Midwest Recovery Systems

2019-07-03

Fort Worth, TX

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: I received a notification on XX/XX/2019 that a collection account was added to my credit report. I never received a dunning letter it was just added to my report. I was not given an option to dispute this account. I have never heard of this company nor have I done business with them.
Company Response: Closed with explanation

Timely Response

2019-07-02

DE

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: On XXXX 2019 a debt collection was placed with both XXXX & XXXX for {$3000.00} from Midwest Recovery System, LLC. I contacted them and informed them this is NOT my debt. They refuse to remove it. I filed a complaint with both credit agencies and sent a letter to Midwest to provide me with documentation on this so called debt. To date nothing has been received. I have never received any calls or letters about this debt. It just showed up on my credit report at the end of XXXX 2019 out of the blue Negatively affecting my credit score. XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-07-02

Elk Grove, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-02

Houston, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-06-29

Deridder, LA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-06-29

Hoard, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-06-29

Daytona Beach, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-06-28

Columbus, OH

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-06-28

Dallas, TX

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 has reported an account in collection to all 3 credit bureau in the amount of {$1200.00}, from an alleged payday loan with XXXX XXXX XXXX from XXXX. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ( Texas ) ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Company Response: Closed with explanation

Timely Response

2019-06-27

Bedford, TX

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Payday loan

Complaint: I took out a loan for a small amount and now it has tripled in the payback cost and was sold to a collection agency
Company Response: Closed with explanation

Timely Response

2019-06-27

Sacramento, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: XXXX alerted me to collection on credit report. Called all 3 credit reporting, XXXX XXXX & XXXX to file dispute on Midwest Recovery Systems. Never heard of original creditor XXXX XXXX, nor Midwest or debt. Phone numbers to contact Midwest do not ring. Only dead silence. After reading XXXX complaints learned this is their common practice.
Company Response: Closed with explanation

Timely Response

2019-06-27

Bedford, TX

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Payday loan

Complaint: i took out a small loan with XXXX and couldn't pay it on the payment date so now it has increase and has been sold to an collection agency
Company Response: Closed with explanation

Timely Response

2019-06-27

SC

Written notification about debt

Debt collection: Medical debt

Didn't receive notice of right to dispute
Complaint: In or about XX/XX/2019 MIDWEST RECOVERY began reporting false claims against me without notice or ability to defend accounts by XXXX Hospital. I am not aware of this debt nor have I been given right to dispute the debt. I've written Midwest Recovery and Disputed reports made by this company to the three Credit Bureaus.
Company Response: Closed with explanation

Timely Response

2019-06-26

Auburn, AL

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 reported a collection on my credit report on XXXX19 of XXXX. I have not done business with this company, nor received communication of this debt. when asked for validation of debt no information was validated
Company Response: Closed with explanation

Timely Response

2019-06-25

New Orleans, LA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-06-25

Ft Lauderdale, FL

False statements or representation

Debt collection: Medical debt

Attempted to collect wrong amount
Complaint: Contacted by 3 companies representing the same debt owed, for the same service. All three are reporting individually. Only 1 represents the correct provider of service. Provider was unwilling to work on payment arrangements when spoken to and turned over to collections. I only received 1 EMS service, copies of Ambulance Record and Emergency Room Intake will follow. I was left in a XXXX from this accident and released from the hospital in XX/XX/2017 to my relatives without EMS services.
Company Response: Closed with explanation

Timely Response

2019-06-21

Galena, OH

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Notice for Proof of Claim Account : MIDWEST RECOVERY SYSTEMS LLC # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX 4 XXXX XXXX : XXXX XXXX XXXX, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and Ohio University that gave you the right to collect this debt
Company Response: Closed with explanation

Untimely Response

2019-06-21

Del Sur, CA

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
Company Response: Closed with explanation

Untimely Response

2019-06-21

Jupiter, FL

Attempts to collect debt not owed

Debt collection: Medical debt

Debt is not yours
Complaint: I was told i owe XXXX over medical bills that are not my responsibility at all. they claim i did it when i was underage around 16 years old now im XXXX trying to buy my first car and this is affecting my credit horribly how can they confuse this with me when i wasnt even legal ( 18 ) or know what its for. ni have two medical bills that i was never involved or responsible for the only thing that should be there is my XXXX XXXX and XXXX XXXX card
Company Response: Closed with explanation

Timely Response

2019-06-20

Birmingham, AL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-06-19

Columbus, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Notice for Proof of Claim Account : MIDWEST RECOVERY SYSTEMS LLC # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolid ate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX College vXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and XXXX University that gave you the right to collect this debt
Company Response: Closed with explanation

Timely Response

2019-06-18

San Antonio, TX

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: Midwest Recovery Systems recently placed derogatory information on my credit report with all three credit reporting agencies without making ANY contact with me by mail, email or telephone. This is a debt that they purchased from a payday loan company that has already been written off and significantly past the statute of limitations for such debt! This company has a long history of such unscrupulous activity and has lost their accreditation with the XXXX XXXX XXXX. I request this derogatory information be removed from my credit file immediately.
Company Response: Closed with explanation

Timely Response

2019-06-17

Edinburg, TX

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

Timely Response

2019-06-15

TX

Attempts to collect debt not owed

Debt collection: Payday loan debt

Debt is not yours
Complaint: On XX/XX/2019 I was notified by XXXX XXXX that a new collection was added to my account by Midwest Recovery Service for an debt to XXXX XXXX XXXX for {$72.00}. This is not mine and I am trying to repair my credit to buy a home. Ive disputed with no removal. I want this false debt removed from all credit bureaus.
Company Response: Closed with explanation

Untimely Response

2019-06-14

Una, SC

Took or threatened to take negative or legal action

Debt collection: Payday loan debt

Threatened to sue you for very old debt
Complaint: XXXX XXXX XXXX is attempting to collect debt through Midwest recovery systems for a payday loan that is more than 8 yrs old. Sold collection to another company and have failed to notify me in writing. Collection placed on my credit report.
Company Response: Closed with explanation

Untimely Response