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 60

2016-06-23

PA

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Complaint: i received an update on my credit report and I now have a collection reporting from a company names MIDWEST Recovery. I have no knowledge of this company any why they are reporting on my credit file. I was never sent any documentation or a DV. I would dispute this debt because i have no knowledge of this company
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2016-06-23

Chicago, IL

Can't contact lender

Payday loan:


Complaint: I never applied for a payday loan through this XXXX XXXX XXXX, they 're scammers. They have all of my information old checking account number my social security number. I just learned Today XXXX/XXXX/16 they have put this on my credit report as a collection for the amount of {$640.00} and this Midwest recovery is on my report. I called the XXXX XXXX number and they told me that I can settle this matter for {$300.00}. I do n't owe this never got a payday loan from this group and want this off of my credit report.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-06-22

Christiana, DE

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 Untimely Response

2016-06-22

TX

Taking/threatening an illegal action

Debt collection: Payday loan

Threatened arrest/jail if do not pay
Complaint: recieved call on XXXX/XXXX/16 from MIDWEST RECOVERY SYSTEMS telling me that the local district attorney office had a warrant for my arrest and would be arrested and sent to jail today for a pay day loan check that is 11 years old.of course no one came and was only a scare tactic. the DA told me they dont take payday loan cases by texas law.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-06-22

OH

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: I am trying to rebuild credit due to a divorce and get copies of my credit report on a regular basis. Yesterday a collection popped up on my account from a place called Midwest Recovery for {$1000.00} it says was opened XX/XX/2016. From XXXX XXXX XXXX. I have not any loans with any of these people. I have not received any communication of any form from this company but yet they put something on my report. I am in the process of disputing with the credit reporting agency as well. But this is not fair. This is not my bill.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-06-20

Brooklyn, NY

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-06-14

Brooklyn, NY

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt is not mine
Complaint: Good Day In checking my credit report with XXXX I noted that Midwest Recovery System is attempting to collect a {$760.00} debt for VIP Cash. I am not familiar with either of these companies and in XXXX I found it to be a payday loan. I did not take out any payday loans and their practice of placing such a debt on my credit report without proper notification is not only improper but false. I am asking for assistance in getting this item removed from my report and their seeking to collect on a debt that is not only illegal in XXXX but that is not mine. Thanks
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-05-30

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 Untimely Response

2016-05-22

Alvin, TX

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

2016-05-16

Fort Worth, TX

Cont'd attempts collect debt not owed

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

Debt was discharged in bankruptcy
Complaint: this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/XXXX this the collections company was already notified and continued collection practices are being made by the creditor. this account should be removed from my credit report and all collections efforts should cease. This company bought this account from XXXX XXXX from XX/XX/XXXX and it was originally filed in my Chapter XXXX that was converted to a Chapter XXXX in XX/XX/XXXX. This company has reported this on my credit report as a new account from XX/XX/XXXX
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-05-13

Sanders, KY

False statements or representation

Debt collection: Medical

Attempted to collect wrong amount
Complaint: On XXXX/XXXX/XXXX : Notified of unexpected dip in credit. Credit Karma listed " collection '' as reason. I had no idea I had been sent to collections before I checked my credit score! I called the agency listed as " Midwest Recovery Systems, LLC '' to question the collection. I was told that on XXXX/XXXX/XXXX I received medical care from " XXXX XXXX XXXX XXXX, '' a company associated with a local hospital. I requested information and hinted that I wanted to dispute. XXXX/XXXX/XXXX : I called my local hospital and doctor, both of which had no record of me being ordered or receiving care on XXXX/XXXX/XXXX, let alone XXXX XXXX. I called " Midwest Recovery Systems, LLC '' to tell them that I wanted to file a dispute. The representative verified that I received service from " XXXX XXXX XXXX XXXX '' on XXXX/XXXX/XXXX according to their records. I was told that the {$180.00} was what was left after insurance paid their part. He said that my only option to receive information, other than that from his business, would be to call " XXXX XXXX XXXX XXXX '' ... which just so happens to be bankrupt and without a valid phone number. I was told that I could file a dispute, and if my credit was still hurt, I could pay the {$180.00} during the process. After the dispute was settled, and if I was found correct, my {$180.00} would be returned to me. I was told the dispute process would take 60-90 days to be settled and that the process was started. XXXX/XXXX/XXXX : I called my insurance, who searched their archives for claims. They confirmed that they did not receive billing for any services in XXXX XXXX. I immediately called " Midwest Recovery Systems, LLC '' to see where we were in the dispute process. A week had passed since I thought the representative had filed the complaint. The rep 's boss answered my call. He stated that the dispute was never filed, since I was questioning receiving care 3 years ago. I told him that it was my impression ( as well as my mother and father who listened and recorded the phone call on XXXX/XXXX/XXXX ) that the dispute was filed. The manager said that the rep. never filed the dispute and left a note that we might pay. The manager then clarified that we could not file and pay in hopes of being reimbursed after the dispute, which was new knowledge since the representative told us we could. The manager then said that the " date of service '' ( XXXX/XXXX/XXXX ) may not truly be the actual " date I received care, '' which is another inconsistency from what I was told during both phone calls on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. I alerted the manager to inconsistencies between my communication with the manager and what I had been told previously. Summary : The company never alerted me to being sent to collections ; I found out after my credit score was affected. I established communication with them first by calling them after seeing my score. I was lied to about the dispute process : the rep. told me it started and to wait 60-90 days. I called a week later ( 7 days into the 30 I had to file the dispute ) to find out it was never filed! I was lied to about the date of service. I feel like I was being coerced into paying since the rep. said that I could pay the {$180.00} while in the dispute process and have the possibility of being reimbursed if I am found to not be responsible for the debt ( which I later found out was a lie ). Had I never called on XXXX/XXXX/XXXX & waited the 60-90 days as told, I would have unconsciously admitted guilt and been responsible to pay. Had I paid the {$180.00} to help my credit during the dispute process ( in hopes of reimbursement ) I would have forfeited all money, since unlike what I was told on XXXX/XXXX/XXXX, payment is admitting guilt. The inconsistencies among employers and communication with me, the client, is unfair business. Although the manager said the dispute process was officially started as of XXXX/XXXX/XXXX, I will mail a written notice to assure the process has started.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-04-24

Wilmington, DE

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: A company named Mid-West Recovery Systems LLC/XXXX which ever name has put collection account on my credit reports that I have no knowledge of the debt. Never have been contacted at all regarding such debt. How they received my name is unclear. I was told the company is a scam they but paid or closed accounts trying to collect on old debit from pay-day loans. If I opened up something in 2012 it would have been paid by now. No-one has contacted me at all but puts something on my credit report three weeks ago without notifying me of such.
Company Response: Closed with explanation

Disputed: No Untimely Response

2016-04-15

MI

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Complaint: Letter and phone calls from Midwest Recovery Systems attempting to collect a debt that is not mine. The creditors are XXXX XXXX and XXXX XXXX XXXX. I sent a certified letter disputing the false claim and requested a response from the debt collector. No response. Now phone calls are starting under a new company listed as XXXX XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-04-07

La Cienga, NM

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt resulted from identity theft
Company Response: Closed

Disputed: No Untimely Response

2016-03-23

WI

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: they keep calling. they wont send any verification of debt. they threaten to come to my place of work and have my boss sign papers. This is not my debt. I have never done business with a company called " XXXX '' now they placed the debt on my credit file
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Untimely Response

2016-03-22

FL

Disclosure verification of debt

Debt collection: Payday loan

Right to dispute notice not received
Complaint: I have in my credit twice for a loan for {$480.00} for Midwest Recovery Systems and XXXX and will need notice to remove this from my credit
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2016-03-21

Colts Neck, NJ

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2016-03-19

Reno, NV

Cont'd attempts collect debt not owed

Debt collection: Payday loan

Debt resulted from identity theft
Complaint: have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with Transunion. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2016-03-18

Grangeville, LA

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

2016-03-15

Southern View, IL

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Untimely Response

2016-03-15

TN

Can't contact lender

Payday loan:


Complaint: This old lender continues to sell old debt that keeps showing up on my credit report after being taken off several times. Then the new collector puts it on my credit report likes its a new debt and its a debts from XX/XX/XXXX or XX/XX/XXXX
Company Response: Closed

Disputed: No Untimely Response

2016-03-11

Stevenson, MD

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Debt is not mine and the Statute of Limitations has Expired.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Untimely Response

2016-03-11

Houston, TX

Disclosure verification of debt

Debt collection: Payday loan

Right to dispute notice not received
Complaint: This company Midwest Recovery has violated FDCPA policy, they reported a collection to my credit report with out contacting me about this debt, they did not give me the Rights to fight! when I ask to send me the documents they could not provide the right address..now I have a collection for a fraudulent account,
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Untimely Response

2016-01-20

Nappanee, IN

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed

Disputed: No Untimely Response

2016-01-18

Cane Creek, AR

Improper contact or sharing of info

Debt collection: Payday loan

Talked to a third party about my debt
Complaint: This company has placed an account in collections in 2015 for a payday loan from XXXX. It 's been over 7 years so it should no longer be reported on my credit not that it was just placed for collection so that it will fall off my credit in XXXX. I have not received any written communication from these shady people either.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response


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