognize. I have never received any correspondence from this company.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-11-18

Silver Spring, MD

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt is not mine
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-11-17

Shelby Township, MI

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

2016-11-17

Burnips, MI

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt is not mine
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-11-17

Fithian, IL

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt is not mine
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-11-17

Colo Spgs, CO

Disclosure verification of debt

Debt collection: Payday loan

Right to dispute notice not received
Complaint: I got a new alert today. So when I check my credit report an account was placed in collections for Midwest Recovery Systems with the original creditor as XXXX. I have never heard of this company and I did not take out a payday loan with this company. I never received anything from Midwest Recovery Systems or XXXX XXXX XXXX.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-11-17

Philadelphia, PA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: MIDWEST RECOVERY SYSTEMS placed a collection account in my XXXX credit file. I do NOT owe them nor anyone they claim to represent any money!
Company Response: Closed with explanation

Disputed: Yes Untimely Response

2016-11-17

Portage, MI

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-11-17

Birch Run, MI

Disclosure verification of debt

Debt collection: Payday loan

Right to dispute notice not received
Complaint: I found a collection on my credit report from Midwest Recovery Services and they told me it was in regards to a payday loan I have no knowledge of. I was never notified prior to this showing up on my credit report. I asked for proof and they denied to give it to me, rather they said they reported it as fraud and the client will need to file felony charges. I want it removed from my report unless they can provide something showing I am mistaken. Obviously if I owe I would pay but I do not believe I owe anything. They say original creditor is XXXX. I 've never heard of them.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-11-16

Yeagertown, PA

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt is not mine
Complaint: A company called Midwest Recovery Services made a negative report on my credit report. They did so on behalf of a company called XXXX XXXX XXXX XXXX. I have never received anything in writing about a debt owed to The XXXX XXXX XXXX. I never had a payday loan from this company. The Midwest Recovery Services never contacted me about a collection on a debt owed to anyone. I have tried to get something in writing, but have yet to receive anything. There is no debt and I believe that They are attempting to scam me.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-11-16

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-11-16

Allentown, PA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-11-16

Hillsdale, NJ

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt is not mine
Complaint: I RECEIVED AN ALERT ON MY XXXX REPORT FOR A COLLECTION ON XX/XX/XXXX. THE COLLECTION AGENCY IS MIDWEST RECOVERY SYSTEM IN BEHALF OF XXXX THE ORIGINAL CREDITOR. THIS IS AN ALLEGED PAYDAY LOAN THAT WAS BORROWED BACK IN XX/XX/XXXX. I HAVE NEVER GOTTEN A PAYDAY LOAN FROM THEM. I CONTACTED THEM AND TOLD THEM THAT THIS IS A SCAM. I ALSO CONTACTED ALL XXXX OF THE MAJOR CREDIT BUREAU. THEY HAVE PLACED A FRAUD ALERT ON MY CREDIT REPORT BECAUSE THIS COLLECTION APPEARS ON MY REPORT. THESE PEOPLE ARE SCAMS ARTIST BOTH MIDWEST RECOVERY SYSTEM AND XXXX. I DID ONLINE SEARCHES ON BOTH AND I SAW THAT THIS HAPPEN TO ALOT OF PEOPLE.
Company Response: Closed with explanation

Disputed: No Untimely Response