Midwest Recovery Systems

2016-10-12

Mountlake Ter, WA

False statements or representation

Debt collection: I do not know

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

Disputed: Yes Timely Response

2016-10-11

East Rockaway, NY

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: Midwest Recovery Systems altered date that a charge-off was entered by 9 yrs. Charge-off was removed from my credit report almost 2 yrs ago. Midwest Recovery Systems changed date of last payment in order to put debt on credit report .Then offered to remove if I agree to a settlement. Resulted in almost a XXXX point drop in credit score.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-11

East Rockaway, NY

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: Midwest Recovery Systems altered date that a charge-off was entered by 9 yrs. Charge-off was removed from my credit report almost 2 yrs ago. Midwest Recovery Systems changed date of last payment in order to put debt on credit report .Then offered to remove if I agree to a settlement. Resulted in almost a XXXX point drop in credit score.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-02

Lenoir City, TN

Taking/threatening an illegal action

Debt collection: Payday loan

Sued w/o proper notification of suit
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-09-30

Charlotte, NC

Disclosure verification of debt

Debt collection: Medical

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

2016-09-29

Fairview, TX

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

2016-09-28

Chicago, IL

Disclosure verification of debt

Debt collection: Payday loan

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

Disputed: Yes Timely Response

2016-09-27

Brown Deer, WI

Can't contact lender

Payday loan:

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

Disputed: Yes Timely Response

2016-09-22

DC

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: Upon checking my credit report, I saw that Midwest Recovery Systems had placed XXXX separate accounts, which I have no knowledge of, on my credit as a negative collection. XXXX for {$300.00} and XXXX for {$270.00}. The so-called creditor is Purchasing Power? I have no knowledge of these accounts. There was no account numbers provided. I have had no contact from this creditor at all. I have sent a letter of complaint to Midwest Recovery Systems. I am a XXXX, and it is possible that this debt is my father 's. But I am leery of that also.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-09-20

North Hollywood, CA

Taking/threatening an illegal action

Debt collection: Payday loan

Threatened to sue on too old debt
Complaint: At around XXXX on XX/XX/XXXX, I received a call that was a recorded voice. At no time was a company named. The recorded voice offered no identity. The gist of the message was, " I received an order for you. I 'm calling from the processing division. It looks like XXXX charges pending against you. If I do n't hear from, you, I will actively pursue you at your place of employment and your residence. You have the right to contact the client directly to resolve this voluntarily. Understand that once you are located, you forfeit that right. If you have any questions call ( another recorded voice, a mechanical-sounding one, says the number : ) XXXX. '' I did n't call back. I have XXXX new entries by a company called Midwest Recovery Systems on my Transunion credit report, for $ {$980.00} each, all three of them are actually XXXX very old debt that is past the statute of limitations, with XXXX XXXX, a payday loan company from XX/XX/XXXX. I filed a dispute with Transunion. I called XXXX XXXX, they say they sold the debt in XX/XX/XXXX, and it was for {$98.00}. I am assuming that these recent messages are about the {$98.00} debt that is way past the statute of limitations. So, not only did this company ding my credit three times for XXXX debt, they dinged it about a debt that is past the statute of limitations, they jacked up the debt amount by XXXX %, they threatened to sue me about a debt that is way past the statute of limitations, they did not identify the company or the individual calling when they called my cellphone number unsolicited with an illegal collection that is on the Do Not Call Registry, and they made the message sound like I am going to be charged with a crime that I might be arrested for at my home or at my job, and they misinformed me that I have no rights once they locate me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-09-19

Chicago, IL

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

2016-09-19

Detroit, MI

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

2016-09-16

Newark, NJ

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 Timely Response

2016-09-14

Clayton, MO

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt was discharged in bankruptcy
Complaint: On XX/XX/XXXX XXXX ; Amount {$800.00}, totaling {$1200.00}, appear on my credit report. I filed Bankruptcy on this XXXX/XXXX/XXXX. The case number is # XXXX and it was XXXX on XXXX/XXXX/XXXX .It has been 7 years and they 're trying to collect on this. I want this removed from my credit report.
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2016-09-12

Jacksonville, FL

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: I do not know what this is! I have not had a payday loan in over NINE years. I paid a company over 2years ago for an XXXX XXXX loan I overlooked. I still have a copy of the " PAID IN FULL '' letter I received. Now, this Midwest Recovery is saying that I still owe! This is not right! Has to be some mistake!!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-09-11

PA

False statements or representation

Debt collection: Payday loan

Indicated shouldn't respond to lawsuit
Complaint: This collection agency is on my credit report on the XXXX its on there theree times. I never applied for payday loan. I never even heard of XXXX XXXX. I am thinking my idennity was stolen or its a scam. I never received any info on this. I do want this taken care of and off my credit reports. I have spoken to the state police bout this. I would like to know who did this so charges can be pressed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-09-10

Lewisville, TX

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Complaint: I did not recieve 30 day notice to dispute the debt and the balance date of the debt is stated XXXX 2001. That makes the debt 15 years old so should have never been put on my credit report. Since I never received a disclosure I ca n't figure out what they claim the debt is for.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-09-02

Ridley Park, PA

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt was paid
Complaint: I do not dispute that I took out a payday loan with XXXX but I repaid the loan years ago. I had to get a mortgage in 2014 and ensured my credit report was squared away well in advance of the home purchase. It seems documentation of the repayment has become lost in the shuffle as the debt was bought and resold ( who knows how many times ) and a new random debt collector has reported the debt back to all XXXX major credit bureaus. I 've disputed with all XXXX, XXXX came back as deleted, the other XXXX show 'remain ', I called this debt collector ( Midwest Recovery Systems ) and XXXX woman told me they were updating it all to 'delete ', and today 's call with a gentleman said they had plans to rereport it to all XXXX bureaus. This is very upsetting. I paid this money back in full years ago. It 's not my fault the documentation on the debt collector was lost or not retained. My wife lost her job last year and I need to refinance my mortgage. With this on my credit report, I 'll get a less favorable interest rate when I refi. I also need to buy a new car next year and this will impact me there, too. I do n't know who else to engage on this, but the burden of documentation should be on the debt collectors if they 're so easily able to buy and resell debt this way. How on earth can a consumer ever know when this is happening, especially in error, until it slams their credit score?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-08-31

Detroit, MI

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

2016-08-27

Mc Kinney, 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 Timely Response

2016-08-22

Watkins, CO

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: In XXXX XXXX, I received a loan from the XXXX for XXXX with a fee of XXXX. In the next few months, I made payments of XXXX. In XXXX XXXX, I was struggling to pay. I received a email in XXXX XXXX about the loan and indicated I would pay off within the month. I received no further correspondence. I called and was told I would receive a final payoff statement notice, I never received any hard copies copy of the loan agreement or requests for payments. All documents were sent via email. In my email documents. I keep all my email but can not find an application or signed documents of any loan agreement I can not find any documents which I signed. After XXXX XXXX, I did not receive any further emails. In XXXX XXXX, I received notice from my credit report alerts that I had a delinquency filed by Midwest Recovery for XXXX on my credit report causing my credit score to drop XXXX points. I called Midwest Recovery on XXXX XXXX, XXXX and was told that I owed XXXX to XXXX for XXXX ( XXXX business name ). They then sent me the attached email saying that I would have a delinquency posted to my account if I did not pay. Copy attached. Midwest Recovery had already posted this delinquency to my credit reports in XXXX XXXX before I received this email. This company has : Requested an additional 130 % of the loan taken out, Violated the process for filing a delinquency on my credit report before they gave me the opportunity to dispute which I am doing as I file this complaint. Your assistance with this predatory process is greatly appreciated.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2016-08-21

Atlanta, GA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: This complaint is written in reference to a Midwest recovery system LLC acct # XXXX listed on my XXXX major credit reports illegally, in regards to a collecting a debt I do not owe. I have sent request for validation via USPS certified mail/ return receipt requested at the beginning of XXXX XXXX. I have not receive any response! According to the Fair Debt Collection Practices Act, a debt must be 100 % true and accurate. This company has place their name Midwest Recovery Systems acct # XXXX on my XXXX, XXXX, and XXXX reports without validation. The original creditor XXXX whom this company is attempting to collect false funds, have misapplied any payments I may owe. To my understanding I had a checking account with XXXX back in XXXX and I close the account in XXXX, due to limited supply of branches. I wanted to join a bank that was bigger, However, I did not leave the company XXXX with any outstanding balance. Neither was I ever inform of having a balance with them. It has been 6 years since I banked with XXXX whom this company Midwest Recovery System LLC is attempting to collect funds. I have been trying to resolve this matter amicably with this company. Failure to comply to FTC regulations regarding debt collecting and credit reporting will result in a small claims legal action against this company Midwest Recovery Systems at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation, Negligent Enablement of Identity Fraud, and Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). This company will be required to appear in a court venue local to me, in order to formally defend themselves. This notice is an attempt to correct this company records, any information received from this company will be collected as evidence should any further action be necessary. This is a request that this company Midwest Recovery System cease there illegal collection attempt and request removal of there company name from my XXXX, XXXX, and XXXX credit reports immediately. I had a similar case against a collection agency and XXXX whom the collection agency was trying to collect illegal funds. I took them to small claims court and was awarded {$5000.00} from each company. This matter is urgent and should require your immediate attention. I am now prepared to file a small claims judgement against your company. I have been maintaining a careful record of my communication with you for legal purposes only. Dependent upon this company response, I may be detailing any potential issues with this company via an online public press release, including documentation of any potential small claims action. Further more, if this debt was valid, the statue of limitation ( SOL ) expires 6 years in my state. Which is another violation I can file charges against this company Midwest Recovery System. I close this account in XXXX!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2016-08-19

Tampa, FL

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt is not mine
Complaint: I had a debit that was included in my chapter XXXX BK, almost two years letter this item showed on my credit reports under collection status for Midwest Recovery Systems. This dropped my credit score XXXX points. I called them and they said their client had n't informed them that it was included in BK, but the damage had already been done. It took them 30 days to remove this incorrectly put item on my credit reports. Its still showing up on my XXXX. I thought this was against the law for them to do that since I am protected by BK laws. They should be fined for this. I should sue.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-08-13

Sanders, KY

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: Around XXXX XXXX, I discovered that a debt was listed under my name in XXXX XXXX for a debt incurred in XX/XX/XXXX or XX/XX/XXXX by Midwest Recovery Systems. I called my health insurance and we called collection agency and was promised to have the bill sent to me. No bill ever was received. I contact the hospital where debt was incurred and found I have never been treated or responsible for any health care. This is a XXXX fee of a non existence business.
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Untimely Response

2016-08-08

Winton, CA

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: No Untimely Response