| 01/19/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Please help me to resolve this as I am tired of being threatened by a company I have no knowledge of.
XX/XX/XXXX- Disputed debt with credit bureaus "I do not owe, unknown debtor", it has not been removed from my credit report as of yet.
From XX/XX/XXXX-XX/XX/XXXX I have received 10 or phone calls harassing me and asking me to verify my ss# and address. Which I would never due by phone, I asked that they send me a validation letter via mail. Still, have not received it. Every time they call I block the phone #'s, they are calling me all times of day and night.
XX/XX/XXXX-Sent certified "validation letter", it was signed for but I have yet to receive a response. Date Received XX/XX/XXXX
See letter sent below.
Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
RE: Account # XXXX
To Whom It May Concern:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 (b) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus (XXXX, XXXX, XXXX XXXX), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following: Violation of the Fair Debt Collection Practices Act and Defamation of Character.
My attorney and your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my firms managing attorney for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION
Please provide the following:
Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for Midewest Recovery System in case legal action becomes necessary. Your claim cannot and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards
XX/XX/XXXX- Received an email from an XXXX XXXX who is supposedly representing the company. See below:
Arrest Warrant
XXXX
Department of Justice
Reply|
Today, XXXX XXXX
Inbox
XXXX 359 KB
Show all 1 attachments (359 KB) Download Save to XXXX - Personal
CASE NO: XXXX XXXX which will be going to release Tomorrow XXXX XXXX XXXX in side your county court.
Attention
This is the last and final chance for you.
This Legal Proceedings issued on your Docket Number XXXX with one of XXXX XXXX XXXX. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you.
We have sent you this warning notification about legal proceedings of XX/XX/XXXX but you failed to respond on time now its high time if you failed to respond in next 12 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished.
Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.
We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to $XXXX and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future.
Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your door step.
Note : This notice is provided to you on behalf of XXXX XXXX XXXX. and its parent company , and their respective family of companies including XXXX XXXX, its parent company, XXXX XXXX XXXX, XXXX., and all of their respective subsidiaries and affiliates, (hereafter collectively referred to as the XXXX XXXX Related Companies, we, our, or us). The XXXX XXXX Related Companies include, but are not limited to: XXXX XXXX, XXXX XXXX XXXXl, XXXX., and all of their respective subsidiaries and affiliates, including those that operate under the trade names XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or any company-owned XXXX XXXX XXXX. You or Your means you as a participant in or as a user of the products and/or services offered by a Cash Advance Related Company.
WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.
TERMS & CONDITIONS YOU AGREED.
By electronically signing this Loan Agreement by clicking the "I AGREE" button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records, So now company is not liable to send you anything.
IF YOU WANT TO RESOLVE THIS MATTER THEN IMMEDIATELY CONTACT US THROUGH EMAIL (XXXX)
XXXX XXXX
Attorney at Law
XXXX XXXX XXXX XXXX XXXX
XXXX,
NY, XXXX
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| 06/19/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Since the beginning of XX/XX/XXXX, I've been receiving phones calls from Midwest Recovery Systems. Each time they call, it's an automated recording saying I need to call XXXX, never once an actual person to speak with. therefore I never called back, thinking to myself this was a hoax or theft of some sort. Yesterday, after several calls from Midwest Recovery I decided to call the number back. After a long hold time was stated, I disconnected the call thinking I could try back later. Not even a minute later, a representative from Midwest Recovery called me back. This representative asked for my ssn to identify myself, but I refused since I didn't know what this was regarding. she verified my date of birth then proceeded to tell me I was in collections for {$400.00}. I informed the representative that I didn't know what she was talking about and she refused to give me any information about this except that it was with XXXX. I told her there are several XXXX XXXX in the XXXX XXXX area, she again refused any telephone number for me to call. she said it was regarding an outstanding debt from XXXX for my son. she did not provide the exact date of service, and I would have to call XXXX for any further information. I reiterated there are lots of XXXX medical providers in our area -- she refused any further information, except she did add XXXX XXXX XXXX and something regarding XXXX XXXX XXXX XXXX and that I must pay so this is removed from my credit report -- which upset me because I would not let a balance like this go unpaid -- and if I did -- it was something I wasn't aware of.
right of way I started XXXX what numbers to call to find the right XXXX in XXXX XXXX. I placed an inquiry on XXXX 's website requesting a call asap, but that never happened. first thing this morning XX/XX/XXXX I XXXX more. I located a telephone number to XXXX and the representative informed me that all my bills for my son have been paid with XXXX, I asked about XXXX XXXX XXXX XXXX and I was provided with telephone number XXXX. I called this number immediately. I explained my situation, and the calls I was receiving from Midwest recovery -- and I didn't want to pay for something that wasn't legit so I need more information so I know what is going on. The rep was quick to say that her system didn't go back to XXXX, only XXXX she told me that I must call Midwest recovery and demand more information. I did that. I placed another call to Midwest recovery and spoke with a gentleman who gave me a little more information. he emailed me an Estatement from Midwest recovery systems. after this call I placed another call to XXXX XXXX XXXX XXXX and the same rep that said her system only went back to XXXX ... at this point I am frustrated. I am being given very little information about what this debt is for, being talked down to by Midwest recovery systems like I am a criminal, then being expected to just pay {$400.00} without explanation for what? so the collector can her their incentive ( I was a collector before so I know all about the incentives ).
but finally the lady with XXXX XXXX XXXX XXXX put me on hold and located my file. I insisted that I didn't know anything about this and I would not intentionally ignore this type of correspondence and to have this all of a sudden appear in XX/XX/XXXX blows my mind. she said that they mail statements to ( my old address, I moved in XX/XX/XXXX ) she said that I called them about a financial hardship and that I would file a dispute with my insurance company and see if this was processed correctly. she also claimed that they never heard back from me.
I told the rep that this started to sound familiar but I know that I either wrote a check to XXXX XXXX XXXX XXXX or something. so after a little longer, the rep informed me that she located in her system that I did in fact make a payment to XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX she then proceeded to tell me I needed to call XXXX but she would transfer me. the lady answered XXXX XXXX XXXX XXXX XXXX XXXX. I was very frightened by this. I never experienced anything financially with a law office before. At this point I didn't know what I was supposed to do. The rep at XXXX XXXX XXXX just transferred me here and said that I am supposed to say I paid this bill.
Finally after this lady verified me ( I was hesitant to do so because she wanted my social security number -- red flags were up ) but this lady ( XXXX ) was very nice. she said that XXXX XXXX XXXX was an inhouse representative for XXXX XXXX XXXX XXXX .... I once again told her my dilemma and how I hated Midwest recovery systems and this whole situation. I informed her this was paid, gave her dates, and offered her transaction numbers from my checking account from this transaction ( I did find my checking account statement from this and the payment was processed my XXXX XXXX XXXX XXXX ) she verified with that it was a visa debit card. I told her that I had to take a 401k loan to pay this off and I am just overwhelmed with anxiety over this. she promised me that an email would be sent to the proper contacts and I have to wait for 20 days for this to be resolved. I don't have 20 days for this to be resolved, I am needing a new vehicle and a {$400.00} outstanding medical bill in collections certainly won't help me get approved for a loan.
So after this call, I immediately called Midwest recovery systems. I informed them that this debt is not owed, gave the date the {$400.00} was paid. the lady who took the call kept insisting that if this debt was paid the hospital would not have sent to collections. over and over, I told this rep that two companies have made a mistake -- this has been paid XXXX, I told her to send this information to her supervisor. she refused to offer that assistance. INSISTED that the debt is owed and if I want to provide proof this was paid then I need to send that in to her company. I told her that if I receive another call from her company I will seek an attorney because after today I am fed up with them. she kept saying over and over that if this debt was in fact paid, her company would not have my file. I demanded this to be removed from my credit report and that if she would just send this to her supervisor maybe to investigate this a little further then this would be resolved. but the representative did not offer any assistance other than trying to provide me with an email address that I can send my proof of this being paid
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| 10/01/2019 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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idwest Recovery Systems, LLC. Hours of Operation : XXXX. XXXX XXXX XXXX : XXXX XXXX. - XXXX XXXX
XXXX, MO XXXX Friday : XXXX XXXX. - XXXX XXXX.
Toll-Free # : XXXX Website : www.mrs-direct.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MRS Reference # : XXXX Current Creditor : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX FL Account # : XXXX Account Balance : {$870.00} XX/XX/2019 Dear XXXX XXXX, This letter is sent on behalf of the current creditor listed above, regarding the amount that is now owed on the above referenced debt. The amount due is {$870.00}. If eligible, this account may be reported to all 3 of the major credit bureaus as a collection account. If you wish to know if your account is being reported, you may contact our office at the toll-free number provided. Please send the total amount due to the address listed above.
We understand that many consumers are experiencing financial difficulty in this economy and would like to help you find a resolution. Please contact our office to speak with a representative at XXXX, or visit us online at www.mrs-direct.com/payment.html.
This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.
NOTICE Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment of verification.
If you request of this office in writing within 30 days after receiving this notice this office will provide you with the name and address of the original creditor, if different from the original creditor.
DISCLOSURES We are required under state law to notify customers of the following rights. This list does not contain a complete list of the rights consumers have under state and federal law.
California : The state Rosenthal Fair Debt Collection Practices Act and the federal fair Debt Collections Practices Act require that, except under unusual circumstances, collectors may not contact before XXXX XXXX or after XXXX XXXX.
They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment.
For more information about debt collection activities, you may contact the Federal Trade commissions at 1-877-FTC -HELP or www.ftc.gov Colorado : A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt.
FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE http : //WWW.COLORADOATTORNEYGENERAL.GOV/CA Wisconsin : This collection agency is licensed by the : Office of the Administrator of the Division of Banking, XXXX XXXX XXXX, XXXX, WI XXXX New York ( due to XXXX XXXX ) : XXXX XXXX XXXX Department of Consumer Affairs License Number XXXX.
Maine : Our hours of operation are Monday-Thursday XXXX XXXX & Friday XXXX Central Time.
Massachusetts : Notice of Important Rights : You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten ( 10 ) days unless you provide written confirmation of the request postmarked or delivered within seven ( 7 ) days of such request. You may terminate this request by writing to the collection agency. Agency hours If you no longer wish to receive these emails. Reply no more emails to XXXX at any time.
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| 10/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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NEVER received proof that debt belongs to me or that I agreed in writing to pay Midwest Recovery. They reported to the credit bureaus a collection account that is fraudulent and frivolous in nature. Be advised this is a notice that your claim is disputed and validation is requested immediately. Under the Fair Debt collection Practices Act ( FDCPA ) /FCRA, I have the right to request validation of the debt Midwest Recovery says I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt to Midwest Recovery. This is a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I request that your offices provide me and CFPB with competent evidence that I have any legal obligation to pay MidwestRecovery. At this time I will also inform them that if their offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by Midwest Recovery or the companies you represent, I will not hesitate in bringing legal action against Midwest Recovery and their client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. My consumer rights attorneys and your legal staff will agree that non-compliance with this request could put Midwest Recovery in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I require 30 days to investigate this information and during such time all collection activity must cease and desist. All items of collection added to credit bureaus must be removed. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my attorney to continuing filing suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If Midwest Recovery fails to respond to this validation request within 3 days from the date of this complaint, all references to this account must be deleted from my credit file and a copy of such deletion request shall be sent to me immediately. CREDITOR/DEBT COLLECTOR DECLARATION pursuant to FDCPA/FCRA laws. Please provide the following ( please note all items must be completed and original forms no copies ) : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor and agreement that alleged debtor agreed to pay Midwest Recovery ( in its entirety with debtors signature in writing ). Any insurance claims made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number associated with original creditor. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable with contract agreeing to payment signed by alleged debtor and Midwest Recovery Date of original charge off or delinquency from original creditor. Verification that this debt was assigned or sold to collector. Complete accounting ( ledger/statements ) of alleged debt on original creditors books and Midwest Recovery books Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for Midwest Recovery in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with original documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act and FCRA guidelines. Please allow 30 days for processing after me and my attorney receives the requested
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| 02/01/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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I received a notification from the Credit Reporting agencies that Midwest Recovery Sys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX had added an account showing me as being deliquent with them. I have never contracted to do business nor are they in receipt of any such request on my behalf. I have sent them a cease and desist letter because of the following : Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information from them because I have some questions. I need to hear from them to make an informed decision about your claim that I owe this money. I am open to communicating for this purpose. In order to make sure that I am not put at any disadvantage. Please remove this entry until all research and validations are completed. I have no idea who XXXX XXXX XXXX and XXXX is.
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| 12/04/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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I received a notification from the Credit Reporting agencies that Midwest Recovery Sys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX had added an account showing me as being deliquent with them. I have never contracted to do business nor are they in receipt of any such request on my behalf. I have sent them a cease and desist letter because of the following : Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information from them because I have some questions. I need to hear from them to make an informed decision about your claim that I owe this money. I am open to communicating for this purpose. In order to make sure that I am not put at any disadvantage. Please remove this entry until all research and validations are completed.
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| 08/02/2018 |
No |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received notice that I have a collection account on my XXXX Credit Report. I was never notified prior to this account being added on my credit report also I don't know anything about this account. Please remove this account immediately.
Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX XX/XX/2018 MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX RE : Unknown Account On TransUnion Credit Report To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records and any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
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| 05/13/2016 |
No |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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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.
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| 01/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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On XX/XX/XXXX Midwest Recovery System put a collection account on my credit file for {$690.00} from a 12EZ Online PDL. Wow, this is the first I am hearing or seeing about this. When I never borrowed money from this company. So, I going to go through the proper channels and dispute this debt and ask for validation from Midwest Recovery System. Due to your erroneous reporting to the Credit Bureaus, the negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursant to the Fair Debt Collection Practice Act, 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe Complete accounting ledger of said charges Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgement if applicable Identify the original creditor Prove the statue of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and registered agent or agent service At this time I will also inform you that if your offices have reported invalidated information any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your office are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit repository that could be inaccurate or invalidated or verifying an no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX ) request shall be sent to me immediately. I would also like to request, in writing that no telephone contact be made by your company to my home or my place of employment. If your office attempt telephone communication with me including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done through CFPB. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
CFPB please note that this is the second time Midwest Recovery System said I owed a debt that I do not owe. That they could not show proof the first time I had owed. In reference to CFPB complaint number XXXX that was filed on XX/XX/XXXX.
Thank you for your time.
XXXX XXXX
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| 08/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Midwest Recovery System has put a collection on my report and this collection does not belong to me. I have no contract with them now or will ever sign any contract with them. I have never made any type of business with this company. The account states that it was opened in 2 different dates which in both of those dates I was not in the country. I demand this company to erase this collection off my report immediately per FCRA 15 USC section 1681i. I have not ever received any paperwork of them trying to collect any debt and they need to send anything in written in advance before submitting a collection to my credit report.
Please provide the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt.
2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
3. Any insurance claims been made by any creditor regarding this account.
4. Any Judgments obtained by any creditor regarding this account.
5. Name and Address of alleged creditor.
6. Name on file of alleged debtor.
7. Alleged account number.
8. Address on file for alleged debtor.
9. Amount of alleged debt.
10. Date this alleged debt became payable.
11. Date of original charge off or delinquency.
12. Verification that this debt was assigned or sold to collector.
13. Complete accounting of alleged debt.
14. Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for " MRS '' in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days from processing after I receive this information back.
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a resquest for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
|
| 11/18/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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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.
|
| 07/16/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Here we go again. Back in XXXX, this same company, Midwest Recovery Systems, pulled this same stunt about a debt they alleged that I owe on a payday loan that I supposedly took out over 10 years ago. Here is the details of the original complaint : Complaint number:XXXX. : I filed a complaint on XXXX with XXXX Credit Reporting and also with XXXX for a collection that was recently placed on my credit reports by a collection agency named Midwest Recovery Systems . Allegedly, the collection agency, Midwest Recovery Systems, claims that I have a unpaid Payday loan with a company called XXXX XXXX in the amount of {$1200.00}.
In the Commonwealth of Virginia, it is against the law to obtain internet Payday loans and it is also against the law to provide payday loans to Virginia residents if your are not a licensed business in the Commonwealth of Virginia. With those laws in effect, how would it be possible for me to take out said loan.
Also the Payday loan laws in Virginia state that the maximum amount you can borrow at one time on a loan in Virginia is {$500.00} so how would it be possible for me to take out a loan in the amount of {$1200.00}.
I was not notified by mail or by phone by Midwest Recovery Systems of this alleged Debt Collection prior to it being reported to the credit bureaus. Midwest Recovery Systems. I'm not even sure if Midwest Recovery Systems is a licensed to do business in the State of Virginia.
We have followed our dispute policy and haven't had any further communication with the consumer. No future follow up is planned. Our dispute policy is once we have received a dispute we immediately stop all collection efforts and send a record of dispute to all three credit reporting agencies. Then we request validation of the debt from our client and once that is received we forward that on to the consumer for review. This account will be closed. If validation is unobtainable then we immediately send a record for deletion to all three credit reporting agencies and then close and return the account to our client.
As stated in my original complaint below, Midwest Recovery Systems is ruining my credit by placing false information on my credit report. Not only are they reporting the negative information to all three credit bureaus, the same account is now showing up TWICE on all credit reports so I now have duplicate false information on all three reports for the alleged same false account. They said they were going to delete the information from all of my reports but instead it is now showing up twice.
Here is the original complaint : I filed a complaint on XXXX with XXXX Credit Reporting and also with XXXX for a collection that was recently placed on my credit reports by a collection agency named Midwest Recovery Systems. Allegedly, the collection agency, Midwest Recovery Systems, claims that I have a unpaid Payday loan with a company called XXXX XXXX in the amount of {$1200.00}.
In the Commonwealth of Virginia, it is against the law to obtain internet Payday loans and it is also against the law to provide payday loans to Virginia residents if your are not a licensed business in the Commonwealth of Virginia. With those laws in effect, how would it be possible for me to take out said loan.
Also the Payday loan laws in Virginia state that the maximum amount you can borrow at one time on a loan in Virginia is {$500.00} so how would it be possible for me to take out a loan in the amount of {$1200.00}.
I was not notified by mail or by phone by Midwest Recovery Systems of this alleged Debt Collection prior to it being reported to the credit bureaus. Midwest Recovery Systems. I'm not even sure if Midwest Recovery Systems is a licensed to do business in the State of Virginia I want ALL NEGATIVE INFORMATION REMOVED FROM ALL MY CREDIT REPORTS IMMEDIATELY OR I WILL SEEK LEGAL ASSISTANCE.
|
| 07/14/2016 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
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This is being submitted with help by the XXXX.
I took out a loan in XXXX with XXXX. It was XXXX XXXX when I took the loan out according to my records. I borrowed {$710.00} and repaid, I believe every two weeks, in the amount of {$210.00}, through XXXX of XXXX. While I do n't remember everything from that far back, I do have an email from XXXX in XXXX XXXX saying I had to call them to complete a new loan request, however, I never received any subsequent notifications that I actually obtained a new loan with a new loan amount and new payment amount, as I had for the XXXX loan. At the time, I was advised by my bank to close my account and open another one because they thought it could be possibly be illegitimate, which I did, as my records show. I received XXXX email from XXXX after the account change, but I never heard from them again. I have later realized that the loan I had was considered void in my state of Virginia.
I received a some crazy debt collection calls several months ago, but the debt buyer just kept saying I owed money, but never provided any proof, even when asked.
On XXXX XXXX, I received another set of calls. I returned the missed calls, to a woman, XXXX XXXX, who told me I owed them, for an XXXX. She was actually with Midwest Recovery Systems. I asked her to provide proof for the debt, because I had received calls several months earlier from a different company. She emailed me a debt collection letter as the proof I had asked for, but there was no actual proof or any documentation from XXXX, as to what was borrowerd, how much was paid, or how much was left on the loan before and after going to collections with them. The letter they sent as proof of the debt also disclosed that the owner of the debt was XXXX XXXX XXXX, XXXX, a company I had never heard of or heard from. I did n't receive any other contact or proof documentation that I had asked for, but I had received notifications from my credit monitering service on XXXX different occasions that Midwest Recovery Services had negatively reported on all XXXX credit bureaus. I was still waiting for the proof I requested, but it never came, so today I called back the initial number from XXXX XXXX, and talked to a XXXX XXXX, with Midwest Recovery Services. He said they are not the ones that have to provide proof, that I was the one who need to prove to them that I did n't still own on the XXXX account. I was shocked by that statement. I really did n't want to deal with this without any documentation, but I asked if I was to try to pay, how much would hey be willing to take. XXXX said that the owner of the debt, XXXX XXXX XXXX would n't be willing to take anything less than 50 % of the {$1500.00} they say I owed. I asked if I paid that amount ( 50 % ) would that take it off my credit. XXXX said no, the only way they would take it off my credit is if I paid the full amount of {$1500.00}, in essence he was extorting me out of the other 50 % for themselves to take it off of my credit reports.
Also when I look at XXXX XXXX, it shows the open date of the loan as being XXXX XXXX of XXXX. The loan was clearly from XXXX, and until I received documentation from the original loan, with proof of exactly what was owed, an accounting, and proof that the loan is n't void in Virginia, I do not think they should be putting it on anyone 's credit.
I am also puzzled why no proof is necessary on the part of the debt collector to show why so much was owed, and where any fees were added along the way. By my own records and calculations, I paid at least {$1500.00}, likely more on the loan before XXXX of XXXX, more than would XXXX required, as the loan is void in Virginia. The most troubling thing to me is the lack of proof on what was owed.
|
| 08/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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I am writing about a incorrect COLLECTION item which was falsely reported to my credit file from a DEBT COLLECTOR in XX/XX/XXXX ( more than a year ago ) and has damaged my credit and reduced by credit scores. I was not aware that this item had been reported to my credit report until today. XX/XX/XXXX. No attempt to collect the debt was made. No calls. No letters. Midwest Recovery Systems claims that they sent an email to an old address of mine to collect the debt. Since when are debt collectors, collecting debts via email.
I spoke to a supervisor at Midwest Recovery Systems named XXXX XXXX at XXXX xXXXX. During the conversation, it became clear that they had no intention of resolving the issue in a fair manner. They had no desire to verify whether this was a valid debt reported by the ORIGINAL CREDITOR ( XXXX XXXX XXXX XXXX ). All they cared about was me paying off the debt without confirming and letting me at least confirm if it was a debt that I owed.
I am being held hostage by Midwest Recovery Systems because they state that they will delete the negative collections entry from my credit report, if I make the payment of {$93.00}. I asked the debt collector to provide this to me in writing but they claim that they can not do that. They claim that I have to trust them and that they have a A+ rating with the XXXX. This fraudulent debt collection practice needs to stop and Midwest Recovery Systems should be taken to task for holding people hostage in this manner. It is a well known fact that Collection items once paid are just marked as " paid '' in the credit report but remain on the credit report for 7 years.
The original debtor XXXX XXXX XXXXXXXX XXXX, a theme park, is also in serious violation of consumer rights. I have been a member at XXXXXXXX XXXX XXXX XXXX since XXXX. I spoke with their membership department to cancel my membership on XX/XX/XXXX. At the time, they convinced to stay on as a member by offering me a rate of {$15.00} per month ( a big discount from the original amount of $ 45+ per month ) and convinced me to stay on as a member stating that I could always cancel anytime. On XX/XX/XXXX, I realized that I was barely using the membership and sent them an email asking that my membership be canceled. They responded stating that I owed them a termination fee {$45.00} because I had signed a 12-month membership. This was completely untrue. I asked them to send me proof of me signing such a membership. To which they sent me an EMPTY membership agreement, and said that I had digitally signed it. I never digitally signed any such membership agreement when they offered me this attractive rate of {$15.00} per month and stated that I could cancel anytime. I would challenge XXXX XXXX XXXX XXXX to provide the Membership Agreement which they claim I signed digitally or otherwise.
In closing, I never owed the amount in dispute. And I was never given a chance to dispute the collection attempt. I did not even know that the collection item had been on my credit report and had damaged my credit for over 18 months.
I request you to help me resolve this issue. This invalid and incorrect COLLECTION REPORT on my credit report should be removed. Please also have XXXX XXXX XXXXXXXX XXXX provide you with a signed membership agreement which claims that I owed them 12 monthly payments of which 3 were not paid. If they are unable to provide such an agreement then they should remove this debt from my account.
I will leave any punitive decisions for you to make.
Regards, XXXX XXXX XXXX XXXX membership number : XXXX Midwest Recovery Systems credit file number : XXXX ( that is all I can see on my credit report )
|
| 01/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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This year on XX/XX/XXXX I decided to restart paying debt. I reached out to the names on my credit report to settle. Midwest Recovery System happened to be one of them. I called and spoke to XXXX XXXX. I explained to him that I wanted to settle a debt that was sold to them from XXXX XXXX. XXXX read to me the information and confirmed the last four of my social. He let me know that we are in a recorded line. To confirm the account more he stated the open date of the account and the time the account was sold to them. He stated the account was opened since XX/XX/XXXX. Because on my credit report it states that the account was open XX/XX/XXXX I said well that doesn't sound accurate. But I didn't know much about statue of limitations nor did I realize til after the fact that I had paid Midwest recovery system {$300.00} to settle this account. XXXX had also mentioned to me that the account was charged off XX/XX/XXXX. After we hung up and I received receipt that may payment had gone through I called the original creditor XXXX XXXX to confirm some information. I spoke with XXXX out of XXXX Texas. I asked her who the debt was sold too and when. I also asked her that date of delinquency. She told me I opened the account at hand XX/XX/XXXX and that it was sold XX/XX/XXXX. She said she was not aware of the delinquency date. She provided me with my original account number and the information to the credit agency it was sold to XX/XX/XXXX. The name she provided was not Midwest recovery system but was actually called " XXXX XXXX XXXX XXXX ''. I then thought to myself why is it showing that I owe {$850.00} to XXXX XXXX in the first place and why is this on my credit report secondly why is this account reporting XX/XX/XXXX as an open account still today. When it should be closed account with the date as XX/XX/XXXX which is the original date of the loan. I am very disappointed with Midwest recovery systems. Not only did they take advantage of me. They failed to report the correct information to the credit bureaus. For 2 years now this account has been reflected in my credit report as being open. I decide to do what's right and pay my debt and get on the right path, trusting that the information provided on my report was accurate but it wasn't and they knew that they had no right to take money from me knowing the original date that should have been reflected would have made this account over the statue of limitations and the account should have been off of y account two years ago. They tricked me and should not get away with this. I don't believe this is a real agency and i know for a fact they are reporting false information. Had I known before about statues of limitations I would have questioned and disputed this as to why it was still on my account for a total of 8 years. I live in Texas it should have been removed after 7 years and should have stopped reporting. It reported last XX/XX/XXXX. This account is holding my credit score down and although it is now payed and considered settled it will only update to just that. This account should be moved from my profile immediately! This is against the law and I will not let this happen to me and I will let others be aware of what's gone on. Agencies are by law supposed to report accurate info. The credit bureaus have gotten a dispute and I am waiting on an answer. I demand this account be removed! And I demand Midwest be honest when collecting debts because some people only try to so the right thing like myself. I am a single parent and XXXX XXXX XXXX XXXX and I work part time. It is hard as it is and when I decided to be responsible I get taken advantage of. Shame on them!
|
| 06/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
On XX/XX/2018 Midwest Recovery System put a collection account on my credit file for {$250.00} from a check into cash. Wow, this is the first I am hearing or seeing about this. When I never borrowed money from this company. So, I going to go through the proper channels and dispute this debt and ask for validation from Midwest Recovery System. Due to your erroneous reporting to the Credit Bureaus, the negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursant to the Fair Debt Collection Practice Act, 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe Complete accounting ledger of said charges Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgement if applicable Identify the original creditor Prove the statue of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and registered agent or agent service At this time I will also inform you that if your offices have reported invalidated information any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your office are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit repository that could be inaccurate or invalidated or verifying an no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX ) request shall be sent to me immediately. I would also like to request, in writing that no telephone contact be made by your company to my home or my place of employment. If your office attempt telephone communication with me including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done through CFPB. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regrds XXXX XXXX
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| 08/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
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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?
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| 07/26/2016 |
No |
- Debt collection
- Payday loan
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Older American, Servicemember |
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Midwest Recovery Systems, LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Missouri XXXX, owned by a one XXXX XXXX XXXX, recently made an untruthful collection entry onto my XXXX credit report ( XXXX XXXX ). In the entry, Midwest alleges I owe a {$510.00} debt to payday lender XXXX XXXX XXXX XXXX supposedly due in XXXX XXXX. This claim is blatantly untrue. I never applied for, nor have I ever received a payday loan or funds from XXXX XXXX XXXX XXXX, nor any other person or entity. Midwest 's negative collection entry upon my credit report with XXXX is an attempt at identity theft, identity fraud or identity impersonation ; one or all being a fabrication tantamount to extortion ( ruining my credit rating ) to coerce me into paying Midwest and/or XXXX monies that I do not owe.
My research has uncovered that Midwest Recovery Systems, L.L.C. is not a licensed collection agency in Florida where I live. In addition, XXXX XXXX XXXX XXXX XXXX, and its numerous affiliates, have never been incorporated in Florida, nor have they ever been licensed in XXXX as a money transmitter, a payday lender, a deferred presentment provider, or a money service business.
Moreover, I have discovered that XX/XX/XXXX, the CFPB sued XXXX XXXX, XXXX, and his multitude of companies, including XXXX XXXX XXXX XXXX XXXX XXXX al ( Case XXXX ) for using " information bought from online lead generators to access consumers ' checking accounts to illegally deposit payday loans and withdraw fees without consent, '' collecting XXXX from consumers over a 15-month period. The United States District Court for the XXXX District of Missouri granted the CFPB 's request for a temporary restraining order, freezing the defendants ' assets, and installing a receiver to oversee the business.
In addition, I have further learned that, following an extensive investigation, on Wed., XXXX XXXX, XXXX, Manhattan U.S. Attorney XXXX XXXX announced criminal charges had been filed against the owner of XXXX and its affiliates, to wit : a one XXXX XXXX, XXXX of operating a XXXX fraudulent internet payday lending enterprise whereas the defendant extended predatory loans to more than XXXX financially struggling Americans, including victims who never sought them. '' As per the XXXX XXXX, XXXX announcement, " XXXX XXXX XXXX, the United States Attorney for the XXXX District of XXXX ; XXXX XXXX XXXX, the Assistant Director-in-Charge of the XXXX Office of the Federal Bureau of Investigation ( " FBI '' ), and XXXX XXXX XXXX, Inspector General for the Board of Governors of the Federal Reserve System ( " Federal Reserve '' ), announced today ( XXXX XXXX, XXXX ) the unsealing of an indictment charging XXXX XXXX, XXXX with wire fraud and violating the Racketeer Influenced and Corrupt Organizations Act ( " RICO '' ) and the Truth in Lending Act ( " TILA '' ) for operating a payday lending enterprise that systematically evaded state usury laws in order to charge illegally high interest rates, and for issuing payday loans to consumers who never even sought them. XXXX was arrested this morning and will be presented later today in federal court in XXXX XXXX, Missouri. The case has been assigned to U.S. District Judge XXXX XXXX. '' ( announcement continued ).
Last week, I asked XXXX to remove the incorrect collection entry alleged by Midwest Recovery Systems, L.L.C. and/or the defunct and illegal XXXX XXXX XXXX and await to hear from XXXX that the untruthful collection entry has been removed from my credit report.
Thank you for submitting!
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| 01/16/2018 |
Yes |
- Debt collection
- Payday loan debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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on XX/XX/XXXX I received a notification from XXXX XXXX to advise me that a new collection account was on my credit. I was bit alarm since I have made it my point to work on my credit for the past few years. Due to the holidays I was not able to call unit XX/XX/XXXX. I called the collection agency after the I was given the call recording and mini Miranda and i verified my social security number and mailing address, I was told who the original creditor was and when the debt in question was originally incurred. I asked the rep when they sent me my first notice notification me of the debt and she mentioned that she would send it after our call. she refused to tell what attempts they made to contact me. I asked when the dent was assigned to them and she mentioned that it was assigned to them on XX/XX/XXXX, I asked when they reported the debt to the credit beuros and she said on XX/XX/XXXX, just 5 days after they received it. I asked if she confirming that is was reported 5 day after they received it although they made not attempt to notify me in writing nor allow the 30 days to dispute the validity of the debt. I asked to speak to supervisor or manger and she mentioned that no one was available. She reluctantly gave me the manger and supervisor information. I called back on XX/XX/XXXX and asked for a supervisor. The rep asked if he could assist me told him that i wanted to speak to a supervisor when i called last Friday and was told that no supervisor was available. " XXXX '' confirmed he was there Friday night and that a supervisor was available and was not sure why I would have been told that. The person that he transfer me to was the same exact person that i spoke to on Friday. I talked to the same rep XXXX XXXX and asked for a mange. I spoke to a manage XXXX XXXX and questioned again about the time frame in which they acquired the debt and reported the debt. she confirmed that the account was reported 5 days after it was acquired. I cited the FDCPA and mentioned that they are in violation for section 806, 807 808 and 809. I told her that i never received my 1st notice nor the 30 days allowed to dispute the validity if the debt. She mention that she only hast to send me a notice 5 days after contact. I informed her that was never given the validation period of 30 day 's she said that the FDCPA state that i have 30 days to dispute and that nothing is mentioned that they can not report. I asked what attempts did they take to send me a notice and she said " we have thousands of accounts, we do not send letters unless we make contact with someone '' she said " If you pay it, we will remove it ''. I asked if that was her way to try to force me to pay for a debt that she has not confirmed is even valid. she said not but that it was the easiest way to get it resolved. re refused to listen to what I had to say so i did get a bit upset and use profanity since she was being unreasonable and was not answering my concern.
this company 's tactic are wrong. this was placed on my credit without they allowing me the right to know of the debt, they did not validate the debt and to this date XX/XX/XXXX. I have not receive written communication from them. since this was placed on my credit, i have been unable to move and get a new home for my children and I. I have disputed this with the credit beuros however, it takes 4- 6 weeks to resolve.
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| 04/01/2018 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I was notified by several.of my credit monitoring services trusted is .XXXX XXXX..XXXX XXXX. That a new negative account.was added to my credit. On XX/XX/XXXX. Upon.checking.the alert I found XXXX XXXX XXXX XXXX had placed a debt for. {$700.00} original debtor XXXX XXXX or XXXX XXXX their.one.in.the same as a collection.account that was placed with XXXX XXXX XXXX on XX/XX/XXXX. Upon.calling them mid West inquiring on.this.it.was revealed that they were trying.to.collect a.paid.debt. this.debt was.already paid.thru XXXX XXXX debt collection back.in.XX/XX/XXXX it was paid.in.full.an.I.did.that just to.get it.off.my.credit as I.did.not.make.that debt as I.am.in.process.of.purchasing.a.home. I.contact mid West an they said.to send them.email ofnoroff.of.payment to.XXXX which I.did an they have not deleted the frivolous claim.they put.in my.credit.why are they able.to attempt.to.collect.a.paid.debt where do.they get the.info.of.these debts an is there not.a.system.in.place to.reflect they are paid.I feel after lengthy online.investigation that mid West among other are fraudulently.trying.to.collect any debts paid.or.not.an.no.paying.the debt or the right.s to.collect. it has damaged.my credit.49 points my credit worthiness an.deflation of.my.character I.want this.removed from.all three bureaus.an.any other.credit bureaus that collect.or.log.ie XXXX XXXX etc.an.my score.out.back.to.where it.was.I.just got.a gold we I have worked very hard to.achieve good.credit XXXX to have it wrongfully.ruined. I.am.already victim of 4 different data breaches An I.do n't have time.to.not.should.I.have to.worry about this.an.undue.distress.an potential inability now.as underwriting.will.pull a.report an.see this timing.is.not.on my.side..
XXXX XXXX XXXX MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX This is the company trying.to.collect a paid debt This.is.the company I paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX. Ks XXXX XXXX File # with XXXX XXXX XXXX An on my paid receipt XXXX XXXX showed a XXXX XXXX XXXX dept XXXX XXXX..al XXXX An XXXX XXXX agreed if.I paid.it.in full when I.called in it they would delete remove it.from my.bureaus an.u.would.have to.wait 30 days to.do it an they did.not.have it.done.in that time an I.called them.again.an. basically was told to.wait.30 to.45 days an not.to.dispute or.it. would have to.start the time.wait over again. after 45 days I.disputed.a. still had to.re dispute as the verified as a accurate debt an left.it.paid.collections.I.called XXXX XXXX again an.using threat of.taking them.to.court they finally 39.additinalndays later removed it.after I.disputed it.a.second.time..
I am.seeing.damages for.the slander.and.deflamatiim of.my an.credit.worthiness.an.character. an.I.want the agencies to.be fined.for.their. faults.I.believe their.XXXX a pop for attempting.to.collect.a.paid.debt Dilute.to.notify me.at all.of.their attempt to collect.
or.5 day notice to.place in.my credit my address is.currently report Collecting.a debt when they are.not.even.in the county.the debt originated.
Throw the book.at them.an.please get.this.off.my.credit.
You can.reach me.at XXXX XXXX XXXX XXXX.
If.prompted I.will.upload.proof.of payment an the other info.I.have .respectfully.
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| 11/11/2016 |
No |
- Debt collection
- Payday loan
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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* * * I DID NOT OBTAIN A LOAN FROM XXXX/XXXX. I repeat I have never done any business with XXXX/XXXX. I never got nor received a payday loan/money from XXXX. Someone used my Identity to open an account with XXXX. This is IDENTITY THEFT/FRAUD SCAM : I take my credit serious and do have a 100 % Excellent Pay History with all XXXX-Credit Bureaus. On Tuesday, XX/XX/XXXX. I checked my credit as I do every day. I noticed an odd name on my credit report with XXXX & XXXX that I have never seen before " MIDWST RCVRY " {$720.00}... I immediately called XXXX Credit Bureau to place a FRAUD/DISPUTE ALERT ON MY CREDIT REPORT and they immediately placed a FRAUD ALERT to all of Credit Bureaus : XXXX and XXXX. It was XXXX that gave me more information about who & what is " MIDWST RCVRY " {$720.00}...
They told me it was Midwest Recovery Systems to call them at XXXX, so I did call Midwest Recovery Systems on Wednesday XX/XX/2016, and spoke to XXXX, she told me there was a loan opened XX/XX/XXXX with XXXX, XXXX XXXX chking acct # : XXXX, that is all the information XXXX had and I told her I do not have a checking acct # : XXXX with XXXX. I also spoke to XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Manager and XXXX. Everyone at Midwest said the loan opened XXXX, but they show no deposit date of funds and they do not know the amount of funds. That already shows INVALID INFORMATION, IDENTITY THEFT/FRAUD. I told them I have never opened a loan with XXXX XXXX XXXX, I never received any money from them. I do not know who they are, I do not have a checking acct # : XXXX, there is no paper work ever sent to me from XX/XX/XXXX till present XX/XX/XXXX to tell me I owe this debt. How can I owe a Debt I never got nor opened with XXXX. So far all the information they have does not apply to me, it is INVALID INFORMATION. I was able to learn more about XXXX they went out of business to discover XXXX, bought a list and I called over at XXXX XXXX XXXX, on Tuesday XX/XX/XXXX. This is the information I have found on XXXX/XXXX, XXXX, XXXX NY XXXX, XXXX : XXXX, Phone : XXXX, XXXX Email : XXXX... Additional Employees : No known Employees and the web site link does not work. I have called and no one answers. I am not able to get hold of anyone. I called back to XXXX, to tell them how upset I am over this IDENTITY THEFT SOMEONE IS USING MY NAME, THIS IS FRAUD/SCAM created by from XXXX & XXXX. I WILL NOT PAY {$720.00} FOR A PAYDAY LOAN I NEVER GOT.
I AM A VICTIM OF IDENTITY THEFT/FRAUD. I was told by XXXX to file FRAUD/COMPLAINS with XXXX, CFPB, Attorney General Office, and file a Police Report. I have done all of that. I have filed FRAUD ALERTS AND COMPLAINTS WITH XXXX, CFPB, Attorney General Office and Police Report as of Wednesday XX/XX/XXXX. I gave it another try and called XXXX XXXX XXXX XXXX, Wednesday XXXX XXXX, XXXX and spoke to XXXX and XXXX. Wow someone answered over there. I am shocked. I ask them about XXXX, to let them know it is FRAUD, someone used my name with them and I did not take a loan from XXXX and both XXXX & XXXX told me all they did was give a list to Midwest Recovery Systems and they did not validate the list of the information to make sure it was correct and accurate. I told XXXX who I was, he has no information to give me all he said was XXXX
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| 09/24/2017 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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On Friday, XXXX XXXX, XXXX, I received a voicemail message from a company, Midwest Recovery Systems asking me to call back for a very important message. I called back thinking this was the company that had been calling to reach another person with the same last name. I was going to ask them to again remove my number from their database. When I called, XXXX XXXX answered and asked was I calling from xxx-xxx-xxxx, I said yes, she then, asked for XXXX XXXX, I said speaking. She said that she had an important business matter on her desk that I needed to resolve and wanted me to confirm some personal information. She first asked for my date of birth, I asked her what company she was calling from and she said that she already told me that information. I said 'I am not confirming or giving you any information until you can tell me the nature of this call '. She said that she could n't tell me anything until I confirmed information. I then told her 'that I am not giving her any information ' and was in the process of telling her not to call me again when she rattled off " I am trying to help you, I do n't have any collectors calling me, all my bills are paid. I do n't need you to tell me anything, I have all your information right here in front of me. Your DOB is xx-xx-xxxx and your social security number is xxx-xx-xxxx. At this point, she was being very belligerent and was overtalking me, I could n't get a word in. So I said do n't call me again and hung up. I was very upset and angry. I could n't understand why she was being so ignorant and aggressive. I called back and got a different representative by the name of XXXX XXXX. I said that I was calling back to get the name of a representative ( I did n't write it down initially because I did n't think I would need to. I thought it would be a simple remove my number from your database call ). I just talked to about 5 minutes ago so that I could file a consumer complaint. I said if you ca n't help me just let me know and I will find another way to make my complaint. She said quickly, that the employee was right and that by law they ca n't give any information without knowing that they are speaking with the correct person, but that she could connect me with the employee 's supervisor. XXXX XXXX came on the line and I explained to him why I was calling. He also wanted to tell me what they could do by law. My response to his statement was, 'I never gave or confirmed any information to the representative. She was being very aggressive when the call did n't go the way she wanted and blurted off to me a date of birth and a social security number. For one of your company employees to claim to not be able to answer a simple question about the true nature of the call without confirming personal and protected information, but in the same conversation give personal and protected information on someone they suspect to be the correct person is a contradicton. And I am sure is in violation of some law of credit/collection practices. ' He gave me the employees name and I informed them that I would be filing a complaint on the business for harassment.
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| 09/27/2018 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
Servicemember |
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I feel third-party debt collector Midwest Recovery Systems ( MRS ) is currently violating state and federal laws when reporting accounts to the credit bureaus. When MRS purchases old debts from an original creditor they never contact the consumer, neither 30 days prior to reporting it or 30 days after reporting it. They are in the business of reporting fraudulent or erroneous information to the credit bureaus with the intent to deceive consumers for financial gain. MRS has a history of reporting old accounts, outdated accounts, fraudulent accounts and inaccurate accounts to the three major credit bureaus without validation. When reporting these accounts they knowingly report invalidated accounts, inaccurate balances, erroneous open dates ( to re-age accounts ) to keep the accounts on credit reports longer and different address to avoid consumers complaints. Also, when you dispute their claim through the three major credit bureaus, they update your account with a blanket statement that it complies with the FCRA and age the account to include missed payments.
Currently reported the following : XXXX ( credit report dated XX/XX/2018 ) Account name : XXXX XXXX Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/2018 Account Status : open Bal : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX ( invalid number ) XXXX ( credit report dated XX/XX/2018 ) Account name : Midwest Recovery Systems Original Creditor : XXXX Date Opened : XX/XX/2018 Account Status : closed Bal : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ( credit report dated XX/XX/2018 has no collection account from Midwest Recovery Sys or XXXX ) ( Credit report dated XX/XX/2018 contains the following information ) Account name : Midwest Recovery Systems Original Creditor : XXXX Date Opened : XX/XX/2018 Account Status : closed Status Updated : XX/XX/2018 Bal : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX *MRS did not report to XXXX until XX/XX/2018 after I filed a XXXX complaint on XX/XX/2018. With a balance date or XXXX *MRS flagged my account on XX/XX/2018 as collections, with a balance date of XXXX *Updated XX/XX/2018 as FB ( failed to pay ) As you can see that this company has a habit of providing erroneous and conflicting reports to the different credit bureaus in an attempt to deceive for financial gain. I never opened an account with MRS or XXXX in XX/XX/2018 as they have reported. I find it odd that they never contacted me or sent any correspondence concerning his supposed debt. I also find it disturbing that they would report different information to the bureaus as well as continue to provide misleading and erroneous information while my dispute is being investigated.
Spoke with XXXX XXXX of MRS XX/XX/2018 and she refused to discuss the supposed debt because I wouldnt provide my social security number or date of birth. I did not feel comfortable providing this information seeing that they have been very deceptive in their practices.
At this point I feel I have no other option than to hire legal representation to resolve this.
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| 08/10/2019 |
No |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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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.
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| 06/11/2020 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX balance billed be for an emergency room visit on XXXX.
According to the EOB from the insurance company I should not have been billed.
I called and was told not to worry it would be adjusted on the next statement. Received a few more statements, then stopped receiving anything.
XX/XX/2017 I receive a letter from a lawyer regarding this same bill. I did not initially remember so I disputed via fax and asked to send supporting documentation. I received nothing and sent another fax on XXXX stating that I had not received anything and considered the case closed.
XXXX I receive a notice from XXXX XXXX XXXX XXXX I called and spoke with XXXX XXXX found out what it was for. Called XXXX XXXX and questioned about it.I spoke to XXXX who informed me that I shloud not have been balance billed. Followed up several times and was told that the " XXXX XXXX XXXX '' XXXX XXXX would be notified and would have to pull it from collections.
I followed-up several times with XXXX I spoke with XXXX and his supervisor XXXX who all promised me that it was being escalated and it would be pulled from collections.
I called XXXX back on XXXX and spoke with XXXX XXXX and asked her to call XXXX to verify - she refused to call.
It showed up on my credit report and I disputed it. It was removed.
I did not hear anything further.
On XXXX I got an alert that there was a change in my credit report.
XXXX XXXX XXXX added a collection to my credit report and it tanked my credit 19 points. I immediately called XXXX at XXXX XXXX - XXXX XXXX - no sound I called back and spoke with XXXX XXXX who could not find anything using my SS # or my last name. I was transferred to XXXX XXXX who told me this was from a hospital visit on XXXX. I informed him that this was already resolved years ago. I also asked why they never bothered to send me something in the mail, but instead hit my credit report. He claimed that they did not have to. He gave me an email to send the proof that I did not owe this.
The insurance I had at the time was XXXX XXXX which was dissolved in XX/XX/XXXX. I have tried to contact them regarding a copy of the EOB to prove that I should not have been balance billed because I have pulled these papers out so many times, I can not find the original EOB.
I also intend to write to XXXX and the XXXX Attorney General.
I pulled out what ever I could find from XX/XX/XXXX and called XXXX XXXX again, this time I spoke with XXXX XXXX who told me that indeed their records show that this was supposed to be pulled back from collections. She was going to escalate it to her boss XXXX XXXX so that XXXX the " Credit Agency Liason '' could remove it from collections.
Midwest, even though I told them that this was not owed, hit my credit again on XX/XX/XXXX this time with a late payment so yesterday my credit tanked another 9 points.
This is a nightmare of illegal billing.
|
| 08/21/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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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!
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| 05/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt.
The court has ruled that in Hinkle v. Midland Credit Management , IncXXXX, that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me!
The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.
2. What services I am being charged for.
3. What the cost of each service I am being charged for.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
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| 06/28/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I was admitted into the XXXX Medical Center Emergency Room on XX/XX/XXXX using my insurance through XXXX XXXX. A few months later, the doctor attempted to bill me through XXXX XXXX XXXX XXXX. I called XXXX XXXX who informed me that they had sent payment and that the check was never cashed. I contacted XXXX XXXX XXXX XXXX who I put into contact with my insurance company to settle the issue. I was assured the issue was settled and had forgotten about it until last year. I noticed a collections account had showed up on my credit report by a company called XXXX XXXX XXXX. I had called them and found the debt was resulting from XXXX XXXX XXXX XXXX claiming they had not been paid. I was told the account had been sold to another company and it would come of my credit report shortly. I was never notified by phone or mail that this debt existed except for the original bill in XX/XX/XXXX. In XX/XX/XXXX, the account once again showed up on my credit report through XXXX XXXX XXXX. I called XXXX XXXX and inquired about this bill to which they confirmed that the check sent to XXXX XXXX XXXX XXXX several years ago had once again never been cashed. They said they would send a check out immediately for payment. I called XXXX XXXX in XX/XX/XXXX and they had confirmed the check was sent. I then contacted XXXX XXXX XXXX XXXX who told me that the matter was no longer controlled by their accounts receivable, but by the debt collector. I called XXXX XXXX XXXX and was bounced from person to person over the phone. One person told me it looked like a payment had been made, but they could not tell me how much or what the remaining balance was. I asked for an invoice of the account and they agreed to send it to me. I gave them both my email and updated address, but still recieved no statement. I called again a week later and was given the run around once again with a promise of an invoice, but no reconciliation. Today, XX/XX/XXXX, I was called by XXXX XXXX XXXX and advised that the debt needed to be payed today to avoid them having to tell " their client '' ( I assume XXXX XXXX, but they would n't tell me ) that I was defaulting on the debt. I asked once again for an invoice, but was brushed off as the operator insinuated that it did not matter. It seems time and time again as the debt collection employees are very nice until I tell them that the debt is invalid in which case they became very confrontational and attempt to get me to pay them anyway. Why would I pay for a debt that I can not even confirm with an invoice? I would really just like to get this sorted out between the three parties, XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX.
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| 01/02/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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Reference previous complaint XXXX. The agency never complied with regulations nor did they do any of the things that they said they would do in the response to the CFPB. They continue to report to the Credit Reporting Agencies erroneously and illegally. None of the folllowing happened as they said it would nor have they addressed any of the information I originally asked for the in the original request nor provided written verification to any of my original questions. None of the below mentioned actions were taken by the agency : Upon receiving notification of your complaint Midwest Recovery Systems has reviewed your account. It was found that your account was placed in our office on XX/XX/XXXX by our client XXXX XXXX XXXX. We show this account was originally opened with XXXX XXXX XXXX on XX/XX/XXXX and went delinquent on XX/XX/XXXX. We show there has not been communication regarding this account. After reviewing your complaint Midwest Recovery Systems has placed your account in a Dispute status and sent notification to the credit reporting agencies to update this account as disputed on your credit report. We have also requested the validation documentation from our client. Our process is as follows : Upon receiving notification of a dispute or request for validation. Whether the request is verbal, written, or electronic the account will be changed to a DISP ( dispute status ). The status change will trigger a notification to be sent to the credit reporting agencies. The status will also let our Dispute Resolution team know to review and request validation from the client that placed the account with us. Once we receive the documents, we mail them to either the address on file or one you requested. The account will then be place on hold for 10 days allowing you to receive and review the validation. After 10 days we will call and follow up to make sure you received what was requested and go through them together. In the event our client does not produce the validation documents within 23-25 days from the date of request, MRS will change your account to a UTV ( Unable to Verify ) status, close and return the account to our client and send a deletion record known as a DR to the CRAs upon our next reporting which is weekly ( generally on Sunday ). Normally there is a larger window for clients to return the documents. However, MRS does not and will not continue to report a debt to the Credit Reporting Agencies where we have received or believe there is a discrepancy. If there are any questions, please contact our office at XXXX. You may also email us at XXXX- MRS Complaint Resolution Team.
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| 09/06/2019 |
No |
- Debt collection
- Payday loan debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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As ascribed and written to Midwest Recovery Services : To Whom It May Concern : THIS IS NOT MY DEBT. MORE IMPORTANT, I AM NOT AWARE OF YOUR ORGANIZATION OR CLIENT. Effective XX/XX/XXXX, under the Fair Debt Collection Practices Act, there has been no debt letter, confirmation of debt or opportunity to rebut alleged debt. Furthermore, noticed this collection on personal credit report. After a request for debt validation, this errant reporting constitutes an illegal continuation of collection activity. Again, since there was no opportunity to challenge or validate this debt ; under section 809 ( b ) of the FDCPA, following a request for debt validation, collection agencies must cease its collection effort ( s ).
Your organization is in violation of the FCPDA, and subject to fines of {$1000.00}. Plus, actual damages and attorneys fees, which I opt to collect ( via small claims court ). This illegal collection activity has caused severe problems ; thus, prospective awards-resulting from damages incurred-need be substantial.
Again, the Fair Credit Reporting Act ( FCRA ) does not allow inaccurate reporting of information on a credit report. Therefore, if not IMMEDIATELY removed, your organization is subject to aggressive punitive action. Your legal staff will agree that non-compliance with this request places you your organization in serious legal jeopardy.
Finally, in XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), that you are liable for willful non-compliance. Failure to provide original contract, without any alterations, mark, stamps and bearing my original signature has resulted in a claims action against Midwest Recovery Systems. I now seek {$5000.00} ( XXXX XXXX dollars ) in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and the Fair Debt Collections Practices Act as applicable.
Failure to satisfy this request in accordance with the legal principals of estoppel is understood as a waiver of any and all claims against me ; and facilitates a tacit agreement to compensate me for costs and attorney fees.
NOTE : YOU MAY NOT CALL. ANY CORRESPONDENCE NEED BE WRITTEN. ALSO, MIDWEST RECOVERY SERVICE IS NOT LICENSED TO CONDUCT COLLECTION ACTIVITY IN OHIO. MOREOVER, DUE TO SIMILAR UNRESOLVED COMPLAINTS ( AGAINST MIDWEST RECOVERY SERVICES ), THE BBB HAS REVOKED ITS PARTICIPATION.
Cordially, XXXX XXXX XXXX Cc : Credit Reporting Agencies and Bureaus : XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX
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| 06/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have filed report on company once before. Then I received notice from my credit monitoring that I have a derogatory item on my report. I called XXXX and they said I have to pay {$99.00} to get it fixed. I then contacted the company that gave me payday loan and I have not heard back. They are reporting u owe {$850.00} when I have paid {$650.00} and I have receipts plus I tried to make final arrangements for remaining amount and they refused to work with me. I got loan on XX/XX/XXXX in XXXX and I dont owe them {$850.00}!!! In XXXX theyre were threatening me with jail so I sent them a letter asking them to stop contacting me! Very nasty company with horrible collection practices! Theyre now back at it and I need some help please!
Emails I have sent XXXX.
Okay I will call to settle my account. State law for Montana only allows a cap of 32 % interest for payday loans. Additionally the harassment of calls on XX/XX/XXXX broke state and federal laws. Please keep the interest cap in mind as we negotiate the final payment when I have already paid {$220.00} on a {$500.00} loan. I think a fair payment offer is in order. Look forward to a productive call with no games.
Thank you, XXXX XXXX XXXX, and XXXX XXXX XXXX, I'm making contact again to find the out the address to send final payment for a payday loan issued on XX/XX/XXXX for {$500.00}. I have made a payment of {$220.00} already leaving a balnce of {$270.00}. With the reasonable interest rate of .36 % allowed by my State of Mt and remaining balance I agree to make a final payment of {$370.00}. Please send me the address of where I need to send final payment. Thank you!
Under Montana law, deferred deposit ( payday ) lenders may charge fees equaling one-fourth of the loan, which, as an annual interest rate could range from 300 percent to 650 percent. Title lenders may charge similar interest rates. I-164 reduces the interest, fees, and charges that payday lenders, title lenders, retail installment lenders, and consumer loan licensees may charge to an annual interest rate of 36 percent. It prohibits businesses from structuring other transactions to avoid the rate limit. It also revises statutes applicable to pawn brokers and junk dealers.
Sent XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , MT XXXX Remove my routing and account number from your records! How sneaky trying to pull funds under red leaf ventures instead of red leaf lending! This is fraud and unethical I'm reporting your company to my State attorney generals office again with a phone call XXXX
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| 10/24/2017 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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I disputed this collection account with all XXXX credit bureaus multiple times the latest date being XXXXXX/XX/XXXX. I have a collection account for the amount of {$770.00} showing on both my XXXX as well as my XXXX credit reports. XXXX removed the collection because this account violated FDCPA Section 807 ( 8 ) ( this law is for collection agencies ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. This debt is also in violation of Section 392.101 of Texas XXXX XXXX which prohibits a third-party debt collector from engaging in debt collection in Texas unless the third-party debt collector has obtained a XXXX bond and filed a copy of the bond with the XXXX XXXX XXXX XXXX of State. Furthermore, Sec. XXXX92.301 ( a ) ( 4 ) of Texas Finance Code Prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the Consumer debt or would be subject to illegal collection attempts.as well as the Deceptive Trade Practices-Consumer Protection Act. I have filed a complaint, see attached, with the Texas XXXX XXXX XXXX XXXX XXXX as well and I request the immediate removal of this trade line from all XXXX credit bureaus as you and the original creditor have violated the aforementioned laws.
This debt has been removed and reinserted multiple times on my reports.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond to this complaint may result in small claims legal action against your company at my local venue.
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
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| 04/26/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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TODAYS DATE : XX/XX/XXXX XXXX , XXXX XXXX SOC SEC # XXXX DOB XXXX / XXXX / XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX , FL XXXX MIDWEST RECOVERY SYSTEMS, LLC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) A pplicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragrap h ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit - - ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious MIDWEST RECOVERY SYSTEMS, LLC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX , XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court f or the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report TODAYS DATE XX/XX/XXXX XXXX , XXXX XXXX SOC SEC # XXXX DOB XXXX / XXXX / XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX , FL XXXX
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| 12/17/2017 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX XX/XX/2017 MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX RE : Account # Unknown To Whom It May Concern : This complaint is being filed against your company you due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
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| 03/11/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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For the 2nd time this year MIDWEST RECOVERY SYSTEMS is posting information on credit profiles that they have not validated nor had communications with my person before posting such updates. The company has in prior posted on my account and has faild to validate debt and was forced to remove the record : On XX/XX/XXXXMIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : Credit Posting on XXXX and XXXX as Collections with out validation Dear, CFPB. I received information from XXXX and XXXX that a company listed as MIDWEST RECOVERY SYSTEMS has placed negative information on my credit profile and is attempting to collect the listed alleged debt.
Please advised MIDWEST RECOVERY SYSTEMS, that I dispute the validity of the alleged debt in its entirety.
Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt.
The original creditor is listed as Original creditor : 12 XXXX XXXX XXXX for which I have no knowledge of any account.
I affirm that MIDWEST RECOVERY SYSTEMS is illegally attempting to collect an alleged debt and money that I do not owe. MIDWEST RECOVERY SYSTEMS has not allowed the consumer to validate the debt by providing a debt validate letter by law, and giving the consumer up to 30 days to review the claim and respond.
As per the law, MIDWEST RECOVERY SYSTEMS shall cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.
This letter is being provided to the Consumer Financial Protection Bureau ( CFPB ) for full review of this illegal act of posting to my credit profile.
The CFPB is authorized to investigate this matter and receive related information. If MIDWEST RECOVERY SYSTEMS fails to remove the entries does not comply with this letter, I may turn the matter over to an attorney. Sincerely, XXXX XXXX Credit posting shows as follow 's Midwest Recovery Systems Opened XX/XX/XXXX {$470.00} Ori Original creditor : 12 XXXX XXXX XXXX XXXX Balance {$440.00} Highest Balance {$470.00} Opened Unknown Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name 12 XXXX XXXX XXXX XXXX Creditor Information MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX See History from this Company : See complaint : XXXX-XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Debt collection ISSUE
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| 10/28/2019 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
Servicemember |
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This company ( Midwest Recovery System ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. XXXX XXXX, XXXX, XXXX XXXX. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.
Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.
Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Man with my XXXX Given name ( XXXX XXXX : XXXX XXXX XXXX ).
1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.
They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
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| 02/24/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means.
You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of XXXX about an alleged debt.
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.
5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.
14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.
15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge.
18. Invasion of Individual and Family Privacy
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| 03/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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I never received any correspondence by mail or email about such debt. I am entitled to be notified prior to placing anything on my credit report. I am unaware of such debt and I was unable to request validation of debt of such debt prior to reporting on my credit report which is required by law if I choose to do so. Unfortunately, I was not given that option.
MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/18 Dear MIDWEST RECOVERY SYSTEMS XXXX : XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit from Midwest Recovery Systems. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof.
Sincerely, XXXX XXXX XXXX
|
| 01/04/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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In XX/XX/XXXX, I received an alert from all three credit reporting agencies that an item was placed on my credit. Upon investigation, it was evidenced that Midwest Recovery Systems of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX, reporting a collection matter of $XXXX to the various credit reporting agencies on XX/XX/XXXX. The original creditor's name on the collection matter is XXXX XXXX.On XX/XX/XXXX, I contacted Midwest Recovery Systems and spoke with Mr. XXXX XXXX to obtain clarification of the item placed on my credit, as I received no prior calls or letters from Midwest Recovery about this debt, giving me the right to dispute or understand the claim. I was told by Mr. XXXX XXXX that they spoke with me in XX/XX/XXXX, for which I have no knowledge of, and I made him aware that I had no memory or recollection of any discussion with Midwest Recovery about this debt. I have received strange threatening voicemails with disguised voices, which I have ignored and for which I cannot say the origin of these calls, but I have not spoken to Midwest about this debt.Mr. XXXX XXXX informed me that this matter is about a payday online loan obtained from XXXX XXXX around XX/XX/XXXX and became delinquent in XX/XX/XXXX. While I do recall using XXXX many years ago, I have not heard from XXXX or any other collectors about a balance owed, and a request at this time is extremely strange. XXXX debits and take monies out of your account to settle your obligation to them. Also, I believed this debt was settled.I asked Mr. XXXX XXXX to provide proof of an outstanding balance and how this was determined, as I have no records dating back to XX/XX/XXXX. He made me aware that he has no obligation to provide such information and that I should contact my bank to provide me with statements. My account has since been closed. Even banks statements by themselves would not tell but would only show that XXXX debited my account excessively with high interest amounts. A statement of account showing original loan, terms and repayments, plus any add on fees equaling the balance would help.I was recently informed that such loans are not legal in Virginia and the loan is void. I believe XXXX and Midwest Recovery Systems is fully aware of this situation. XXXX and or Midwest Recovery Systems should provide proof that this loan isn't void, and until documentary proof of a debt and that the loan isn't void, I don't think they should be putting this on anyone's credit report.
|
| 04/27/2020 |
No |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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On the morning of XX/XX/XXXX I get a notification on my XXXX report of a derogatory remark from a Midwest Recovery Systems stated that I owe a balance of {$500.00} from a XXXX XXXX. I called this company and spoke with a XXXX XXXX who was very rude and unprofessional. When speaking with him about this account I informed him that I have not done business with XXXX XXXX since XXXX and my account was settled and paid in full back in XXXX. XXXX stated that I owed the balance and as he was checking his records he noticed I have a second account from XXXX XXXX in the same amount of {$500.00} and I asked when was it taken out he stated this month XX/XX/XXXX he wouldn't give me an exact date. I explained that I would like the item removed from my credit report and that you will not get a dime of money from me with this SCAM! XXXX said the only way to have it removed is to pay the amount. After my call with Midwest recovery I tried to contact the company that he was referring to and it is no longer in business. My issue with this company is that I had the same problem with them last year XXXX XXXX XXXX in XXXX reporting false information on my credit report about this same balance of {$500.00} from the same company XXXX XXXX XXXX XXXX and I submitted them paper work ( paid in full letters ) of the balance being paid in full. I got the issue resolved and the false information removed when I contacted the bureau submitted the same paper work I submitted to Midwest Recovery ( paid in full letters ) as well. I'm getting very bother by the fact that this company, that is a SCAM can report false information on my report which is a big in convince when I have perfect credit and is in the process of doing business transactions where my credit plays a major part for my business! Therefore at this point in my life if I needed to borrow money I can go to a bank to do so! being a business owner. These people are very RUDE! and so unprofessional and they need to be STOPPED! with these scare tactics to give them your money. I would like for this company to be investigated! We are in one of the largest Crisis in history COVID-19 and you have a company trying to collect on accounts that have been paid when you have legitimate company 's that aren't even harassing individuals or trying to collect money from people with real accounts. I want it to stop and I want everyone to Know that Midwest Recovery Systems is a SCAM! and please beware.
|
| 11/14/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX I noticed Midwest recovery systems on my credit report. I have been disputing the above reference debt for a while. I as the creditor for a copy of the final account statement issued by the original creditor, a breakdown of the total amount due, showing principal, interest, and other charges, and for all other charges the date and basis for each charge.
I disputed this charge because I did not recognize this debt and I do not owe any money to this creditor. I monitor my report and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid or in small amounts until settle.
XX/XX/XXXX I have not yet received a letter or original account statement issued by the credit nor a breakdown of the total amount due. I have provided my personal information as they requested ( address, social, date of birth ). The only response I received was an updated and duplicate charge of the same amount of {$960.00} on my credit report. To my knowledge this was a flag that this creditor has reported inaccurate information to my credit report and fail to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
XX/XX/XXXX I call again to check for updates. I never recieved the statement. The creditor offered me they can settle for {$500.00}. I explained to the creditor briefly what happen. My response below ; I seen this debt o my credit report at first I did not recognized it I disputed it. Then I decided to look at old text messages and realize I did go to the hospital and apologize. But the amount owed of {$960.00} is not accurate. I went to the hospital because I thought an XXXX was XXXX in my XXXX. My temperature was check XXXX XXXX and the doctor enter room to check in my XXXX to see it the soft was in there. Nothing XXXX XXXX XXXX I was touching my XXXX ( I felt XXXX ) I was discharge and sent home. Months late I see {$960.00} for a doctor just XXXX XXXX XXXX XXXX to check!. I ask the creditor can they help reveal the correct owed so I can resolve it. They denied. I ask for the original creditor information they denied.
The amount this creditor is asking {$960.00} is not correct. And they double reported after speaking with them and they said the computer made a mistake. The duplicate debt of XXXX was recently removed but the amount owed is not correct. Damage my score, stress me and at one point I was on a 3hr hold.
|
| 01/23/2018 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : MIDWEST RECOVERY SYSTEMS {$360.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDWEST RECOVERY SYSTEMS {$360.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 06/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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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
|
| 07/07/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
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This is the third time I have dealt with Midwest Recovery Systems reporting to my credit bureau. Once already for an illegal payday loan that was over 10 years old, that they put on my credit. And another for a debt that they never sent me any notification on, and agreed to stop all collection attempts. And YET again, I have to deal with them a third time, where I got ZERO written notification on this debt through the mail that I could dispute the account, and it just APPEARED on my credit report. At this point, after 3 times of this occurring by the same collection agency, with no communication via writing, before these collections appear on my account, it is pretty obvious that they do not follow the law.
Midwest Recovery Systems, XXXX. has reported to my credit report of a collections account that has started appearing on it as of today. I have no idea what this debt is, nor received ANY form of notification of this by mail or phone that a " debt '' was due and owing. It just randomly appeared on my Experian report without any communication with me whatsoever. Also, this account is already showing as a negative on my account, so this is now impacting me twice. Alleged balance : {$990.00} Original Debtor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in the state in which the debt was incurred and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision.
|
| 10/30/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company ( Midwest Recovery systems ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.
Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.
They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : house of XXXX ).
1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC )
|
| 06/21/2019 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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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
|
| 10/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1200.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$620.00} + Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDEWEST RECOVERY I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX
|
| 08/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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|
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX MIDWEST RECOVERY SYSTEMS Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious MIDWEST RECOVERY SYSTEMS I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 07/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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Complaint Details This company is on my Credit report saying I ow them {$760.00}, i called the creditor XXXX says i dont owe them anything. I am on unemployment because of the Covid19, im already stressed out, dont want to be harrassed, and want them off my credit report please. Thankyou very much. And if you find i owe, I can settle for {$300.00}.
This message originally read on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX THEN I CONTACTED THE XXXX XXXX XXXX, THEY DID HEAR ANTHING AND TOLD ME I ALSO CAN CONTACT YOUR OFFICE.
Dear XXXX XXXX : Thank you for contacting the XXXX XXXX XXXX.This message is in regards to your complaint submitted on XX/XX/2020 against Midwest Recovery Systems, LLC.. Your complaint was assigned ID XXXX.
Now that I have filed, what is the next step?
We have accepted your complaint and have forwarded it to thebusiness for their response. We have asked the business to reply promptly, butsome disputes may take longer than others to conclude. Please be patient as we work to ensure thatyour concerns are addressed.
What if I do not agree with the response from thebusiness?
It is important for both parties to maintain realisticexpectations and respond in a professional, fair and courteous manner. Our goal is for you and the business to beable to work towards an amicable solution. Should this prove difficult, we mayoffer you and the business the opportunity to participate in mediation orbinding arbitration. More informationabout these options can be found at XXXX What happens if a business does not respond?
The XXXX will make every effort to obtain a response from thebusiness, but some businesses simply do not ever contact us. The XXXX is not an enforcement agency. Wecannot compel a business to respond. However, failure to do so may result in anegative impact on their XXXX rating, which may drive away future customers. TheXXXX can also refer you to other agencies that may be able to assist you, depending on the specific nature of your complaint.
Feedback from consumers is vital to XXXX. We appreciate yourwillingness to report this information to us. We look forward to helping youand the business work toward a resolution. Please do not hesitate to contact mewith any additional questions or concerns.
Sincerely, Dispute Resolution Department XXXX XXXX XXXX XXXX XXXX Fax XXXX XXXX
|
| 03/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear Midwest Recovery System XXXX XXXX XXXX, I am sending this dispute at this time threw cfpb to make sure you received it.
I have no knowledge or records of this debt to Midwest recovery system reported on XX/XX/XXXX.
Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided, as any account I might have had would be obsolete.
If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies.
If you can not obtain The information that you received from the original creditor at the time it was allowed to be reported on my credit report within ( 30 days ) of receiving this complaint please delete this account from my credit reports. Please don't send me anything with names and addresses as verification will not be proper verification, I need validation of services, dates, times, signatures, identifications, or something to help me understand why this is being reported as my debt I have no knowledge of, to provide to my attorney. I never received a bill from any company with a bill statement for a service that was provided. When speaking to Midwest recovery system I was told a service was given in XX/XX/XXXX I have no knowledge of this service, never received a billing statement, an attempt to collect a debt and I don't owe any money to a Midwest recovery system or a hospital or doctors office. No contracts of services was signed by myself to no company especially a midway recovery system so you should not be attempting to collect any medical debts. Unless I can recieve proper documentation from Midwest recovery system that was provided when being allowed to report on my credit profile and the proper billing statement of services provided and by whom I will request immediate removal or legal actions will be in pursuit! My medical provider would never send such intonation to a collector as its against the law. I do not owe this debt and I have never received a collection notice from any company with a debt stating services provided and by whom.
This is reporting to all three of the credit reporting agencies. Please mail me an updated report when this dispute is completed.
Very truly yours, XXXX XXXX
|
| 02/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I would like to make a complaint against Midwest Recovery Systems, XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX which had a 1st delinquency reported on XX/XX/XXXX with an alleged balance as of XX/XX/XXXX of {$1900.00} and the original creditor was XXXX XXXX. This account needs deleted under title 15 u.s.c. 1681 ( i ) since they have violated the FCRA and FDCPA according to the following codes. The Kansas statute is K.S.A. 60-511 ( 1 ) Actions Limited to Five Years and K.S.A. 60-512 ( 1 ) Actions Limited to Three years for the collection agencies. Statute of limitations was up on this account on XX/XX/XXXX which was five years from the first date of delinquency and Midwest Recovery has now violated the FCRA and FDCPA and the following violations : 1. Creditors or collection agencies if they try and re-age the account violates FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer and this a fine of {$1000.00}.
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX circuit, NO. XXXX, XXXX vs. XXXX XXXX.
3. Midwest Recovery Systems also violated Protection under the FDCPA because misrepresentations by the collector about themselves or the debt are actionable regardless of intent and the following case law of XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) support this. This is also a fine of {$1000.00}.
4. Midwest Recovery Systems also violated FDCPA Section 809 ( b ) because they have never validated the debt I have disputed after the date of XX/XX/XXXX and this is a fine of {$1000.00}.
6. Midwest Recovery Systems also violated FDCPA Section 806 because the collection agency can not use any kind of harassment or abuse and he has abused me and my credit by reporting negative and inaccurate information on my credit report and this is also another {$1000.00} fine.
7. Collection agencies if they do not validate your debt yet continue to pursue collection activity and this is a violation of FDCPA Section 809 ( b ) and a {$1000.00} fine.
|
| 04/10/2017 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
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I XXXX makes a claim with the Consumer Financial Protection Bureau ( CFPB ) that the following attached attempt to collect a debt is highly fraudulent. My personal information is being floated in what is known in the debt collection business as a " Debt Pool '', whereas collection information is outdated and not even enforceable. The attached collection from Midwest Recovery Systems does not state that the debt is no longer enforceable, a stipulation by the Federal Trade Commission. The method of an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act can not be tolerated. In Federal Trade Commission v. XXXX ( XX/XX/2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria are as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both.
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, if the debt is collectable.
3 ) The validation of debt ownership must be proved, without exception.
There is no statement on the attached collection that the debt is no longer enforceable. The collection agency stipulates that XXXX obtained a judgment against me. By legal mandate, the docket number of the judgment must be listed as well as what county clerk 's office the judgment is filed with. In this case, there is no judgment. The statement saying " This judgment may be forwarded to an attorney for execution '' is a complete falsehood. There can not be a lawsuit as the legal time limit to enforce a summary judgment action has passed.
Even though the collection letter states that illegal, abusive, deceptive and unfair debt collections are illegal, this collection in its entirety is just that, a deceptive illegal attempt to collect a debt that is no longer enforceable.
I demand that all my information be purged immediately by Midwest Recovery Systems and XXXX, and that the Consumer Financial Protection Bureau ( CFPB ) take the necessary steps to sanction both companies for using such abusive collection tactics.
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| 10/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX Email : XXXX Complaint/Dispute Department XXXX XXXX Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX XXXX Dispute XXXX. XXXX XXXX XXXX, TX XXXX XXXX dispute tips XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX RE : Dispute on Credit Report and Score ( collection item ) Dear Sir or Madam : I recently obtained a copy of my credit report from your agency and XXXX XXXX and found the following item to be in error showing a collection item on my credit report from Midwest Recovery SYS c/o XXXX XXXX Hospital AKA XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX at XXXX the Collection Agency claiming I owed over {$600.00} to XXXX XXXX Hospital AKA XXXX XXXX. This was fraud on the part of the collection agency.
When I called the hospital XXXX XXXX AKA XXXX XXXX and was told me all the bills were paid in full from my insurance ( XXXX and XXXX ) with the exception of an {$80.00} co-pay the only outstanding item and had not been billed yet. ( Please see email from XXXX XXXX, Supervisor dated XXXX, XXXX XXXX ). Showing account is paid in full.
So I paid it anyway even though. I was out of the country in XX/XX/XXXX ( the date the date they stated the bill was generated ). This Does Not Make Sense.
I paid the {$80.00} anyway to make sure I had no issues with my credit report. As Im applying for a mortgage ( see invoice marked paid ).
Lets not forget to mention Midwest Recover SYS, has been REVOKED AND HAS AN F rating with the XXXX XXXX XXXX ( see report enclosed ). For scamming people. This is the worst rating any business could get and should be shut down.
DISPUTE II My report shows a hard enquiry from what I found out was XXXX XXXX. I have never applied with this company at any time.
1. I dispute any report from the collection agency and request my present credit score be restored based on payment history in totality. As this is not accurate on my credit report.
2. I am requesting that all items and score be ( updated ), and remove the erroneous reporting and reflect an accurate profile and my credit score.
XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : XXXX XXXX Attorney at Law New York State Attorney General
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| 10/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX Email : XXXX Complaint/Dispute Department XXXX XXXX XXXX Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX Dispute XXXX. XXXX XXXX XXXX, TX XXXX XXXX dispute tips XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX : Dispute on Credit Report and Score ( collection item ) Dear Sir or Madam : I recently obtained a copy of my credit report from your agency and XXXX XXXX and found the following item to be in error showing a collection item on my credit report from Midwest Recovery SYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX at XXXX the Collection Agency claiming I owed over {$600.00} to XXXX XXXX XXXX XXXX XXXX XXXX. This was fraud on the part of the collection agency.
When I called the hospital XXXX XXXX XXXX XXXX XXXX and was told me all the bills were paid in full from my insurance ( XXXX and XXXX ) with the exception of an {$80.00} co-pay the only outstanding item and had not been billed yet. ( Please see email from XXXX XXXX, Supervisor dated XXXX, XXXX XXXX ). Showing account is paid in full.
So I paid it anyway even though. I was out of the country in XX/XX/XXXX ( the date the date they stated the bill was generated ). This Does Not Make Sense.
I paid the {$80.00} anyway to make sure I had no issues with my credit report. As Im applying for a mortgage ( see invoice marked paid ).
Lets not forget to mention Midwest Recover SYS, has been REVOKED AND HAS AN F rating with the XXXX XXXX XXXX ( see report enclosed ). For scamming people. This is the worst rating any business could get and should be shut down.
DISPUTE II My report shows a hard enquiry from what I found out was XXXX XXXX. I have never applied with this company at any time.
1. I dispute any report from the collection agency and request my present credit score be restored based on payment history in totality. As this is not accurate on my credit report.
2. I am requesting that all items and score be ( updated ), and remove the erroneous reporting and reflect an accurate profile and my credit score.
XXXX XXXX XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : XXXX XXXX Attorney at Law New York State Attorney General
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| 07/06/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have no idea who Midwest Recovery Systems is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Midwest Recovery Systems is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I attempted to contact Midwest Recovery Systems via Certified Mail, Return Receipt # XXXX XXXX XXXX XXXX XXXX and they not respond.
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Midwest Recovery as third-party collection agent.
4. Provide a true and correct copy of the instrument by which [ Midwest Recovery Systems } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).
5. Provide the delegation of authority from the Director of the Office of Management Budget to Midwest Recovery, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).
6. Provide the Certified Assessment Certificate.
Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide an Opt Out Notice.
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
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| 04/18/2018 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I received a alert yesterday that a collection has been place on my credit report. I called midwest recovery systems and they state i owe a payday loan from XX/XX/XXXX. I never heard of the the company they stated i got the loan from ( XXXX XXXX ). I have not received any documentation about owing any money to anyone. They are suppose to send you by mail a bill or collection of debt attempt and then wait 30 days before they report to the credit agencies. This was not the case ; I have received nothing. The statue of limitations for collections in Arkansas is 5 years ; this is from XX/XX/XXXX. I think it funny how i haven't been contacted about owing money but 7 years later i owe something. If you XXXX midwest recovery systems all you read about is fraud warnings and scams and i think that is whats happening here. Per my lawyer our official complaint is : Midwest Recovery Systems has reported an account in collection to all 3 credit bureau. 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 ; 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.
XXXX XXXX
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| 10/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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ATTENTION DISPUTE DEPARTMENT XXXX, XXXX M SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX To Whom It XXXX Concern, In response to CFPB complaint ID number : XXXX Your company have violated the provisions of section XXXX, XXXX ( a ) ( XXXX ), or XXXX ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a XXXX report is being used to obtain blockage, not contest the accuracy of its XXXX Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; XXXX XXXX Transunion has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA XXXX ( b ), XXXX U.S.C. XXXX ( b ). Such notification by a CRA triggers XXXX obligations for the furnisher. First, under FCRA section XXXX ( a ) ( XXXX ) ( A ), you must not allowed the furnisher XXXX not continue to report that information to any CRA. FCRA XXXX ( a ) ( XXXX ) ( A ), XXXX U.S.C. XXXX XXXX XXXX a ) ( XXXX ) ( A ). Second, under FCRA section XXXX XXXX f ), it XXXX not sell or transfer that debt to anyone else who would try to collect it. FCRA XXXX XXXX f ), XXXX U.S.C. XXXX ( f ) .As required by section XXXX of the Fair Credit Reporting Act, XXXX U.S.C. XXXX, a copy of which is enclosed, I am requesting that the item XXXX XXXX ) be removed XXXX or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( XXXX ) ] and [ delete or correct ] the disputed item ( XXXX ) as soon as possible FOLLOWIN ITEMS : XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$620.00} Thank you.
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL XXXX
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| 06/02/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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Without any notice I had an entry on my credit report from MIDWEST RECOVERY SYSTEMS, LLC. I called them to ask about it and explained that I have never received a statement in the mail either from the original client ( XXXX Hospital ) or MIDWEST RECOVERY SYSTEMS. The person I spoke to was very rude and continued to speak over me to the point I got frustrated and had to continue to raise my voice just to be heard. This is apparently a collector for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX both of which have very incompetent.
-- - She just continued to tell me the bill is 3 years past due even after explaining to her that I never knew I owed anything. This is ridiculous circular logic that gets nowhere.
-- - She indicated they called many times but never received an answer so filed on my credit report. I once again argued that I never received anything in the mail regarding this. I explained that in America citizens are neither required to have a phone nor answer all of the spam, scams, and junk calls they get. MY phone is for my use calling people and receiving calls from existing business contacts not random people 20 times a day. I further explained that the USPS is protected and is the form of contact that MUST be used for financial/billing issues but she continued to ignore my very valid arguments and ask how I would be paying the debt.
-- - It is not fair to expect people to answer their phones. This company needs shutdown or update their practices to prevent this type of bullying. I NEVER had a chance to correct the issue before having my credit impacted. This issue has cause a LOT of stress and frustration and even lost sleep all because they can not mail a letter. Because of their ridiculous tactics I have now spent well over two hours on the phone, on the web, pulling my credit report just so I knew who to call, etc, when this VERY easily could have been resolved in about two minutes by a letter in the mail with a payment web address.
People should not have to go through this process ( Approaching two hours I had to take off work to address this ) without even being notified of debt all because the provider billing is incompetent. I ALWAYS pay my bills on time.
|
| 09/08/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX Acct # XXXX To Whom It May Concern : This letter is regarding account # which you claim my account was charged off $ This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
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| 07/23/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I received a copy of my credit report and noticed I had a debt reporting from this company Midwest Recovery. I reached out to this company by certified mail on XX/XX/XXXX to validate this debt. This company signed for my letter on XX/XX/XXXX but have not sent anything back in regards of validation. i received notification from XXXX that my account from Midwest Recovery was marked as " disputed '' so I reached back out to this company by certified mail on XX/XX/XXXX to get validation and this company signed for my letter on XX/XX/XXXX. I then disputed Midwest Recovery through the actual credit bureaus and they deleted it off one bureau but stated it was verified through the other 2 bureaus which is not fair! Here it is XX/XX/XXXX and I have still yet to receive any type of notification, communication or validation from this company. I also have attached all communication letters, certified time stamped signatures that was sent to this company to validate what I am saying. This company is a fraud because this company is ignoring the fact that I am requesting validation that they must not have. It is by law by the FCRA that I can request validation and it must be sent to me. I have never received any type of communication from this company before they reported this on my credit report. this company did not give me any time to validate this debt. I am not sure who this company is and how do I owe them. I never signed a legal bonding contract with this company to owe them any debt, I have never done business with Midwest Recovery. I have the right to demand to see a signed contract between Midwest Recovery and myself. If this company is hired by a 3rd party company, I request validation and not verification of the debt. meaning a signed contract from the original company and not a bill. a bill is not considered proof of a debt. This company has blatantly ignore more request as a consumer in which I had rights too. I will be issuing out additional complaints as well through the BBB & Attorney General. As a consumer with rights, it is not fair to be ignored, pushed to the side and not provide validation of what you are reporting on my credit report.
|
| 05/01/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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in response to CFPB XXXX XXXX TODAYS DATE XXXX XXXX , XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX , FL XXXX To Whom It May Concern Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) Transunion has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key p ieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you. TODAYS DATE: XX/XX/XXXX XXXX XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX , FL XXXX
|
| 11/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MIDWEST AND ALL ACCOUNTS ASSOCIATED WITH YOUR COMPANY AND MY SOCIAL ARE FRADULENT To Whom it May Concern : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission MIDWEST or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
|
| 04/08/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
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MIDWST RCVRY XX/XX/XXXX Address : XXXX, MO XXXX Toll-Free : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify MIDWST RCVRY or any company associate with this account and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission MIDWST RCVRY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
|
| 07/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service.
Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).
Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
|
| 07/17/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
|
| 06/08/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
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| 03/26/2019 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On XX/XX/XXXX I received multiple credit monitoring alerts that a new collection had been placed on my credit report. Upon further investigation, Midwest Recovery Systems was listed as the company responsible with the original creditor being " XXXX XXXX XXXX '' and that I owed them. Knowing that I have never interacted with a " XXXX XXXX XXXX '', much less taken a loan out in the amount of {$630.00} ( after an extensive search of my personal records ) I called the company to inquire. They told me that this was a loan from XX/XX/XXXX! When I told the representative that I did not recognize a " XXXX XXXX XXXX '' his response was " well maybe they changed names! '' I immediately requested a validation of debt as I am entitled to under the Fair Debt Colletion Practices Act ( 15 USC 1692g Sec 809b ). The representative said they would need 30-days to validate this debt despite the fact that they have already reported this on my credit report! I decided to follow up with a written request for validation as well. I overnighted a letter to the address listed on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ). When XXXX attempted to deliver my letter, I was informed that the company had moved with no forwarding address. XXXX spent 10 days trying to locate the new address but could not do so. I called Midwest Recovery Systems again and asked for an updated mailing address. The representative told me he could not give me that information over the phone. After telling him several times that I know my rights under the law, he finally provided me an updated mailing address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX ). When I attempted to re-send the validation letter to the new address, XXXX now tells me that this address is not in their Database! ).
This company has placed a negative mark on my credit report without providing proper written notification as allowed under the law and has not given me the required 30-days to respond before taking negative action.
|
| 12/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Company appeared on my credit XX/XX/XXXX without proper notification as they were obligated to do in accordance to FCRA rules. I have no knowledge of this account, I do n't even have an account number as I was notified of such alleged debt by credit monitoring companies sending me alerts of new information added. The company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social however She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. From my credit report I see the original creditor is XXXX, however I sued XXXX and won as they were unable to furnish proof that the account they were attempting to collect on were mine as my social nor signature matched their files. I would advise this company to cease collection and remove ALL reporting from my reports as I have obtain legal counseling due to the selling and buying of a discharged fraudulent debt.
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| 03/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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There is a collections item listed on my XXXX Credit report from XXXX XXXX XXXX, XXXX that was listedXX/XX/XXXXXX/XX/XXXX in the amount of {$1100.00}. I filed a dispute via US Mail with both XXXX and Midwest Recovery Systems asking for Validation of the debt. The confirmation number for the dispute for XXXX is XXXX. I received a letter in the mail from XXXX dated XX/XX/XXXX stating the debt was verified as belonging to me. I called Midwest Recovery Systems at XXXX. The representative from Midwest Recovery Systems stated that they have not responded to any credit bureaus as of yet because they only just received the notice of the dispute on XX/XX/XXXX and sent in a request to the original creditor " XXXX XXXX XXXX '' for a request of validation and has not yet received a response. I called XXXX Customer Service and spoke with a supervisor named Summer who refused to give me her initial of her last name who stated that Midwest Recovery Systems responded to the dispute on XX/XX/XXXX verifying the debt as mine. I asked if they could send me whatever validation that was used, to which she said no. I advised Summer that I called Midwest and I advised her of what they told me and she said that is not what the record shows. I asked if I could call the creditor on conference or if she could call being that there is a miscommunication to which she responded no. I advised XXXX that I already have a fraud alert on my account and she said all she could do is have the fraud department file another dispute. I did indeed just that. It is my belief that XXXX is not disputing my accounts correctly and are not truly receiving any validation and I am appalled that they can not send me proof or that they will not reach out to the creditor so verify if it was indeed them that responded to the dispute. I have sent numerous letters and called Midwest Recovery several times since XX/XX/XXXX and I receive the same response every time. I would like this removed from my credit report immediately!!!
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| 09/01/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
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On XX/XX/XXXX, I received a robotic message from a collections company claiming to be Midwest Recovery LLC. My mother and husband received similar calls for me from this company. I had no communication from them prior to this date. The same date, my XXXX and XXXX credit reports showed collection accounts with this company. I know this is not legal. No notification of this alleged debt, no information until the date you report it? What about my right up dispute the validity of the debt? The next day, the account was on my XXXX account. I have no collection accounts on my credit report. I have good freedom. I believe this company seeks out those in situations like mine do they can bully them into paying a fraudulent account. They know they care about their credit. I called the company on the morning of XX/XX/XXXX, anguished about my now tarnished credit. Before I could get two words out, the representative told me the debtor would accept less than 50 % settlement and delete it from my credit. To me this proves this company is fraudulent. Why wouldnt you want the full amount I owe and why would you use credit deletion as a bargaining tactic? I didnt ask for it. You offered because you get people to pay just to get it off their reports. You are bottom feeding snakes. Disgusting! The account is not mine. I have a military spouse. That makes me ineligible for these types of products. I have not taken a payday loan. I literally have 15 credit cards. I don't need a payday loan! The checking account number they provided in which the alleged funds were deposited is not mine. I have been employed with XXXX XXXX for 12 years so I have an account with them and XXXX XXXX. I almost offered to pay just so they would take it off my credit. I almost fed into their deceitful tactics. This is UDAAP at its finest. But I refuse to let them get away with this. There are so many online complaints from other people with the same story. You should be ashamed of yourself, Midwest Recovery!
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| 12/22/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX is sendjng me denial lettera of inquiries i never made - then sent another that my dad did get approved for butnsaid they needed his deposit that thwy nwver received it and lied untik my dad threatened them then he got card within 2 days ... i have a bunch of
opened XXXX XXXX cards in good standing but i never opened them or paid them and alot of recent medical bills are hurting me ans i never went there .. i wrote XXXX XXXX with one of the complaint forma ans ... i just need an auto loan but i dont know whats affecting me from getting ome when i make great money i sent both letters of fraud to XXXX XXXX along with a complaint form that i will sue if they keep reportjnf incorrectly .. XXXX XXXX and XXXX XXXX opened in XX/XX/XXXX i never opened the type says debt buyer and creditor XXXX - and they havw NB by everything .. thats a big hit .. i havent contacted them dont even know who to contact ..balance started at {$1400.00} and charged off at {$1400.00}. midwest recocery same thing never went balance started ar {$1000.00} and has ND and CO at {$1300.00} that one is a medical bill someone must have went in as me not sure - that says XXXX XXXX ..is also right under it a high balance medical bill i never went to i have always had insurance ... and now i just got out of XXXX my car got stolen and i was involves in data breach with XXXX many years ago and i havent used or meedes to use my credit in almost 10 yeas and i go apply for a XXXX XXXX XXXX and found out about my bad credit and i am a XXXX XXXX it was embarassing - please help me get an auro loan. i have disputed them with XXXX waiting on answer back and i sent via mail with id social and another form of identificarion ... XXXX this is also prevenjng me from joining XXXX who ny whole family banks with plz help - i am XXXX have a bad XXXX XXXX record but i need a car because im trying to finish up a XXXX in XXXX XXXX.
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| 06/04/2019 |
No |
- Debt collection
- Medical debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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On XX/XX/2019 I had the unlucky encounter with a collection specialist who seemed to have a one track mind when it came to answering questions regarding 2 debts of my husbands. One in the amount of {$560.00} for XXXX XXXX XXXX and another for XXXX a XXXX account, they were sending to the Credit reporting agencies. I asked " how do you validate/verify your debt your collecting on? '' " Do you have documentation such as billing statements, agreements or a signature of some sort you can provide me about the collection accounts your reporting? '' XXXX XXXX of MIDWEST RECOVERY SYSTEMS had a nasty attitude right out the gate. Her response was limited to, " no I can't do that '' several times, then provided me with the information " we don't have verification on debts. '' I responded " how are you collecting on an account you can't verify? '' Isn't this why there's a document called a " Verification Letter '' clients request? Who pays a debt that doesn't belong to them or they're not responsible for? XXXX XXXX then proceeded to tell me " I had been talking for 14 minutes. '' She then kept talking over me trying to get me to say the debt I was disputing was valid. I responded how I had came to her with respect and not an attitude and how she had one before the conversation could start. Then after asking NUMEROUS times asking how do you validate your information, she THEN decide to tell me they'll reach out to the original company to ask for the documents. Why she couldn't of told me this in the beginning, she never answered my question on how they verify their debt. On XX/XX/2019 their business accreditation in the XXXX was revoked by the XXXX XXXX Board of Directors due to its failure to adhere to the XXXX requirement that Accredited Businesses meet. They have a pattern of complaints against them. Their communication skills are horrendous and they won't give me information that I have the right to via the FCRA.
|
| 11/10/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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Just recently i received an alert that a collection was placed on all XXXX of my credit reports, the collector showed as Midwest Recovery Systems with listing of an orginal creditor of XXXX XXXX i have never done business or had an acct with this company i was somewhat surprised.As far as the collector Midwest Recovery Systems i had dealt with this company once before, where they fraudulently posted another collection to my credit report and later after filing a complaint they removed the fraudulent collection.To me apears this company does this fraudulent activity on a regular basis to many consumers time and time again. Today they commited to serious violations.Violation # XXXX they send no letter/bill or any correspondance before putting a collection on the consumers credit report, not allowing consumer the opportunity to ask that debt be validated. Violation # XXXX The state of NC requires any collector trying to collect a debt from consumers living in the state to be licensed in the state, Midwest Recovery Systems is not licensed to do business in the state of XXXX.That could be another reason they dont send consumers documentation/letter or bill for these fraudulent debts, since that would provide a paper trail for the consumer to provide proof of their violation to the north carolina attorney general as proof aof an unlicensed debt collector who is in voilation of the statue which carries a considerable fine.But i will still contact the North Carolina Attorney General and as what documentation they need to prove that Midwest Recovery Systems had indeed contact me about a debt and is doing business in the state.So XXXX the violated the F.C.R.A and XXXX Violated XXXX law.So i expect this ftaudulent collections be removed from my credit reports within the next XXXX days, if not i will discuss this locally on my options to pursue this via the legal system and report to the state agencies.
|
| 05/01/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX, Midwest recovery placed a payday loan on my account for XXXXdollars. It was from XXXX XXXX. Stated the debt from XXXX and will go away in XX/XX/XXXX. This is a fraudulent account, I did not apply for a payday loan and all of there information about myself is from a previous account, they had my current information from. This account I paid them but they kept taking money from my account and I contacted the XXXX. The other account was deleted from my report, the next day XXXX XXXX a payday loan was on my credit report. This company is changing dates and adding Information to collect money. Now I'm afraid my information is gone to be added to numerous accounts they have for other people. I have not applied for XXXX XXXX in XXXX, and When I tried contacting XXXX they had no record of the account either. Told me they might of changed the person and dates but nothing they can do. MIDWEST is trying to scam me out of my money. It's quite odd the XXXX made them delete a account I was paying on. This is why they had my information. I gave them my personal information cause of a previous account. But they kept trying to collect money, and add more money to a debt after the debt was paid. This is how they had my current address and phone number. Then the next day the company put a fraud account was placed on my credit. This company needs to be stopped. I dont want them to keep adding accounts to my credit. And this keeps happening, since they have my information on file. They want to collect on a account that is not mine. You can see in XXXX I did not apply for any payday loans. New Jerseyis one of those sixteen states in the United States of America that have completely banned payday lending. As per New Jersey payday loan laws, it is a criminal offence for lenders to offer extremely high rate short term cash advances to the residents of this state.
|
| 06/01/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On XXXX XXXX , XXXX a collections hit my credit report XXXX and XXXX for {$500.00}. Once I received the notification I contacted the debt collector Midwest Recovery Systems for XXXX XXXX XXXX XXXX XXXX . I call ed MRS and s poke to a representative to get written verification that the debt belongs to me. I wanted something with a signature that I actually received and applied for the loan. They were able to send me this information instead they sent me a letter from them claiming the debt was mine and provided who they purchased the debt from which they could not give me any contact phone number, the date it was supposedly deposited in my account, the date the loan was taken out. .With that information I did more research.I called XXXX XXXX XXXX XXXX to p rovide the written verification. I called XXXX phone numbers I found on XXXX which were known working finally found a cell phone number for XXXX XXXX . Asked him to provide the written information and he could n't. He just gave me the same informati on MRS provided. XXXX then sent me a text stating to offer MRS {$100.00} to settle the account but that is not the action I want I want this collections removed from my credit report. He then stated do not tell them he told me this but they brought the account for pennies on a dollar and they would settle. I then proceeded to pull my bank statements from XXXX - XXXX to find where the funds were deposited into my account. I found no proof. I tried to contact XXXX XXXX XXXX XXXX XXXX and they no longer exist this company was out of XXXX . All I am asking is for them to provide written proof and if they ca n't remove the collections from my credit report. I am uncomfortable sending banks statements to provide the proof that I never received the funds. If I need to do so please let me know.
|
| 08/11/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX it was brought to my attention that XXXX XXXX XXXX XXXX had reported to the credit agencies that I had a account in collection for {$840.00}. The original creditor was XXXX XXXX XXXX, which I have never heard of. I asked for documentation and she immediately sent me an email that basically only stated who the original creditor was and who the current creditor was. While on the call she said her supervisor had authorized her to settle for half that amount. At 1st I thought I should take advantage of the opportunity so I listened to my options. I told the lady I needed the original documents that show what I owe and who I owe. She said she was emailing me the info as we speak. I agreed to settle the debit as long as I could have the info I requested. I set up payment but never received the requested info. I waited 30 minutes and called back asking why I hadn't received it. She said they were waiting on the payment to process but promised I would get it. As I waited I began doing research on XXXX XXXX XXXX as well as midwest recovery systems and XXXX, XXXXXXXX XXXX XXXX. Couldn't even find anything on XXXX XXXX XXXX other than them being involved in payday loan scams. At this point I'm feeling as if I have been a victim of a scam so I keep digging only to realize both XXXX XXXX XXXX XXXX and XXXX. XXXXXXXX XXXX XXXX have negative ratings with the XXXX. I attended to call XXXX XXXX again but didn't get an answer. Nervous that I'm out {$420.00}. which seemed like a bargain earlier, I called my bank to stop payment just to be informed this is a growing issue with them. If I owe someone I am willing to pay my debt but they claim this payday loan happened in XXXX yet I have no knowledge of the company and with all signs pointing to this being a scam I demand proof of what I owe and will not pay a dime until that proof is provided
|
| 05/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is in response to an unfamiliar listing on my credit report. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my address, but a request for VALIDATION. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have reported invalidated information to the credit bureaus and this action constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with a lawyer to file suit This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
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| 02/28/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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On Saturday, XX/XX/2017 at XXXX a.m., I checked my credit score as a regular action as I frequently do. I was proudly checking to see if since I have made a year of perfect payments as of XX/XX/2017 on my very first auto loan, if any thing positive point-wise happened. I have worked very hard to keep my payments on time, on top of setting up payment arrangents for at-fault debts. Upon opening my XXXX app on my cell phone, I noticed that my score instead of increasing, has actually dropped by XXXX points. I was very confused and scrolled down to see why ; only to find that I was charged a single ( I believe ) defaulted medical payment for XXXX $ from an agency called Midwest Recovery Systems. It immediately raised an eyebrow as I have NOT been contacted by this agency prior to it just being thrown to my credit report, on top of which was the most concerning is I have n't even had so much as maybe one doctor 's visit in the past year! And I was very diligent prior to the dr. visit of checking my insurance because I did n't have the funds for out of pocket expenses.I did some searching online to find that not only myself have experienced this issue with this " company, '' but numerous reports - ( XXXX Reports noted by the XXXX as of this day ... which inidicates the number of consumers that have been negatively/wrongly affected ) - There are reports I have read from even the beginning of THIS month ranging from the same amount as mine all the way to nearly XXXX XXXX This company is fraudulent and they are hurting innocent people and causing a lot of time consuming headaches. I have, prior to this submission of a formal complaint through CFPB reported the fraudulent charge to XXXX who has already deleted the " account '' from my report in less than a day. This is shameful for someone to actively target people for no reason.
|
| 08/03/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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On XX/XX/XXXX, I ran my credit report on XXXX XXXX XXXX and noticed that I had new medical debt on each one of my credit reports. XXXX XXXX and XXXX XXXX. I contacted the company Midwest Recovery Systems. I told them that the debt was paid in full. Midwest Recovery System asked me to email them my proof of payment. He stated that that if it shows that I have already paid the account off that it would be removed on Friday the XX/XX/XXXX. I sent my proof of payment the same evening. I called to follow up on XX/XX/XXXX. The company passed me from one person to the other. The last person spoke to said it would take 90days to investigate. I have since filed a claim with both XXXX XXXX XXXX and Midwest Recovery Systems. Stating that they would look further into the situation. According to my credit report they have not removed the defaulted information or have they put the claim is as a dispute it now appears on my credit report as a collection and 30 days past due. This needs to be taken care of immediately. I have reached out to both companies and neither company has returned my numerous phone alls. At this point it is fraudulent activity on my credit report. I can not afford to have this derogatory information on my credit report for 90 days. I will be attaching proof that I made a settlement payment back in XX/XX/XXXX. XXXX XXXX also sent this account to this collection agency. XXXX XXXX XXXX has been moving this account around from one collection Agency to another, even after they have acknowledge the account has been paid in full. This is fraud. It is currently causing me a hard ship in receiving a mortgage. The file submitted below has already been sent in to the CFPB however it has never been addressed directly by XXXX XXXX XXXX in Conjuction with Midwest Recovery, only the former debt collection Agency.
|
| 09/20/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
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Web |
|
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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.
|
| 05/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I did some research starting with the original creditor XXXX XXXX XXXX. They stated that they have never provided this account for collection with XXXX XXXX or Midwest Recovery Systems.
I have spoken with a representative from each of the following collection companies regarding the account status and when it was sold to the next collection company. During my research, I did not find any evidence that this account was ever sold/sent/provided to Midwest Recovery Systems. Midwest Recovery Systems is committing fraud reporting a debt that they dont legally own.
Please see the below chain of events for the selling of my account and proof that it was never sold/provided/sent to Midwest Recovery Solutions.
XXXX XXXXXXXX XXXX sold this account to XXXX XXXX XXXX in XXXX.
XXXX XXXX XXXX sold this account in XXXX to XXXX XXXX XXXX.
XXXX XXXX XXXX sold this account to XXXX XXXX in XXXX.
XXXX XXXX still has this account in their office and has never sold it to anyone. They stated they have never sold to Midwest Recovery or anyone else. This account has been in their office since XXXX. XXXX XXXX is the company that legally owns this debt and no one else.
I just find it strange that Midwest Recovery has a debt for me and no one has indicated that they ever legally sold Midwest Recovery this account.
As you can see I have done an extensive amount of research into this matter and I have concluded that Midwest Recovery has obtained my information illegally and is provide false - information about their rights of ownership to this debt. They are violating my FCRA rights by reporting a debt that they do not own and cant prove that they legally own the rights to collect on this account. There is no paper trail that ties Midwest Recovery or XXXX XXXX to my debt from XXXX with the XXXX XXXX.
|
| 08/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I recently started monitoring my credit report more closely using XXXX XXXX. On XX/XX/XXXX I noticed a collection on my XXXX report from a Company called " Midwest Recovery Systems, LLC '' for {$850.00} for a payday loan that was open XX/XX/XXXX. The original creditor 's name is " XXXX XXXX XXXX ''. On XX/XX/XXXX, I sent a certified letter to XXXX disputing this fraudulent account/collection. My dispute letter was received on XX/XX/XXXX. Today, XX/XX/XXXX marks my 30 day mark of waiting. I am currently waiting for XXXX to respond via mail. I have never applied for a payday loan. I have never heard of either company, as well. I was unemployed throughout the entire year of XXXX. I did not have a bank account either. This is a fraudulent collection on my account from a bogus company that stole my identity. Currently ( XX/XX/XXXX ), my XXXX report states that this collection is being disputed, but that is still not good enough for me. I decided to file a dispute with the CFPB, after reading many reviews of people filing a dispute with XXXX and still not getting a resolution. I have read thousands of reviews of other consumers stating that " Midwest Recovery Systems, LLC '' did the same to them. How is this company still able to do this without legal ramifications? I am ready to send a legal notice to Midwest Recovery Systems, LLC with the intention to sue, if this fraudulent collection is not removed from my account. I have never received a single communication from this company saying that I owe them, or that the collection was going on my credit report, which they have to give me a 30 days notice before that is done so I can dispute. They did not do this, because the company is practicing illegal credit reporting. So many laws have been broken. This is beyond criminal.
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| 11/23/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I do not have a signed contract nor any contract with MIDWEST RECOVERY SYSTEMS. I have never done business with this company. I am not liable for collection from this debt from MIDWEST RECOVERY SYSTEMS. I am not responsible for this debt with MIDWEST RECOVERY SYSTEMS. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. ( Hence this company is not licensed in the State of Florida to collect on ANY debt. )
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| 07/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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Over the years I've had problems with family members credit accounts being wrongfully reported to my credit file including bankruptcies!. Recently my sister 's medical bills totalling more than {$4500.00} from XXXX XXXX XXXX have been put on my credit report and I've contacted Midwest Recovery Systems who is the collection company handling the accounts. I've asked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to please correct this problem. XXXX out of XXXX accounts were removed in XXXX but there is still one account that remains on there and continuously damaging my score. In the past my mother and father filed Bankruptcy and that public record landed on my credit report for years! I was unable to get a car, house, or anything. I didn't know where to go for information. I finally walked into a bankruptcy office and showed proof of identity and they removed it. This also happened with my younger brother using his nick name and resulted in medical bills totaling {$7000.00} being inaccurately reported to my file. I worked hard to removed those accounts. It's unfair and not right that these company 's just pin these accounts on family members of the people that benefited from the credit accounts. They also need to find a better way to find the people. I was told that MRS looked up the address and reported the delinquent account that way instead of reporting the account by the social security number. XXXX by address is XXXX and is wrong, not a good a practice because my sister and brother did live with me at one point. I have never had a fair chance to improve my credit score because of all of this. I am wondering if there is any way I can be compensated? Thank you.
Midwest recovery systems XXXX XXXX XXXX XXXX United States Bankruptcy Court
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| 05/11/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am a victim of identity theft. Today my credit monitoring service alerted me to a collection account that was just added to my credit profile. The collection account is : Midwest Recovery Systems which is a debt collector collection a debt for the original creditor " XXXX XXXX XXXX ''.
I have never done business with XXXX XXXX XXXX or heard of XXXX XXXX XXXX. A quick look at my credit report shows zero late payments for any accounts and only one negative account which is this collection account.
Several years ago my office was broken into and several identity documents were stolen. Included was my driver 's license, my passport and my social security number. I filled a report with my building 's security and then later after my identity was stolen I hired an attorney who had my file a police report. Several bank accounts, credit accounts and even a penthouse apartment lease was executed in my name without my knowledge. All of these accounts have been investigated and removed from my files after outside investigations.
I have attached a copy of the affidavit of identity theft affidavit and the police report. I have also attached copies of letters from XXXX XXXX XXXX regarding bank accounts opened in my name fraudulently and a letter from an apartment complex where someone had executed a lease in my name without my knowledge, approval or authorization to back up my identity theft claim. All of these documents have contact information on them if any party needs to verify any of the information.
This debt collector and original creditor may only contact me in writing either through the CFPB portal or through the mail. This debt collector and the original creditor may not contact me over the phone, all communication must be in writing.
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| 11/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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A " company '' called Midwest Recovery Systems in XXXX XXXX, MO ( XXXX ) XXXX, suddenly posted a collection on my credit report on XX/XX/XXXX. They claim to be representing a company called XXXX XXXX XXXX XXXX XXXX. This collection says I owe {$930.00} on an account that they claim had its first delinquency in XX/XX/XXXX. This account and claim are both totally fraudulent. This has caused my credit score to go down 47 points from XXXX. I never did any business with this company neither have I ever heard of having any debts with them. I immediately disputed this to the credit bureaus. XXXX investigated and deleted it in two days. XXXX XXXX report just repeats the info of the false claim and suggest I report this to the CFPB. I am very suspicious of these Midwest Recovery Systems people. I have read many people experiencing this same scam and having their credit damaged in the process. I also tried to report them to the XXXX only to find out that the XXXX had revoked Midwest Recovery Systems ' membership as a result of too many complaints exactly like mine. You can still pull up Midwest Recovery Systems on the XXXX website and see the XXXX grade, revocation, and complaints on them. I have spoken with the company XXXX XXXX XXXX XXXX XXXX notifying them of the issue. They reassured me that I am not in any of their systems and that they are familiar with this kind of fraud. They also said they would be pushing the matter to corporate. The funny thing is XXXX XXXX XXXX XXXX XXXX sends loan offers in the mail to me almost weekly. Why would a company be offering loans to someone who still owes them money from XXXX? How could Midwest Recovery Systems be trying to collect a debt for a company who says there was never a debt to begin with?
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| 05/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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Midwest Recovery Systems is fraudulently attempting to collect a debt in the amount of {$730.00} it purchased from XXXX XXXX, XXXX in XXXX. On several occasions, Midwest Recovery Systems has illegally placed this account ( ending in XXXX ) on my credit reports by using fraudulent, illegal and unfair debt collection practices such as negative re-aging of debt, breaking the statute of limitations in the State of Michigan, communicating false credit information and failing to disclose that I have disputed this debt on several occasions.
XXXX XXXX, XXXX is not a licensed lender in the state of Michigan, according to the Michigan Department of Insurance and Financial Services.
Between XXXX-XXXX, my attorney successfully worked with the three credit bureaus ( XXXX, XXXX, and XXXX ) to get the Midwest Recovery Systems/XXXX XXXX account removed from my credit reports.
Years later, in XX/XX/XXXX, Midwest Recovery Systems fraudulently placed this account on my credit reports again causing me further harm by damaging my credit during the COVID-19 pandemic, one of the most devastating times for Americans in the history of our country.
Once again, I have filed disputes with the credit bureaus to have this account removed from my credit reports in an attempt to reverse the damage caused by Midwest Recovery Systems. Additionally, I will be seeking legal counsel and filing complaints with the XXXX and FTC if this account is not removed from my credit reports promptly.
I would like to settle this matter without litigation. However, if Midwest Recovery Systems continues to cause me and my family harm with their fraudulent, illegal, and unfair practices, I fully intend to invoke my rights as an American citizen and leverage the judicial system.
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| 10/23/2018 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Please note that this is a statement that your claim is being disputed and validation is demanded. Midwest Recovery Systems has reported an account in collection to all three credit bureaus as of XX/XX/XXXX which has caused problems with my credit report when I haven't opened or taken out any new loans or accounts since XX/XX/XXXX because I am in the process of buying a home and all of a sudden this collection popped up on my report. I attempted to call and find out where this collection came from and asked if they could send me verification for the validation of this debt they claim I owe but I kept getting transferred to different people and was told they couldn't send anything out. I am requesting that I be provided with a validation of debt, when the debt first originated to verify that I do owe said debt and have any legal obligation to pay you. Please provide the following : Agreement with the creditor ( XXXX ) 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. Also needed is proof that you are licensed to operate in the State of Alabama along with your business license number and Registered Agent number. If your office ( MIDWEST RECOVERY ) fail 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 said debt must be ceased.
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| 05/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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COLLECTION COMPANY 'S XXXX XXXX XXXX XXXX FLORIDA XXXX XXXX.
ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX {$810.00} DATE ACCT OPENED XX/XX/XXXXREPORTED AS OPENED XX/XX/XXXX ON CREDIT REPORT.
MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ORIGINAL CREDITORS XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX {$430.00} XXXX XXXX OPENED XX/XX/XXXX {$700.00} XXXX XXXX XXXX OPENED XX/XX/XXXX {$430.00} REPORTED AS OPENEDXX/XX/XXXX AND XX/XX/XXXXON XXXX, XXXX XXXX.
I have filed dispute on this accounts for a couple of years but because the collection agencies keep passing to other collection agencies I have to start the whole process over and never seem to get it resolved. I have contacted both of this and explained how I have been disputing the collections they have with previous collection companies but they pass it to other collection agencies so I have to start the process over and want answers as to why they are reporting to credit agencies with wrong date of collection when the original date is showing as the date they received account not when account was opened, I also asked if they had a surety bond with the state of Texa as third party collection agency must have a XXXX surety bond in Texas, XXXX collector nor supervisor didn t know what I was talking about. I then went onto explain that I have been trying to resolve this collections due to having my purse stolen in XX/XX/XXXXand have been having issues but because they are illegally reporting with incorrect dates causing me to get this off my credit report for the past 6yrs. Due to this collection companies reporting incorrect dates I have not been able to proceed in purchasing a home because of there incorrect reporting is affecting my credit score.
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| 12/06/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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I already have a complaint with CFPB under XXXX # XXXX. If you google the company XXXX there are reports of scams matching this company and they have provided no source of the company they claim that they are collecting for, if you look them up in the better business bureau there are over XXXX complaints of this being a fradulent company. Now they are reporting on my credit under another name demanding that I pay something that is not even mine. Now they are going under this information for the same information saying that I owe a payday loan from XX/XX/XXXX
XXXX # : XXXX Current Creditor : XXXX - XXXX Original Creditor : XXXX Account # : XXXX Account Balance : {$760.00} XXXX XXXX XXXX, XXXX.
XXXX XXXX, MO XXXX Toll-Free # : XXXX Fax # : XXXX Website : XXXX My information is being passed along repeatedly to DIFFERENT companies buying my old information and saying that I owe a debt that I never took out, it is getting ridiculous that now it is on my credit report displaying the name XXXX XXXX and also that the debt was opened on XX/XX/XXXX. I am totally being scammed, I want this off of my XXXX, XXXX, and XXXX report IMMEDIATELY because I am being scammed, none of these companies can provide debt validation so I can investigate this properly to the authorities. No company would decide to go on trying to collect a debt that is supposed to be from XX/XX/XXXX and it is almost XX/XX/XXXX. That is how I know this is FAKE! If I took out a loan that should be able to provide documents, electronic signatures if it was done on line and also provide the XXXX address of the computer it came from, they put it on my credit report before even notifying me, total scammers. Please rectify this issue IMMEDIATELY
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| 01/17/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Tonight ( XXXX XX/XX/XXXX19 ), I received a credit monitoring alert that a new derogatory account was listed on my credit report. I immediately noticed it as a debt that was already paid. I never received any call or letter informing me of the debt - it just magically appeared on my credit report. I called the collection agency to find out what was going on. The balance was {$50.00} even. I told the collector that I had never received any phone call or documentation via mail about the debt, and requested that to be sent to my address because the debt was not mine. She informed me that she would not provide that to me and that I was responsible for the outstanding balance after insurance and to pay it now. I told her that this wasn't my debt but to avoid the headache, if she would send me a letter in writing stating that if I paid the balance this negative information would be removed from my credit report, I'd pay immediately. I don't pay anyone without knowing exactly what I owe and for what, and she was very defensive when I requested validation. Instead, she emailed me a notice to collect without any requested financial information. I have already paid the collection to the original creditor, so I am hesitant to pay anything else without proof that I owe this money. I called back to request that I not be contacted by phone and spoke to another collector. She attempted to collect the debt once more, and I explained the event that occurred previously. She told me that I was lying about what I was saying, and both of the collectors used baby talk to try to get me to understand what they were saying. I was well aware of my rights and knew that my request for debt validation was sound.
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| 11/11/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I began receiving robo calls in XXXX. The calls were strange and said " A complaint has been filed against '' me. At first I thought it was a simple mistake, since I had not ( and still have n't ) received anything in writing. Then, family members, friends and my work said they began receiving these calls too. To the best of my knowledge I do not owe anyone anything and have been working on raising my credit score.
Then I received alerts from a credit monitoring service that this company has entered numerous credit entries on my three credit bureau files. These entries show an amount, that I do not owe XXXX {$620.00} XXXX, and show late payments for the month of XXXX and XXXX.
My credit score has plummeted.
Since I have not received any written communication from this company, I had to use the address entered into my credit files. I sent them a written request for the following : 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 : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent They have not responded and it has been 30 days.
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| 12/01/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I received an alert from my credit protection account that XXXX collections account were posted on my account from Midwest Recovery Systems with the original creditor being XXXX XXXX. The information on both collections account was the same and reflecting I owed the amount of $ XXXXfor each collection account. The only difference was the account numbers had a different last digit number. I have never done business nor heard of a company called XXXX XXXX. The collection agency ( Midwest Recovery Systems ) have never contacted me regarding this debt and gave me a chance to dispute it within the 30 days. I just woke up XXXX morning and XXXX collection accounts were there. Four days later after they added these collection accounts to all XXXX credit bureaus, I received another alert stating that my information was found through the XXXX XXXX and was possibly sold. I have an identity theft report and have disputed this with all XXXX credit bureaus. I have also filed a complaint with the XXXX in which I saw this company has had over XXXX complaints with the same issue that they were not notifying people of collection accounts and just placing these fraud accounts on their credit. I decided to report them as well to the Consumer Financial Protection Bureau because it seems this collection agency are not conducting business legally and just placing false collection accounts on consumer 's credit report without allowing the information to be verified or the consumer a chance to dispute it. I am in the process of purchasing a home and this has majorly impacted my credit where I can not obtain a home. I do n't want this to happen to another XXXX people.
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| 11/08/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I checked my credit and found a collection item. I called Midwest Recovery Group, which told me this is from XXXX XXXX, another debt collection company??? I was told this was from a payday loan in XXXX Ca. in XX/XX/XXXX, I have not lived in XXXX since XX/XX/XXXX. I have not been notified of this, by mail, phone or email. I have no outstanding debts to be put in collections. I do not know who the ORIGINAL creditor is supposed to be. I have been getting calls now for about 2 years and every time I turn to CFPB and get results. I have had this removed before because it is not mine, beyond collections in Ca. I asked for validation to be sent to me but the person never asked for my correct address after I told him I have not lived in XXXX since XX/XX/XXXX. This is a scam just like all the other complaints I have filled out. If this is a payday loan then it its supposed to be arbitrated and no attempt has been made in a legal fashion.the process to put such an item on my reports was circumvented in violation of the FCRA. I have absolutely no information on this debt to even begin disputing it.This is an end run around the law because whatever this is can not stand up to the scrutiny of a court room. In court I have discovery and can get to the bottom of this. I believe it is not mine and the light of a court room would prove this is not mine and who ever is responsible for this item will be found uncollectible due to age of said item. This is a scam and I want my info back. My info has been breached by XXXX XXXX, XXXX, my local hospital and my XXXX doctor in XXXX Ca. I can not fight or dispute this as I have no information about this.
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| 04/09/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Midwest Recovery Systems, LLC. has reported to my credit report of a collections account that has started appearing on it as of today. I have no idea what this debt is, nor received ANY form of notification of this by mail or phone that a " debt '' was due and owing. It just randomly appeared on my XXXX report without any communication with me whatsoever. Also, this account is already showing as a negative on my account, so this is now impacting me twice.
Alleged balance : {$650.00} Original Debtor : XXXX XXXX XXXX Date Opened : XX/XX/2020 Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision.
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| 01/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I noticed there is two collections on my credit report. The collector is Midwest recovery systems. The original debt was from XXXX XXXX XXXX XXXX. The amounts are XXXX and XXXX something. My issue is several things. First this debt is almost ten years old. And also inaccurate!
These amounts were covered by insurance but because of a clerical mistake I was still billed. Now even though it was settled this debt keeps popping up but with a different collections company over the last couple of years. I have filed two other complaints with successfully removing them from my report. Now another company is attempting to collect the same exact debt. This company is calling my phone 40 times a day. I attempted to speak and explain this but the guy kept insisting on a payment. After making it very clear there will be no payment because the debt isnt accurate. The guy says well you will be sued!!? Well I know that even if the debt was accurate it is to old to sue. They cant do that can they? I would like the accounts removed from my report. Better than that Id appreciate an inaccurate debt to not be repeatedly sold to different recovery comp. I dont understand if the accounts are closed over and over why it keeps coming back. As always if it isnt removed and harassing phone calls dont stop I will seek litigation! These companies that repurchase these accounts should verify the accuracy of debt and probably should be some way to verify this information from the previous collections comp. they could easily show these accounts previously closed due to inaccuracies. Thankyou for your time and assistance. Sincere regards, Mr XXXX XXXX
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| 09/30/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On XXXX XXXX, 2016 Midwest Recovery Systems reported a collection on my credit report. According to my credit report, this alleged debt is for {$66.00} and the original creditor is XXXX XXXX XXXX XXXX XXXX
I have only been to one physical therapist in my life, and I spoke with them about this matter after I found this report. They told me that they knew nothing about this, and that they had not submitted any debt to any collection agency. They further told me that ALL of my treatments were paid in full by my insurances since I have both medicare and medicaid.
I do not, nor have I ever had an outstanding bill with this or any other physical therapy company. If the bill were owed, I would have paid it, but I will not be paying a fraudulent bill.
Furthermore, I was not informed of this bill before it showed up on my credit report. I was not contacted by telephone or by mail with any bill by either party. I was not given any opportunity to resolve the issue before it showed up on my credit report.
Additionally, I believe that Midwest Recovery Systems has since sold this debt to a second debt collector, adding a second collection for the same fraudulent debt to my credit report. I will be filing a second complaint against the second debt collector.
I have done some research and found that this company has done the same thing or similar to many other people. It needs to stop. I want this fraudulent debt removed from my credit report immediately. I have worked too hard to increase my credit score only to have false statements from these people wrongfully lower my credit score.
|
| 05/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I don't know this account.
All it says is that it's a 'bank account OR card opened up with my social security # ( the alert showed on my XXXX , apparently it was reported to XXXX ) and name.
I have only one bank account at XXXX XXXX XXXX so any other cards or accounts opened up after in/after 2011 are fraudulent.
This company reported XXXX to my credit score.
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 they are licensed to collect in my state ; and their license numbers and Registered Agent. If your they fail to reply to this debt validation within 30 days from the date of the eceipt, 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.
|
| 03/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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Midwest Recovery Systems has reported a collection account to all three Credit Reporting Agencies ( XXXX, XXXX, and XXXX XXXX. I do not recognize this account as being mine. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting Midwest Recovery Systems to provide me with a validation of the debt. To clarify, I am disputing the account being reported by Midwest Recovery Systems and demanding validation of the debt. ( XXXX XXXX XXXX Sec. XXXX XXXX b ) ) I do hereby request that Midwest Recovery Systems provide me with complete documentation to verify that I owe the said debt and have a legal obligation to pay it. Please provide me with the following : ( 1 ) the agreement with the creditor that authorizes you to collect on this alleged debt with the agreement bearing my signature stating that I have agreed to assume the debt. ( 2 ) Valid copies of the debt agreement stating the amount of the debt and interest charges. ( XXXX ) Proof that the Statute of Limitations has not expired. ( 4 ) Complete payment history on this account along with an accounting of all additional charges being assessed. ( 5 ) Proof that Midwest Recovery Systems is licensed to collect debt in the State of Michigan along with license numbers and Registered Agent. If Midwest Recovery Systems 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 XXXX, XXXX and XXXX credit reports. Moreover, all future attempts to collect on the said debt must be ceased.
|
| 07/31/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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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.
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| 11/21/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On XX/XX/XXXX, I checked my credit file via XXXX XXXX and noticed a new collection account with Midwest Recovery Systems, XXXX with XXXX XXXX in the amount of {$150.00}. I immediately contacted XXXX XXXX XXXX XXXX regarding this debt. Speaking with a representative, I inquired about this debt only reported with XXXX ( XXXX XXXX recent breach caused major concern ). The representative stated that this debt opened in XXXX of XXXX with XXXX XXXX and went delinquent in XX/XX/XXXX. I explained to the rep that I had n't had a XXXX XXXX account in many years and that I never initiated a loan with XXXX for an amount of {$150.00}.
Furthermore, I explained to the rep that the recent breach with XXXX, led me to believe that this was a case of identity fraud or something of the like. I went on to explain that should I had owed XXXX, I would have received mail correspondence and phone calls regarding the matter ; I have never received a dunning letter involving this alleged debt, and that I have lived at the same address since XXXX of XXXX. The rep stated I needed to file a police report, I explained that by law, both the FCRA and FDCPA requires both the credit bureaus and collection agencies to forward a dunning letter and the original contract information with signatures validating any debt owed BEFORE a file is placed in a consumers credit file. The rep explained that they do not send dunning letters until AFTER they have spoken with a debtor. My response was that they were in violation of the FCRA and the FDCPA as that is not what the law mandates.
|
| 08/22/2016 |
No |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
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.
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| 03/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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So XX/XX/2020 I got an email by XXXX credit monitoring that there was a derogatory report. I hadn't received any notification nor collection letter stating I owed. I went on the website and called Midwest Recovery Systems llc which is listed as the debt collector for the {$640.00} I supposedly owe. ( XXXX XXXX, the rep ) told me they have no record of me, I gave them my social, name, maiden name, and DOB. I was told the debt was sold to them by XXXX XXXX, I called them. No record also, but they couldn't look up " archived debt " even though it was just put on the credit report. They told me who the company that originally sold them the debt " XXXX Credit card by XXXX XXXX ''. I looked up their information, called them no information/record on me I've gave them what address I possibly could have been listed, and my birthday. I called XXXX PD to make sure I had a record just in case it was an issue of identify theft. Gave the investigator the information told by me from the companies I had communicated with. I have a police report number and was told unless it was identify theft they couldn't help me further but it was documented. I called Midwest back with this information, and was told they would investigate and would follow up. Haven't heard anything back & they give me the " we're still investigating run around game '' and I could talk to the director XXXX. I reach out to XXXX also because I wasn't confident that Midwest would follow thru on this phony debt. Please help me, I don't want something on my report if it isn't true
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| 01/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I was recently notified by XXXX XXXX that there were four delinquent accounts that were placed on my credit report by " MIDWEST RECOVERY SYSTEMS ''. This account balance that they are reporting delinquent was " Paid in Full '' in XX/XX/2016 over 2 years ago.
As a result, my good credit score between 730-740 was dropped to 680-690. Additionally I have a XXXX XXXX Clearance and am currently going through an investigation that will check my credit report and could effect my clearance since my investigation asked me about my financial credibility and is part of my investigation. I also am applying for a home loan and this couldn't come at a worst time.
The problem that I have with this is that MIDWEST RECOVERY SYSTEMS never sent me a letter of notification giving me the opportunity to dispute these accounts and show proof. They just immediately put this on my credit report. It is my belief this is an attempt to force me to pay an invalid account to clear my credit report. A scam basically. Normally credit collection agencies send out a letter to validate a reported debt.
I find this to be a violation of my rights to dispute and defend myself. Trying to destroy someones credit report appears to very illegal. MIDWEST RECOVER SYSTEMS did not take the proper and normal steps to validate the debt most likely because they know that there is no debt and just putting it on my credit report would be threatening and force me to give them money. I want them to be investigated as I see there process of non-notification as very illegal.
|
| 10/22/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
Midwest Recovery Systems ( XXXX XXXX ) are showing that I applied and was approved and money was deposited to a account belonging to me in the amount of {$660.00}, which has NEVER happened! No funds have been added to my account by XXXX XXXX nor do I owe this company ANY MONEY.
My credit report shows the opening of this account of {$660.00} and that there has never been a payment made on it since funded starting from XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. WHY? Because its not a valid funding. I have never borrowed, used, signed a agreement stating I wanted or received funds Anytime in XXXX. Period.
I have disputed this with the credit bureau and this company is indicating that this account is valid when its impossible! I have NOT applied or received funding from XXXX XX/XX/XXXX. I have NOT authorized this company to access any of my information.
____________________________________________ I have tried calling this company, sent a letter to this company to clear up these inaccuracies but I cant seem to get anywhere, I just get the run arounds, either they cant find my info or I cant understand the language spoken by the representative, or not listening to my concern too busy attempting to give me a loan ( selling ), etc.
I filed an dispute with the credit bureau but my results say that the company just report that the info is accurate. When its absolutely 100 % inaccurate.
Credit report says it will stay on my record until XX/XX/XXXX but should have never been on my credit in the first place.
|
| 07/02/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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Please help me. I don't know what to do anymore. I'm trying to buy a house and I can't close escrow because there is a collection on my credit report that isn't mine. The collection agency says its for a payday loan but I've never had a payday loan in my life.
I've tried fighting this account already with the credit bureaus and the collector back in XXXX. Until now I haven't received any response from anybody. I've even hired someone to help me and he isn't receiving much help either. We've called and told the collection agency that I was going to lose my escrow and they don't care. We've told them this was fraud and they still don't do anything about it. The person helping me was even able to speak to the director of Operations for Midwest Recovery Systems and they still haven't done anything to fix this. XXXX XXXX was his name.
I will send you a copy of the e-mail my representative sent to XXXX XXXX XXXX 's request and we haven't received a response to those either. No response when I sent a letter to ask for paperwork by Midwest Recovery Systems, no response to my letters to the credit bureaus, no responses to the e-mails to XXXX after XXXX asked for them himself ; no response of any kind from anyone has ever been received.
I need your help in getting this removed from my credit report. My escrow was supposed to close today but by a MIRACLE we managed to extend this one more time for 15 more days. I don't want to lose my house because a collection agency is trying to collect an account that is not mine.
|
| 06/29/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
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Midwest Recovery Systems out of Oklahoma, has contacted me by phone numerous times trying to collect a debt from XX/XX/XXXX for a payday loan I supposedly took out from XXXX XXXX XXXX I have asked Midwest Recovery each time they have called to provide a written statement with the debt information to be mailed to my current address. They refuse, argue, threaten litigation, and then finally hang up on me when I don't pay the debt over the phone. It happened again today, XX/XX/XXXX.
Earlier today, I called the number they left on my voicemail and spoke to their representative, XXXX. XXXX XXXX. After she hung up on me, I looked up Midwest Recovery Systems on the web and found numerous complaints and scam notices against them. I then called the CFPB and received instructions for filing this complaint. After speaking with the CFPB representative, I tried to call Midwest back, and now can not get an answer.
Midwest Recovery Systems seems to have very shady business practices, and too many scam alerts against them for me to ever pay them money over the phone. Especially when they do not provide any proof of my debt. They also use threats of legal action against me to try and get me to pay them over the phone.
They have called me at least 3 times in this manor over the last 6 months. I'm not even sure I actually owe this debt, and now Midwest Recovery has reported it negatively on my credit reports. How can they do that, when they refuse repeated requests by me to provide written proof?
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| 01/15/2017 |
No |
|
- Received a loan I didn't apply for
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|
Web |
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First of all, i havent received any money from this lender since the XXXX time I Borrowed {$300.00} around XXXX. Paid off loan to lender in two ocassions. The first time I set up a payment plan with them since the amount I owed them came up to be more than the amount I borrowed. I closed my bank account because I did n't want them having my account information. After a couple weeks I was still getting phone calls calling me again saying I owed them more money ; I ignored them. The Most recent pay was about 2 years ago. They harassed me by calling my cell phone and my house saying I owed $ XXXX, when I finally talked to them on XXXX XXXX, XXXX to try to see if they can lower the amount they lowered it to {$510.00} and paid it. They said it was taken care of and there would be no more calls. One week later the calls started again. They said I owed them another $ XXXX. I told them I just paid them last week that I was n't going to give them anymore money and hung up. Since then they 're still calling me from several different numbers. I checked my credit score a couple days ago and on there it shows a collection balance of {$870.00} from a lender I do not recognize and it says I took out the loan in XXXX XXXX, XXXX. THIS IS FALSE. I did not take any loans and I never received any money from them or anyone. I believe these people are renewing this payday loan making it look like I 'm getting this money. The bank account I used at the time and which they have on file is closed.
|
| 06/20/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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On XXXX XXXX I filed a complaint- reference number XXXX against MIDWEST RECOVERY SYSTEMS. In their response to the CFPB regarding this matter they indicated that and I quote, '' Additionally, in this instance a record for deletion has been sent to all XXXX credit reporting agencies. '' On XXXX XXXX, it was brought to my attention that this account is still being reporting to XXXX and this occurrence has been verified by XXXX customer service agents of XXXX On that same date, I contacted Midwest Recovery Systems and I was given an elaborated reason by some XXXX XXXX as to why this account is still reflecting on my credit report. This morning on XXXX XXXX, I call Midwest Recovery Systems and spoke to a XXXX XXXX and I feel that I am being giving the run around. Now I am filing this follow complaint against the Midwest Recovery Systems for clearly providing false information to the CFPB. It seems evident that they have no problem providing false information to a federal institution. This attitude of theirs is further evident in their total disregard of the federal statutes of the FCRA that binds them. The latter is perhaps a reason why I have never received a debt validation notice from them since I started communicating with them. More importantly, after sending them a certified mail requesting for validation of the debt as indicating in my previous complaint they continue to report this account to XXXX and I am yet to receive any response to my debt validation request.
|
| 01/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
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On XX/XX/2019, a collection account in the amount of {$400.00} was added to my credit report from a company I have never heard of, nor have I received any documentation stating that I owe this debt. Midwest Recovery Systems is the name of the company. They claim they are collecting a debt from a company called XXXX XXXX XXXX, who is not a company I have done business with. Searching online, I have found this is a severely fraudulent company and many others have had this same situation happen. I disputed it with XXXX, but they did not complete a thorough enough investigation and left it on my credit report. On XX/XX/2019, this same debt was added to my XXXX report. I am in the process of disputing it with them also.
Reading these reviews, I have found this company also has violated many collection laws with some threatening arrest and so on. It makes me think that this is the same company that reached out to me a few months ago at my work, telling my boss that I was going to be arrested for not paying a debt. I ignored them because I knew it wasn't true. It all sounds connected to this fraudulent activity on my report now. At that time, I had filed a complaint with the FTC and Attorney Generals office for the State of Michigan. After that, I never received another call.
I do not understand how this can happen. There needs to be better accountability by the credit bureaus to protect consumers from this type of action that can affect so much in our lives.
|
| 06/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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Hi, I received a debt collection on my credit report from Midwest Recovery Systems, this is their address : XXXX XXXX XXXX XXXX, MO XXXX. It said that I owed {$150.00} as a collection from XXXX XXXX, but I never received an email, call, or letter from XXXX XXXX or the debt collection agency. I contacted them and paid the collection anyways because I needed it off my credit report, but they said they had emailed me in XXXX. I have absolutely no email from from anytime and I've looked through all parts of my email including spam. I asked them if they might come up as another name in the email and it says they show up as " no-reply. '' Labelling the email as " no-reply '' is confusing and more importantly, I never even had an email from that email either. I tried to ask them if I could dispute it since I never got an email, but they said no because they said they did email me even though I never received it. They resent the email me today XX/XX/2020 when I asked them to XXXX after first having to jump through hoops to contact them through phone ) and the email came through as XXXX. I was able to lower the amount paid to {$120.00}, but I still feel like I wasn't contacted properly and I shouldn't have paid the amount I did. Also, when looking at the email I made them resend, they had my address completely wrong.
In the pictures I provided, I did my best to prove I never got an email from them and to show the exact dates of when I actually did get the email.
|
| 08/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Last month XX/XX/XXXX I noticed that Midwest Recovery Systems, LLC had placed on my XXXX and XXXX credit report that they were collecting a debt of XXXX the last date of delinquency ( according to the info on my report ) was in 2012. The problem is ... I never took out a loan with the company that they are stating is the original creditor. This company has never sent any letters to my address alerting me to this debt or that they were attempting to collect a debt and when I contacted the Credit Agencies to dispute the debts, they both came back verified as mine by the Collection Agency and remain on my reports as valid. I contacted the Collection Agency - Midwest - and asked them for documented proof of the debts and they simply ignored my request and never followed up with me. SO I looked online to find out about this company and see that they have thousands of complaints against them in regards to putting false information on credit reports and other consumers having to file suits against them to get them removed. This company is being allowed to list on consumers credit reports without any documentation that they are actually owed debts and it 's ruining credit. Apparently all they needed to provide to the Credit Reporting Agency to " prove '' the debt was mine is my name, address, date of birth and last 4 ss I plan to take them to small claims court very soon because they will not remove or prove this debt but wanted to alert you.
|
| 02/07/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I got an alert from XXXX XXXX saying I have a new derogatory account debt which was opened on XX/XX/XXXX and XX/XX/XXXX this unlawful tactic was used to target all three of the major credit reporting agencies. I have never gotten a witten validation letter from Midwest Recovery Systems in XXXX XXXX, Mo. I had an old debt that was charged-off and or closed back in the year XXXX I live in California and it is illegal for companies like MWRS to buy old closed contracts trying to recovery money that is no longer owed and account is closed. There is a statue of limitations after 4 years in my state. This company has ruined my credit score on all of my credit. They start out with harassing phone calls of intimidation talking about lawyers and mediation I was not sued and had no CCJ against me and the fact that they can just send any old piece of information to the 3 major reporting agencies with only profile information and your social and an old bought account number these agencies do not check to see how old the account is they just add it to your file as current by using such appalling illegal practices as a company. I am vehemently opposed to these misleading actions of MWRS. By my rights under the FDCPA and they should not be able to RUIN a persons credit because they are running an illegal scam. I am going to report this company to the AG in my state as well I will not tolerate this type of abuse from no one or organization.
|
| 06/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
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.
|
| 02/05/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
they posted on my credit score saying that i owe XXXX bucks in XX/XX/XXXX but i never had any account with them ever i never needed to get any loans this has dropped my credit score from a XXXX to a XXXX i dont understand how there are so many complaints with these people and no one has started a law suit and i dont understand how the credit bureaus continue to let them report fake loan accounts so i am contacting any and everyone that i can think of hopefully if i can get enough people involved we can all get together and show the credit bureaus they reported this fraud account on more than 1000 accounts that they will be removed not only that hoping they can be stopped and have something done about this!!!!! i want this removed from my XXXX credit account asap i never applied for any loans or anything also i did a 3 way call on the phone today with rtem and XXXX i told them to provide me proof that this was my accunt and i asked for a fax number to send my police report and to my surprise they gave me XXXX THIS IS A FAKE FAX NUMBER BTW this just confirms it even more 1000s of people are complaining online about them why cant they be stopped its clear they are reporting to get money from people but i want pay these THUGS XXXX XXXX!!!!!! XXXX XXXX is the woman from XXXX that did the 3 way call her number is XXXX ext XXXX they told her that the account was in XX/XX/XXXX but on my XXXX account it showsXX/XX/XXXX XXXX
|
| 01/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Around Fall of XXXX, I received a collection call from a company I never heard of nor ever did business with : XXXX. Then I started receiving demand letters about a loan they made online and sent to a bank ( XXXX ) where I 've never had any type of account ever. I never received a monthly statement, an email or any communication but allegedly " my account '' was months over due. I told them it was not me, I did not know them and never made any online or other loan. They passed me to their fraud department at XXXX. They never sent me any documentation about the alleged loan, like signature or application papers or dates as required by FDCA law but ultimately stopped calling.
Then later in XXXX they sold ( I guess ) their junk paper to XXXX XXXX XXXX without disclosing the identity fraud and XXXX XXXX XXXX starting to harass me. This time, as suggested, I filed a criminal complaint with local police and the Federal ITVA ( Identify Theft Victim 's Complaint and Affidavit. I also put fraud alerts with all major credit reporting agencies. This info was made known to XXXX and they stopped calling.
Now, it appears XXXX XXXX XXXX has sold their junk paper again without disclosing that it was a fraudulent loan and Midwest Recovery started calling. After telling them the story and asking for documents, it reply is maliciously placed derogatory information into my credit report showing this is under currently collection.
|
| 10/31/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
This is the second time I have written about the mistreatment of two companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they generated me a bill during a medical consultation a year ago and the bill was sent to Midwest Debt Collection. without ever being sent to my insurance or to my address to be able to pay that debt, my credit was severely damaged. Then Midwest Recovery Systems, knowing of the rush to repair my credit score, used the tactic that if I paid it out of my pocket, they would repair my credit faster to buy the house, then paid, that was a serious mistake I made, because my credit wasn't repaired faster and I have to pay much more for the mortgage of my house for eleven long years since I had to qualify for an HFA loan due to bad credit score even though I gave more than twenty percent of the mortgage because.
Now trying that the bill that was generated a year ago be sent to my insurance to recover some of the money, I have been mistreated by both company, XXXX XXXX XXXX XXXX says that that is not their problem, that it is a frequent mistake and that they do not have the fault of what happened and that they sent the debt to Midwest Recovery Systems and Midwest Recovery Systems says that that account is closed and that they no longer have anything to do with it.
then I wonder Who can defend us from these abusive practices used by this company against citizens?
What should I do to claim my rights?
|
| 07/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Opened a pay day loan in XXXX with XXXX. Had several before and paid them all off when payment was required. The last one I took out in XXXX, I was unable to pay back at the time due to hardship. They sent it to collections and kept transferring it from one collection agency to another. In XXXX, XXXX XXXX XXXX called me and I was finally able to pay it back. They told me they owned the XXXX loan now and we negotiated a settlement in good faith. I sent a certified check in the amound of {$800.00} and it was paid in full and satisfied. Letter attached. Over the years several other companies call me and want to collect on the same exact debt. I fax them the paid in Full letter and they leave me alone. Well, this awful company, Midwest Recovery Systems, LLC, never called or emailed me or anything. They just opened a collection entry on all of my credit reports. I called them immediately very upset and sent them by fax and email the paid in full letter and every time I call them, they say they never received it and I feel this will never get taken care of. Please help. They are scammers and I did pay it off in good faith. These companies just keep selling old debt even if it 's paid in full. I called XXXX this past Monday and they verified with me that this is the same account number that Midwest Recovery Systems is trying to collect on. Please help get rid of these scammers and fraudsters. Thank you. XXXX XXXX
|
| 02/14/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX received a phone call from a SC number. I spoke with a black male who asked who I was. I stated may i ask who is speaking. He stated i assume this is **** ( Myself ). Asked me to verify the last 4 of my SS and Date of birth. He did advise this is an " admit to collect a date ". I advised about a loan dated back to XX/XX/XXXX for a payday loan. I advised that i was currently working and paying this loan with someone else. They then advised me that i was being scammed by the company that i am paying and that they have the loan in their office now as of XX/XX/XXXX. I have not received any documentation from this company. Today, i received notification that from my credit monitoring that they have added this loan onto my credit dated back from XX/XX/XXXX. I am in the process of paying this loan every month from a company that worked out an agreement to clear this up. and also disputed this with a XXXX credit bureau.It has not been placed on my other major credit bureaus. I am the process of sending a debt validation letter as well. But i never received documentation that this loan was sold. And per the people i am paying they have not sold this loan to anyone else. And also this loan is pasted statue of limitations, and also i advised that to the rep who i spoke with today as well. He stated that well that is true but since we placed the loan in our office that we can place it on your credit.
|
| 05/15/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Midwest Recovery Systems has reported an account in collection to all 3 credit bureaus.They did not provide account number, dates, or any identifying information. 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 ; 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.
|
| 08/04/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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Received a voice message from MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX stating that they were hired to resolve an online payday loan in the amount of {$1000.00} i allegedly had taken out in XXXX from a compay by the name of XXXX XXXX . I told them i was unaware of any online payday i had ever taken out with such company and did they have any validation of the alleged debt. The agent told me that they did n't, they were simply hired to collect on the debt at which point the agent gave me an old address of mine that i lived at back in XXXX in a property that was foreclosed on. I told them that without documentation to validate their claim i could n't speak to them any longer. I did notify the agent that in the state of Florida, Florida law requires that the payday loan agreement be in writing and signed by both parties on the date the loan is given. The loan agreement must contain : the name and address of the lender and the lenders business office the name of the lender 's representative who signed the agreement a clear description of the agreement including the date of the loan, the amount, the loan term, and the transaction number.
None of this infomation he had at which point he hung and i have n't heard from since. They did put a negative mark on my XXXX credit report however without even attempting to resolve this matter beforehand.
|
| 01/24/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Midwest Recovery Systems appeared on my credit report on XX/XX/XXXX and I reached out to them via email on XX/XX/XXXXto dispute the validity of this account. I had not taken but any payday loans in the last four years and also knew that I had dealt with some companies who were not abiding by CA law. I forwarded the Desist and Refrain Order from the California Dept of Business Oversight showing that any payday loans issued to residents in CA were null and void. They have yet to acknowledge any of my emails ( followups sent on XX/XX/XXXX and XX/XX/XXXX) so I called. A call center rep said that that order had no bearing on their collection since their client, XXXX XXXX, had purchased the debt. My argument was the original debt was made null and void so their collection was invalid. Nothing came of that call and I ended. I reached out to the California Dept of Business Oversight and they forwarded my request to your oce. All I am asking is for this to be removed from credit reports. XXXX has removed it and it is under investigation with XXXX. On XX/XX/XXXX, I received a fresh alert that it had been reported to XXXX which I have since challenged. I thought this had been previously reported to the CFPB but when I checkeed for status, it does not send me login information.
On XX/XX/XXXX, I mailed a certified letter requesting debt validation. It is currently in route and is attached to this complaint.
|
| 11/14/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
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|
Web |
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Midwest recovery has violated all of the issues above. communication I have never heard of them let alone from them at all. they would not verify any debit at all beside from a loan in XXXX, continued to try and collect after a discharged bankruptcy claiming they didnt know, but they knew enough to falsely change the date form XXXX to XXXX to get it on my credit file.
I have never had any dealings with Midwest recovery syste ever no phone calls, no letters no nothing they have violated the consumer protection act and the collection laws they immediately place an account in collections without notifying me prior to this, they have not retrieved or verified the account they are trying to collect on. I called them at the number listed in a XXXX search at XXXX they told me it was from some loan company that i have never heard of they dropped my credit score by XXXX by placing an account with collections while I 'm in the process of trying to purchase a home, they told me it would take 30 days for removal so now i have to wait 30 days and allow my current creditors to see a negative impact to my credit score. They also told me it was from a loan dated XXXX and they listed with the credit bureau it was from XXXX so they could circumvent my bankruptcy on file that was discharged XXXX XXXX XXXX, so they have lied and purposefully cheated the collection laws to continue to collect on bogus debits
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| 12/18/2015 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
Servicemember |
|
Hi, I was checking my XXXX credit report tonight and noticed a collection account as shown as follows : MIDWEST RECOVERY SYSTEMS Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX Address Identification Number : XXXX Status : Collection account. {$1200.00} past due as of XXXX 2015.
Date Opened : XXXX Date of Status : XXXX Reported Since : XXXX Last Reported Date : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit : {$760.00} High Balance : N/A Recent Balance : {$1200.00} Recent Payment : {$0.00} I would like to claim wisleblower status as I believe that this collection agency and/or collection company is possiblity making up fake collections in order to defraud me and possibly other individuals unknown to me at this time. I state that I do not owe XXXX, nor have i ever taken out a payday loan with XXXX due to no need for XXXX at this time. The weird thing is the credit limit is XXXX dollars which is above a payday loan and the last time i cashed a check at XXXX was months ago for like around XXXX dollars, I have a great record with that company XXXX in XXXX, FL. In closing, it seems to be some sort of debt collection companies creating false accounts or something to like bill myself and possibly other U.S. Citizen/Nationals.
Respectfully, XXXX XXXX XXXX
|
| 11/18/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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ON the XXXX of XXXX I got alert from XXXX that a collection was added to my credit, when I checked the information it came from this collection agency MIDWEST RECOVERY SYSTEM LLC XXXX XXXX XXXX XXXX, MO XXXX.
XXXX Amount is {$610.00} I disputed the information on my XXXX report with a statement that the following never took place before the collection agency report the information on my credit A. I never receive any form of communication from the collection agency both mail and phone calls B. I was never given the XXXX grace to acknowledge or dispute the debt.
c. they did n't follow the protocol on debt collections D. I told them to remove it from my credit and go through normal process of collections, they tried to bully me by telling me when I pay they will remove it. which I refuse E. after my refusal, they decided to sent a notice through my email, immediately I dropped the call with them, dated XXXX XXXX specifying I have XXXX to dispute the debt. by sending the email today and dated XXXX XXXX I told them I have until XXXX of XXXX to respond after which if I fail to act they can then report it to credit bureau but they refused please kindly tell them to follow the due process and do the right thing, because they ca n't send me notice today the XXXX of XXXX when I challenged them, while they already report the information on my credit without the notification and XXXX response.
|
| 07/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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XX/XX/XXXX Midwest Recovery Systems contacted me saying I owed a bad debt of {$770.00}. This is not my account and I have never used XXXX XXXX XXXX from which this original debt is reported. Midwest Recovery contacted me on XX/XX/XXXX to collect a debt from XXXX XXXXXXXX XXXX with the date of XX/XX/XXXX for the last activity on the account. I have contacted XXXX XXXX XXXX on XX/XX/XXXX to find out what account number and name they have associated with this account. They reported that they did not keep records of accounts after it goes to a third party collection agency. The fact that this was not ever reported on my credit report until XX/XX/XXXX and the fact that neither Midwest Recovery nor XXXX XXXXXXXX XXXX can give me an account number or an original loan amount seems very suspicious. With no information sent to me to collect a debt, Midwest Recovery placed this bad debt on my credit report. I have also looked at my entire bank records during the time mentioned and have found no payments to XXXX XXXXXXXX XXXX. I have read other reviews on this same Midwest Recovery Systems company and they all have similar stories. At the same time, I am trying to get a mortgage and this has negatively affected my credit score. The company hopes you will just pay the debt and forget about it. This is a scam and more severe action must be done to punish this company for their illegal practice.
|
| 09/02/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
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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?
|
| 07/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This company has been attempting to collect a fraudulent debt for over 5 years. The fake debt was supposedly inccured in XX/XX/XXXX as a paday loan. The company was asked to provide proof of the debt when they first attempted to collect said debt. They refused and ceased to call for over 6 months. They were unable or unwilling to do so, and were informed I would file a complaint with the Texas AG. They stopped all phone calls. Two years ago, this " debt '' appeared as a negative notation on my credit report. I contacted XXXX, they reviewed it, and removed said debt from my report. It has recently shown back up on my credit report, stating the debt started in XX/XX/XXXX This company has been informed this is a junk / fraudulent debt, and upon informing them of this, they proceeded to curse at me. I have again put it to review with XXXX, however, this company will continue to attempt to perpetrate a fraud against myself unless legal action is taken. There are countless negative reviews of this company, countless accounts of them committing scams and fraud. When I last spoke to a representative, she swore at me. Especially when I explained the debt was junk and asked for any proof they would have of the debt in question. She flat out refused and informed me that she was not legally required to do so, though consumer affair law states that she is required to do so.
|
| 02/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I noticed a collection account on my credit report in the amount of {$1400.00} from Midwest Recovery. I had no idea where this debt came from and i never received any kind of communication from this this company in the mail regarding the debt. This specific amount was previously listed on my credit report under a different company. I sent an validation request to the other company. They were unable to validate the debt and it was removed from my report so I am assuming it was sold to Midwest. I sent Midwest a validation request by certified mail on XX/XX/XXXX. It was received by them. USPS Tracking number ( XXXX XXXX XXXX XXXX XXXX ). As of today, I have still not received validation of the debt and it continues to be reported on my credit report. Also, i received a credit alert yesterday from my credit monitoring service that my address had been changed to an address that I do not reside. I called the credit report agency in and was told that it was reported to them by Midwest Recovery. They were able to change my address to an inaccurate address but unable to provide me proper validation the debt in question. I was told that they could not remove the incorrect address because it was reported by a creditor. I have never done business with Midwest, not verbally or in a contract. They have violated the FCRA by continuing to report a nonvalidated account.
|
| 11/15/2016 |
No |
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Web |
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I have a derogatory report for Midwest Recovery Systems on my credit report. I contacted this agency and they informed me this collection is in regards to a pay day loan I have taken out XX/XX/2011. However, I have no knowledge of this payday loan of XXXX . I contacted this number for 5 days straight. XXXX/XXXX/XXXX a lady picked up phone saying " yes! '' then hung up, I called back immediately I was placed on a brief hold then spoke with a XXXX. The debt collector had the last XXXX of my social and email address which he told me they have sent me emails in regards to collection. This is false. I asked him if he had the account this " pay day loan was deposited into '' or the agreement signed or anything and he has nothing or the exact date of loan deposited so I can contact my bank. He did n't even have the contact information for XXXX for me to contact personally to investigate this fraud account. I would have remembered the {$800.00} I borrow which I never have and why would they contact me 5 years later if they had my address. He asked me how would I like to take care of this account. I refuse to pay for an account I have no knowledge of or proof. I disputed with XXXX. The agency and pay day loan is all over the internet as a scam. This collection is on my credit report and is FRAUDULENT. PLEASE HELP. It is on my credit report as collections.
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| 07/21/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Midwest Recovery Systems, LLC is collecting for XXXX XXXX XXXX.
o XXXX XXXX XXXX is not licensed by the Washington State Department of Financial Institutions as a small loan or payday lender. This entity is not registered to conduct business in Washington State by the Department of Revenue or the Secretary of State. Washington residents are advised that state law provides in RCW 31.45.105 ( 1 ) ( d ) and ( 3 ) that a small loan made by an unlicensed entity to a person physically located in Washington is uncollectible and unenforceable in Washington State.
o The current status of my account is not correct. The report shows that the date of first delinquency is XX/XX/XXXX, this is a flat-out fraudulent claim as any business that was conducted illegally by XXXX XXXX XXXX with me was prior to XXXX. Washington and Federal statutes of limitation apply. They will be unable to prove the date of the first delinquency with XXXX XXXX.
o Despite the fraudulent and illegal collection efforts described above, neither Midwest Recovery Systems nor XXXX XXXX has mailed a notice of debt collection, my balance due, their contact information or my right to dispute. Additionally, I have received multiple harassing robocalls identifying themselves as a debt collector requiring me to call another number. I have no option of consenting to the calls or opting out.
|
| 01/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
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I RECEIVE AN ALERT IN XX/XX/XXXX FROM THE CREDIT BUREAU 'S THAT THERE WAS SOME NEW ACTIVITY TO MY ACCOUNTS.I NOTICE THAT A NEW COLLECTION ACCOUNT FROM MIDWEST RECOVERY SYSTEMS, LLC FOR {$310.00} FOR XXXX XXXX XXXX WAS OPEN ON XX/XX/XXXX THE COMPANY REPORTED IT ON XX/XX/XXXX. I PLACED A CALL TO THE COMPANY ON XX/XX/XXXX AND WAS TRYING TO GET SOME INFORMATION ABOUT THIS ACCOUNT. INSTEAD THEY STARTED TO ASK ME QUESTIONS, SOCIAL NUMBER, ETC. I TOLD THEM I WAS NOT GIVING THEM ANY INFORMATION. IF THEY WAS ATTEMPTING TO COLLECT THIS DEBT THEY SHOULD HAVE ALL THE INFORMATION.I GOT NO INFORMATION. I DISPUTED THIS WITH THE 3 MAJOR CREDIT BUREAU 'S AND SENT MIDWEST RECOVERY SYSTEM I CERTIFIED LETTER REQUESTING THEM TO REMOVE THIS FROM MY CREDIT BECAUSE THEY FAIL TO FOLLOW THE GUIDELINES WHEN COLLECTING ON A DEBT. I NEVER HAVE HAD ANY COMMUNICATION FROM THEM PRIOR TO ME CONTACTING THEM.I WAS NOT AFFORDED THE OPPORTUNITY TO ASK FOR THE VALIDITY OF THE DEBT OR COLLECTION PRACTICE PRIOR TO PLACING THIS ON MY CREDIT. BY DOING THIS THEY HAVE CAUSE MY FINANCES AND CREDIT SCORES GREAT HARM. THEY SHOULD BE HELD ACCOUNTABLE FOR THIS.HAD I BEEN CONTACTED FROM THE BEGINNING ABOUT THIS DEBT I WOULD HAVE BEEN AFFORDED THE OPPORTUNITY TO DO MY DUE DILIGENT AND RESOLVE THIS MATTER WITHOUT IT GOING ON MY CREDIT REPORT. THEY GAVE NO ACCOUNT NUMBER FOR THIS COLLECTION.
|
| 06/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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Midwest Recovery Systems has reported an account for {$600.00} in collection to all 3 credit bureau. 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 ; 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
|
| 12/04/2016 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
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Midwest Recovery Systems reported a collection debt to my XXXX and XXXX credit file in XX/XX/XXXX for {$790.00}. I never received a 30 day disclosure of any collection activity. When I called them on XX/XX/XXXX after finding out this debt was placed on my credit file by XXXX XXXX, I could not reach a person and only heard advertisements for switching phone service, etc.
It appears that the debt was sold from another collection agency (? ) to Midwest Recovery Systems. Midwest Recovery Systems has violated federal law by not sending me a 30 day notice to validate the collection to my address on file with XXXX and XXXX. This caused my credit score to drop at least XXXX points and possibly up to XXXX points. I intend to seek full restitution and damages if this is not removed from my credit file immediately. I 'm almost positive the debt was originally incurred in XX/XX/XXXX/XX/XX/XXXX, which would make the debt 8-9 years old now which is well past the statute of limitations. This is an illegal practice of debt selling and manipulation that violates the FCRA. Furthermore it can not be reported beyond 7 years. If a collection company can report to a credit bureau then they can sure pull my current address to send me a letter regarding a debt. This item needs to be removed immediately from my credit file so my family can buy first house.
|
| 01/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
This company Midwest Recovery Systems keeps adding and deleting this account without contacting me or validation of this so called debt. I filed complaints about this company before with the CFPB and the inaccurate account was removed. The complaint numbers are XXXX & XXXX. This account was added in XXXX and disputed and was deleted in XXXX or XXXX of XXXX. I have NEVER done business with Midwest Recovery Systems. I dont have a signed contract nor any contract with Midwest Recovery Systems. I have a right to demand to see the contract between Midwest Recovery Systems and myself. Midwest Recovery Systems has listed this account multiple times with the credit bureaus. I want this INVALIDATED DEBT REMOVED FROM ALL CREDIT REPORTS. Midwest Recovery Systems is NOT LICENSED in the state of TENNESSEE. I would like this unfounded and unvalidated debt removed form my credit report. Per Tennessee Code TFDCPA 62-20-101 and 105 thru 127, Tenn Law emphatically states that " a collection service can not commence or conduct the business of collecting debts in TENNESSEE without being so licensed and bonded as well as maintaining a " location manager '' who in turn is required to be licensed and bonded. in the State of Tennessee. UNLICENSED ACTIVITY IN THE STATE OF TENNESSEE POTENTIALLY SUBJECTS THE DEBT COLLECTOR TO CIVIL AND CRIMINAL PROSECUTION.
|
| 03/08/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Midwest Recovery Systems has reported an account in collection to all 3 credit bureau. 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 ; 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.
|
| 04/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Midwest Recovery Systems has reported an account in collection to all 3 credit bureau. 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 ; 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.
|
| 10/19/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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To Whom it May Concern : After viewing a copy of my credit report I noticed three collection accounts placed on my credit report from you this in 2017 with the same account number # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. If any fees are owed and documentation is provided that info should have also been forwarded to XXXX and XXXX. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.
|
| 07/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
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.
|
| 02/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I signed up for a XXXX XXXX membership thinking it will be fun, and I and my family will have a great time. It was the worst experience ever, so, I sent an email with a complaint on how awful our experience was and asking if please I could cancel my membership as I would never be coming back. They apologized and told me my account was in good standing, so, they would go ahead and cancel my membership. ( I still have the email ) I was happy and never heard from them again.
Months later after all this, an account collection appears on my XXXX credit report from MidWest Recovery claiming to try and collect my debt from XXXX. To this point had no idea I was in collections, and I have never heard from MidWest before this. I went to dispute it with XXXX right away told them my membership was canceled or at least that is what XXXX told me, and that I had no idea why this collection account was being added to my report. The said they investigate, and just updated the amount of the debt. How can I still have a debt for a membership XXXX claimed to go ahead and cancel? Why have I never been contacted? Why I have not even received a letter in my mail to make me aware of this before putting something on my credit report?
Worst customer service on behalf of XXXX, and worst customer service on behalf of MidWest recovery.
|
| 11/15/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
To CFPB, My name is XXXX XXXX and I am following up on a complaint I requested about Midwest Recovery Systems ( MRS ), using fraud to put a collections account on my credit history. They do n't follow the FCRA law and the correct steps and procedures in the FCRA. They are saying this is from a pay day loan from XXXX in 2012. I have never applied or taken a payday loan in my life. I have also never been contacted by anyone regarding this account ever. I do not believe XXXX is even in business anymore. I want this immediately deleted off my credit report with all the XXXX major Credit Bureaus : It never should have been reported in the first place before having the chance to dispute it within the 30 legal days. I want proof of debt by providing the following : a ) proof of I.D provided at the time of account opening. b ) copy of signed contract ( not a signed application but signed contract ) c ) itemized statements of account activity.d ) itemized breakdown of how you came up with the balance owed. If this company should not resolve this in a timely manner, 30 days, I will pursue legal action as I take my credit very seriously. Only after immediate delete of the XXXX credit bureau and proof of valid debit I may be willing to discuss a resolution on this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
|
| 09/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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It HAS been thirty days, and I have received no proof of validation of this account. This goes against my rights under the FCRA. I have never had any contact with this business. I never received any documentation for the said debt from " XXXX XXXX ''. I am entitled to all documents in regards to this debt before it is reported. my rights were infringed and this needs to be removed as it is not validated and fraudulent. I will contact the state attorney if this is not removed! I asked for documentation XX/XX/XXXX and have not recieved anything as of XX/XX/XXXX. This company re reported to CRAs on XX/XX/XXXX YET DIDNT PROVIDE ME PROOF OF VALIDITY BEFORE IT WAS RE REPORTED! I do not owe this company, never had a signed contract with them. this is on my credit report in violation of 15 U.S.C. 1681. XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
PLEASE REMOVE TRADE FROM ALL CRAs ASAP!
|
| 10/25/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
On XXXX/17 I received an alert that a new collection was placed on my account. I called Midwest Recovery Systems. I informed them I never applied for a payday loan and I never received written notification of this debt from them. The customer service representative was rude and informed me that they did not have to give me written notification of anything. I have never done business with Midwest Recovery Systems. I do not have a signed contract with Midwest Recovery Systems. I have a right to demand that Midwest Recovery Systems furnish the signed contract between them and myself. This business did not give me written notice of the debt before placing it on my credit report with all three bureaus. Also this company is not licensed in the state of Tennessee. I would like this unfounded and unvalidated debt removed form my credit report. Per Tennessee Code TFDCPA 62-20-101 ( short title ) and 105 thru 127, Tenn Law emphatically states that " a collection service can not commence or conduct the business of collecting debts in Tenn without being so licensed and bonded as well as maintaining a " location manager '' who in turn is required to be licensed and bonded. in the State of Tennessee. UNLICENSED ACTIVITY IN THE STATE OF TENNESSEE POTENTIALLY SUBJECTS THE DEBT COLLECTOR TO CIVIL AND CRIMINAL PROSECUTION
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| 04/24/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This company accessed my credit profile on XXXX without my consent on XXXX.They also placed a 7 year old fraudulent debt on my credit report and put a date of XX/XX/XXXX for collection and account opening, which is illegal. This debt was done fraudulently and was removed 7 years and the service has been DEPLORABLE. I had filed a police report, XXXX complaint and FTC complaint and report as well during that time and again recently. This company has over 300 complaints about various unethical business practices which are not limited to reporting old information on the XXXX site itself.They have been no help in getting this matter resolved and it is absurd for be to jump through hoops to get this removed off my credit report. It was placed using a collection company with the account # XXXX. They have never contacted me sent ANY LETTERS nor anything else since XXXX! I'm certain whatever address they do have is wrong since this was done fraudulently in the first place ( They accessed personal information WITHOUT MY CONSENT XX/XX/XXXX VIA CREDIT REPORT ). I called yesterday ( XXXX XXXX ) and was placed on hold a total of 6 times, sent to the voicemail of someone named XXXX twice and met with rudeness from several agents.If this is NOT REMOVED AS REQUIRED BY LAW, I will indeed pursue legal action IMMEDIATELY.
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| 12/03/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am writing to you to complain about Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, MO XXXX. I have found adverse account information listed on my credit reports, XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX. I have no known or verified accounts with this business. I did not receive any debt validation correspondence from Midwest Recovery Systems before they unlawfully reported errnous account information. Midwest Recovery Systems continues to report to the three major credit bureaus in violation of federal law. This company unlawfully reported to XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXas recent as XX/XX/2019. Midwest Recovery Systems is continuing to damage my credit rating and has caused me denial of credit by reporting inaccurate information to the three major credit bureaus. The erroneous account is in the amount of {$1600.00}. The account is erroneous and not a result of any transaction that I have made. It is inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. This account has been blocked from my credit reports with all three major bureaus in the past due to identity theft. This is in violation of Federal Law and my rights as a consumer. Please contact me to let me know how to resolve this issue.
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| 05/18/2017 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am desperately looking for a rental property for my family because the owner sold our current residence and we have to be completely moved out by XXXX XXXX . Before I started sending application for rental properties I decided to print a copy of my Free Annual Credit Report on XXXX XXXX , XXXX . I was surprise to see that I have an account in " Collection Account. {$720.00} past due as of XXXX XXXX . '' I ca n't have this on my credit report! Every Renta l Property Management and Own er of a rental properties pulls that report. I called the company and talk to a couple of representatives. I was advice to make a police report and send them a copy. I did that but my family and I still have n't found a place to live. I was told that the account was opened thru the internet as a loan and the money was deposited directly to my account on XXXX XXXX , XXXX with my old address that was foreclosed on XXXX XXXX , XXXX . I guess, I was not able to pick-up all my personal information. One more thing, I filed chapter XXXX that was discharged XXXX XXXX . How come this account did not show up when I filed for bankruptcy. The company said that they are going to look into it and that they will call me in a couple of weeks. I really need that account to be deleted. Can someone help me?
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| 07/12/2018 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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I received an alert regarding a new collection on my credit report yesterday. I looked and it was for Midwest Recovery Systems. I called XXXX and XXXX right away and filed a dispute. I called Midwest and they tried to tell me it was from XXXX/XXXX XXXX from XX/XX/XXXX and I was paying on it from XX/XX/XXXX-XX/XX/XXXX from my bank account and my bank verified this. I have called my bank and there is no record of a loan from XXXX. Back in XX/XX/XXXX I had to dispute two accts from Midwest for two payday loans for {$1000.00} each. Now this one is saying its a payday loan in the amount of {$1000.00}. I find the amount from the same place very close and fishy. The two accts were found out to be frauds when i reported them to you and to my credit reports. This is getting ridiculous how they can just fall on your credit report when they are scams. Im trying to rebuild my credit and they keep knocking me down. I have XXXX Midwest REcovery systems and they are known for doing this to people. The lady from Midwest hung up on me last night when i told her this was a scam. They have not tried to contact me via phone or mail regarding this debt. It just showed up on my credit report. I want this removed from my credit report. There needs to be some sort of block for these companies.
thank you XXXX XXXX
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| 03/04/2020 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/2020 My spouse reached out on my behalf to gather more information about a debt that had appeared on my credit reports. She asked for a debt validation letter to be emailed to me and also for a reduced amount on the original balance being owed. The letter received was not a debt validation letter. Only a pre-filled letter that stated that Midwest Recovery was collecting on the debt and the amount.
XX/XX/2020 A letter was issued on my behalf requesting a proper debt validation letter for the medical bill Midwest Recovery was collecting on. Asking for more detailed information to support their claim I owed the debt. I also reported the information on the credit report asking the credit reporting agencies to prove the information was accurate.
XX/XX/2020 Another call was placed asking about the debt. A conversation with Mrs. XXXX took place notifying me how it was past the 30 days on the information being requested and that she'd reach out to Mrs. XXXX, the supervisor and the one the request for reduced payment was made with.
Original Debt Validation Letter was issued the XX/XX/2020 and has gone unanswered and unable to provide proof the debt is valid. Requesting the collection to be closed and removed from my credit reports.
Attached is the letters exchanged between the parties.
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| 02/08/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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The complaint Dept Consumer Financial Protection Bureau My complaint is regarding two companies known as XXXX XXXX and Midwest Recovery, their contact information is listed below. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XXXX of XXXX. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same account on my XXXX credit file. This is not my account and i want it removed from my XXXX files permanently.
Account Info Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$870.00} {$600.00} Payment Info Original loan amount {$600.00} Balance {$870.00} Updated on XX/XX/2019 Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MOXXXX ( XXXX ) XXXX IDENTITY THEFT COMPLAINT XX/XX/XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
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| 11/23/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I recently received notice of a new collection account on my credit report. Midwest Recovery Systems XXXX failed to notify me BEFORE placing this alleged debt onto my credit report which is a FRCA violation, punishable up to a {$1000.00} fine. This is not okay. I received no communication from this company by phone, email or US mail. I have the right to dispute debts and must be notified before anything can be reported to the credit bureaus. I have filed a dispute with the credit bureaus about this company. I do not have any knowledge of this account. This account was reported to all 3 credit bureaus drastically and negatively affecting my credit. I did not receive anything notifying me of this debt nor did I have the opportunity to challenge the debt. All communication regarding this matter is to be through this portal. Midwest Recovery does not have permission contact me by e-mail, phone, or US Mail. After further investigation it appears this has become a standard practice for this company ( per complaints filed with the XXXX ). The apparently have been no repercussions for these practices as they are yet ongoing. This is causing a hardship for me as I'm in the middle of a job change and relocation. Something needs to be done about this ... how can they continually violate the law?
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| 11/15/2016 |
No |
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- Received a loan I didn't apply for
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Web |
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while checking credit report I noticed a COLLECTION account from Midwest Recovery when I called them they said I had a PAYDAY loan in XXXX Original creditor Current Creditor : XXXX, now its under XXXX ALL SCAM FOLKS,, First never had XXXX from any of these folks, Second, its over XXXX XXXX XXXX XXXX of limitations,, third If I did which I did not,, No Calls, No Mails, no nothing! if I was that late! Fourth the only way I found out was when I saw XXXX on my Credit report as a account in collections on XXXX and was forced to call these folks,, I claimed fraud not mine etc now I have to go get a police report on ID THEFT and fax it to XXXX so I can get this off my report! Oh they will send the report to the so called creditors that I never dealt with to fix this discrepancy,, DOESNT XXXX check this so called creditors? these XXXX creditors are blasted by every state agency and XXXX as Scam folks,, How do they get away with contacting XXXX and say yea 5 years ago this was a loan we gave him,, go get the money,,, XXXX cant even tell me the loan amount original, ( BECAUSE THEIR ISNT ANY!!! ) THEN XXXX PUTS IN ON MY REPORT and DROPS ME XXXX points!! WHY COULDNT XXXX call me first or said mail to the house PRIOR TO the Credit report,, is this the tactic they use to get folks to contact them???
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| 07/06/2017 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Midwest Recovery Systems is practicing illegally in North Carolina. I have submitted a compliant with NC Department of Insurance as well as the NC Attorney General 's office because for some time I have been fighting the Credit Bureau about Midwest Recovery Systems BOGUS and FRADULENT based account on my credit report. I have sent several messages to XXXX, XXXX and XXXX about the fraudulent PAYDAY LOAN Account ( per the credit report the company is a PAYDAY LOAN Company ). After much research and back and forth with the bureaus, I found that Midwest Recovery is not even licensed as a Collection Agency in North Carolina and they have placed this FRADULENT account on my credit report since 1st Quarter of this year. Midwest is saying I had a payday loan from a company XXXX XXXX XXXX that is not even in business when I researched the company for information. ( XXXX XXXX XXXX XXXX The attachments will show you they are not licensed here in North Carolina, it will also show you the company they claim I owe is not in business. I have also included the link below that I am not the only one they are doing this too. The credit Bureau keep saying verified for FRADULENT information. Please not only investigate them but stop them from doing this to others in our state but other states.
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| 05/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
Servicemember |
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Midwest recovery systems has placed a collection account on my XXXX and XXXX credit reports as of XX/XX/XXXX. The account was listed on the credit bureaus lacking sufficient information, which only shows a balance and lacks an account number, the type of debt or an origination date other than the date of collection ofXX/XX/XXXX. The debt does not belong to me. Midwest recovery systems not provided me with proof showing the debt belongs to me which would include a contract showing signatures or proof that any monies have been provided to me. They have only begun attempts to contact me. I have received calls XX/XX/XXXX at XXXX and XX/XX/XXXX XXXX. The attempts to contact me have been outside of legal times to make contact. I am currently in the process of purchasing a home and the company has caused my XXXX credit score to drop 78 points from XXXX to XXXX, and my XXXX score to drop 69 points from XXXX to XXXX. The incorrect reporting has caused me to no longer be eligible for home financing programs and the loss of a down payment grant on a new home. I will begin taking legal action against Midwest recovery systems by seeking damages for the losses that I have experienced in regards to the collection placed on my credit files unless these items are removed from each credit file.
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| 04/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Received a loan you didn't apply for
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Web |
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I received an email from XXXX XXXX stating there was a change to my account on XXXX.
Upon further investigation through the app I discovered a false claim that I had withdrawn a payday loan on XX/XX/2020 in the amount of {$1100.00} from XXXX XXXX. ( This is how XXXX XXXX has it listed ) Outside of the TV commercials, I can only assume that it is XXXX XXXX. ( it has some weird guy in a cape offering money in the commercial. ) I do not take out payday loans. Even during this covid-19 crisis I have no need to get a payday loan.
I will also point out that my credit score was in the mid 700 's but this hit knocked me down to the mid 600 's.
I assure you that a credit score in the high 700 's does not come from having debt.
I tried to contact the creditor accusing me of this debit ; Midwest Recovery Systems but this seems to be a fraudulent company.
When I call, they claim to have high call volumes and put me on hold. There is no music and then after two and a half minutes they ask that I leave a message. I have tried this multiple times with the exact same result.
I left a message only stating my name and phone number with no other details. This company has not returned my calls and I am not comfortable using their email contact as they are asking for personal information.
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| 07/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Midwest recovery continues to place delinquent collection accounts on my credit report. Every few months a new collection account appears. I never receive any mail correspondence and I have never gotten a phone call from Midwest. They just add collection accounts and every few months I have to dispute to get them removed. It lowers my credit score each time but it never goes back up. Im begging for assistance with this again today. Im unable to understand how this keeps happening. Also the date opened on the collection account is dated for XX/XX/2020 when I know I have not opened any new accounts. If this account exists I cant even get an accurate year because they report it to the credit bureau as new each time. This is fraudulent and unfair because even after removing these accounts my credit never recovers to the score it was prior. This year alone I have dropped by 22 points with this newest collection and in XXXX when this happened I dropped 22 points. Thats 44 points in 4 months, even though the XXXX collection attempt was removed. I cant get ahead because Midwest recovery keeps doing this to me. Please assist Im very frustrated that in the midst of this pandemic, myself a nurse is fighting to stop fraudulent credit reporting tactics by Midwest Recovery once again.
|
| 06/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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A company by the name of Midwest Recovery System has reported I owe {$550.00} from a Credit Card with XXXX XXXX XXXX I had 2-3 years ago. I paid this account off with a settlement payment with the creditor.
Within the last 45 days, I received a letter from a collection agency stating I owe a balance of {$550.00} to XXXX XXXX XXXX.
I explained to this collection agency that I paid this balance. The rep stated he was contacting the company that was handling my account. I also requested a copy of my bill and someone to contact me regarding this bill.
Since my last time talking with the collection agency 45 days ago, I haven't back from anyone since through mail or phone.
Today a collection account appears on my credit file even though I have requested this account be reviewed and I be sent supportive documentation regarding this balance.
This collection agency has violated the Fair Debt Collection Practices Act by not providing me with my requested documentation to prove this debt is indeed owed. They just applied to my credit file as a collection to show negative activity rather working with me to correct this debt myself.
I haven't heard anything from the original creditor or any other agency for 2-3 years and now all of a sudden I owe money. I need proof!!!
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| 01/03/2017 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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My credit monitoring subscription notified me that Midwest Recovery Systems had posted collection accounts on my XXXX and XXXX credit bureaus dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
I have never received notice of this debt from Midwest Recovery Systems nor have I been given the opportunity to dispute this debt before they reported it to the credit bureaus. I had to look up the company on the internet to find their contact information.
I contacted them on XX/XX/XXXX at XXXX and spoke with a XXXX He informed me that on XX/XX/XXXX, I had taken a loan from a company called XXXX in the amount of {$1400.00} and that that sum was deposited into my bank account. He told me the current sum due is now {$1700.00}. I asked for an account number to which they gave me XXXX.
I have never heard of XXXX. Looking at my bank statement from XX/XX/XXXX, there are no deposits from anything unfamiliar nor are any of them for the amount of {$1400.00}. I have searched my bank statements from XX/XX/XXXX through current date and there have not been any deposits to my bank account in the amount of {$1400.00}.
Midwest Recovery Systems is also not registered to collect with the state in which I currently live nor are they registered with the state in which I previously lived.
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| 11/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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I received notice in an email from XXXX XXXX on XX/XX/XXXX that there was a change to my credit report. The email stated that there was a collection account added from Midwest Recovery Systems LLC. The account balance is listed as {$170.00} and the original creditor is listed as XXXX XXXX XXXX.
I was very surprised to see this as I had never heard of Midwest Recovery Systems, nor had Midwest Recovery Systems contacted me via mail, email or phone. If this is a valid debt I should have been contacted and provided more information.
I am not aware of owning any medical debt. I did not contact the creditor as I know that contact can start a clock for the creditor and keep items on a credit report longer.
I did dispute the debt with XXXX and clearly stated in the complaint that I was not provided with any notice or contact from Midwest Recovery Systems. XXXX concluded my dispute on XX/XX/19 and did not remove the item.
I believe it is important to note the large volume of complaints to the XXXX for Midwest Recovery Systems. In fact, the XXXX has revoked the company 's status due to its failure to adhere to XXXX policies.
My rights have clearly been violated and I hereby submit this official complaint and request that the appropriate action is taken.
|
| 02/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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Hello, Im XXXX XXXX. Im Trying To Cleanup My Reports. Ive Got Some Complaints About XXXX XXXX XXXX Texas XXXX XX/XX/XXXX Inquiry. Myself & My Wife Got A Letter From Our Bank. XXXX XXXX Stating Were Approved For A Vehicle. We Was Told Our Letter From XXXX XXXX Was A Gimmick. We Suffered For Months With The False Info XXXX XXXX Gave Us. Our Credit Has Been Damaged.
Ive No Knowledge Of Myself Applying For Anything At XXXX XXXX XX/XX/XXXX.
My Credit Was Hit 4 Times On XX/XX/XXXX The Following : 1 XXXX XXXX 2 XXXX XXXX XXXX XXXX 4 XXXX XXXX XXXX I Did Not Give Anyone Permission To Ask For Anything From These Companies.
I Have No Knowledge of 3 XXXX On XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX.
I Had Some Health Issues : Both XXXX Had XXXX For 30 Days Right After Id Moved In & I Had A XXXX XXXX With XXXX XXXX.
These Health Companies Reported Me To You When I Got Kicked Out Of My Apartment and When I Was Hurt.
1 Midwest Recovery Systems XXXX XXXX {$1500.00} 2 XXXX XXXX {$190.00} 3 XXXX XXXX {$610.00} 4 XXXX XXXX {$1100.00} 5 {$72.00} 6 XXXX XXXX {$1400.00} 7 XXXX XXXX {$2200.00} Ive No Knowledge Of Amp Security XX/XX/XXXX.
Ive No Knowledge Of Owing XXXX XXXX XXXX {$1800.00}. I Did Have Service With Them. My Bill Was {$500.00}, Not {$1800.00} Thank You
|
| 04/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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This is my 2nd time reaching out to XXXX XXXX XXXX XXXX XXXX XXXX ( the address attached to the company is Midwest Recovery Systems ) in reference to them incorrectly reporting a debt that is not mine. XXXX XXXX XXXX XXXX XXXX XXXX ( Midwest Recovery Systems is reporting a fraudulent collection account on my XXXX report and it is effecting my negatively and it needs to be removed ASAP. I have requested that they provide me with information that they have that connects me with this debt and they have ignored me. I am requesting that XXXX XXXX XXXX XXXX XXXX XXXX ( Midwest Recover Systems ) properly and legally VALIDATE this debt and show proof that it is my debt. I am requesting the following information : Please provide me with the following : What the money you say I owe is for : Please provide a copy of the signed contract Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service
|
| 06/04/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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On or about XXXX XXXX Midwest Recovery Systems placed an item for collection for {$780.00} on my credit report stating it was opened XXXX XXXX. On XXXX XXXX I mailed a certified letter to request validation that was received and signed for by them on XXXX XXXX and I have not received any response from my request to validate as of yet. This company also attempted to collect this same debt in XX/XX/2018and a letter of validation was sent at that time as well and their was not any response at that time as well it was just removed from my credit report until recently being placed back on their. I am asking for the company to validate that the debt is not past the statue of limitations, the amount owed, the original opening date. I have not had any form of communication with the company and I have not received any letters giving me the opportunity to dispute the item which is my right. I would like for them to remove this inaccurate information from my credit report immediately and cease reporting inaccurate information to the credit bureaus. They have also placed a remark on my credit report that I have disputed the account which I have not been given the chance to do so because I have not received a response to my request for validation from either attempts.
|
| 06/01/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I was checking my credit report and noticed a " new '' collection account had been added that adversely affected my score. The collection Company listed is Midwest Recovery. Listing XXXX XXXX XXXX ( there are no locations in Colorado ) as th e original debtor. First red flag. I proceeded to call them and find out what is was they could not find any collection under my name. They asked of I used another name and I gave that to them. They found the account. They proceeded to tell me that the account was from XXXX XXXX . Second red flag. I have not used my previous name since late XXXX . Which means this collection is older then XXXX and was most likely part of my bankruptcy filed and discharged under my former name in XXXX . I am looking to have these collections " fully removed '' from my credit reports not just closed. I have also found out th at Midwest Recovery is not licensed to do business in Colorado and believe they either bought this debt without checking the pap erwork or are trying to resurrect it. Please advise. I have filed a complaint with the Attorney General 's Office here in Colorado and they are investigating. When I advised the person at Midwest I was going to file a complaint with the Attorney General they hung up.
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| 12/04/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
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Web |
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my mother, ex uncle in law, and my father in law all received calls from " unknown caller '' they don't say who they are with. They say this message is intended for XXXX XXXX ( I have not been XXXX in 7 years ) they also give an address that I have not lived at for over 3 years. My current address is not hidden. I finally got a voicemail from them today. Number left was XXXX, reference # XXXX. I called the number, was not answered with a name of the company, only a persons name. Transferred to a supervisor who was extremely rude. Telling me it is my fault for not letting XXXX XXXX know I moved 3 years ago. My number has never changed & have not been contacted by them. Nor did I ever receive mail from them, even being forwarded to my new address. I called Midwest Recovery who is on my credit as the collection agency for XXXX XXXX. Talked to a very helpful man who told me that they no longer had the account but that if a company was threatening to serve me with a law suit over a debt and they weren't on my credit that it seems really sketchy. This account was opened in XX/XX/2011. I would have no problems with a settlement amount, however I won't be threatened by a company trying to serve me a law suit for something that I was never notified about.
|
| 12/04/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
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Web |
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my mother, ex uncle in law, and my father in law all received calls from " unknown caller '' they don't say who they are with. They say this message is intended for XXXX XXXX ( I have not been XXXX in 7 years ) they also give an address that I have not lived at for over 3 years. My current address is not hidden. I finally got a voicemail from them today. Number left was XXXX, reference # XXXX. I called the number, was not answered with a name of the company, only a persons name. Transferred to a supervisor who was extremely rude. Telling me it is my fault for not letting XXXX XXXX know I moved 3 years ago. My number has never changed & have not been contacted by them. Nor did I ever receive mail from them, even being forwarded to my new address. I called Midwest Recovery who is on my credit as the collection agency for XXXX XXXX. Talked to a very helpful man who told me that they no longer had the account but that if a company was threatening to serve me with a law suit over a debt and they weren't on my credit that it seems really sketchy. This account was opened in XX/XX/2011. I would have no problems with a settlement amount, however I won't be threatened by a company trying to serve me a law suit for something that I was never notified about.
|
| 07/14/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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On XX/XX/XXXX, I received an alert on my credit report of a collection from Midwest Recovery Systems and an alert of an additional address that is out of state ( also added by this collection agency ). The collection was opened 2 months ago and the original creditor is said to be XXXX XXXX XXXX with the amount owed being {$610.00}. I immediately called Midwest Recovery Systems and in speaking with an associate, I was told that the account with XXXX XXXX XXXX was opened XX/XX/XXXX with a payment being made to/from some bank account that I had never owned. There are several things wrong with this situation : First, Midwest reports a collection to my account for a payday loan without any prior notification. Second, an address that I have never lived at ( in another state ) is being reported to XXXX by this company. Third, payday loans are illegal in the state of Georgia and I have never resided anywhere else! Fourth, the I have never banked at the institution named by the associate I spoke with on the phone. Since I am currently involved bankruptcy and have had identity theft issues in the past, I was told my only recourse would be to file a police report ( for fraud/identity theft ) and then fax it to them ( XXXX ) so that they could investigate.
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| 02/08/2018 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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ON XX/XX/XXXX I RECEIVED AN ALERT FROM XXXX XXXX STATING THAT I HAD A $XXXX BALANCE ADDED TO MY CREDIT REPORT FROM A XXXX XXXX XXXX BYWAY OF MIDWEST RECOVERY SERVICES XXXX. I CALLED IN XX/XX/XXXX TO GET MORE INFORMATION ABOUT THIS DEBT THE GENTLEMAN I SPOKE WITH ASKED ME A FEW QUESTIONS THAT I COULD NOT ANSWER ABOUT THE PLACE THAT I HAVE NO KNOWLEDGE OF. I ASKED HIM TO SEND ME THE INFORMATION ABOUT THE DEBT THAT WAS TURNED OVER TO THEM AND THAT WHOEVER THE ORIGINAL DEBTOR WAS, NEEDED TO SEND ME INFORMATION ABOUT THIS DEBT. SINCE THIS IS MY FIRST KNOWLEDGE OF THIS.I GAVE HIM MY MAILING ADDRESS OF XXXX XXXX XXXX XXXX XXXX FL XXXX. THE GENTLEMAN SAID THAT HE WILL BE SENDING VERIFICATION TO MY MAILING ADDRESS AND TO HAVE A GREAT DAY. IT HAS BEEN 3 FULL MONTHS AND I HAVE NOT RECEIVED ANYTHING FROM THE ORIGINAL DEBTOR NOR CREDIT BUREAU ABOUT ANY INFORMATION ABOUT SO CALLED DEBT. THIS NEEDS TO BE REMOVED FROM MY CREDIT REPORT ASAP. THIS IS NOT FAIR THAT ANY COMPANY CAN JUST PUT ANYTHING TO YOUR REPORT WITHOUT EVEN KNOWING IF THIS IS YOU OR NOT. I HAVE NOT RECEIVED NOT EVEN ONE CORRESPONDENCE FROM THIS COMPANY NOR THIS CREDIT BUREAU. $XXXX FROM MIDWEST RECOVERY SYSTEMS LLC NEEDS TO BE REMOVED FROM MY CRESDIT REPORT WITHIN 30 DAYS AS OF XX/XX/XXXX.
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| 09/18/2015 |
No |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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Midwest Recovery Systems reported a collection debt to my XXXX Credit file on XX/XX/XXXX for {$300.00} medical bill. I never received a 30 day disclosure of any collection activity. When I called them on XX/XX/XXXX after finding out this debt was placed on my credit file by XXXX monitoring service, I was told this was a medical office debt with XXXX XXXX for XX/XX/XXXX and that the debt was sold from another collection agency ( XXXX or XXXX? ) to Midwest Recovery Systems. Midwest Recovery Systems has violated federal law by not sending me a 30 day notice to validate the collection to my address on file with XXXX. This caused my credit score to drop XXXX points and I intend seeking full restitution and damages if this is not removed from my credit file immediately. If the debt was originally occurred XX/XX/XXXX then it would make the debt 6 1/2 years ( six and half years ) old now which I knew nothing about. This is an illegal practice of debt selling and manipulation that violates the FCRA. Furthermore it can not be reported beyond 7 years. If a collection company can report to a credit bureau then they sure can pull my current address to send me a letter regarding a debt. This item needs to be removed immediately from my credit file.
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| 03/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I received notification that there is a collection reported on my credit reports for a debt that is not mine.I disputed this as not my debt and requested debt validation and received none. On XX/XX/XXXX there was a debt from creditor listed as cashnetusa for XXXX ( upon researching this company it is an online loan company that deposits to your checking account which I did not even have a checking account ) then again this year on XX/XX/XXXX it is reported this time with a different creditor being listed as XXXX XXXX XXXX for the same amount of XXXX of which this company is not even in my state of Virginia this was reported both times by Midwest Recovery Systems and is fraudulent. I have never been contacted by Midwest Recovery, it was removed last year in XX/XX/XXXX placed again this year on my report but stating a different creditor. I did not have a checking account to have anything deposited to from XXXX and XXXX XXXX XXXX is not even in my state. This is fraud and I request it be removed from my credit report ASAP. Midwest Recovery Systems has been suspended from being accredited from the BBB even though on their website they say they are. with so many complaints similar to mine this looks like another scam by Midwest Recovery.
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| 11/01/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I left for basic training with the XXXX in XX/XX/2018, and during that time I was hit with a collection that was not mine. It stated that I had went to a medical office XX/XX/2018. And since then I have been hit 6 times with this creditor and there would have been no way I could have even went to this office because I was in basic training and couldnt leave. I have been able to take 4 off but there are still 2 on my account. Which is killing my credit score. I try contacting the office but it doesnt take me anywhere. Im only XXXX years old and I dont know what to do. Or how to get it to stop hitting my accounts. Please help me if you can, I dont want it to continue to ruin my credit. ( XXXX ) XXXX is the number to the office but when I try to call it doesnt work. Theyre called Midwest recovery system and I cant even find a real website on them. They first hit my account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, two on XX/XX/XXXX and the last one hit XX/XX/XXXX. Please help. I dont know what else to do other than trying to dispute but no one has been able to help keep them off permentaly. Every time I check my XXXX XXXX score it goes down in huge amounts because of this creditor. And Ive tried contacting XXXX and XXXX but nothing works.
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| 01/02/2018 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I receive an credit alert from XXXX XXXX by email on XX/XX/XXXX noting that there is a new collection account on my credit report. I noticed that a debt buyer collection company added it my credit report stating that I owe a payday loan company by the name of XXXX XXXX XXXX. I do n't owe them anything. I paid off all my debtors that I knew about but one company, XXXX XXXX XXXX that is still on my credit report. I do acknowledge owing them. This collection account, however, was not on there. It was just added on XX/XX/XXXX. I 've been checking my credit report regularly throughout XX/XX/XXXX ; even disputing items and getting them removed. Midwest Recovery Systems is no stranger! One of their debt items was removed from my report. They bought out one of my accounts and it was paid as agreed. Then a month later, they added another collection to my account for the same debt that was paid. I contacted the credit bureau and they removed it and ordered Midwest to send me a letter noting that they removed it from their account too. In other words, they tried to get me to pay off the same debt twice! If I was n't checking my credit report, I would have had an extra collection account on it which would have affected my credit worthiness.
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| 03/23/2017 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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This is my second request for " validation of debt '' in regards to this account. Why am I having to send a SECOND REQUEST? If you are confident enough in the accuracy of this account 's content to report it to the credit reporting agencies, why are you unable to honor my request in a timely manner? This is a simple request of validation that should be easily provided and not a refusal to pay. Would you just pay anybody just because they said you owed them?
I work too hard for my money to just hand it away without sufficient proof that I am the correct debtor and am being billed the correct amount. The fact that it is taking so long for you to validate, makes me think that you are stalling due to not having proper documentation. I am formally and once again requesting a validation of the aforementioned debt.
I would like to see : Copies of any signed documentation obligating me to pay this alleged debt.
The name, address, and phone # of the original creditor, since you are a third party collection agency.
Proof that you are authorized to collect this debt on behalf of the original creditor.
A detailed history of ALL transactions on this account including but not limited to all payments, refunds, interest, fees, etc.
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| 01/25/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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THIS COMPANY NEVER CONTACTED ME!!!! During my weekly credit score check, I noted my credit score dropped 67 points. Midwest Recovery Systems placed collection/negative account on my credit report. I've never heard of Midwest Recovery Systems. This same debt was attempted to be collected from XXXX XXXX and XXXX XXXX who ceased attempt to collect after being sent debt validation letter. I never received any call or letter from Midwest Recovery Systems. When I called, they stated they did not have any documentation to validate this debt. Stated they would reach out to original company for documentation and mail them to me once they receive them. So they violated FDCPA and have not verified this debt. I am simply named as the responsible party I was told. Representative at Midwest Recovery Systems stated this was for a visit to ER on XX/XX/XXXX. The last time I received services from a hospital was in XXXX. I was not at this facility on XX/XX/XXXX. I was at work. If I did need treatment, the facility they say I owe would be the last place I would go. I need this removed from my credit report ASAP. I have been working to repair my credit for the last five years and it was very good until this was reported without validation.
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| 09/12/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I noticed on my credit report that I had an account go into collections on XX/XX/XXXX. It is from service received for an emergency room visit on XX/XX/XXXX in the amount of {$550.00} & I have not been notified of this debt to this day. I do not remember going to the ER during this time. No phone calls were made to me or any forms of communication except reporting it on my credit report. I have had a new residence since XX/XX/XXXX which has been properly reported to the state & local post office. Now it is on my credit report showing as a negative & derogatory account in collections. I am the one who reached out to Midwest Recovery Systems when i noticed it on my report today XX/XX/XXXX to resolve & asked politely for them to remove it from my history because to my knowledge it is past the statue of limitations of when they can try to actively pursue this debt & they refused, the response was they have 7 years. It took Midwest Recovery Systems - 6yrs. 1mo. to report this debt & i believe it is inaccurate & past the statue of limitations of which they are allowed to handle & pursue this debt. I also do not believe this debt is mine to owe regardless & they could not provide any paperwork, only the date of service.
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| 02/23/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. on XX/XX/2018, I submitted a complaint to the CFPB asking MIDWEST RECOVERY SYSTEMS to VALIDATE a debt that they alleged I owed. At that time I respectfully requested that MIDWEST RECOVERY SYSTEMS provide me with competent evidence that I have any legal obligation to pay them seeing as I had never heard of them, had no written contract with them and had never received any benefits from them, yet MIDWEST RECOVERY SYSTEMS had submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX ) against my name and social security number and was demanding payment from me in the amount of {$410.00}. They responded to my complaint but made it very clear that I did not have any financial obligation to them in their response that stated " Additionally, a validation request has been submitted to our client. Once they have provided the requested documentation, it will be forwarded to you at the address provided in this complaint. '' I did not request for validation from their " client. '' I requested that MIDWEST RECOVERY SYSTEMS provide me with competent evidence that I have any legal obligation to pay them ( MIDWEST RECOVERY SYSTEMS ).
|
| 09/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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I received notification on my XXXX, XXXX, and XXXX report that a Midwest Recovery System or Midwest Recovery System, LLC had reported a collection on me in the amount of {$500.00}. I sent a certified letter asking for proof of the debt on XXXX XX/XX/2019. I sent it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. It was forwarded to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. It was marked return to sender XXXX XX/XX/2019. Since this time, the address and contact information on my credit report has either been changed or deleted. I called when the letter returned to my mailbox and asked that they provide a proper address for me to communicate with them. The person on the phone only tried to get my personal information. ( account numbers, email address, last four of my ssn, where I work, etc ) I did not use this company which they report on two credit reports as XXXX and on the other as 12 XXXX. I feel this is fraud. It has caused my credit score to drop significantly, and this appeared only after I had started doing so well with cleaning up my report. The letter that I was sending merely asked them to provide me proof of the debt so that I could make a sound decision on what steps to take next.
|
| 11/27/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Mid West Recovery Systems has attempted to collect a debt which should have been paid by my former employer 's worker 's compensation insurance company- XXXX XXXX XXXX XXXX XXXX XXXX . The company which Mid West Recovery Systems is representing, XXXX XXXX, has been provided with the proper Worker 's compensation Insurance information. They should not continue to report the information to the credit reporting agencies. They are currently in the process of recovering the debt.
The debt in question was a result of workplace injury- a workman 's compensation claim. My former employer 's insurance company should have paid for the debt. They claim they never received a bill from XXXX XXXX. XXXX XXXX has since sought payment through XXXX XXXX XXXX XXXX XXXX. Prior to damaging my credit, XXXX XXXX never attempted to contact me, or my former employer before reporting the debt to the credit reporting agencies.
My credit score has decreased by 50 points since the collections account was reported. I believe it is unfair that my credit should be damaged simply because large corporations cant communicate more effectively. I was also never notified of the outstanding debt prior to it going to the debt collector.
|
| 11/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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To Whom It May Concern : I received an alert about an account being reported by Midwest Recovery. Please be advised I have requested validation { not verification } of an item reported to XXXX, XXXX and XXXX by Midwest Recovery. I have received a response that clearly violates my rights according to the HIPAA Act of 1996 AND I never received notice how to dispute the debt. Additionally, Midwest Recovery did NOT provide me a HIPPA release for my medical information, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against Midwest Recovery should this item not be deleted within the required time allowed by law. Midwest Recovery is in direct violation of HIPAA regulations, and they are facing fines up to {$10000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a removal of the reported information expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
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| 05/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX I filed complaint XXXX against Midwest Recovery Systems. I have also file a complaint against them with the AG of Texas and Missouri. In addition, I filed a complaint against XXXX XXXX with the CFPB and a complaint against XXXX XXXXXXXX XXXX XXXX with the XXXX and AG of NY since those were the parties mentioned in the response to my complaint dated XX/XX/XXXX.
Since my complaint with CFPB dated XX/XX/XXXX, I have received couple voicemails from MRS XXXX XXXX and XX/XX/XXXX regarding the alleged fraudulent debt, a clear violation of the FDCPA. While this account is in the validation phase, it is my understanding that all attempts to collect on this alleged debt via phone calls and contact from MRS would stop until they can provide me with a contractual agreement SIGNED by me on XX/XX/XXXX that binds me to the alleged debt. Apart from the phone, I have also received communication from an XXXX XXXX of MRS and an update of my XXXX credit file on XX/XX/XXXX that caused my credit score to drop 66 point.
It is my intend to also forward all of my correspondence regarding this matter to the FTC with the hope that MRS get sued for violation of federal Fair Debt Collection Practices Act.
|
| 08/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor and my sign hippa release form. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
|
| 12/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
|
I submitted written notification to Midwest Recovery Systems on XXXX/XXXX/XXXX asking them to validate this debt. Today is XXXX/XXXX/XXXX it has been 48 days and I have not received anything validating this debt. I have NEVER done business with Midwest Recovery Systems. I dont have a signed contract nor any contract with Midwest Recovery Systems. I have a right to demand to see the contract between Midwest Recovery Systems and myself. Midwest Recovery Systems has listed this account multiple times with the credit bureaus. I want this INVALIDATED DEBT REMOVED FROM ALL CREDIT REPORTS. Midwest Recovery Systems is NOT LICENSED in the state of TENNESSEE. I would like this unfounded and unvalidated debt removed form my credit report. Per Tennessee Code TFDCPA 62-20-101 and 105 thru 127, Tenn Law emphatically states that " a collection service can not commence or conduct the business of collecting debts in TENNESSEE without being so licensed and bonded as well as maintaining a " location manager '' who in turn is required to be licensed and bonded. in the State of Tennessee. UNLICENSED ACTIVITY IN THE STATE OF TENNESSEE POTENTIALLY SUBJECTS THE DEBT COLLECTOR TO CIVIL AND CRIMINAL PROSECUTION.
|
| 09/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I check my credit report every month and i just saw this company report to XXXX and XXXX that I owe a debt to this company. There was no phone number, info of the date or whatever on my credit report except an amount of XXXX dollars. i called them and they asked me for all my info, Birth date, social, address, ect.. I gave it to them. they said that they were collecting for a payday loan that was requested in my name in XXXX 2013, I told them that this was not me. I asked for more information and they told me that the only info they had was from the payday loan company was " word '' of mouth that this was my debt and that i needed to get a police report and send to them that it 's a fraudulent charge. They do n't have any other information to give me. i asked them to verify with the original company anything that states this was mine and they said they did n't have anything other than " word '', so i 'm supposed to call the police dept and say that someone used my name 4 years ago??? really? I had no phone calls, nothing from this so called payday loan company. The CSR agent was rude to me and accused me of lying about this. I am so blown away that something like this is able to happen.
|
| 02/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''
|
| 11/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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My XXXX report states that I have an account in collections with Midwest Recovery Systems LLC for XXXX XXXX for an open date of XXXX XXXX XXXX for the amount of {$710.00}.
When the item first showed up on my credit report I disputed with the collection company. When I received no response I then sent an email to XXXX XXXX. Again, no response. I most recently had spoken to an XXXX member in XXXX of this year about the account because I had at this point been filing for a loan with XXXX XXXX which couldnt be approved because, for some reason XXXX couldnt give me, I could not file a direct dispute with them online and I was told all of the information XXXX has for my file is outdated. I have been trying to get in touch with someone from that end to update my file. Even after going through their rigorous game of 60 questions and proving my identity.
I have never had an account with XXXX XXXX.
I had never received any letters from them nor from Midwest Recovery about any supposed debt.
And I most certainly did not receive any notice that any such debt would be placed on my credit file.
I want this gone. I do have genuine debts that do belong to me and that is bad enough as it is.
|
| 02/02/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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IN REGARDS TO : MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I SENT A CERTIFIED LETTER TO THE COLLECTION AGENCY TO INQUIRE ABOUT THE VALIDITY OF THE DEBT AND VERIFICATION OF THEIR CLAIM WHEN I HAVE BEEN A VICTIM OF IDENTITY THEFT. IT WAS RECEIVED BY AGENT XXXX XXXX ON XX/XX/2018. WITH NO RESPONSE TO MY DEBT VALIDATION AND NOTIFYING THAT THIS ACCOUNT IS A FRAUDLENT ACCOUNT AND I HAVE NEVER TAKEN OUT OR DONE BUSINESS WITH A XXXX XXXX. THEY HAVE NOT PROVIDED ME WITH A ORIGINALCOPY OF THE CONTRACT BEARING MY ORIGINAL SIGNATURE? PROVIDE ME WITH PAYMENT HISTORY FROM THE ORINGINAL CREDITOR? I NEED COPIES OF ALL LETTERS SENT TO ME FROM YOU THE COLLECTION AGENCY AND THE ORIGINAL CREDITOR REGARDING THIS DEBT? WHEN WAS THE LAST DATE A PAYMENT WAS MADE ON THIS DEBT? ALSO PROVIDE ME WITH THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT? PROVIDE ME WITH COPIES OF ANY PAPERS THAT SHOW THAT I AGREED TO PAY WHAT YOU SAY I OWE? PROVIDE ME A VERIFICATION OR COPY OF ANY JUDGEMENT IF APPLICABLE? AS I HAVE STATED BEFORE I HAVE BEEN A VICTIM OF IDENITY THEFT AND THIS ACCOUNT IS NOT MINES. BUT THEY ARE REOPORTING INACCURATE INFORMATION TO ALL THREE BUREAUS.
|
| 01/29/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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In XX/XX/XXXX I had 2 online payday loans from XXXX XXXX XXXX and XXXX, which I'm sure both were paid in full. But I noticed on all 3 of my credit reports that Midwest Recovery Systems was trying to collect on these paid debts. They are stating the I owe {$1300.00} to XXXX and {$2200.00} to XXXX XXXX XXXX which is not possible. I have disputed this will all 3 credit bureaus and I've also sent them a certified letter requesting validation of these accounts as well as a cease and desist, I requested that they only contact me by mail. I sent the certified letter on XX/XX/XXXX and I have not received anything from this company. They never sent me anything validating these accounts before adding them to my credit reports, I've only received harassing threatening phone calls from this company, they even called my employer and aggressively asked all kinds of personal questions about me, when I got to work I called them back and explained that I could not except personal calls at work, the guy threatening me with a lawsuit and hung up. This company calls me from numbers all over the country and I block them all. My next step is to file a police report against Midwest Recovery Systems.
|
| 04/27/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I received an YET ANOTHER alert today on my XXXX account about a payday loan from XXXX and it's now XXXX. I filed a identify theft report when I found out in XXXX and it was removed and now 7 years later they are doing it again. I called directly to MidWest Recovery and was placed on hold several times and when I did get someone he was rude and acted as if he was doing me a favor. The practice of reporting old debts especially ones obtained falsely puts enough difficulty on the consumer on TOP of getting it rectified. There is no reason for these poor business practices and horrible service. I keep files of everything and I shouldn't HAVE TO when I did what I was supposed to years ago. MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXXI called that # several times and the the manager by the name of XXXX had the audacity to lie to me and say they are ALLOWED TO CHANGED the date of the collection and it doesn't change anything. It is ILLEGAL to report a old debt as new UNDER ANY CIRCUMSTANCES. It clearly says opened XX/XX/XXXX. This debt would have been removed yet again due to 7 year mark alone! I have complained SEVERAL TIMES.
|
| 01/07/2017 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
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This is an official dispute of debt.
1. ) The creditor is a computer that has generated a fraudulent debt of {$210.00}, filed with the XXXX major credit bureaus, XXXX.
2. ) The creditor can not provide a singed agreement between the original creditor and the alleged consumer in compliance with Fed. R. Of Civ Pro. 4, ( Probable Cause ).
3. ) The creditor can not provide a copy of the alleged " Notice of Service '' that the alleged original creditor mail to the alleged consumer in compliance with Fed. R. Of Civ. Pro. 4.
4. ) The alleged creditor can not provide a singed '' Affidavit '' validating that is not a computer.
5. ) The alleged creditor has my email address, my date of birth, my SS #, my phone number, previous home addresses, present home address, back acc information, but seeks to validate the alleged debt, by confirming my personal information the the consumer did not provide to them.
6. ) The debt notice filed with theXXXX major credit bureaus is slander, libel, tax evasion, money laundering, mail fraud, identity theft, cyber terrorism committed across the state lines of XXXX and XXXX, for which make these claims violations of federal rules of procedure.
|
| 08/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Midwest Recovery Systems of XXXX, Missouri has reported a medical debt owed of {$940.00} to credit bureaus. They claim that the debt originated from an emergency room visit at XXXX Hospital, XXXX, Arkansas, in XX/XX/XXXX. The collections account hit my credit report in XX/XX/XXXX. They gave the name of the doctor, XXXX XXXX XXXX, employed by XXXX XXXX XXXX XXXX XXXX, XXXX. I have contacted both XXXX Hospital and XXXX XXXX XXXX directly. Neither entity has any record of me visiting the emergency room in XX/XX/XXXX or of ever seeing that particular doctor. Both confirmed that I have XXXX outstanding balance. XXXX Hospital provided me with a signed statement on hospital letterhead confirming that the last time I was seen by the hospital was XX/XX/XXXX, and that I had no balance owed. Midwest Recovery Systems continues to claim that the burden of proof is on me to prove to them that I do n't owe this debt. I have requested written validation of the debt which they claim to have but have not provided yet. This negative hit to my credit report has caused me to lose eligibility for a student loan refinancing promotion that would have saved me {$7600.00} over seven years.
|
| 05/27/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I am totally getting tired of the lies and this premature back and forth. You are responding to a federal institution, the CFPB, making absolutely false statements without providing any documents to back your fraudulent claims.
Attached is a document that showed that the last time I did any business with XXXX was back in XXXX. Unless you can provide a contractual agreement SIGNED by me on XX/XX/XXXX, you are knowingly providing false statement to the CFPB. You are also, perhaps, knowingly re-aging an account and must I remind you that is illegal and against federal law.
In response to complaint number XXXX, you claimed that you made no communication attempts regarding this account since XX/XX/XXXX. That too is a lie and attached is a document that proves otherwise. Contacting me during the validation phase of an allege account was illegal and showcases your total disregard of the law.
Hence, since you have chosen to engage in illegal business practices and making false statements to the CFPB, I am bringing it to your attention that all of our communications and documents I have will be forwarded to the FTC and the office of the Attorney General of Missouri.
|
| 09/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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I unlocked my credit files and obtained copies of my credit report from all three reporting agencies/bureaus and noticed that there is derogatory debt in the amount of {$770.00} reported by Midwest Recovery Systems, supposedly collecting debt for XXXX XXXX, XXXX. I Googled both and discovered that XXXX XXXX offer online pay day loans, which are ILLEGAL in the State of Georgia and are not offered here. My employer, XXXX XXXX XXXX XXXX XXXX had a major data breach in XX/XX/XXXX. They offered employees and family members credit protections for XXXX years and my credit reports have been locked/frozen since then. This debt has an open date of XX/XX/XXXX, which shouldn't/could n't have occurred as my accounts were locked/frozen. XXXX also had a breach in XX/XX/XXXX but my credit files were already being monitored/locked/frozen. I have NEVER applied for a loan in Georgia or in any state or gone online or into any brick and mortar office to apply for a loan with these creditors. I have NEVER received any correspondence from either creditor and this debt is not valid as it was supposedly incurred during the time when all three of my credit reports were locked/frozen.
|
| 02/10/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I checked my XXXX credit report and Midwest Recovery Systems showed up on my credit profile this was recently put on my credit profile without any knowledge on my part. This is supposedly from a payday loan company, XXXX XXXX XXXX in the amount of {$200.00} - first date of delinquency is showing XX/XX/XXXX. XXXX XXXX has failed to notify me before placing this alleged debt onto my credit which is a FRCA violation. I have not received any communication from this company by phone, email, or US mail. I have the right to dispute debts and must be notified before anything can be reported to the credit bureaus. I do not have any knowledge of this account this account was reported to all credit bureaus drastically and negativity affecting my credit. I did not receive anything notify me of this debt nor did I have the opportunity to challenge the debt. I would like proof of my signature, or some type of proof showing ownership from his debt. I am currently in the process to buy a home and this company is delaying this process, due to this appearing on my credit reports. I am also going to dispute with credit bureaus, and file complaint with the XXXX.
|
| 06/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Requesting Immediate Review by the Consumer Financial Protection Bureau ( CFPB ) : -Notification received via email on XXXX /2017 at XXXX XXXX . from XXXX of a change to XXXX Credit report after careful monitoring weekly for over 12 months.
-Upon research, a collection was posted by : MIDWST RCVRY , XXXX XXXX XXXX XXXX , XXXX XXXX , MO XXXX for {$3300.00}.
-To date, the CFPB has received 127 complaints about MIDWST RCVRY in 2017 -- XXXX XXXX XXXX of 2017 already and XXXX XXXX XXXX 2017-all similar to mine where collections appear with no notification to consumer prior to submission to Credit Bureau . In many cases, it is also where the consumer has no knowledge of debt or is associated with a payday loan company.
-CFPB database contains nearly 400 complaints about MIDWST RCVRY.
-Upon further investigation, this was provided to XXXX and XXXX only. Disputes have been filed with all XXXX major credit bureaus.
-Type/Rate of item on credit report are unusual code " OPN 09 '' and seen less frequently by the credit bureaus.
-This is damaging information to consumer credit reports and must be stopped.
|
| 06/15/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
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|
Web |
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XX/XX/XXXX I received a call from Midwest Recovery Services stating I owed a debt for a supposed payday loan taken out in XX/XX/XXXX. They stated that I owed {$600.00} to XXXX XXXX XXXX XXXX and that I gave them permission to take an ACH from a XXXX XXXX account ( which I've never had ) and that it was insufficient funds. When I asked them to send me documentation regarding this debt -since I'd never taken out a payday loan or had a XXXX XXXX account, they hung up on me. I called them back and spoke with a XXXX XXXX and she stated that they are just a mediator and do not have access to that information. I explained that the address they had for me was not mine and that I never had a XXXX XXXX account nor taken out a payday loan and she threatened to send it to the Attorney General for prosecution and that once they do that I would have access to this documentation and then hung up on me again. I did some research online and discovered that they do this to a lot of people and say the same thing and these people also have never taken out a payday loan. This company needs to be stopped. They are ruining peoples credit with fraudulent information.
|
| 05/25/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
|
Hello CFPB : My name is XXXX XXXX I am writing for advice on what I can do about a payday loan collection that I paid off. At least 5 yrs ago I had defaulted on an online payday loan from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. ( XXXX ) XXXX. I had paid one of the two acct off {$180.00} before the acct was transferred to a collection company named XXXX. My balance was {$710.00} which I had later paid off by XX/XX/2013. My last interaction with XXXX they tried to double dip for my last payment. Never heard from them again and cant get in touch for proof of paid debt bc no call back. My number is still the same XXXX and my address had been the same for at least 3yrs afterwards. Fast forward and I get a post to my credit report that I owe a collection acct totaling XXXX dollars to Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX ( XXXX ) XXXX or ( XXXX ) XXXX. They have my phone number, billing address, and job info but have never sent any paperwork or proof that I owe on this acct. Come to find out that this was probably an illegal transaction to begin with from XXXX XXXX. Now they are trying to double charge me.
|
| 11/26/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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RECEIVED THIS NOTICE. CONTACTED YOUR BUSINESS AND FILED DISPUTE WITH XXXX ( XXXX XXXX ). SHE NOTED THAT DISPUTE WOULD BE FILED. I INFORMED XXXX THE ACCOUNT MUST BE FRAUDULENT SINCE THERE IS NO RECORD I HAVE OF MY EVER DOING BUSINESS WITH THIS CREDITOR. INFORMED HER THAT IN ADDITION, THE ACCOUNT HAS TO BE FRAUDULENT SINCE BANK ACCOUNT WAS CLOSED IN XXXX AND THERE WERE NO OUTSTANDING DEBTS AT THE TIME OF CLOSURE. SO HOW CAN A CREDITOR ATTEMPT TO COLLECT FUNDS ON A CLOSED ACCOUNT WITHOUT NOTIFYING THE ACCOUNT HOLDER? I WAS NEVER CONTACTED BY ANYONE UP UNTIL I REVIEWED MY CREDIT REPORT -- DONE REGULARLY FOR ACTIONS LIKE YOURS! THE ACCOUNT WITH YOUR CREDITOR WAS OPENED IN XXXX AND DELINQUENCY REPORTED IN XXXX -- 4 YEARS SEEMS EXTREME TO LET A DELINQUENCY SIT ON ANY BUSINESS ' BOOKS. THEN IT WAS REPORTED TO YOU ON XX/XX/XXXX. THAT'S AND ADDITIONAL 3 YEARS OF DELINQUENCY FOR SUCH A SMALL DEBT THAT SAT OPEN ON A BUSINESS 'S BOOKS. IT APPEARS YOU ARE ATTEMPTING TO COLLECT ON SOMETHING THAT IS NOT REAL. I SEND THIS MESSAGE VIA EMAIL SINCE IT'S IMPOSSIBLE TO GET A HOLD OF SOMEONE ON PHONE WITHOUT HOLDING FOR 20-30 MINUTES. MY TIME IS FAR TOO VALUABLE.
|
| 09/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Midwest Recovery inserted a fraudulent account into my credit file. Not only is this fraud Midwest Recovery has failed to communicate to me that they hold any accounts under my name. I am not being given my right to dispute the validity of each account to inform this company that this account do not belong to me and is a direct result of identity theft. You are hereby notified that I am a victim of identity theft and the accounts listed below that appear on my credit file are a result of identity theft. I I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
|
| 09/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
|
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On XX/XX/2018 I have noticed two collection accounts were placed on my credit report.they are both from XXXX XXXX/XXXX XXXX XXXX In addition to this information, The accounts are reported as open. I remember those debt has been deleted and removed from credit report a couple of months ago. The debt collection agency has called me and I told them multiple times that that debt has been removed from my credit report months ago ( the debt was not valid ). The same lady representative that works for the company complains ''Oh since it has been removed doesn't mean that you don't owe the debt. I replied " the debts have been removed and if it was placed on my credit report I will file a complaint. She stated it will not be placed on my reported and continually saying just because it has been removed does not mean anything. I told her the debts are not valid and have a different amount for the debts anyway. I also notice that Midwest Recovery has always bought a debt and add it to the credit report with a higher amount than the original bill as well making it a new debt. the debt amount reported to my credit file is {$1700.00} and {$1000.00}.
|
| 07/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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I have been receiving at least 3-6 robo calls per day from numbers purporting to be in XXXX XXXX or XXXX Maryland telling me I owe a debt. They instruct me to phone a toll free number which resolves to Midwest Recovery Systems. I dialed XXXX. I asked the person who took the call to inform me as to who the creditor is. The person was XXXX and tried to intimidate me. He asked for my name which I was hesitant to give because he could look it up by the phone number. He said he had to ask because of the Privacy Act, which I know to be untrue. I did give my name. He then asked for my date of birth, which I declined to give him because it is XXXX. He then said he couldn't help me and hung up.
I want the harrassing phone calls to stop. If there is a legitimate reason to call me this often, Midwest Recovery Systems must identify the creditor. They have never written to me. The XXXX XXXX XXXX recently suspended their accreditation for this very reason. Please make it stop.
I do not want to provide any part of my SSN to this company because I do not trust them. My phone number is included in this complaint. They seem to be able to find that.
|
| 10/25/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have an account that was reported to my XXXX credit report by Midwest Recovery Systems in the amount of {$450.00} this account is owned by a debt buying company called cascade capital. It was originally reported by a company called XXXX XXXX XXXX XXXX in the amount of {$310.00} after I sent a debt validation letter to XXXX XXXX XXXX XXXX it was sent back to XXXX XXXX and was re assigned to Midwest Recovery Systems and reported to XXXX. I contacted Midwest Recovery Systems today XX/XX/XXXX about this alleged debt and spoke to a lady named XXXX XXXX who tried to offer me a pay for delete for this alleged debt I informed her that I have been a victim of identity theft and trying to verify these debts on my credit report once she realized was not interested in paying this debt she became rude saying I don't care what you do ill note your account as a refusal to pay and blew me off after she realized I had no intention of paying. This account is was past the statue of limitations in the State of Texas and I just wanted info I do not think it is right for whenever you try to validate a debt instead of doing so the debt is moved around.
|
| 03/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I had an alert back in XXXX for a negative account popping up on my credit report for XXXX and XXXX From Mid West Recovery No idea of thos account I had recently went through a credit repair company which did nothing so i began buolding and repairing my credit Because of this account that this company placed without no notification or letter of debt validation has greatly lowered my scores They violated under FCRA because they did not send me tbe consumer a debt validation letter and having a 30 day response for me to respond just put this as a negative for {$250.00} Its for a pay day loan and on my XXXX it has for a XXXX XXXX but info says medical and on my XXXX it says XXXX XXXX also never did i receieve a phone call Till this day the # on the report never get calls from unless they our using different # which these scammers do When reported to XXXX XXXX the next day they deleated so why cant XXXX I also put in with XXXX Please i want this account removed and deleated I was so shocked to read on this site how many consumers have or had same problem Mid West Recovery still has not shown validation and the time line has passed
|
| 11/06/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Midwest Recovery Systems placed an account in collections under all three of my credit bureau reports XXXX as of XX/XX/XXXX in the amount of {$810.00}. I have not received any written or verbal communication from this company regarding this collection nor have they allowed me the chance to validate this debt prior to placing it into collections on my reports. My credit reports state this account went unpaid as of XXXX which is not true! I have not had any unpaid accounts in more than 7 years as I have watched my credit reports vigorously. Therefore, this can not be correct. The account number listed on the reports for this collection is # XXXX. If this company can not validate or verify this debt they are not allowed to collect it. Also, an account can not be reported if the ORIGINAL DATE OF DELINQUENCY is more than seven years. Midwest Recovery Systems will need to provide proof of the original delinquency date which is the date the account first became delinquent ( with original debtor ) and after which it was never again brought current in order to continue reporting.
Address on file : XXXX, MO XXXX or XXXX XXXX MO XXXX.
|
| 10/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I filed a complaint on XXXX-XXXX-2017 with XXXX Credit Reporting and also with XXXX for a collection that was recently placed on my credit reports by a collection agency named Midwest Recovery Systems. Allegedly, the collection agency, Midwest Recovery Systems, claims that I have a unpaid Payday loan with a company called XXXX XXXX in the amount of {$1200.00}.
In the Commonwealth of Virginia, it is against the law to obtain internet Payday loans and it is also against the law to provide payday loans to Virginia residents if your are not a licensed business in the Commonwealth of Virginia. With those laws in effect, how would it be possible for me to take out said loan.
Also the Payday loan laws in Virginia state that the maximum amount you can borrow at one time on a loan in Virginia is {$500.00} so how would it be possible for me to take out a loan in the amount of {$1200.00}.
I was not notified by mail or by phone by Midwest Recovery Systems of this alleged Debt Collection prior to it being reported to the credit bureaus. I 'm not even sure if Midwest Recovery Systems is a licensed to do business in the State of Virginia.
|
| 03/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
When checking my credit reports I noticed that this Midwest Recovery System is reporting that I owe a debt in the amount of {$390.00}. The original creditor shows as company by the name of XXXX XXXX XXXX XXXX and I have no idea who either of these companies are and have never taken out a payday loan with the company XXXX XXXX XXXXXXXX. I have searched both companies and have discovered several complaints, accusations of fraud and lawsuits. I have never been notified of this so called owed debt ; by phone or mail. This account just showed up on all three of my credit reports without any notice or opportunity to challenge the validity of the account. Both companies appear to have a history of shady business practice and refuse to fall victim to whatever scam is being ran.
This account needs to be deleted from all three credit bureaus. This is not my account and I am not sure how this company obtained my information but they need to lose it and remove this account from my credit reports ASAP. If the account is not removed for all three credit bureaus I will have no choice but to seek legal advice and take legal action
|
| 03/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Midwest Recovery Systems added collection to my credit reports without my knowledge ; and in doing so, violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me.
I request that Midwest Recover Systems verify the following information.
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law.
If Midwest Recovery Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs.
Midwest Recovery Systems also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
|
| 10/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This company Midwest Recovery is trying to collect {$1300.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Midwest Recovery with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Midwest Recovery. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Midwest Recovery. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
|
| 11/18/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
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.
|
| 12/08/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I was called by someone from an unavailable number who claimed they were collecting a debt for a creditor I had never heard of from 2013. They said they were Midwest Recovery according to them. The man told me I had to pay approximately {$1000.00} or he would be reporting me to all 3 credit bureaus. I told them I had not done business with the company he claimed to represent. He told me I took out a payday loan several years back, which was not true. I told them I do not do payday loans. I told him to please follow the debt collection process and send me written notice with the creditor information. They did not send anything. I told him I was not going to talk to someone from an unidentified number ; and a reputable debt collector will send me proper notice and does n't block their phone number. I got told I would have agents appear at my work if I did n't pay. Then a collection action appeared on my credit report from them for {$1000.00}. I looked them up online and they have apparently been doing this to many people. They violate the Fair Debt Collection Practices Act and are impacting my credit for a scam.
|
| 04/17/2017 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
Servicemember |
|
This debt is not mine ( Midwest Recovery Systems ) and my identity has been stolen by this company operating under the name of XXXX XXXX XXXX XXXX XXXX at least twice now. The first time I paid them because their phone calls were abusive and threatening ; this was in XXXX . In the past years I have had numerous abusive, vulgar and threatening phone calls from this same company. I have filed 3 Police Reports regarding the phone calls and my most recent stolen identity with this company. I have also contacted the Attorney General, XXXX XXXX regarding the numerous times this company has threatened me and EXTORTED money from me. In researching this company I found out that Midwest Recovery Systems works with XXXX XXXX XXXX and XXXX XXXX XXXX is outlawed in many states including New York and Washington state. There are numerous complaints filed online regarding this company and how they threaten to arrest, prosecute, show up at your house, call you vulgar names ( they called me a " XXXX '' and a " XXXX '' ). I 'm TERRIFIED! THIS MUST BE TAKEN OFF MY CREDIT REPORTS, PLEASE HELP!
|
| 11/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I submitted a complaint case number XXXX and the company responded which I have included below. It has been over 30 days and its still showing on my credit report. I want it removed as stated right away ....
STATUS Company responded on XX/XX/2018 RESPONSE TYPE Closed with explanation Company 's Response Midwest Recovery Systems ( MRS ) strives to provide the highest quality of service to our clients and our clients customers. Therefore, MRS regrets hearing otherwise and takes these matters very seriously. Thank you for bringing this complaint to our attention and we appreciate the opportunity to respond. Upon receiving notification of this complaint, MRS investigated regarding this matter. It was found that our client was unable to validate this debt. This account has been marked as Unable to Validate as of XX/XX/2018 and a record of deletion will be sent to the three credit reporting agencies. Please allow 30 days for the credit reporting agencies to update their records. If there are any questions, please contact our office to resolve this at XXXX. You may also email us at XXXX. - MRS Compliance Team
|
| 06/23/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
While checking my credit report I noticed a collection account from a Midwest Recovery Systems stating that I owe {$500.00} from an XXXX XXXX XXXX. I have had dealings with them in the past after I had received several spam/fraud emails from another collection agency XXXX that was threatening to " take me to the courthouse if I do not pay '' I asked for proof of the debt being that I am a victim of identity theft in past. The never sent me any proof of the debt. I filed a complaint with my states attorney General, and they stated that the emails I was receiving were fraudulent. I also filed a complaint with the CFPB. After this, and not receiving any feedback from any XXXX, I thought the matter was closed. Now this collection agency Midwest Recovery Systems has placed this account on my credit report which has caused my credit score to drop nearly XXXX points! I am in the process of looking for a home to rent and this has severely affected my chances of getting approved by potential agents/ landlords. I have sent letters to all " collection agencies '' that are claiming to represent XXXX with no response.
|
| 12/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX XXXX XXXX I received an alert on my credit report that a company by the name of XXXX aka : Midwest Recovery stating that they had placed a loan amount of approximately {$2500.00}??!!! first of all I have never heard of either company or have taken any personal loans out for such amount. I contacted XXXX Credit Bureau since they are the ones that alerted me and it was reported to them and they agreed that there was never an inquiry made by me requesting a loan from either one of the above stated companies because when someone requests a loan on line or other there is always an inquiry. I have placed a fraud alert on my report due to this ironeous error on my credit report and have placed an investigation. This so called XXXX company is out of the country and I know alot of these companies commit fraud towards peoples credit reports thinking that someone would be so XXXX and send anyone any money that you have never requested money from. I want this company investigated and this removed off my credit report immediately! This is definetly a fraudulent matter towards me and my personal credit report.
|
| 09/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
When picking up the phone, an automated voice comes on " this is XXXX XXXX with Midwest recovery systems, please hold for the next available representative. '' Most of the time, the phone rings several times and then goes to an answering machine. When a representative does answer, they immediately ask for my name and then say there is a claim against me. They say I owe $ 700+ and I must pay by end of day or they're submitting a warrant and sending the local police to my location ( they gave an address I had out of state 5 years ago ). When I asked them to send me information regarding the debt they said - we did. I said I never received it and I have no knowledge of it, the lady 's response was - That's what they all say, pay today or you're going to jail. I told her I need to speak with my lawyer and she hung up on me.
Upon call backs to this company, no one will state the name of the company. They immediately ask my name and won't give any other information. When making repeated call backs to attempt to get another representative, it is the same person EVERY time.
The number they call from is XXXX
|
| 07/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
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On XX/XX/2019 a collection came up on my XXXX and XXXX XXXX XXXX. It lowered my FICO score by 25-30 Points. The collection agency is Midwest Recovery Systems, LLC. I received no letters or phone calls prior to this even though my phone number has not changed in 13 years. I filed a complaint to both credit bureau agencies and contacted Midwest Recovery by phone and tried by mail. I received no satisfactory answer via phone and their address was no valid as I tracked the letter via tracking and it bounced from city to city in Missouri about 4-5 times before someone accepted it.
Bottom line this is not my debt as I stated in the letter and disputes. The following is the " address '' of Midwest Recovery '' MIDWEST RECOVERY SYS, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, MO XXXX XXXX. Phone ( XXXX ) XXXX. This debt originator is XXXX XXXX XXXX Internet, llp whoever that is.
This debt was removed from both XXXX & XXXX but today checking my FICO I find that it is once again on my XXXX credit report. Nothing to date has been received from Midwest Recovery Systems, LLC even though I asked for documentation.
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| 02/12/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Midwest Recovery has been contacting me since last year about a debt last year ( XX/XX/XXXX ) I had an financial advisor and informed them to contact them, their phone number was given. NO notice was received from Midwest and I was not informed by my financial advisor that they had responded to any communication. I began receiving the calls again this year XX/XX/XXXX and I have informed them on more than 2 accounts to verify the account because when I asked them questions about the debt the diverted the conversion and could not give me specific information, they only said that the debt originated in a medical facility in Florida. I told them to validate the account in writing gave them my updated address and I have never received a letter to validate the account. They continue to call without and end to the issue and still have yet to validate the account. As I am aware myself and my financial advisor has paid all my outstanding medical bills and the 3 I have now I am on a payment plan. I am unaware of this debt and can't help to resolve the debt because they have yet to validate the account.
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| 11/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I filed a complaint about this already ; however, the information is on all 3 credit reports. On XX/XX/XXXX I looked at my credit report from XXXX XXXX it showed a payday loan from Midwest Recovery Systems.
I do not recall ever taking out a payday loan from them or the XXXX the alleged original creditor.
I called all the numbers for Midwest Recovery Systems found on the internet and provided on the credit report, none are good working numbers.
I have never received a collection agency call or letter, a validation letter, a chain of title showing this collection agency owns this debt, nor a balance, it is fraudulent.
On XX/XX/XXXX I found that all 3 major credit reports show this debt.
Midwest violated the Federal Debt Protection Act by reporting a debt without sending me notice and verifying that in fact it is mine and the balance is correct and the statute of limitations has not run. This collection agency is operating in the shadows and does not seem to really want to resolve debt nor operate within the law. The company should be fined and this debt taken off all credit reports immediately.
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| 03/23/2020 |
Yes |
- Debt collection
- Credit card debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I was told by this collection agency that this was my XXXX 's credit card. I told them that was impossible as I was working with XXXX XXXX as a debt consolidator and that my XXXX 's card balance of {$8900.00} was being settled with them. They were verbally abusive on the phone and I gave them the phone number of my consolidator to deal with the situation numerous times. They stopped calling. XXXX/XXXX is how the Closed Paid account shows. XXXX verified 100 % that this was the same XXXX 's card ( the only one I ever owned ) closed XX/XX/XXXX and opened XX/XX/XXXX. Midwest recovery shows Opened XX/XX/XXXX from XXXX XXXX XXXX for {$8900.00}. I am not sure how they are able to try to get the same money from me for the same account but this is not a new account opened in XX/XX/XXXX. I would never have qualified for this amount in XX/XX/XXXX due to my debt consolidation. This was harassment, and possibly identity theft or at best an account sold to 2 different collections agencies. It is paid and done. I need to get this removed as I have done everything including advise them who to contact.
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| 02/21/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This creditor has placed derogatory information on my credit files at least three times by changing the dates and amounts owed. I have never received notice from them about a debt. The collection just appears on my credit. Each time it appears on my credit I dispute it and it is removed. A few years ago it was removed when I disputed it with the CB 's. Last year I received a phone call from an agent from Midwest Recovery trying to verify the debt. I let her know that the account does not belong to me. She stated that she see 's where I disputed that before. I told her I did because it is not my account and I hung up. The very next day I got an alert from XXXX stating I have a new collection item from them for over {$600.00}. Before I could disputie with the CB 's it was removed within a week. Most recently XX/XX/19 it was placed on my credit again for over {$900.00}. Same company but different amount. I have filed a dispute with the CB 's again. I need information on how to prevent this company from putting this derogatory item on my credit especially without notification of a debt.
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| 09/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Re : Acct. XXXX Midwest Recovery Systems report XX/XX/2016 {$580.00} Reporting from all credit bureaus.
I have contacted Midwest Recovery Systems, LLC verbally since XX/XX/2016. They would not remove the acct.
I contacted them by letter XX/XX/XXXX telling them it is a violation of the Fair Credit Reporting Act to report {$580.00} balance due to XXXX on my credit. I requested viable evidence bearing my signature that the report to be accurate. THey did not respond to my request.
I wrote a letter to all credit bureaus disputing a false collection on my credit report XX/XX/XXXX. I requested a copy of any documents, bearing my signature showing that I have a legally binding contractual obligation to pay the alleged amount. The days and times of sign in and sign out of services equaling the alleged amount claimed that I owe Midwest Recovery Systems LLC.
They responded stating the information was verified but did not provide any documentation requested that this was an accurate report. This is a violation of the Fair Debt Collections Practices Act Section 807-8 and Defamation.
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| 03/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Older American |
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On or around XX/XX/XXXX, Midwest Recovery System of XXXX XXXX, Missouri, erroneously reported a debt of {$490.00} dollars allegedly owed by me to XXXX. I promptly sent Midwest Recovery Systems proof ( via cancelled check ) that that amount had been repaid on time to XXXX in XX/XX/XXXX. I believe XXXX is fraudulently attempting to collect money no longer owing to them, and that Midwest Recovery has not been circumspect enough with this account. They have been given ample time to contact XXXX and to remove this incorrect report from my credit reports ( XXXX, and XXXX ), but have not yet done so. Despite frequent emails requesting or demanding that this hit be removed from my report, Midwest Recovery continues to sit on this, and in the meantime my credit ratings continue to be adversely impacted.
Don't payday loan companyies XXXX consumers enough? Now they are fraudulently attempting to collect a debt twice, two years after the fact. This is outrageous, and Midwest Recovery is not doing enough to remove this error from my reports, or to contact XXXX to get this resolved.
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| 02/03/2017 |
Yes |
- Debt collection
- Payday loan
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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Midwest Recovery Systems LLC appeared on my credit report in the amount of {$890.00}. I have never heard of this company before. When I contacted them, they said that I had taken out a payday loan on XX/XX/XXXX I did not take out such loan on that day as I was not working at the time. As well all of the banking, home and email address information was old. I have not had that bank since XX/XX/XXXX and that bank went defunct in XX/XX/XXXX. I have not lived at that address in over XXXX years. As of XX/XX/XXXX it had been over XXXX years. That email address had not been my email address since XX/XX/XXXX. However, for some reason, when I did call they tried to get me to tell them my social security information but did know the last XXXX of it. Now, they are insisting that I owe this money. I know for a fact that I do not owe this money, who takes out a payday loan when they are not, in fact, WORKING and getting pay or have a payday? Not to mention, payday loans are ILLEGAL in the state of XXXX. Please stop your attempts to collect on a debt that is not owed to your client.
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| 01/19/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I took a online payday loan for {$300.00} dollars from a Company called XXXX XXXX approximately 8 years ago, I payed the debt in full 8 years ago and since then my information was sold to other debt collectors that are trying to double dip on payday loan debts that have been payed, Ive been threatened to be arrested and humiliated at my place of work if I dont pay the debt Ive already payed, Ive contacted the FTC in the past. Ive have had no issues with my credit report for the past 2 years, today I got a notice from XXXX XXXX that a company called : Midwest Recovery Systems XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX, posted a collection to my credit report and made my score drop 50 points. Midwest Recovery said they got my debt from XXXX XXXX XXXX XXXX, Ive done some searching and Midwest Recovery is fraudulently putting dings on peoples credit reports who never even had a payday loan in the past. This is a false and fraudulent claim to my credit report and companies like these should be shut down and prosecuted to the fulliest extent of the law for fraud.
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| 04/24/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was alerted by XXXX XXXX app that a collection had been added to my credit report and the main credit reporting agencies. The collection is from Midwest Recovery Systems, regarding a debt of {$230.00} to XXXX XXXX XXXX XXXX?! This is not my debt! I do not know the company XXXX XXXX XXXX XXXX, nor have I used any check advance company, nor have I even had checks in many many years. Upon doing a quick XXXX search, it appears this is a fraudulent and illegal tactic used by Midwest Recovery System frequently. As I was in the process of applying for a home loan when this fake debt appeared on my credit report, I am considering filing a law suit against Midwest for such fraudulent behavior and the damage it has caused me. Midwest Recovery Systems needs to remove this fraudulent debt from my credit report immediately. I am also reporting to the XXXX and filing disputes with the 3 main credit agencies. My next step will be to hire an attorney to go after MRS for such fraudulent and criminal behavior. Please stop this criminal company from further damaging people 's lives.
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| 04/24/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Midwest Recovery Systems, LLC has placed a collection account on all three of my credit reports, and reported to all three credit reporting agencies, XXXX, XXXX, and XXXX, about a debt that I do not owe to them, nor did I ever receive any written documentation about this alleged debt. This does not allow me the opportunity to dispute the validity of the debt. This company is in violation of the The Fair Debt Collection Practices Act ( FDCPA ) in its practices.
By reporting an alleged debt that was never validated or confirmed to credit reporting bureaus, this has caused my credit score to plummet significantly. I feel this is illegal and also tactical on their part to manipulate consumers to pay on debt without going through the proper procedures as mandated by the FDCPA. I also question if this company is licensed to collect debt in my state and if they are trying to collect on alleged or phantom debt, which may go beyond statute of limitations by state. I question the legality of what this company is doing to collect on unverified and unsubstantiated debt.
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| 02/01/2018 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To whom it may concern : I have three collection accounts on each of my credit bureaus from a collection agency named Midwest Recovery Systems the accounts are as follows : XXXX, XXXX and XXXX : 1. Midwest Recovery Systems Date Opened : XX/XX/XXXX 2. Midwest Recovery Systems Date Opened : XX/XX/XXXX 3.Midwest Recovery Systems Date Opened : XX/XX/XXXX Please be advised that I am disputing these collections due the fact that ; Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Does not currently have a valid license in Florida to collect on debts. This information is stating that their license is currently Revoked/Voided according to Florida Office of Financial Regulations XXXX XXXX XXXX XXXX XXXX, FL XXXX I am requesting that you investigate this matter and delete these accounts from all three of my major credit bureaus as per request to remove the above items from my credit report immediately or provide me with physical proof that XXXX XXXX XXXX are licensed to collect debts in Florida.
Your immediate response will be greatly appreciated.
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| 05/20/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have a unverified account from MIDWEST RECOVERY SYSTEMS # XXXX . I had previously disputed this account. I have never done business with MIDWEST RECOVERY SYSTEMS # XXXX . Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dis pute the validity of the debt purport I owe. I request that MIDWEST RECOVERY SYSTEMS # XXXX Provide verification of the follow ing : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MIDWEST RECOVERY SYSTEMS # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt
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| 08/08/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I settled a debt collections account with Midwest Recovery Systems on XX/XX/2020 for {$670.00} for an account that originated from XXXX. I received confirmation that the debt was settled and that a deletion would occur. All of my credit reports were updated relatively quickly, and were all removed fairly quickly. However, as of today, XX/XX/2020, this collections account has reappeared on my XXXX report. This account needs to be removed ASAP. I am upset that it was removed and then reestablished on my credit report. This is probably the 5th or so issue I have had with MRS. Each time they continue to mess up my credit with either putting debts that are well over 10 years old on my credit, and now putting new collections on my credit profile that have already been paid. I have attached a redacted transaction of my bank account with the payment authorization and clearance. The letter of deletion I received from MRS via email. As well as a copy of XXXX credit report indicating that MRS updated my credit profile on XX/XX/2020 to re-add this collections.
|
| 12/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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On XXXX XXXX, 2017 a collection account was added to my XXXX credit report. The collection company shows as Midwest Recovery Systems, the original creditor shows as XXXX XXXX XXXX. I do not recognize either of those companies and I have not received any information in writing from them regarding this account. It shows that it is a medical and it 's for {$1600.00}. I have no been to any doctor within the last six months so I have no idea where this is coming from. I tried contactics the company ( Midwest Recovery Systems ) by phone and was told they could not look it up by name and that they want my social security number. I refused to give them my social security number and they disconnected the line. So I sent a cease and desist email to Midwest Recovery Systems. They have responded again asking for my social security number. My address is correct on my credit report yet I have received nothing from them. I believe this account and company to be fraudulent. I want to have this removed from credit report. They have not proven this is my account.
|
| 09/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Midwest Recovery System placed a collection - adverse account on my credit report on the behalf of XXXX XXXX XXXX. They state that XXXX XXXX XXXX deposited money into my account onXX/XX/XXXX in a checking account that I have opened since XXXX. They state that they deposited the money but could not get payment. That is not true!! Additionally, in XXXX someone filed taxes using my SS #. The IRS has since on annual basis issued me a pin to file taxes since they found my identity to be stolen. XXXX XXXX has never contacted me much less placed money in my account. There has n't even be an attempt to withdraw funds from my account or I would have definitely have addressed it. XXXX now refuses to provide proof of funds deposited into my account. Midwest Recovery System states they have no information to give and they even have an incorrect email address for me. I need proof of the deposits and the attempts they took to withdraw the repayment of the loan through my checking account. If they ca n't provide proof it needs to be removed from credit report.
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| 11/08/2016 |
No |
- Debt collection
- Payday loan
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Midwest Recovery Systems recently added themselves to my credit report as a collection agency. No info was added about the original debtor. After several attempts to contact the company, I finally spoke with XXXX XXXX whom advised he is a manager. He informed me that the debt is for a payday loan from 2012, which was received from a company named XXXX XXXX. He then advised that the debt was bought by his client, being XXXX XXXX XXXX XXXX. I worked with Maryland 's Dept of Labor, Licensing, and Regulation, whom informed me that payday loans are illegal in MD. They also instructed me not to pay the loan and informed me that they would be seeking legal recourse against the many lenders that are illegally lending to MD residents. I thought this nightmare was over, but now this company is hurting my ability to purchase a home and move forward with other plans for my family as this blemish is bringing my credit score down. I am requesting assistance in removing this issue and learning how to make sure this issue does n't happen again, in the future.
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| 01/22/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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As of today XXXX XXXX,2018 I logged into my XXXX XXXX account to find an open collection notice from an unknown lender and collection company known as XXXX XXXX XXXX XXXX. I had not taken out any payday loans. I believe I am I victim of fraudulent or scam activity two different reports between my XXXX and XXXX report state comments as reason to collect a debt and medical which I knew is a fallacy as I am a XXXX XXXX and medical bills are covered indefinitely i did multiple research on the phone number and company and seen this has happend to multiple people. I am a single mom and XXXX looking at getting into a stable living environment this open collection account is going to effect this negatively. Id also like to note I never received a notice to dispute the debt prior to being sent to collections or a notice from the collection agency. Id like this to be resolved I will attach multiple forms of proof verifying my claims and other reports of this company being a scam. I fear for the safety of my identity also this is affecting my life.
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| 01/05/2017 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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On XXXX XXXX, Midwest Recovery Systems, LLC reported a balance of {$400.00} owed to " XXXX '' on all XXXX bureaus. Says the original creditor opened the account on XXXX XXXX, 2016. I have no knowledge of this account, and I have never once in my life had anything in the amount of {$400.00}. I have never received written or telephone contact from anyone notifying me of this so-called " debt ''. I have been watching my credit like a hawk as I 'm going to be going into the mortgage application phase within the next month. This reporting of this unverified, fraudulent debt has caused my XXXX to go down over XXXX points. Per the federal rules for debt collection, I must be notified with this debt and given the opportunity to dispute or negotiate this debt with a creditor before it is reported as an unpaid debt. I have NEVER been told of this debt. It needs to be removed from my credit reports immediately, and Midwest Recovery Systems, LLC must be held responsible for reporting false information and not following federal debt collection rules.
|
| 04/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
|
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Midwest Recovery Systems I have never received correspondence from them about a debt owed prior to this going on my credit. This is the second time I am filing a complaint to the CFPB on them. Last time it was in XX/XX/XXXX for the same mess. This appeared on my credit report on Thursday, XX/XX/XXXX for {$800.00} out of the blue and then on Friday, XX/XX/XXXX @ XXXX XXXX I received a call from Midwest Recovery from a XXXX, Florida number which makes no sense. This is ridiculous. It amazes me they call the week this was added to my credit report with no previous documentation stating I owe this debt, which I do not. This company continues to do this to several citizens by popping up out of the blue on their credit report and attempting to strong arm people by sending a debt automatically to all three credit agencies with no correspondence or calls. I am highly XXXX off and plan to go to local authorities as they are playing with my livelihood and my credit and appear to be scammers. I am sick of it. Something has to be done with MRS .
|
| 02/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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On Friday, XX/XX/2019, I retrieved a copy of my credit report. I immediately noticed that Midwest Recovery Systems had placed derogatory entries on my credit reports. This collection agency has blatantly violated the law. Per FCRA, I should have been notified that they were attempting to collect a debt. Midwest Recovery did not provide a dunning letter nor any written correspondence to that end, ever notifying me of this alleged debt thus, forfeiting my consumer right to dispute the validity of this alleged debt. I have never heard of this company, never communicated with them, nor have I ever signed any contract with them. This erroneous, unverifiable entry must be removed from my report immediately due to the FCRA violation. See attached credit reports that reflect the recency of this entry on my credit reports. This inaccurate and unverifiable entry has caused great detriment to my credit reports and all at the fault of this 3rd party collection agency illegally inserting this erroneous information. DELETE THIS ENTRY IMMEDIATELY!
|
| 04/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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Hello, I have attempted to contact Midwest Recovery Systems ( located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX ) twice but the company has refused to respond. This company has reported a negative collection account for {$610.00} to all three bureaus. I have no knowledge of this debt or the company and I certainly did not sign any agreements with them. Prior to the appearance of this debt on my credit reports, Midwest Recovery never contacted me or sent a notice of my right to dispute. The company did not send any documents to me, simply placed an inquiry and reported a negative collection account.
I last attempted to dispute this debt directly with this company by requesting a debt validation via certified mail and the company received it in their office on XX/XX/2018. To date, I have not received any correspondence from their office and I have given this company ample time to respond to multiple requests asking for validation of this debt. In this case, I would like for this company to delete the and cease reporting.
|
| 02/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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So yesterday I had a collection account placed on my credit report. It shows no original dates only the supposed creditor. When you XXXX them XXXX XXXX, you see nothing but scam alerts. So the collection company is MIDWEST RECOVERY SYSTEMS.
I called XXXX/MIDWEST RECOVERY SYSTEMS when you call its a prerecorded message saying it is XXXX XXXX . Then your transferred to a supposedly XXXX XXXX. He started off the conversation asking for my Social Security number, I would not provide such information over the phone, stated I would be arrested if I did not and also pay this collection account today. Also is refused to send me any documentation to verify the account. Said they could email. I plainly told him that is not an actual legal way to verify the debt. I told him this has to be a scam, he said they will dispatch a police officer to my location today if I did not pay. Very mean individual/very foul language. Said the call was being recorded. I highly doubt that because that would not be legal to say on a supposed collection call.
|
| 03/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I had 2 accounts with XXXX XXXX that were over drawn and sent to collection. It took me some time, but eventually I settled on both debts. I and family members continue to receive phone calls about the debts from numerous agencies. The most recent agency is calling from XXXX-XXXX-XXXX. It took me approximately 2 weeks of 20 or so calls to actually reach someone on the other end of the line. Most times they would pick up and hang up almost immediately, or leave me on hold. The voicemail they have set up has been full each time I have called and not gotten through on hold. Today when speaking with them, the woman continually asked for me to provide the XXXX XXXX account information. I declined and requested they provide an email address or fax for me to send the documentation I have to show the debts are paid. She disconnected the call. After I called back, she advised that she would not entertain it and she was filing the paperwork to the court and again hung up on me. As you can see from my documents, I have settled both debts.
|
| 06/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I got an email from my credit card company about an alert. I checked my XXXX XXXX and it shows I have a bill in collections that does not belong to me. It's for the amount of {$290.00} dollars that it claims I owe to XXXX XXXX XXXX and that the creditor 's information is Midwest Recovery Systems, LLC. I've been researching because I'm so frustrated and don't know what to do that I came across Midwest Recovery Systems as being a fraud company! I do not need this company ruining my credit and trying to steal money from me. I never got a letter in the mail, or a phone call, it just showed up on my credit karma. I don't even live in XXXX nor have I ever been in an ambulance before! MIDWEST RECOVERY SYSTEMS is a fraudulent company and needs to be stopped! This is the information XXXX XXXX shows : Opened Unknown Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
|
| 11/14/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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On Friday XXXX XXXX, 2016 I was notified by my credit monitoring service that a new collection, in the amount of {$670.00} from Midwest Recovery Services LLC via XXXX XXXX XXXX was applied to my credit reports.
Having not incurred the alleged debt, I did some research and it appears that MRC buys outdated, often incorrect zombie debt and haphazardly applies it to individuals credit reporting agencies, which is a clear violation of Fair Debt Collection Practice Act as in my case they never even allowed me my right to dispute the collection within 30 days.
Under the FDCPA the consumer ( me ) is to be given a 30 days validation period before a debt collection can be reported to all XXXX major bureaus by a collection company.
That Midwest Recovery System can be so reckless and cavalier with their debt buying and collection practices is nothing short of terrifying. Innocent individuals, like myself, are constantly being put through extreme stress and the onus is on US to clear our names from their egregious practices.
|
| 09/25/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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Please be advised this my 2nd complaint regarding this issue with Midwest Recovery Systems. On XX/XX/XXXX I received some alerts regarding a change appearing on my credit reports. Upon checking, I noticed a collection account from Midwest Recovery Systems. The original creditor was XXXX XXXX XXXX XXXX XXXX. I have several issues regarding this.
1. Midwest Recovery Systems never informed me of them obtaining or purchasing this debt within the initial 5 days with any letter of attempt to collect as per the Fair debt collection Practice Act section 809. This is a violation.
2. It has been 30 days since I've sent Midwest Recovery Systems an affidavit of denial ( Not letter of Validation ) since the debt never was mine, and I still have not received any correspondence or anything in the mail from Midwest Recovery Systems regarding this debt.
3.I have since been denied credit because of this inaccurate information that is on my credit report which I'm currently seeking legal advice in an attempt to resolve this matter.
|
| 06/01/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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On XX/XX/XXXX I checked my XXXX and XXXX credit report and was surprised to find a delinquency for {$500.00}, placed there by Midwest Recovery Systems. There was no prior contact in any way before placing this to notify me of the action, ability to pay it, OR DISPUTE IT.
I checked the XXXX XXXX XXXX and they had many prior complaints and over 100 in the last 12 months.
I contacted them and was told that they fo this all the time because they are not required to give notice of any kind before filings negative information on anyone 's credit bureau. They told me this was a debt from another company ( that never contacted me nor placed Anything on my credit bureau file ) that purchased it from a physicians group.
He did take a verbal dispute but my score went down 42-45 points already and according to XXXX XXXX, even if it's removed will only rise back 25 or so points. I am starting a business and my access to credit funds has been diminished and I won't get that back for months at best even if they remove it.
|
| 02/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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I was on my credit report online ( XXXX ) and my credit report has a new company showing up a ( in collections ) company trying to collect the {$800.00} charge is listed as Midwest recovery systems however the actual company is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX phone XXXX I have never once done any business with this company, never have I signed up or received any loans from this company, I have never received a call, mail, or any type of literature showing this as valid this is a fraudulent charge and I would like to take legal action as I have called both companies one has no record of me, the other is clearly a scam as all they keep trying to is get you to give them personal details via telephone and use scare tactics like telling me ill go to jail unless I give them money, social security number, and other personal details companies like this should be reprimanded and not allowed to be able to do this to good people who actually pay bills, taxes, etc on time without ever being late
|
| 02/18/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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After viewing a copy of my credit report, I noticed a collection account placed on my credit report from MIDWEST RECOVERY SYSTEMS in XX/XX/2017 in the amount of {$410.00}. First and foremost, I have confirmed that the debt collector, MIDWEST RECOVERY SYSTEMS is not licensed in the state of Texas to collect on this debt. Secondly, MIDWEST RECOVERY SYSTEMS violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to MIDWEST RECOVERY SYSTEMS? I have never heard of them, have no written contract with them and have never received any benefits from them, yet MIDWEST RECOVERY SYSTEMS has submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$410.00}.
|
| 12/28/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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About a year and a half ago I purchased a membership to XXXX over Texas. I paid off the membership, and have provided proof to the debt company that it has been paid off. I have been harassed for months about this issue. I have issued verbal and written statements that they are not allowed to call me again, that the debt was paid, and that they have received proof of payment. They have acknowledged all of this, yet they continue to call, sometimes multiple times a day, and harass me at home and at school. They have used intimidation tactics, such as saying if I do not pay the debt in full they will destroy my credit. They have talked to my father, invading my privacy and causing emotional and social stress. They have not, as they said they would, sent me proof that the debt is owed. It has been more than 30 days. They are being fraudulent and negligent. They have reported it, falsely, and it is impacting my credit negatively and harming my ability to take out loans to pay for college and get an apartment.
|
| 10/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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On XXXX XXXX, 2019 Midwest Recovery Systems falsely reported to the credit bureaus that I owned {$500.00} for an unpaid balance due to a company that Ive never heard of.
I contacted them immediately and have not been able to get in touch with them. I have attempted to reach them via fax, email and calling. No one is available.
The company this alleged debt was acquired under is not a real company that I can find. I have searched numerous business databases and the internet for hours.
Additionally, based on the name of this frivolous company alone, it appears to be a payday loan company. Payday loans, or cash advance company are illegal in my state of Arizona and our usury laws. Additionally, if this was a legitimate claim, it would have had interest, fees and not be an exact {$500.00}. But this is.
This so-called debt collection company has been connected with numerous other consumer complaints, where people have reported scams and has even had their accreditation by the XXXX XXXX XXXX revoked.
|
| 07/15/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I was notified by phone on XX/XX/XXXX by Midwest Recovery Systems that I owed an outstanding debt of {$450.00} and to call XXXX. When I called I was informed that they were a debt collection agency that had acquired my debt on XX/XX/XXXX from a payday loan from XX/XX/XXXX from XXXX XXXX and that they had just put the debt collections on my credit report. When viewing my credit report Midwest Recovery Systems list the date of the debt as unknown ( instead of XX/XX/XXXX ). This debt, which I disputed as I was unemployed XXXX and never received a payday loan during this time, would be coming off my credit report in 11 months even if I lose the dispute, but where they fraudulently submitted unknown for debt date it will remain for the next seven years. They also told me that I can not dispute the debit until I pushed and became angry. The statue of limitations to collect a debt in NJ is also 6 years and yet they submitted date as unknown when they clearly know what the date is as they reported it to me.
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| 08/15/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
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Web |
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I have an unverified account from MIDWEST RECOVERY SYSTEMS. I had previously disputed this account. I have never done business with MIDWEST RECOVERY SYSTEMS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MIDWEST RECOVERY SYSTEMS Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MIDWEST RECOVERY SYSTEMS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 08/03/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On XX/XX/XXXX, I noticed a debt that hit my credit report and called the company. They told me it was a payday loan from XX/XX/XXXX that I apparently paid on for TWO YEARS then fell delinquent in XX/XX/XXXX. 5 years later they reported it to all credit bureaus which greatly hurt my credit. I told a representative from the company that I wanted to dispute it because it is not my debt. They insisted that it was mine so I asked for documents to be provided to prove this and gave my contact information and have not heard anything since. No emails, no letters and no more phone calls. I disputed this with all 3 bureaus and they reported that the COMPANY does the investigation and basically just told them it is mine. I HAVE NOT RECEIVED ONE LETTER OR EMAIL STATING THE TERMS OR DETAILS OF THIS DEBT I SUPPOSEDLY OWE. I did not take out a PAYDAY loan and pay on it for TWO years just to still owe {$370.00}!!! This is not my debt and it is hurting my credit that I have worked hard to fix the last 2 years!!!
|
| 10/11/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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I received a copy of my credit report issued XX/XX/XXXXand it shows an adverse collections account from Midwest Recovery Systems which was placed for collection onXX/XX/XXXX for XXXX XXXX XXXX. Before I left XXXX in XX/XX/XXXX, I Paid my bill at XXXX XXXX and closed the Account. I have been living in XXXX for ten years now and have no idea how or why they would have a bill in my name. I spoke with someone at XXXX XXXX and was told they have no record of me. XXXX, at Midwest Recovery told me that a payment was made on the bill inXX/XX/XXXX and that I could just pay the {$910.00} and clear my record. Since this was not my bill and I had no idea who made the payment, I refused. I believe a notice of fraud was placed on the account but this account should be removed from my record as soon as possible and should not be put back on by the next company the account is sold to. I would appreciate any assistance you can give in this matter as my record has been tainted because of this. Thank you.
|
| 03/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I woke up on XX/XX/2020 to an email from XXXX that I had four new delinquent accounts that just popped up out of no where. These accounts never showed on my report as even a credit pull, just delinquent. So I then did a dispute and today XX/XX/2020 just under the 30 day mark for XXXX, they are saying these accounts have been reported accurately on my report, therefore they are my accounts. Then, I tried reaching out to Midwest Recovery, the reporting collection agency and they couldn't pull up anything by my name or social security number. There are a total of four accounts all from the original creditor " XXXX XXXX XXXX XXXX '' of which showed up on my business bank account last XXXX-XXXX as fraud. All totaling around $ 22k. I have worked very hard for an excellent credit rating and if anyone saw my credit they would know that these are not my accounts. If XXXX did their due diligence they would see that these accounts are bogus and there was no proof that they belonged to me.
|
| 02/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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XXXX and XXXX and XXXX are reporting an account on my credit file that is not mine. I have never applied for any loans or any sort with this company. And due to this has caused my credit score to decrease and show negativity on my credit report. I know nothing about this company. However I have XXXX the company since learning of it being on my credit report and they are on a scam list.
I have never ever applied for anything with them and would like to know how my information was provided to them to create such a scam. The company name is MIDWEST RECOVERY SYSTEMS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX This company is representing for another scam company :XXXX XXXX /XXXX I obtained all the above information from my XXXX credit report.
The company claims that I owe {$1100.00} I OWE THEM NOTHING!!!!!! CAUSE I HAVE NEVER EVER APPLIED FOR FOR ANYTHING WITH THIS COMPANY.
I AM PRAYING FOR RELIEF FROM THIS SCAM.
Along with this I am also seeking legal help has well.
|
| 07/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Company Midwest recovery systems. Months ago there was collections placed on my credit report by a different company. The amounts had already been covered by insurance. But a clerical mistake caused them to bill twice for multiple amounts. These amounts were from XXXX to XXXX. Beyond my states statue of limitations. The company before Midwest made threatening calls and after reporting their Behavoir and the company acknowledging the debts were not accurate the closed all accounts and they were removed from my credit report. Now it seems one of the same amounts from one of those accounts has been sold to another company even though it had been recognized as inaccurate and closed. I am hoping this is resolved quickly as I am receiving harassing calls that I have avoided so far. I dont think that its right that debt has been paid and mistakes are made then I have to deal with multiple collections over and over for the same amount that has already been acknowledged as inaccurate.
|
| 01/23/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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XX/XX/2016 agreement was reached with XXXX XXXX XXXX XXXX on behave of XXXX XXXX XXXX for a settlement amount of {$880.00}. Final payment of settlement was made XX/XX/2016. We have final settlement letter on hand. Since then we have been repeatedly contacted by multiple collection agencies attempting to make a collection for {$570.00} on behave of XXXX XXXX XXXX. There was only one transaction that was ever owed to XXXX XXXX XXXXo and that was settled. No other loans or transactions made with XXXX XXXX XXXX have ever gone into collections. Each time we have been contacted we have been threatened with legal action and/or arrest. Once explained that this matter should have been resolved and having offered proof the collector became more and more aggressive. We would like to have this permanently cleared from my credit and the harassment to stop. This has been going on for almost 4 yrs every 2 or 3 months and it is always a different agency calling with the same information.
|
| 10/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I am not understanding why this collection is still on my XXXX report! Midwest has said three times they sent a request to remove yet it is still on my report. See their below responnse : We have followed our dispute policy and have n't had any further communication with the consumer. No future follow up is planned. Our dispute policy is once we have received a dispute we immediately stop all collection efforts and send a record of dispute to all three credit reporting agencies. Then we request validation of the debt from our client and once that is received we forward that on to the consumer for review. If validation is unobtainable then we immediately send a record for deletion to all three credit reporting agencies and then close and return the account to our client. Additionally, in this instance a record for deletion has been sent to all three credit reporting agencies.
I want this fraud trade removed from XXXX ASAP or I will seek damages as allowed under the FCRA.
|
| 04/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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Midwest Recovery Systems, third party collection agency, for an original debtor, XXXX XXXX XXXX date XX/XX/XXXX. This debt was never verified. They never sent me a bill or proof of this debt. Already reported this in collection to XXXX XXXX back in XXXX. I disputed this back in XXXX, XXXX and it was removed from my Credit Report on XX/XX/XXXX.
I receive an alert from XXXX XXXX that there was a negative item reported to XXXX. I have called XXXX and are of no assistance. Though I have the credit from XXXX, XXXX and it clearly states this item will be removed on XX/XX/XXXX. It was, until it was re-reported again now. Same Company, same amount.
This situation has made me sick, I have worked diligently to rectify my credit for over 3 yrs. Letter, disputes, filing complaints. Now this again. How is this legal? This debt, whatever it is, is beyond the stature of limitations of reporting since it is from XXXX.
They are now starting to robo call me. As of today. XXXX
|
| 05/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On XX/XX/XXXX, I saw on my credit report that on XX/XX/XXXX a Midwest Recovery Systems put a dergatory report of {$880.00} for XXXX XXXX loan. Never heard of XXXX XXXX. The date opened was unknown and just showed up without any notification received from the debt collector. When I called Midwest Recovery Systems on XX/XX/XXXX and spoke to XXXX he said this came fr XXXX XXXX XXXX that XXXX XXXX had sent to them. He said it was opened in XX/XX/XXXX and charged off XX/XX/XXXX. He said I used a bank account in XXXX XXXX. I didn't live in XXXX XXXX at that time, nor did I have a bank account in XXXX XXXX at that time, nor did I take out this loan. I have received no mail of this to be able to dispute and ask for proof but he wanted my current mailing address and last four digits of my SSN number. I have had my SSN number stolen from XXXX security breach as well as my wallet stolen prior to this. I truly don't believe this company is legitimate or the debt is legitimate
|
| 01/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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This Company has place a Account onto my credit report on XX/XX/XXXX the date assigned was XX/XX/XXXX. I have attached the screenshot from my XXXX Credit Report. This company DID NOT notify me of any account before they placed this onto my Report. As you can see I had no time to Request A debt Validation nor Dispute that I am the owner of the debt. This company practices is in violation of the FDCPA Section 807 ( 8 ) ( this law is for said collection agencies ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Texas Finance Code Section 392.101 requires that a third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section.
|
| 01/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have a a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.
I request that XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 02/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I've receive a call from this number twice now. I XXXX the number and it was to the collection agency that I've already settled the debt with and has also been verified on my credit report. The issue is they ask for my name but they would not identify who they are associated with. They immediately call and ask for my name and if they are speaking me. But, both times I communicated I would like to know who they are and to identify the company they represent. Both times they shut down and this last call as soon as I asked they hung up on me.
Their means of communication is very suspect. Their means of handling debt claims is very unorthodox as well. I never received a notice in the mail or an explanation for the the dept or who turned in the debt that I allegedly owed. I just paid the XXXX dollars to get it off my credit report and now they are hassling me again.
I do not desire reparation, I just want this addressed and to no be bothered by them anymore.
|
| 03/05/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
MIDWEST RECOVERY SYSTEMS LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo.
XXXX XXXX # XXXX, has been sending me letters about an old accoun that they're stating is past due. I have never did business with this company period. This old account was paid off by myself by a pay day loan company called XXXX XXXX XXXX of XXXX Alabama, over 5 years ago and it was fully paid off. But at some point my name and account was SOLD to MIDWEST RECOVERY SYSTEMS LLC, and It should not have been sold at all because my loan was paid in full to the manager at that time, XXXX. I remember the person so well because she called corporate she said, and asked if they would accept a settlement pay off since I had paid on the original {$300.00} loan for over a year and one half. XXXX advised me that corporate approved a certain amount for me to pay, and I paid it that day. I never applied again for another loan from XXXX XXXX XXXX So, I do NOT OWE MIDWEST RECOVERY SYSTEMS ANYTHING.
|
| 02/27/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Received an alert from XXXX XXXX that a collection was added to my account. Logged into XXXX XXXX and called the company " Midwest Recovery Systems. '' Spoke with a gentleman named " XXXX '' who asked me for my social security which i refused to give. He then proceeded to ask for my name. I provided the name and the agent said that i took out a check into cash loan on XX/XX/2013. Agent forced me to pay it by saying today they report to all credit bureaus. I disconnected the call, and checked all my bank statements from the year 2013, a check into cash loan or any payday loan was not taken out.
I researched the company and found many reports where people have claimed this company has done the same to them and the debt was not legitimate. I am requesting that action be taken against this company and this fraudulent account be removed from my credit report. In addition, no correspondence has been sent to me and this showed up on my credit report overnight.
|
| 11/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Midwest Recovery Systems reported on XX/XX/XXXX a collection on my XXXX credit report for {$530.00}. When I contacted the number listed, they say the original creditor was XXXX XXXX and the debt is related to a XXXX payday loan. I was never notified of this debt, and when I requested detail on the specific debt, they were unable to provide it and referred me to a company with a disconnected number. I called the company XXXX XXXX that they say was the original creditor, and the company confirmed I never had any unpaid loans from them. I have disputed this charge with XXXX and am waiting on resolution to get it removed from my credit report. I do not understand how a company can just add a collection on a consumer 's credit report without any support or prior notice to the consumer. The credit bureaus need to address this issue, it has impacting a large number of consumers, judging by the number of complaints about this company and others like it on XXXX.
|
| 05/21/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company, which I hold no contract with nor have received services from, reported a collection account found on my credit reports from XXXX XXXX XXXX for the amount of $ XXXX. I've contacted the debt agency on XX/XX/XXXX, for more information regarding this debt and was repeatedly transferred to a representative 's voicemail ; in which absolutely none of my voicemail messages were returned. This debt was fraudulently placed on my report without my consent. I've requested verification of said debt account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services, nor have they provided adequate proof I am not obligated to pay for this alleged debt. Under section 611 ( a ) ( 5 ) ( A ) ( i ) states that all 3 credit reporting agencies must have the original signed paperwork in their physical possession before they can report it on said credit file. Nothing was furnished to me.
|
| 05/09/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a charge off from XXXX XXXX XXXX ( XXXX XXXX ) that was settled for about 50 % ( {$490.00} ) of the amount on XX/XX/XXXX. The payment was made on that day which closed the account out. This was paid directly to The XXXX XXXX XXXX before it ever went to collections.
On XX/XX/XXXX. Midwest Recovery Systems placed a collection account on my XXXX and XXXX credit reports for the amount of {$850.00}. Reporting the account as open and unpaid.
Midwest Recovery Systems has never sent me any collection letters before they added the account to my report or after.
I have attempted to contact them via email and their online messaging system in vain. I have also left a voicemail. I have not heard back from Midwest Recovery Systems.
So in the end Midwest Recovery Systems added a collection account to my credit reports without ever reaching out to me or trying to contact me AND they are trying to collect on a amount that was paid to the orginial creditor.
|
| 01/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I checked my XXXX XXXX account today, luckily. It now shows a derogatory mark on both my XXXX and XXXX reports. Supposedly this is for a {$700.00} debt owed originally to " XXXX XXXX XXXX '' that is in collections from " Midwest Recovery Systems. '' I have never even heard of XXXX XXXX XXXX. After researching online, it appears to be a payday loan company. I have never received any mail, any calls, anything from XXXX XXXX XXXX. I do not need and do not take out payday loans. Additionally, I have never received any mail, calls, statements, etc. from Midwest Recovery Systems. This is not my debt and I am furious it is showing up on my credit reports as I am saving for my first home. This has caused a HUGE drop in my credit score. I have filed disputes with both XXXX and XXXX. It is not showing up yet on XXXX. Please assist. My husband and I have worked very hard to build credit, save for a home, etc. and this is jeopardizing everything we have worked for.
|
| 10/23/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I sent certified documentation to Midwest Recovery Systems proving that I did not owe three collection amounts that they sent and repeatedly update to the credit reporting agencies. These medical bills were covered under charity care and I sent MRS letters from the hospital. I also sent this to the junk debt company before MRS -- XXXX -- and they deleted the information immediately. Although my letters were received by MRS , they choose to blatantly ignore me and FCRA laws and continue to harm my credit profile with impunity. They 've also re-aged ( dates are from XX/XX/XXXX, not XX/XX/XXXX ) and re-inserted illegally. The amounts in question are : {$37.00}, {$65.00}, and {$1000.00} ( originally only two accounts that they broke up into three to their benefit ) from XXXX XXXX XXXX which is associated with XXXX XXXX XXXX XXXX as indicated on the letters. Before I 'm forced to go to small claims court, I 'd like CFPB to step in. Thank you.
|
| 04/14/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have a collection on my credit report for a payday loan through MIDWEST RECOVERY SYSTEMS. This collection account was put on my credit report on XX/XX/XXXX, although I have never had a payday loan on my credit report. The collection agency states the account was closed in XXXX in my name. I have never had a payday loan and do not even know how they operate. I tried to dispute it with the collection agency and they say there is no way they I can contact XXXX XXXX because the account was closed in XXXX. I have NEVER received any bills from either MIDWEST RECOVERY SYSTEMS or XXXX XXXX Their is just a random collection sitting on my credit report. I have a 100 % payment history that spans 10 years and this is a major issue I want resolved quickly. Their number is ( XXXX ) XXXX BTW, this is what the " address '' of XXXX XXXX looks like XXXX : XXXX? XXXX & XXXX! XXXX! XXXX! XXXX! XXXX % XXXX, XXXX % XXXX? XXXX % XXXX! XXXX & XXXX! XXXX! XXXX & XXXX & XXXX
|
| 07/09/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
IMMEDIATELY WHEN I FOUND THAT MY CREDIT WAS BEING ILLEGALLY USED, I CONTACTED THE CREDIT BUREAUS TO HELP ME WITH THIS ON XX/XX/2019. THEY PROMISED TO INFORM ALL CREDITORS OF MY SITUATION. MIDWEST RECOVERY IS THE ONLY COLLECTOR WHO HAS FAILED TO RESPOND TO THIS URGENT MATTER. I HAVE CONTACTED THEM BY LETTERS AND BY PHONE REQUESTING REMOVAL OF THE FRAUDULENT ACCOUNTS AND HAVE BEEN IGNORED. ON XX/XX/2019 I SPOKE WITH XXXX XXXX IN MANAGEMENT AND SHE FAILED TO COMPLY WITH FCRA AND HIPPA LAWS AFTER THE MATTER WAS BROUGHT TO HER ATTENTION. MIDWEST RECOVERY IS IN VIOLATION OF FCRA 617,616,621,615,623A ( B ) ( 2 ) AND SECTION 605b OF FCRA LAW. TO MY UNDERSTANDING THEY SHALL BE SUED BY, FTC OR CONSUMERS FOR THESES VIOLATIONS FOR {$3900.00} PER INSTANCE. I DO NOT OWE MIDWEST RECOVERY ANY DEBT. MIDWEST RECOVERY HAS NO CONTRACT FOR DEBT WITH ME AND HAVE BEEN NOTIFIED AS TO WHAT THE BEST PROCEDURE FOR IDENTITY THEFT BUT REFUSED TO COMPLY WITH HIPPA/FCRA/FTC LAWS.
|
| 11/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Back in XXXX of 2014 I sustained a XXXX injury and was taken to XXXX XXXX at XXXX XXXX XXXX, XXXX FL XXXX. They stitched me up and presented me with a bill. At the time I was on hard financial times and very short on money. On XX/XX/2014 I personally visited the accounting/business office at this same location to make an offer of full and complete settlement for any and all charges due, in cash, that was accepted. I have a paid receipt signed by XXXX XXXX, Cashier at XXXX XXXX marked XXXX Bal Due in her handwriting. In turn XXXX XXXX has referred the ENTIRE AMOUNT out for collection multiple times. I have disputed this on my credit reports and had it removed multiple times. They have now sent it out again. After over 4 years of this nonsense I have had enough.
What they have done constitutes Civil Theft. They took my money then came after me for the full amount.
I will appreciate your kind assistance to resolve this matter.
XXXX XXXX XXXX
|
| 05/23/2019 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I served notice to Midwest Recovery requesting debt validation on XX/XX/2019. Due to the fact that they have not provided an updated address to the credit reporting agencies, the letter was forwarded multiple times but was ultimately received at their headquarters in XXXX XXXX, Missouri.
In the meantime, I filed a complaint with CPFB ( XXXX ) stating the same ; that Midwest Recovery has failed to validate my debt. I also disputed this debt with the credit reporting agencies. Midwest Recovery answered the CPFB complaint and stated that they would seek verification from their client, XXXX XXXX, and mail me a validation of the debt. They have not done so.
However, they HAVE answered the disputes that I filed with XXXX, the credit reporting agency, where they validate the debt and state that it complies with the FCRA. They last did this on XX/XX/2019. However, they have still failed to provide me with ANY documentation pertaining to this debt.
|
| 10/17/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Received notification of newly added collections account on XXXX XXXX from Midwest Recovery stating that I owed {$1300.00} to fictious original creditor XXXX XXXX XXXX XXXX. The account was opened with Midwest recovery XXXX XXXX does n't even include the original date they claim I received a pay day loan from the fictious XXXX XXXX XXXX XXXX company. Never once did I receive any written communication requesting that I confirm the debt in question. If the debt or account truly accurate my current address should have been in the file when transferred to Midwest Recovery for collections. I 'm more concerned that this another fraudulent account due to the theft of my identity in XXXX. This new claim has been posted on all three credit bureaus and has significantly dropped my fico score. Until then I will continue to dispute this company and how they conduct business illegally. They have violated the FCPA with there illegal reporting practices.
|
| 11/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
on XX/XX/XXXX Midwest recovery placed a collection on my XXXX report. I disputed the item with the credit agency, the consumer financial protection bureau and the company. I asked the company to provide me a historical payment history and the original contract terms. the company refused. XXXX gave the Midwest recovery systems 30 days to respond to my request or the item would be deleted. Midwest recovery never responded to the request from XXXX and the item was deleted from my credit profile. On XX/XX/XXXX, Midwest recovery systems illegally re-aged the collection account and reentered it again on my credit report with out notifying me of the new collection effort. Midwest recovery systems has called my job and asked for my personal information. Midwest recovery systems has also contacted my father and threatened to have me arrested if i did not pay this item. I am being harassed by this company and i would like some action to be taken.
|
| 07/28/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX, I ran my credit report on XXXX XXXX XXXX and noticed that I had new medical debt on each one of my credit reports. XXXX XXXX and XXXX XXXX. I contacted the company Midwest Recovery Systems. I told them that the debt was paid in full. Midwest Recovery System asked me to email them my proof of payment. He stated that that if it shows that I have already paid the account off that it would be removed on Friday XX/XX/XXXX. I sent my proof of payment the same evening. I called to follow up on XX/XX/XXXX. The company passed me from one person to the other. The last person spoke to said it would take 90days to investigate. I can not afford to have this derogatory information on my credit report for 90 days. I will be attaching proof that I made a settlement payment back in XX/XX/XXXX. This account was also sent to this collection agency by XXXX XXXX. Who is the original owner of the account I paid off through XXXX XXXX XXXX XXXX.
|
| 03/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
For your info I just recently put in a complaint for Mid West Recovery known as a scam Thos company know reported a collection account to my XXXX i dont see how that is legal because under Fair Credit Reporting Act never did i receive any debt validation letter or phone call from the # on my report so they violated therefore this debt is not validated by consumer and 30 dy is long expired Back inXX/XX/XXXX it was reported as an open account on XXXX and XXXX so XXXX should of been at same time reported that was suspicious After fighting to have this removed which XXXX did right away and i put a dispute with XXXX Know asking for this company to get tbis removed deleted Over a year know i been working on repairing credit and avoiding negative accounts Mid west recovery is in violation code 809 a for not sending debt validation letter first and before reporting to the bureaus a 30 day timeframe consumer was never given in order to respond
|
| 01/10/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I am sure that I have already paid this debt. I had gone to exhaustive measures to pay all the loans I had ever taken out several years ago and have not taken any loans out for many years.
They say this debt was from XX/XX/2012. I know that a few years ago, after XX/XX/2012 but I'm not sure what year I paid everything because I had the money to and I knew I probably wouldn't get another chance. Since then I've had continuous phone calls and debt collections activities target me because of what I believe to be what is called " Zombie Debt. '' These collectors will send phony letters or even try and collect on legitimate past debts that has already been paid. I called a lawyer and they told me to come here but that the CFPB has been gutted by Trump.
If you know of a good lawyer then email me their info because I would rather pay thousands to a lawyer now to make this stop than keep paying these XXXX every time they want to exploit me.
|
| 09/12/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Midwest Recovery Systems is reporting a collection to the credit bureaus that Ive never applied for or received. I have made several attempts to contact this agency in an attempt for verification, but to no avail. I have disputed this account with the credit bureaus, also requesting verification, but I have not been successful in my attempts through this course of action either. I have never been notified or received any notification of this debt or verification via signed contract and/or proof of deposit. I have never received a payday loan from XXXX XXXX XXXX XXXX or any other payday loan organization. This account does not belong to me and Midwest Recovery Systems can not validate this account as belonging to me. They have refused to properly notify me of this alleged account and refused to remove this account from my credit report. This account is fraudulent and the company appears to uphold and participate in fraudulent activity.
|
| 01/16/2017 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Was recently notified by XXXX, XXXX and XXXX XXXX XXXX that a collection account was added to my credit report by Midwest recovery Systems alleging an unpaid debt of {$660.00}. This is fraudulent as I have not opened any credit accounts with this company or the one listed as XXXX XXXX. I have reported this entry as fraudulent " account not mine '' per FCRA XXXX. I have also verified that Midwest Recovery has numerous complaints XXXX with XXXX for similar entries against other consumers additionally have multiple complaints filed with the CFPB all stating they were notified through credit monitoring service of a debt that they too did not open. Finally I have also researched the State of Florida licensing bureau and found that Midwest Recovery systems license to collect expired XX/XX/2012 i. The state of florida and another filing was denied. This unlawful practice needs to be addressed and removed completely from my credit report.
|
| 12/30/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
On XXXX, XXXX I received a credit notification that a negative item was listed against me, On review of my reports it was listed as Midwest Recovery System in amount of {$2600.00} for payment for XXXX XXXX XXXX. I was never contacted by Midwest about this account. Further more The amount that they request is the same amount XXXX XXXX XXXX stated I overpaid and sent a check to me, I called them and unsure about amount asked them to verify but in mean time was told to return check to car dealer which I did..check was not cashed by me.. ( Second ) date of first late payment was in XXXX not XXXX. Amount in question is incorrect account should be {$0.00} please research check amount submitted by Original creditor and returned as instructed to car dealership. check bank cashing information as I did cash check. Also regarding Midwest a review of my phone and mail history for certification of recipients shows no calls or contact history.
|
| 08/03/2019 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
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.
|
| 11/30/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XXXX XXXX I received a notification from XXXX XXXX that there was a change to my credit report. Upon checking my report I noticed an account sent to collections by Midwest Recovery Systems for a payday loan from XXXX XXXX XXXX that I did not take out. I received no notifications from either XXXX XXXX XXXX or Midwest Recovery Systems informing me of the debt nor were there any attempts to collect. My first time hearing of this account was when I received the notification from XXXX XXXX and signed in to check my reports. Furthermore, a XXXX search for XXXX XXXX XXXX turned up no results leading me to wonder if such a company even exists. I did not contact Midwest Recovery Systems as I fear this is a scam. Instead I disputed the items with XXXX and XXXX and filed complaints with the XXXX, the Missouri Attorney General 's Office ( Midwest Recovery Systems allegedly is located in Missouri ), and the Federal Trade Commission.
|
| 05/18/2019 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This is the third time I have attempted to resolve this charge that is not mine. XX/XX/19 the company told me within 30 days the charge would be changed on my credit report. XX/XX/19 the company said they sent a letter to the original lender ( which I dont recognize either one of these companies therefore I suspect fraud ), however nothing has changed in the past three week. This is my third attempt to resolve this. Midwest Recovery Systems sent me something in the mail to file fraud but it required me to write all my information including my social security number. Tell me, why would I send a paper with all my information to a company a suspect is committing fraud against me? That doesnt make sense AT ALL. I demand this debt be taken off of credit report. I know there is no evidence that this debt is mine because I have never even had contact with this original lender. I will continue to report this until it is resolved.
|
| 04/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, I received an alert from XXXX XXXX XXXX about a new collection account added to my credit file. Right away I contacted the listed collection agency on my credit file. I spoke to an agent who claimed that I got the wrong department and he transferred me Mr XXXX XXXX. I asked Mr XXXX to spell his name for me, he refused and hanged up the phone on me. I called back and informed him that I was going to report this to the office of the AG of Texas, he claimed he was going to transfer me to a manager and dropped the call.
Based on my credit file the account number is listed as XXXX. Back in XX/XX/XXXX I filled a case with the CFPB, complaint ID XXXX, and the complaint was resolved and the account deleted from my credit file as stipulated on CFPB complaint ID XXXX. Today, on XX/XX/XXXX, almost 3 years later Midwestern Recovery System is illegally and maliciously reporting this same account on my credit file.
|
| 06/09/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XXXX , I received an alert from XXXX credit monitoring about an new collection account added to my credit file. On XXXX , I contacted the listed collection agency on my credit file for the complete account number of the said account. On that same date, I wrote the collection agency a letter requesting validation of the debt. Attached to this complaint is a copy of that letter. I have also received confirmation from the USPS tha t the certified mail was successfully delivered to Midwest Recovery Systems. On X/X/17 I called Midwest Recovery Systems again and they either hanged up the phone on me or transferred my call from one agent to the next. On X/X/17 , I sent a fax to both XXXX and XXXX of the letter of validation that was mailed to MRS . After receipt of my request to validate the deb t, Midwest Recover y System continu es to report this debt to both XXXX and XXXX .
|
| 10/18/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Received calls from Midwest Recovery stating that there were two debts accounts they were collecting.
Issue One : The representative asked if I was XXXX XXXX. I said yes. He then rattled off the last four of my SSN, my address and email address ( which I did n't think they could do as I should have had to provide to them ). The rep said the call was being recorded so they should have proof of that.
Issue Two : I asked who the debtors are and they said XXXX XXXX and XXXX XXXX. I have never heard of these and said so. They said they were probably payday loans. I did have an outstanding debt from ONE payday loan which I paid. These debts are on my credit report. XXXX XXXX XXXX could not tell me the name of the payday loan services for either debt. The 'proof ' the sent me has the debtors name and an account number. How is debt that was paid once now be back Twice? Rep could not answer but offered a settlement.
|
| 11/06/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Midwest Recovery Systems reported a collection debt to my - Credit file on XXXX XXXX, 2016, - for {$840.00}.. I never received a 30 day disclosure of any collection activity. I filed for bankruptcy in XXXX and never knew anything about this debt until I reviewed my credit file and saw that it had dropped XXXX points as a result of this company. Midwest Recovery Systems has violated federal law by not sending me a 30 day notice to validate the collection to my address on file-. Again, this caused my credit score to drop - points and I intend seeking full restitution and damages if this is not removed from my credit file immediately. This is an illegal practice of debt selling and manipulation that violates the FCRA. If a collection company can report to a credit bureau then they sure can pull my current address to send me a letter regarding a debt. This item needs to be removed immediately from my credit file.
|
| 01/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX placed a collection on my XXXX credit report from " XXXX XXXX XXXX '' in the amount of {$500.00} stating the debt was XX/XX/XXXX. I have not only not received a letter allowing me to disputed this collection as required, I have no knowledge of this debt or the original lender.
I contacted them by phone today and they referenced an email address and bank account that hasn't been opened since XX/XX/XXXX which makes me think they are re-aging a long expired debt that is out of Sta
tue of Limitations to collect on.
I was offered that I could pay to have it deleted instead of going through all the hassle of disputing it which also sounds fishy and illegal.
This fraudulent collection on my report has now caused great harm in my prefect credit report with no blemishes and lowered my score by more than 60 points.
|
| 11/14/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XXXX XXXX 2017 midwest Recovery placed a derogatory item on my credit report without written notification of debt or attempt to collect a debt. I have no idea what this debt is for nor was I given any written notification of such debt before it was placed on my credit bureau report. This is a direct violation of FCRA 623 ( a ) ( 7 ) ( G ) ( i ). I attempted to dispute the debt through the credit bureaus ; however was told that the debt is valid but I am unable to obtain information as to what the debt is for or given the appropriate opportunity to dispute or pay. Based on my credit report information it seems to be a medical bill ending in XXXX and the lender information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. This is a direct reflection of UDAAP specific collection tactics as I should be provided notification before this is reported or at least 30 days after it being reported of what the debt is.
|
| 09/16/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
THIS IS MY SECOND COMPLAINT ABOUT THIS COMPNAY BECAUSE THEY LIED THE FIRST TIME ABOUT SENDING ME INFORATION ABOUT A DEBT THAT THEY HAVE LISTED ONMY CREDIT REPORT. AT THIS TIME I STILL HAE NOT RECEIVED ANY INFORMATION FROM THIS COMPANY AT ALL ABOUT THE DEBT THAT THEY HAVE LISTED ON MY CREDIT REPORT. ALL I HAE EVER RECEIVED IS ONE PHONE CALL AND I HAVE CONTACTED THEM SEVERAL TIMES ASKING THEM TO VALIDATE THER DEBT. APPARENTLY IT IS TIME FOR ME TO SEEK LEGAL COUNSEL BECAUSE THIS COMPANY IS CLEARLY A FRAUD AND LIES A LOT. I HAVE REPORTED THEM TO MY STATE ATTORNEY GENERALS OFFICE AND THIS IS MY SECOND COMPLAINT TO CFPB. YET THIS COMPANY CONTINUES TO EPORT FALSE INFORMATION TO CREDIT BUREAUS AND HAS NOT SENT ME ONE PIECE OF INFORMATION NOT EVEN THE ORIGNAL 609 LETTER. I HAVE SENT THEM MAIL AND THEY HAVE IGNORED IT. THANK GOD I HAVE A PAPER TRAIL FOR LEGAL PURPOSES. THIS COMPANY SERIOUSLY NEEDS TO BE INVESTIGATED.
|
| 01/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX, I became aware of fraudulent activity against my credit through my membership in XXXX XXXX , through XXXX XXXX . Two CRAs, XXXX and XXXX are listing 2 separate attempts from Midwest Recovery Systems,XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX MO XXXX to obtain money in the amounts of {$4100.00} and {$3300.00}. XXXX lists the original debt as from XXXX, location unknown. This is likely a check cashing/payday loan operation. I have never used this company 's services, nor that of any other such entity. It should be noted that I filed fraud complaints in XXXX that were of a similar nature e.g., loan shops. Those complaints were investigated and resolved as fraud against my name and confidential information.
The XXXX XXXX XXXX I spoke with on XXXX said that sometimes these old files are resurrected and sold to another entity. The amounts in the prior fraud were approximately {$4000.00} and {$2500.00}.
|
| 11/19/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I WAS NOTIFIED BY XXXX XXXX THAT MIDWEST RECOVERY PUT XXXX IN COLLECTION ( RECYCLED COLLECTION 3RD PARTY ) FROM XX/XX/XXXXTHIS WAS CANCELLED BY THE STATE OF WISCONSIN BACK IN XX/XX/XXXXTHIS COMPANY WAS A PAY DAY LOAN THAT OVERCHARDEG HIGH INTEREST, IT WAS REMOVED FROM MY CREDIT REPORT, NOW IT WAS OPEN AGAIN ... ..FOR XXXX DOLLARS THIS COLLECTION AGENGY FAILED AND BROKE WISCONSIN AND FEDERAL LAW I THINK -- -- 1 THEY FAILED TO CONTACT ME BY MAIL WISCONSIN LAW CH 427 WISC STATS 30 DAYS MY RIGHTS THAT I HAVE ALSO ENFORCING PAY DAY LOANS IS NOT LEGAL IN WISCONSIN ... ... THAT ALSO INCLUDES WITH FEDERAL LAW THAT THEY FAILED TO CONTACT IN WRITING, THIS IS CAUSED MY CREDIT SCORE TO GO DOWN BY 40 POINTS, I AGAIN THIS DEBT WAS TAKING CARE OF BACK IN XX/XX/XXXX ... LOOKING ON THE LAW THE VIOLATED THE FAIR CREDIT ACT USC 1681 SUBJECT TO XXXX DOLLAR FINE I WANT THIS REMOVED RIGHT AWAY, AND NOTICE TO THE CREDIT BUREAU
|
| 09/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2019 I received notification regarding an alert for a change appearing on credit report. Upon checking my report I noticed a collection account fro. Midwest Recovery Systems. The account lists XXXX XXXX XXXX XXXX XXXX as the creditor with an amount of {$680.00}. I've yet to and received as per their Fair Debt Collection Act section 809 which states the consumer must receive notification of the debt within 5 days of the agency whom acquired the debt. Midwest Recovery has clearly violated the Fair Debt Collection Practice Act as well as my consumer rights. I have also sent Midwest Recovery Systems an affidavit of denial XXXX Not verification ) because this debt never belonged to me. MIDWEST RECOVERY HAS not responded and it has been over 30 days since this account has been reporting on my credit report. I recently was denied credit due to this inaccurate information which is totally unacceptable.
|
| 05/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX , MO XXXX Phone : ( XXXX ) XXXX Has reported a totally FALSE debt on my credit report. Here is the explanation to XXXX , the credit reporting agency. This is NOT MY DEBT. It does not belong to me. There is no verification or proof that shows that it belongs to me. This is a SCAM. They have DINGED MY CREDIT REPORT WITH BOGUS INFORMATION. Midwest Recovery Systems, LLC ; Collection Reported XXXX ; Assigned XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; Amount {$850.00} ; Status as of XXXX Unpaid ; Date of 1st Delinquency XXXX ; Balance as of XXXX {$850.00} ; Individual Account ; Account # XXXX ; ADDITIONAL INFORMATION Consumer Disputes This Account Information ; Collection Account ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX : ( XXXX ) XXXX
|
| 12/19/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I received harassing phone calls from an XXXX XXXX stating he was calling on behalf of XXXX XXXX XXXX. He called me at least 5 times within a 2 hour period, and left messages stating I 'd be responsible for a debt and continued to recite my personal information to include my social security number. I received at least 10-20 phone calls over the span of 12-24 hours, and continued to receive harassing phone calls, even when I told them to stop calling, because I did not know who they were. I had to block the phone numbers they called from, because the phone calls would be disruptive during the work day, and they would not stop. I filed an Identity theft affidavits with the IRS and notified XXXX and XXXX to place fraud alerts on my accounts. I saw an alert that an account was added to my credit report ( XX/XX/XXXX ), by the name of MIDWEST RECOVERY SYSTEMS, on behalf of XXXX XXXX XXXX XXXX.
|
| 06/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
To who m it may con cern, I have a collection account on my file from a collection agency name d : ( Midwest Recovery Syste ms ). The accoun t is as follows : XXXX XXXX XXXX , XXXX account # XXXX . Please be advised that I am disputing this collection due the fact ( Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , MO XXXX ) does not currently have a valid license in ( Florida ) to collect on debts. This information is stating that their license is currently ( Expired/Denied Tech ) according to FLORIDA OFFICE of FINANCIAL REGULATION S ( address : XXXX XXXX XXXX XXXX XXXX , FL XXXX ). I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me physical pro of ( Midwest Recovery Systems ) is licensed to collect debt in ( Florida ). Your immediate response will greatl y be appreciated.
|
| 02/14/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2019 I was checking my Credit Bureau Reports and notice a collection account on two of my Credit Bureau Reports. Mainly XXXX XXXX and XXXX Reports from MidWest Recovery System for {$1200.00}. This Collection Agency have violated 809. Validation of debts, by failing to Validate this debt and to give me a right to dispute this collection within 30 days from notification. I have no clue who they are nor the Date of debt or the original Creditor. They have used two different mailing address and contact numbers to report this collection on the credit Bureau 's with partial display of a account number. This Collection Agency have failed to send me a notice of debt before reporting it to a Credit Bureau. I have not been given the Right to dispute the debt in pursuit of section 809 of The Fair Debt Collection Practices Act. I live in the State of Texas and we also have a Stature of Limitation.
|
| 05/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
To whom it may concern, I have a collection account on my file from a collection agency named ( Midwest Recovery Systems ). The account is as follows : XXXX XXXX XXXX account # XXXX . Please be advised that I am disputing this collection due the fact ( Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX ) does not currently have a valid license in ( Florida ) to collect on debts. This information is stating that their license is currently ( Expired/Denied Tech ) according to FLORIDA OFFICE of FINANCIAL REGULATIONS ( address : XXXX XXXX XXXX XXXX XXXX , FL XXXX ). I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me physical proof ( M idwest Recovery System s ) is licensed to collect debt in ( Florida ). Your immediate response will greatly be appreciated.
|
| 04/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Please be advise that this account was recently deleted from my XXXX Credit report due to identity fraud. The account ( XXXX XXXX XXXX # XXXX ) was previously owned or placed in collection on behalf of XXXX XXXX whom apparently has sold this fraudulent debt after being notified from myself and XXXX to MIDWEST RECOVERY SYSTEMS. Now this same account with a balance of {$150.00} is reporting on my XXXX credit file with MIDWEST RECOVERY SYSTEMS as the collector. There are several violations due to this activity. XXXX is at fault for re-reporting fraudulent blocked information. XXXX XXXX XXXX is in violation for re-selling a debt that was from the direct result of identity theft. MIDWEST RE COVERY SYSTEMS failed to send any initial 5 day notice of them taking ownership of the debt before placing on my credit file. This debt must be removed or I will consult with a consumer attorney ASAP!
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| 11/23/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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A collection account showed up on my credit reports for Midwest Recovery Systems. They 're phone number is listed as XXXX. They 're address is listed as XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. They show original creditor as XXXX XXXX. 1. I have not ever received debt verification or any correspondence from the collection agency. They say the account was placed in their office XX/XX/XXXX for debt dated XX/XX/XXXX, yet they have never contacted me. 2. I have never done business with CP Investors. I have not ever been contacted by them for any debt.
I believe XXXX XXXX to be a scam and Midwest Recovery also. They failed to notify my of any account in their office within 30 days and reported a, fraudulent account to the credit bureaus. I would like the account removed immediately and Midwest Recovery held accountable for failure to comply with the law. What they are doing appears to be fraud.
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| 05/29/2018 |
Yes |
- Debt collection
- Payday loan debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I noticed a week ago via a credit alert that a collection account from XXXX XXXX XXXX XXXX was placed on my credit report. I was unaware of the account and called the company on XX/XX/XXXX requesting the account be validated because I did have first hand knowledge of the debt. I also received no notice this account was about to go into collections prior too. I was told I had to validate the account myself via XXXX XXXX XXXX XXXX XXXX because that is where the funds were deposited. the account is from XX/XX/XXXX and I am almost certain I had no account with this bank past XX/XX/XXXX.
I am 100 % sure that this company legally has to send me some written validation regarding the debt they claim I owe. I looked up the original company who states I owe this debt ( XXXX XXXX ) and they are out of business so I have no ability to call them and validate if this account is real nor not either.
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| 08/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Midwest Recovery Systems opened a collections account on my credit reports on XXXX XXXX, 2017. The only reason I know this is because I have a XXXX XXXX account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then Midwest Recovery has come along to make this achievement short-lived. The original creditor listed is XXXX XXXX. There is an issue with this listing. I tried to XXXX XXXX XXXX and found NOTHING. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I recieved no documentation of this alleged debt. I have no contractual agreement with Midwest. I ca n't any information about this false debt. This fraudulent charge is hurting my credit report.
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| 08/13/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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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.
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| 11/07/2016 |
No |
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- Received a loan I didn't apply for
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Web |
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I received an alert from my credit monitoring system that I had new changes. When I reviewed, there were XXXX new collections, dated XXXX from Midwest Recovery for XXXX XXXX for XXXX and XXXX XXXX for XXXX. I then contacted Midwest Recovery because I have NO knowledge of these debts. They informed me that they were payday loans take under my SSN through my personal email on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX respectively and in my former name. I did not take out these accounts and have n't used my former name since XXXX. I also do not hold a bank account with the bank that the funds were deposited into and never have ( XXXX ). I was told to file a fraud report with my local police department and have but they will not remove the items from my credit report and they do not belong to me. I went to the FTC website to learn what I needed to do about the fraud and it directed me here.
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| 06/22/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
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I've previously submitted a complaint to CFPB on XX/XX/18 about these alleged debts from Midwest Recovery Systems. Per their response, I would receive verification of these debts via mail. I haven't received absolutely anything from Midwest Recovery Systems regarding these alleged debts. I've requested verification of said debt accounts however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services, nor have they provided adequate proof I am not obligated to pay for these alleged debts. Under section 611 ( a ) ( 5 ) ( A ) ( i ) states that all 3 credit reporting agencies must have the original signed paperwork in their physical possession before they can report it on said credit file. Nothing was furnished to me.I demand that these accounts be removed from all three ( 3 ) reporting credit agencies please.
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| 03/27/2018 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX XXXX deposited around {$400.00} into my account as a payday loan. They took out 2 payments or so from my bank which exceeded the amount that was borrowed. XXXX continued to try and take money from my bank account even after the loan was paid off because they were trying to charge extreme interest fees. I informed them that it was illegal in California and that I paid the loan in full. Now over 5 years later, I checked my credit report and see a collection account from Midwest Recovery Systems for {$780.00}. I called them to ask what is was regarding and they informed me that it was for a payday loan and they reminded me that I made 2 payments. I informed them what XXXX XXXX XXXX was trying to do is illegal in California and by their own admission I had made 2 payments on a {$400.00} loan and that is was paid off. They are still dinging my credit report over and over.
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| 10/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/XXXX, I got a notification from XXXX XXXX that there were three derogatory marks on my credit file. All three were from XXXX XXXX XXXX, one for {$1200.00} and two for {$270.00}. The company said XXXX. I have never heard of this company. I called the number and stated I did not owe this money and requested they send me a validation of debt. I never received anything. The {$1200.00} report says I have paid -25 % ( overpaid? ) of the debt ( {$1000.00} ) and the two {$270.00} reports say I have paid 73 % of the debt ( {$1000.00} ). I submitted a dispute with XXXX and XXXX. XXXX deleted all three collections from my report. XXXX also deleted them, but all three were back onXX/XX/XXXX. I would like these marks deleted from all of my credit files as I do not own them, I never received a validation of debt, nor did I get any notification prior to them showing up on my report.
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| 07/22/2019 |
Yes |
- Debt collection
- I do not know
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- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
Older American |
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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!!!!!!!!!!!
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| 05/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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|
Web |
Servicemember |
|
I checked my credit report and noticed that Midwest Recovery is on my credit report. I obtained their number from conducting research. I also obtained their address from the XXXX XXXX XXXX as it is as follows : XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. I have disputed this debt in the past. It appears that this company has modified the date to XX/XX/2020 as if I opened a Payday Loan on this day. I have no reason to get a Payday Loan. I have no financial need for a Payday loan.
If you go to XXXX website or to XXXX period, you will see that this company has some illegal business practices going on and appear to be conducting business in a " sketchy manner '' to say the least. This is not my debt. I did not get a Payday loan on XX/XX/2020.
Also, for future references, how long can a debt stay on your credit profile? Can a company purchase debt that is over 7 years old?
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| 01/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Got a call from Midwest Recovery Systems XXXX spoke to XXXX on XX/XX/XXXX at XXXX EST about a debt that appeared on my credit report on XX/XX/XXXX. He stated it was from a loan from XXXX XXXX XXXX from XX/XX/XXXX via XXXX XXXX of XXXX Florida for {$5000.00}. Stated that I owed {$7900.00} on the loan. I live in Ohio and have never opened any accounts in Florida he stated I needed to file a police report and he would send the documentation over to me. I never received anything from him or anyone else. I monitor my credit report closely and this has never been on any reports. I found there are over 600 complaints in the last three years similar to this against this company which has resulted in the XXXX revoking their Accreditation. While I will still file a police report I also wanted to file a complaint with CFPB as I am sure there are others dealing with this same scam.
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| 04/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I am lodging a formal complaint against midwest recovery system. this debt collector has reported 3 derogatory accounts on my credit reports, in the amount of {$1100.00}, {$790.00}, and {$400.00}. Midwest recovery has violated the fdcpa/fcra, i have never recieved a dunning notice from midwest recovery which allows me 30 days to dispute validity., ive lived at the same address for 16 years check my mail everyday never recieved nothing not even a phone call. this is happening at the worst time as im in the process of purchasing my very first home for my family and i. im being told these errounous accounts are holding me back, which is heart breaking to my family. i am requesting immediate deletion of these accounts from my credit reports immediately. XXXX XXXX XXXX and attorney general complaints will be filed if these accounts are not deleted. thank you for your time.
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| 07/24/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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I received a credit monitoring alert regarding a collection for Midwest Recovery Systems in regards to a payday loan in the amount of XXXX from XXXX XXXX XXXX. I was never notified via phone, email, or mail of this debt to dispute this. This debt also is over 10 years old and the company XXXX XXXX XXXX notified me via mail this debt was forgiven over 10 years ago due to how it was obtained without my knowledge. Midwest Recovery somehow got a hold of this non-debt and is attempting to collect illegally let alone report it to the credit agencies without notifying me first. Per my XXXX report it was opened on XX/XX/18 and reported on XX/XX/18 and i got a notice from my credit monitoring on XX/XX/18. I have filed a XXXX complaint and will be contacting my lawyer once I receive notice from this company of validation of such debt and when I was notified as I was not.
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| 12/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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please make sure this trade is removed from ALL CRAs. I received notification this was added on my TransUnion report after you stated you sent a record of deletion. Please provide the deletion ID number for reference. See your response below : We have followed our fraud/identity theft policy and have n't had any further communication with the consumer. No future follow up is planned. Our fraud/identity theft policy is once we have been notified of this that we try to obtain a police report from the consumer to provide to our client. We immediately stop all collection efforts and send a record for deletion to all three credit reporting agencies. This deletion will be sent on XXXX/XXXX/XXXX. Please allow 30 days for the credit reporting agencies to update their records. Then we close and return the account to our client for them to further investigate the matter.
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| 01/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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I received a notification from XXXX that I had an account in collections in the amount of {$200.00} from creditor XXXX XXXX XXXX XXXX. This was being handled by a collections company called Midwest Recovery Systems.
I have no such account, never heard of XXXX XXXX XXXX XXXX, do not EVER use pay day loan services, received no notification from Midwest by phone, email or mail that an account was in collections.
I suspect my information was bought or stolen. Some research online revealed that this is a common complaint with Midwest Recovery. How was this information not validated before this was placed on my credit report?
This is complete and total fraud and identity theft. I want this collection charge removed from my credit report immediately and I want written notification from Midwest that my information will not be used for fraudulent purposes again.
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| 10/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Older American, Servicemember |
|
I was notified by Midwest Recovery Systems, LLC. of a debt of {$1700.00} forwarded to their office for collections by XXXX XXXX XXXX for collection of debt. The referenced debt is for professional medical fees generated by an emergency admit ( dos XX/XX/2014 ) to XXXX XXXX Hospital which is a VA approved medical facility. All entities was billed and processed for payment except it seems for the original provider XXXX XXXX XXXX XXXX. The claim was resubmitted to XXXX XXXX Billing Dept. and processed for payment. Attached are the explanation of benefits and a letter from the Veterans Administration informing the various entities that the payment received represents payment on full for services rendered. I am a XXXX XXXX veteran listed as XXXX XXXX XXXX and as such I do not generate any patient financial responsibility for claims generated by any VA facility.
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| 06/28/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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On XX/XX/XXXX I checked my credit report to see a new account listed in collections from Midwest recovery systems with account originating from " XXXX XXXX XXXX XXXX '' for the amount of {$280.00} that had been paid down recently by 12 % and is not {$250.00}. This was very suspicious because I've never even been to a XXXX XXXX XXXX store nor have I made any kind of {$30.00} payment towards a Payday loan. I checked online to see what the requirements were for application for a Payday loan and it was paystub photo id etc. So someone must have all these types of verification documents about me enough for the Payday loan company to approve the loan. Or this Midwest recovery systems company is doing something very shady and unscrupulous with my identity. What boggles my mind then most is : who what and where is the {$30.00} coming from to pay down the account?
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| 08/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
|
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Hello, my name is XXXX XXXX. I am reporting this complaint to the CFPB due to the lack of XXXX/XXXX XXXX to remove this account from my credit bureaus and they are reporting it as derogatory and past due. This account was sold to Midwest recovery systems, XXXX XXXX XXXX. The account was paid off in full and they agreed to remove the account from my credit report. I filed an dispute with XXXX, XXXX, XXXX and they reported that XXXX/XXXX says that I still owe on this account and they don't own the account anymore as it was sold to the third party agency. I called XXXX/XXXX and they stated that they no longer have my information and they are not allowed to send me a letter to remove it from my credit report as stating it was sold to a third party agency. If we can get this removed this will be great. It stressing me out and holding me back from my life.
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| 02/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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The company Midwest Recovery Systems has fraudulently and illegally placed their information against my social security number and it's causing great harm to my report. I tried to explain to this company that this account is not mine as I have not signed a contract with them. This account is fraudulent and was made without my consent. I tried to explain to this company that this doesn't belong to me. They have sent no verification of debt or a right to dispute the debt before reporting on my credit. This is the only thing on my credit profile that's holding me up and it's not my responsibility. This company is a scam and doesn't care about consumer rights. I am not obligated to pay this account as it's not mine. I will take legal action if this account does not stop reporting against my social security and is removed immediately from my credit report.
|
| 01/18/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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MIDWEST RECOVERY SYSTEMS LLC # : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , MO XXXX ( XXXX ) XXXX Placed for Collection : XX/XX/2019 Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$300.00} Date Updated : XX/XX/2019 Original Amount : {$300.00} Original ChargeOff : {$0.00} Original Creditor : XXXX XXXX XXXX ( Financial ) Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PLACED FOR COLLECTION This showed up on my credit report which I monitor. I recently had a bankruptcy just fall off. Just as soon as I seen it I disputed it. XXXX says it is a company no longer in business which would be the orginal creditor XXXX XXXX XXXX. I have had online installment loans, but never online payday loans. This is not my account. I have never once recieved a notice stating I owed a bill or a email for that matter.
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| 12/31/2015 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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Midwest Recovery Systems has placed a debt of {$430.00} on my credit report claiming it comes from a company called XXXX XXXX XXXX which is false and I do not owe this debt. Midwest recovery Systems has never once sent me anything in writing to give me the opportunity to dispute it, but they never did that which is illegal and they went ahead and placed it on my credit report. I filed a complaint on here against XXXX XXXX ( case # XXXX ) and it came back that the Insight could not respond and they believe I am a victim of fraud.. How can Midwest Recovery Systems just place something on my credit report with never verifying the debt. also, there are many complaints against insight capital who tries to fraudulently collect on payday loans, which are illegal in the state of ny, illegal to give in any way shape or form and also illegal to collect on.
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| 11/07/2016 |
No |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
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|
Web |
|
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An agency known as Midwest Recovery Systems contacted me on XXXX/XXXX/16 via the phone stating I was about to be served with legal papers. Since I have heard this scam before, I yelled and them and hung up. I found an entry on my XXXX credit report today that dropped my credit score by XXXX points which alleges I owe {$680.00} to a company known as " XXXX XXXX '' which I have never heard of and have never done business with. I never received any written communication from this company nor anything stating I have a right to request verification and dispute this so-called " debt '' as per the Fair Debt and Collection Act. They have harassed me and placed a mark against my credit for a matter I know nothing of which appears to be downright fraudulent. I have requested an investigation with XXXX and also to never be contacted again by these people.
|
| 07/18/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
We have received 5 calls a day from a collection agency Midwest Recovery System, that are all robocalls asking for us to call.
They have been spooking their phone numbers, and just yesterday, I got calls from XXXX, XXXX, XXXX, XXXX and one other that I deleted that was from area codes XXXX. Three left messages, as I was not near my phone, and it went to voicemail. They left different return calls XXXX and XXXX.
They are using multiple numbers, and this is for a debt that we have told the original physician 's office that we want detail, and they told us directly that they would not provide details of the charges.
I have asked Midwest Recovery Systems to stop calling, and that they can only send regular mail, if they can provide a itemized detail for the charges, otherwise, they can stop all contact. XXXX XXXX then started to threaten.
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| 11/11/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
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I recently have been working on my credit and when I got an alert from Midwest recovery for collections - I was shocked. Not only am I unable to verify any correspondence since 2012 - when they are saying the account was open but they have the incorrect address on file. I do n't understand how after 4 years this can pop up without any prior notice. I 've had the same address for over 3 years and has been updated on all my credit reports. If they were to properly provide a notice of attempt to collect a debt - they could have easily found my home address. In XXXX Carolina, by law a debt collector can not continue to attempt to collect a debt without good faith attempt to contact the individual. I have not been contacted at all. Please help in getting this off of my credit reports and have the company provide proper service proof of debt.
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| 03/26/2019 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I disputed this debt from Midwest Recovery Systems on XX/XX/18 with CFPB and on XX/XX/18 Midwest responded back that their client was unable to validate and a record of deletion would be sent to all 3 credit reporting agencies. That was never done but after a little back and forth with Midwest the debt was deleted from XXXX and XXXX but not XXXX. I tried to contact Midwest again but nothing was done. I also contacted XXXX and I sent XXXX the response in which Midwest stated a letter of deletion would be sent to all credit reporting agencies and XXXX keeps stating debt is valid but it clearly not. It is way over the 30 days in which Midwest Recovery Systems stated it would take to have dent removed and XXXX still has debt on my credit report. I am still in the house buying process and this invalid debt needs to be deleted by Midwest.
|
| 08/06/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midwest Recovery Systems is reporting I owe {$320.00} dollars for a payday loan. I have never been contacted regarding this debt nor sent any documentation proving is mine. I disputed this wrongful reporting on my credit reports and they are still not sending me written proof that this belongs to me. This charge as of today is currently being reported on my XXXX and XXXX reports. They both have different contact information. This is fraudulent and incorrect reporting. I need this to be investigated and complete and for it to be removed as this is a fraudulent attempt to tarnish my credit. The open date states XX/XX/2018. I have not opened any payday loans.
MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
|
| 07/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
A company called Midwest Recovery System is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$1200.00} but I have never done business with them and I have never received any letters or notices from them. Why did they not send me a notice of my right to dispute this debt before they reported it to my credit? The account number on my credit is : " XXXX ''. I only found out there was an account on my credit report when I checked my credit recently and it was pointed out that I had a collection. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
|
| 01/07/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
The company Midwest Recovery Systems put a collection on my XXXX credit report, that had been previously removed by XXXX when it was found to be fraudulent. I contacted them at XXXX. Their address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX. Apparently they were hired by a company called XXXX, whom apparently wound up with this debt. The last payment by whomever was reported XX/XX/2013, and as I stated this has already been determined to be fraud and removed by XXXX, so how can it now be put back on because some company goes out buying debts, fraudulent or not. There is a report on file with XXXX County Sheriff 's Department, they told me to get it and send it. I live in NH and am XXXX. I told them they gould get it under the freedom of information act.
The original company was XXXX XXXX who is no longer in business.
|
| 02/19/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
On or about XX/XX/2018 I discovered through XXXX XXXX that a negative collection account by Midwest Recovery was placed on all three credit bureau files. I immediately wrote to them on that date requesting validation not verification of the debt. I never received any written information from them regarding the debt and my right to challenge such prior to my discovery at XXXX XXXX. Nothing within my credit files indicates that I have challenged their listing and the account is listed as " in dispute ''. Research regarding this firm indicates this is typical behavior on their part. I do not believe I ever had a loan with XXXX XXXX which is the firm they claim to represent and has been fined by the CFPB. Their previous pattern of behavior leads me to believe they will be unable to comply with my validation request or simply ignore.
|
| 10/16/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American, Servicemember |
|
On XX/XX/XXXX I discovered a collection on my credit file, I never received a letter, email or anything about this company ... MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX MO XXXX on XX/XX/XXXX, I called their # XXXX.
I was told that the " debt " is to XXXX XXXX, an online loan going back to XX/XX/XXXX!
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX acct ... XXXXXXXX for XXXX XXXX. I HAVE NOT DONE ANY ONLINE BUSINESS WITH THIS COMPANY! ... .EVER.
So, I asked for debt verification, the loan amount, where and when did you send the " money ''?
was it a bank account? what bank account? who 's banl account? what terms? what payments?
NO INTELLIGENT ANSWERS, from MIDWEST RECOVERY SYSTEMS!
BUT the collection is on my credit file, it only dinged my credit 10 points ... but IT IS BOGUS, FRAUDULENT AND A SCAM!
|
| 07/13/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I never had an account or ever heard of original creditor : XXXX XXXX XXXX XXXX XXXX? Received a call on XXXX XXXX on X/XX/2017 ( Ph # XXXX ), with someone named XXXX from Midwest Recovery System, she asked me for my personal information at the beginning of call and since I get similar calls like this that are scams, I did not give her any information and told her do not call me again, she stated that she had all my numbers and will send me a letter ( based on that ) I also sent the company a letter in writing not to contact me thinking that this was just another scam. The week after I checked my credit report and saw that Midwest Recovery System put in a {$5000.00} negative report? I never received any letters before my request not to contact me from Midwest and never did business with XXXX XXXX XXXX, please help.
|
| 07/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I took out a payday loan with the XXXX XXXX in XX/XX/XXXX. The total loan amount was for {$1200.00}. Over the course of the next 7 months I paid back {$1800.00} ... which is way over the original loan amount plus interest. In the state of NC payday loans are illegal and I was advised in XXXX XXXX by the states attorney generals office that I only had to pay back the principal and nothing else. Because I had paid back the principal and interest I paid nothing else. I sent cease and desist letters and never heard anything else from them. Fast forward to XX/XX/XXXX ... 5 years later, a collection shows up on my credit report with Midwest Recovery for {$1700.00} from the cash line! Midwest recovery has never sent me a letter, phone call or anything for this ridiculous debt! This should be removed immediately from my credit report!
|
| 05/26/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I dont have exact dates but this collection company showed up on my credit report ( Midwest Recovery for {$180.00} ) had contacted them and they wanted my SS # to talk with me and I refused. They claim {$180.00} is from a medical bill from XXXX XXXX I never was there!! they did say it was for a XXXX XXXX, but not mine. I tried several attempts with XXXX to get this resolved but they are a joke..But XX/XX/10 of this year had to go for XXXX for my XXXX and the XXXX office ( XXXX XXXX XXXX XXXX XXXX XXXX ) had my info. in computer as XXXX XXXX. XXXX XXXX, wrong phone # etc ... NEVER lived there, I gave current address of XXXX XXXX XXXX XXXX Pa. XXXX to XXXX. visit and they claim they had the wrong person as me.. This is not fair that companies can pit a claim or hard hit against my credit report even when I have a lock on it
|
| 10/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
My Minor nephew signed me up for a XXXX XXXX membership without my approval or knowledge. Once I found out I called to cancel, but they ( XXXX XXXX ) said they could not because it was a years term. I explained I did not authorize the membership, I did not make the sign up, I did not ever activate the membership nor ever use it! They did not care.
I started receiving collection calls over and over from XXXX XXXX and I explained the same thing, they didn't care.
NOW, all the sudden, WITHOUT written notice, I noticed today I have a collection account on my credit report showing I have a collection from Midwest Recovery.
I received a call from MWR and told them I did not authorize this account, and I was told I would be removed, this was 2 days ago, now there is a collection ... THE ONLY NEGATIVE ITEM ON MY CREDIT REPORT.
|
| 05/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I got a notice on my XXXX XXXX file of a decrease in my credit score today on XX/XX/XXXX. I logged in and see that there is a company called Midwest Recovery Systems that has placed 2 medical collection accounts on my credit report with dates of service and date of first delinquency in XXXX. I have never received any information about either of these debts. I do not recognize them and do not believe they are mine. They are listed as {$460.00} and {$710.00} dollars on my XXXX and XXXX reports from a hospital. Under type of debt it is blank. These debts are not mine, and I have never received any information pertaining to these debts and have not been given the opportunity to dispute them.
Thank you.
The creditor information listed is : MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
|
| 11/08/2016 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Received alert today of a negative item was posted to my credit report. Contacted Midwest Recovery Systems to find out what this item was. I talked to XXXX XXXX, who was rude, distrepecrltful and very unprofessional who told me the creditor was XXXX whom I had a payday loan with in XXXX 2012. I have never heard of nor did any business with company. Told him I never received anything in the mail regarding this collection. He said no they did n't send anything in the mail and they did n't have to because this was there 1st contact and this was all that was needed. I said no it was n't and by law I have 30 days to respond and I was n't given that time to respond, so please remove this item immediately from my credit report. He said they were not going to remove anything until this account was paid in full and hung up on me..
|
| 11/29/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
on XXXX/XXXX/XXXX Midwest Recovery Systems, XXXX placed a collection item on my XXXX credit report and then on XXXX/XXXX/XXXX they contacted me by phone about an installment/payday loan (? ) from XXXX XXXX XXXX. At that time I indicated that I had no knowledge of this debt and requested that they send me something in writing so I could investigate. They only thing they wanted to reference ( verbally ) was an IP address which means nothing to me.
It 's now XXXX/XXXX/XXXX and I still have n't received anything in writing from them. It 's my understanding that they must send me something in writing within 5 business days of initial collection action/contact.
Ironically, on my credit report there 's already a notation that this is disputed and I did n't file this. I 'm assuming that it was done by XXXX, but I do n't know.
|
| 01/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My credit reports show a collections account with Midwest Recovery Systems opened on XX/XX/2019 with an original creditor of XXXX XXXX XXXX XXXX XXXX for a balance of {$6800.00}. I contacted Midwest Recovery Systems and the representative claimed that they mailed a notification to a XXXX California address, but I have not resided there for the oast 2 years and have a new address. Furthermore, a notifcation of intent to collect is the only documentation that Midwest claimed to send. I still have not received proof that the account is valid or owed by me. The validity of this account has not been confirmed with documentation. No paperwork has been sent to me at my current or previous address. I am unaware of the account being opened or owed and it appears to be an error. I am requesting for this account to be removed.
|
| 04/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Mid West Recovery SyS in the amount of {$280.00} is falsely reported as negative on my credit report. When I finally got through it was for a payday loan. I have never in my life needed or would ever take out a payday loan. They said the this occur in 2003. I said what? This is flat out un-true, false, and a lie! On the credit report it said the highest balance on this derogatory amount was {$2100.00}. If I owed {$2100.00} why are they asking for {$280.00}? Makes no sense. I have never taken a payday loan out in my life. This is false, and I would like to have this removed from my credit report. This company was not able to give any specifics on what the name of the company what date, how does a payday loan work? Was only given the year it was done which was 2003. No month date or time. This is down right false!
|
| 07/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A collections account appeared in my credit file for all three credit bureaus from Midwest Recovery Systems. XX/XX/2020.
I had never received any communication regarding the alleged debt and I am unfamiliar with the balance and original creditor that is listed inconsistently with the three credit bureaus. Midwest Recovery Systems also listed inconsistent contact information for their agency. A debt validation letter was sent certified with receipt required to the collection agency less than 30 days from its appearance in my credit file and now more then 60 days later I have not received any communication from Midwest Recovery Systems to validate the alleged debt. During the 30 day alloted validation period Midwest Recovery Systems continue to report negative information. I suspect the account to be fraudulent.
|
| 02/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX Midwest Recovery Systems sent me a letter with my confidential medical information. Ive never signed any legal document giving Midwest Recovery Systems permission to obtain my personal confidential medical information. This is a clear HIPPA violation and the debt doesnt belong to me. I responded in writing XX/XX/XXXX and have yet to hear back from Midwest Recovery Systems. But what they did do was flag my credit report for a debt thats doesnt belong to me.
XXXX XXXX XXXX continues to sell this alleged debt. This is the fourth time they have sold my confidential medical records in attempt to collect an alleged debt. Im ready to pursue legal action due to this reckless behavior they continue to display. They have no ethics and need to stop selling patients CONFIDENTIAL information for profit!
|
| 04/24/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On yesterday XX/XX/XXXX I received a notification from the credit bureaus for a collections of {$1500.00} from a company XXXX. Ive never applied or had an account with this company. I immediately called and informed Midwest Recovery Systems. They informed me that this loan was taken out in XXXX and theyre now just placing in collections in XXXX! Midwest Recovery Systems has never contacted me by mail or telephone. I do have a threatening letter in my SPAM email from such company in XXXX stating I will be going to jail and being sued. Ive never been sued by XXXX. They also said they would be contacting the FBI and my job. This is not my account and furthermore its over the statue of limitations. Threatening and or intimidation is also against the law ESPECIALLY on an account that never belonged to me!
|
| 12/29/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX at XXXX I received a email from my credit monitoring alert from XXXX XXXX that I had a new account alert and I checked it and it stated that I had a NEW ACCOUNT on my XXXX from Midwest Recovery Systems , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX and for type it stated N/A and contact number it stated also N/A. So then I checked my XXXX XXXX alerts and it stated I had one DEROGATORY MARK ( my first one ) it stated I owned {$890.00} from XXXX XXXX XXXX opened on XX/XX/XXXX and reported XX/XX/XXXX which dropped my score on XXXX 3 Points for something I that I have no cash advances currently. I checked out XXXX and this Midwest Recovery System has so many complaints and the same issues with people. I worked so hard to maintain my credit and I will not stop until this is fixed.
|
| 12/11/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
After reviewing my credit report, I show an account was listed with Midwest Recovery Systems.
I have never done business with them or received any type of communication from them it just showed up on my report. I have the right to see a signed contract between Midwest Recovery Systems and myself.
. I would like a signed validation of debt. Another company 's bill is not proof of a debt with your company.
1 ) An explanation of what this alleged account balance is for.
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
3 ) Documentation that shows I agreed to pay this debt.
4 ) The Agreement that grants you authority to collect on this alleged debt.
5 ) A copy of your state license, including license number.
|
| 12/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
MIDWST RCVRY {$500.00} XXXX XXXX XXXX XXXX XXXX They claim from about 7 years ago and just appeared on my credit report XX/XX/2017 I disputed and added a fraud alert to my XXXX and XXXX XXXX reports and also disputed with MidWst RCVRY who claims I need to file a police report after all these years ... this is not mine. I had roommates years ago who could have accessed my info and accounts. I want this removed ASAP as it is affecting my credit & I just had begun building it, as a single mom putting my XXXX of XXXX through college. I could lose my ability to help her. I have other debt that I have no problem paying for, but this is unfair to add an account that no police could investigate this many years later and why are they just now doing this? Fraudulent. Unfair. I want it removed.
|
| 11/07/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
According to a new collections account on my credit report from Midwest Recovery Systems, I apparently took out a payday loan from XXXX XXXX on XXXX XXXX, 2012 and defaulted on it in XXXX. I am contesting that this is inaccurate, I never took said loan. This fraudulent activity is now part of my credit report and is a misrepresentation of my score. In addition, Midwest Recovery Systems never sent correspondence to our address prior to reporting it to the credit bureaus. As a matter of fact, I have never heard of either company before, and am reading nothing but complaints and investigations involving this same type of situation. Midwest claims to be a XXXX party collection agency that reports to the credit bureaus, and apparently continues to get away with scamming innocent consumers.
|
| 11/19/2016 |
No |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
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.
|
| 10/21/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This collection was disputed and also deleted on off of my credit file on XX/XX/2016 but keeps reappearing. I have never done business with Midwest Recovery. I do not have a signed contract nor any contract with Midwest Recovery. I am not liable for this collection from Midwest Recovery. Please validate this debt with Midwest Recovery and myself. An alleged bill from another company or alleged e-signature provided from another company is not proof of validation of a debt and is not suffice. Midwest Recovery failed to notify me BEFORE placing this alleged debt onto my credit report which is a FRCA violation. This violation can result in a {$1000.00} fine. All communication is to be through this portal. Midwest Recovery does not have permission contact me by e-mail, phone, or US Mail.
|
| 12/09/2016 |
No |
|
|
|
Web |
|
|
On XX/XX/XXXX I was checking my credit report and noticed a new collection entry from Midwest Recovery Systems. I called customer service and was told I had an outstanding payday loan and this company had purchased my debt and was demanding {$690.00}. When I explained to the rep that I had no knowledge of this and why was I not contacted before it was submitted to the credit bureau she had no explanation. When I asked to verify when this occurred she was unable to provide me with that information. She said " maybe in XX/XX/XXXX '' but was not able to provide any other details. I asked for something in writing in order to research this, and she sent a very vague letter via email. I do not owe this debt and this company has submitted this to all my credit reports without my knowledge.
|
| 02/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX, I received a notification email from XXXX XXXX indicating a debt was added to my XXXX credit report from Midwest Recovery Systems. I have NEVER received any correspondence for this debt nor did I know the debt existed or who the creditor is for the debt. I was never given a chance to dispute, negotiate or pay the debt yet said debt has been reported as collections. My home address has not changed and not one piece of mail has been received or one phone call about this debt existing. Debt collectors, by law, have to notify debtors about existing debt and give them a chance to take care of the debt, or dispute it before reporting to credit bureaus. Midwest Recovery Systems reported this debt on XX/XX/XXXX and this is a violation of 15 USC 1692g 809.Validation of debts.
|
| 11/16/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
Midwest recovery systems has filed a false claim on my credit report. I never recieved any notification about a debt or communication. It is reported on my credit report as of XXXX XXXX 2016 for a XXXX XXXX XXXX. XXXX XXXX XXXX I have researched is a " pay day '' loan company. I have not taaken out a pay day loan and do not owe this debt. I have been monitoring my credit for the last 3 years and this just appears without any notice. I have written them and demanded they remove this negative item immediately. I also imformed them that " Payday '' loans are illegal and unenforceable in NC. I have not taken out a payday loan, and do not owe this debt. I am a XXXX and will take this to litigation as a class action suit as I am sure I am not the only XXXX they victimized in this manner.
|
| 04/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
My complaint is that the Midwest Recovery System replaced an account that was paid through ingerent care through the Patient Financial Department on XX/XX/XXXX. I check my credit report daily through XXXX XXXX and XXXX The amount of the account is {$1700.00} and they said that this account was opened in XX/XX/XXXX. This bill was done back in XX/XX/XXXX and at this time I was unemployed.
My next complaint is with XXXX XXXX XXXX. They are trying to collect {$190.00} from me from the original creditor which is XXXX. The original date on this account is XX/XX/XXXX. I just cancelled my Insurance with XXXX and I had insurance with them for about three years and they didn't say anything to me about a past due amount, if so, I would had to pay them before I started insurance with them.
|
| 03/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX HAS MERGED MY CREDIT REPORT WITH ANOTHER SOCIAL SECURITY NUMBER THAT IS NOT MINE I LEARNED OF THIS WHEN MY CREDIT WAS PULLED BY A MORTGAGE LENDER I HAVE CONTACTED XXXX AND THEY DENY THIS BUT I HAVE THE REPORT THAT SHOWS. THEY WONT DO ANYTHING ABOUT IT AND ITS HURTING MY CREDIT STANDING AND SCORE. MIDWEST RECOVERY HAS ASKED FOR XXXX TO REMOVE THE COLLECTION THE ONLY COLLECTION ACTUALLY REFLECTING UNDER MY SOCIAL ON MY REPORT FROM IT BECAUSE IT WAS A FRAUD ACCOUNT AND THEY HAVE FAILED TO DO SO.MIDWEST RECOVERY REQUESTED THE REMOVAL IN JXX/XX/2018. THEY SENT A SECOND REMOVAL REQUEST THEY HAVE STILL FAILED TO REMOVE IT.
I HAVE ALSO DISPUTED A AUTO ACCOUNT THATS REPORTING INACCURATE INFORMATION ON ALL THE BUREA XXXX XXXX XXXX XXXX HAS NOT REMOVED THE ACCOUNT FROM MY REPORT.
|
| 09/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Midwest Recovery Systems is reporting 2 unlicensed payday loans on my credit report from years ago that are illegal in my State Of Alabama. XXXX XXXX XXXX is listed with a balance of {$370.00} owed and XXXX XXXX also for the amount of {$370.00} is listed on XXXX and XXXX XXXX. The principal on both of these loans were paid and both companies owed me a refund. I contacted both companies and let them know they were not licensed in my state and the overpayments I made needed to be refunded. My next step is too get an attorney and sue them to remove this off my credit report as they are breaking the law by putting them on my report as they are a junk debt collection company with hundreds of complaints against them.
|
| 01/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On X/XX/2018 XXXX XXXX XXXX added a collection account to my XXXX and XXXX credit reports in the amount of {$310.00}. It negatively affected my credit score decreasing it by 6 points. On the XXXX report the remarks are listed as unknown. On the XXXX report the remarks are listed as medical. They claim the original debt was from XXXX XXXX, which I have never taken a payday loan ever. I am certain that XXXX XXXX XXXX have fraudulently reported a debt to my credit report and demand that I have these removed and have my credit score returned to its original score before this happened. I have tried numerous times to contact XXXX XXXX XXXX and have sat on hold on their phone line with no answer. This fraudulent attempt is damaging my credit score and need this resolved immediately.
|
| 11/09/2018 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A inquiry from Midwest recovery showed up on my report, shortly after I received notification of a collection of {$1100.00} was reporting on my reports. There is no account number or information present to contact an original lender to validate an debt owed. However there was also the lack of a 30 day notification of a debt, which is against FCRA. I researched company and found that that's this company is known to report collections without notifying consumer and allowing time to validate and/or dispute. I would like for this company to validate this debt by providing the type of debt, by including a contract with my signature and an original detailed bill. THIS COMPANY IS NOT TO CONTACT ME VIA MAIL, EMAIL, OR PHONE. ALL REPSONSES AND DOCUMENTS IS TO BE UPLOADED TO THIS SITE.
|
| 11/15/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
On XXXX XXXX, I decided to check my credit report and found that Midwest Recovery Systems had added a collections account on my credit report for {$620.00}. This company has never contacted me about this matter in any form. I never received a letter stating who the creditor was and was not given the 30 days to lawfully dispute this claim because I was NEVER contacted. This company is in serious violation of Fair Debt Collection Practice Act. Under this act the consumer ( me ) is to be given a 30 days validation period before a debt collection can be reported to all XXXX major bureaus by a collection company. In this case I have never received a bill or any correspondence from this company or the creditor regarding me owing this debt that is being reported on my credit report.
|
| 11/29/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This organization has posted a fraudulently negative collection identifier on my credit report. On top of the fact that I do not recognize this debt, the validity of such a debt would be nullified and illegal as I am a resident of Virginia and have been since well before the purported date of this fraudulent debt. I have, to my knowledge, never had any dealings with this organization or this debt other than attempts made to remove this fraudulent identifier from my credit report.
As a retired military veteran, I find it personally reprehensible and offensive that this activity continues to be perpetrated against fellow American citizens. I 'm confused as to how an organization can so easily falsify credit reports of individuals against whom they have no legal jurisdiction.
|
| 04/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My information is was used for some sort of membership from XXXX XXXX XXXX XXXX that resulted in it going to Collections after I realized it was being charged into my bank account and replaced my card with my bank. XX/XX/2020 this company sold the debt to Midwest Recovery Systems which is now reporting on my XXXX credit report in error. Ive had an issue with false credit cards and inquires on my credit that I was able to resolve with multiple issues other credit companies in the past, as well as a false XXXX account in my name with the XXXX XXXX XXXX XXXX which I can provide documentation for proving identity theft. I would like this resolved as it is a result of identity theft and it is dramatically impacting my credit and affecting my financial health in this pandemic.
|
| 03/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Midwest Recovery has made numerous attempts to collect a debt that I no longer owe. They list several accounts under my name with an original creditor of XXXX XXXX XXXX XXXX First of all, the original provider failed to bill Medicare per contract. After the statutory time elapsed to file a claim, the original provider turned over the accounts to collection. I settled this account for a lesser amount with an earlier collection agency in order to remove it from my credit report. That agency represented XXXX XXXX and was called XXXX XXXX. There is no further obligation on my part -- if Midwest Recovery purchased these accounts, it was to their detriment as the accounts were settled long ago.
I have asked Midwest Recovery to validate the debt and they have ignored my request.
|
| 02/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I received a notification on XX/XX/2020, through my credit cards credit report tracker, that a new account was added to my credit file in the form of a new collection account that I am not aware of ( XX/XX/2020 ). These are the details of the new collection account that my credit card provided below : Account Details : Bureau Name : MIDWEST RECOVERY SYSTEMS Original Lender : XXXX XXXX XXXX Account Type : Not Reported Responsibility : Individual Credit Limit : Not Reported Highest Balance : {$280.00} Amount due : {$310.00} Payment Details Amount Past Due : Not Reported Date of Last Payment : Not Reported Monthly Payment : Not Provided Payment Frequency : Not Reported I have no knowledge of this account and received no correspondence from Midwest Recovery Systems about it.
|
| 08/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
A collection company with an unknown date reported some payday loan or something that is not mine to XXXX, XXXX, and XXXX on XX/XX/XXXX. I filed a complaint with all three credit reporting agencies with supporting documentation and XXXX is the ONLY one that removed it because my documentation proved that 1 ) my name did not match the name on what they have 2 ) Midwest recovery has ZERO documentation 3 ) they harassed my parents back in XXXX when I did not even live at whatever address they HAVE LISTED 4 ) I was living in XXXX XXXX 5 ) I had already reported case of identity theft by that time 5 ) now its been over 30 days with ZERO response by such company Midwest recovery and XXXX and XXXX have yet to remove it while it still lowers my credit score. I AM BEYOND LIVID
|
| 04/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received an alert today for all 3 of the reporting agencies today that a new negative account was added to my credit reports. I looked up the account it is once again it is Midwest Recovery System. This will be the 3rd time I have disputed this debt with CFPB and Midwest. Each time Midwest responds that the debt cant be validated and they send a letter of deletion to all 4 credit agencys. Now it has reappeared and also the same debt which originated from XXXX XXXX XXXX is on my credit report from Midwest and also XXXX XXXX XXXX. I was never notified because they know this debt can not be validated and it does not belong to me at all. I do not know why this debt is allowed to continually be added back to my credit reports and drop my score down for no apparent reason.
|
| 09/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am not familiar with this item and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is not my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.
* 1 ) XXXX - NO BALANCE LISTED- there is also 2 different open dates on different bureaus from XX/XX/XXXX - XX/XX/2017 this is therefore inaccurate information as well.
|
| 06/23/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
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This company called me in XX/XX/2018 saying I owed a payday loan in the amount of XXXX dollars which was supposed to been an electronic check with XXXX XXXX that I never even had a checking account thru went to the bank and had the lady in the office pull up my name never had a checking account they then just a saving for a car loan and the lady even called midwest and talked to XXXX and told her I have never had and a checking account they then and never owed any money to them .XXXX was very rude would not give the bank lady any information and hung up on her .I am not paying for something i don't owe and an turning this over for XXXX to be investigated along with that company.She said she sent me stuff to and address i have not lived at for over 9 years.what a scam
|
| 04/23/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received an alert today on my XXXX account about a payday loan from XXXX and it's now XXXX. I filed a identify theft report when I found out in XXXX and it was removed and now 7 years later they are doing it again. I called directly to MidWest Recovery and was placed on hold several times and when I did get someone he was rude and acted as if he was doing me a favor. The practice of reporting old debts especially ones obtained falsely puts enough difficulty on the consumer on TOP of getting it rectified. There is no reason for these poor business practices and horrible service. I keep files of everything and I shouldn't HAVE TO when I did what I was supposed to years ago.
MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
|
| 03/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I was notified by XXXX that a collection account had been added to my report early XXXX. I immediately reached out to this creditor whom I have never heard from via phone or mail, nor done business with and asked them for immediate validation of this debt per my FCRA rights. They responded with a typed letter stating I owe {$1100.00}. It contained no contract, no original loan date, nothing at all with my name and no documentation showing their rights to even collect on this unowned debt. On my credit it also shows that this account was opened XXXX of 2020 which is impossible due to the fact I am currently XXXX overseas. After asking for validation a 2nd time the company has stopped responding completely. I have attached the letter the used as VALIDATION of this debt.
|
| 11/07/2016 |
No |
|
- Received a loan I didn't apply for
|
|
Web |
Servicemember |
|
On XXXX/XXXX/XXXX, I received an alert that I have a new collection activity on my credit file. I found that it was this company ( Midwest Recovery Systems ) that supposedly purchased this account from another debt collector. I contacted them and XXXX, the recovery specialist informed me that it came from a payday loan that was taken out in XXXX and that he did not have the original paperwork that I asked for. I told him that I wanted to dispute this, and he told me that it would stay on my file until it was paid in full. He did say that he could make payment arrangements in order to settle the debt, but the mark on my credit will stay for seven years. I am a XXXX veteran XXXX, and I do not have the type of money he is seeking for a debt that I have no knowledge of.
|
| 10/23/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
My credit report alert went off today saying that I owed a payday loan for {$340.00} to XXXX XXXX XXXX who ever the XXXX that is that took place on XX/XX/2016 I have no idea what Midwest Recovery Systems is talking about. In 2016 around at that time I purchased a new truck with no down payment and a townhouse I had no money problems in to 2016 and still don't. If you check my credit report I am at a 100 % at paying my bills on time one thing I ain't going to do is borrow money from a payday loan or anyone else. You have the wrong person someone might have used my information with out my knowledge things like that happen but it wasn't me. If you continue to harass me on something I didn't do I will file a civil suit against your company ( Midwest Recovery Systems ).
|
| 02/28/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX, I received a notification email from XXXX XXXX indicating a debt was added to my XXXX credit report from XXXX XXXX XXXX. I have NEVER received any correspondence for this debt nor did I know the debt existed or who the creditor is for the debt. I was never given a chance to dispute, negotiate or pay the debt yet said debt has been reported as collections. My home address has not changed and not one piece of mail has been received or one phone call about this debt existing. Debt collectors, by law, have to notify debtors about existing debt and give them a chance to take care of the debt, or dispute it before reporting to credit bureaus. XXXX XXXX XXXX reported this debt on XX/XX/XXXX and this is a violation of 15 USC 1692g 809.Validation of debts.
|
| 12/08/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have contacted this company Midwest Recovery Systems asking them to validate this debt with original documentation however at this point nothing has been received. It is listed on my credit report two times with identical account numbers yet two different amounts. As far as I am able to determine as if this is not egregious enough, I am unable to locate a license to collect in Michigan as required by law for this Company or any of the other companies with the same or similar names. This is causing a great hardship and I would like them to remove and DELETE these fictitious and possibly fraudulent entries on my credit reports from XXXX, XXXX and XXXX along with any other third parties. Placed on my reports for {$1000.00} and {$740.00} XXXX XXXX and XXXX XXXX.
|
| 11/25/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A former employer ( XXXX XXXX ) failed to pay the entirety of medical bills for a worker 's compensation related injury. The former employer did not disputed the bills and they paid some lost wages. The hospital ( XXXX XXXX XXXX XXXX XXXX NJ ) is attempting to collect the debt through Midwest Recovery Systems. I believe that the hospital and XXXX XXXX are breaking various laws. My former employer has a legal responsibility to pay the medical bills under state laws. The hospital was aware that this was a workers comp claim, and that in NJ employers are legally responsible for paying medical bills for workers comp cases.
The account is in collections and might effect my eligibility for a mortgage. I have documents and emails which support my case Please Help!
|
| 11/23/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I honestly do n't understand this collection agency. I previously complaint about this agency and they told me to write a dispute. I did. They ask to close this file and states they are not doing any wrong.I ignored the fact that they kept hitting up my credit report during the dispute which I still have not received any statement detail with the expenses I owe and what services nor do I have a contract with Midwest recovery. I why are they keep hitting my report frustrating me. Could I get a lawyer for their actions and lack of professionalism it truly bothers me mentally when I do not owe this company and stressing trying to figure out how did they come about that amount. Below is proof they are constantly hitting up my credit report with negative activity.
|
| 05/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Midwest Recovery Systems has attempted to collect numerous debts over the years for accounts that were paid prior to being sold for collections. Each time, I have disputed the debt with the credit reporting agencies and requested debt validation from Midwest Recovery. Recently, they sold off my accounts to XXXX XXXX, who is also attempting to collect the same debt. Meanwhile, Midwest Recovery has listed a collection account with the credit reporting agencies ... again.
I sent a letter to Midwest Recovery via Certified Mail to the address they have registered with the credit reporting agencies, but it is no longer valid. There is no longer any way for me to contact Midwest Recovery since they have failed to update their current address. See attached letter.
|
| 09/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I looked anatomy credit report and saw numerous problems with it. I disputed information that was incorrect and not mine and it came back as verified but was not validated. I never had an account with this creditor and I do not owe this debt.
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Convergent Outsourcing Opened XX/XX/XXXX {$590.00} Midwest Recovery Systems Opened XX/XX/XXXX {$7200.00}
|
| 07/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Midwest Recovery Systems placed a collection on my credit report. No validation process was followed. No information Was provided regarding what the debt was for. I researched and verified a fraudulent pay day loan was made in XXXX of XXXX. The debt was from a fraudulent XXXX XXXX XXXX loan. I filed a Identity theft report and police report for several fraudulent accounts opened in XXXX due to my information Being leaked in a XXXX email data breach. No XXXX of XXXX Midwest recovery systems Files a fraudulent collection that is over 7 years old and does not have any certified documentation verifying I requested a loan with XXXX XXXX XXXX. I expect this fraudulent debt to be removed and no further reporting made for a fraudulent debt from over 7 years ago.
|
| 03/23/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I am in receipt of my credit report dated XX/XX/2017 attempting to collect a debt from me. I am for certain that I do not owe your company any money. I have never done business with you. In fact, i had never heard of your company until having received my credit report. What I find strange is your attempt to collect the debt with me when I do n't owe you any money in the first place! Please see this notice as me disputing this alleged debt with your company as well as requesting debt validation. Send me legal supporting documents bearing that I 've done some type of business with you, hence owing you money. Also the State of Florida requires any collection agency to be licensed and bonded to collect in the state of Florida and your company is in violation.
|
| 11/07/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received a new account notification from a credit monitoring service I use on XX/XX/2016 and upon looking into this, Midwest Recovery Solutions has an open collections account for me for what I 'm assuming is a payday loan through XXXX for {$800.00}. There are several problems with this : I have never taken out a payday loan, have never heard of XXXX nor received any correspondence whatsoever from that " company '' in regards to the account in question, and have never heard of Midwest Recovery Solutions nor received any correspondence by certified mail, phone, or email in regards to the account in question. I attempted to reach Midwest Recovery Solutions via phone, but was unable to. This account needs to be deleted immediately from my credit reports.
|
| 06/29/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midwest Recovery Systems never sent me a letter regarding alleged debt. This VIOLATES the FDCPA. They fictitiously reported to credit bureaus that I owed XXXX dollars to a business named XXXX XXXX XXXX. Once again, this violates the FDCPA. I have never done business with XXXX XXXX XXXX nor applied for a loan with them. I contacted credit bureaus and disputed. XXXX and XXXX are no longer reporting this fictitious account. XXXX continues to report because Midwest Recovery Systems continues to report this fictitious account to them. This is another violation of the FDCPA. This is nothing more than an attempt to extort money. Furthermore, payday loans have been illegal in the State of Arizona since XXXX XXXX, 2010 according to the Arizona Attorney General.
|
| 04/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account is not mine. This company is in violation of FCRA by reporting false information. I have never heard of this company and have never done business with them. I have not received a dunning letter before attempting to start collection practices. I will also be contacting my state 's attorney generals office in regards to this erroneous reporting and this company business practices as well. Midwest Recovery VIOLATED my rights under FDCPA rules by NOT NOTIFYING me of this attempt to collect a debt. They have until the end of next week to remove the erroneous reporting off the three major credit bureaus or I will file a lawsuit. I have send my attorney a copy of the this complaint as well. Please give this the immediate attention it deserves.
|
| 12/11/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2017 - I receive an alert from XXXX XXXX about this collection showing up on my credit report. I do not owe nor have I taken a loan out with XXXX XXXX XXXX XXXX of which Midwest Recovery Systems is trying to collect on. There has been no letters of any debt collection from XXXX XXXX XXXX. There is also no data in the fields on my credit report reflecting anything other than a balance owned and with an unknown open date. Review on the internet shows an increase in XXXX XXXX users receiving a collections account being posted from Midwest Recovery Systems for debts that are not theirs. XXXX XXXX XXXX XXXX would be violating the Indiana Code for Payday loans based on the amount they are claming is due.
Citation : Ind. Code 24-4-4.5-7-101 et seq.
|
| 01/19/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Was notified through a credit monitoring company that a new creditor was listed and to look over to see if it was correct. Listed me as having taken out a loan between XX/XX/XXXX-XX/XX/2019 be with XXXX XXXX XXXX XXXX for {$900.00}. First that is 100 % fraudulent and a simple XXXX search shows this company as being fraudulent. Second, be was never notified in writing of debt, probably because it is fraudulent and have no idea where I live. There was no attempt to claim sent before filing it as needing to be collected even according to the false claim it had only been a week since the debt was incurred. This is such an obvious lie they had to know they were involved in illegally claiming this debt. They have followed not one law on this bogus debt.
|
| 04/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently received a notice alert from the credit bureaus that a collection was added to my credit report. I called Midwest Recovery and they informed me it was for a repossessed car, the issue is i have never had a vehicle repossessed or a collection before. They informed me that this was from a loan with XXXX opened on XX/XX/XXXX and closed XX/XX/XXXX, a few issues with this 1. Never mine and this was a result of ID theft i have attached the FTC affidavit and Police report 2. This was reported to credit but i was never given a notice or dunning letter to dispute before placing on credit. 3. If this debt is in fact a valid debt this is past statute of limitations of 6 years from last payment date again making not a valid account for collections.
|
| 02/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Debts in the amount of {$750.00} appearing twice as collection. I called the credit bureaus on XX/XX/2019 to dispute these unknown collections. They advised me the debt was hospital bills. I explained that I had not been to the hospital, the debt did not belong to me and I officially filed a dispute. I also requested for the bureaus to send me verification regarding these collections, which was never received. During these phone calls I paid off one collection that was my debt and disputed Two other debts in the amounts of {$1800.00} and {$1400.00}. These debts dont belong to me and I would like them removed at once. All three bureaus are not reflecting accurate information, the hospital bills were removed for XXXX, but are still showing on XXXX.
|
| 07/01/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have disputed this account on several occasions from Midwest Recovery for a payday loan in the amount of XXXX. I have contacted the company explaining I did not have an account at XXXX XXXX, neither did have I ever had a payday loan. This account and debtor continues to hassle me. I have been experienced identity theft in the past, resulting in someone getting a house in my name. This debt is not mine and I word hard and diligently to keep my credit and social security number protected. Dates of transation reporting on my credit began in XX/XX/2018, it was taken off in XX/XX/2018 and as of XX/XX/2018 it is back on my credit. I have spoken with this company letting them know this is not my account please remove off my credit but to no avail.
|
| 04/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
this account was disputed asking to verify debt was mine they were asked to provide a document that bears my signature and bears amount owed or agreed upon, the were aslo notified that an Itemize statement does not provide proof as per FTC opinion letter : and FDCPA section 807-8 and section 623-b XXXX also notified of dispute and was requested to respond with documentation that bears my signature as proof this is my account upon the investigation, that i dont consent to third party or XXXX verification, that the must contact the collection or original creditor, to provided documentation bearing signature and forward to me upon completion of there investigation, Per FTC XXXX was notified the same as XXXX.
FCRA section 611 ( a ) ( 1 ) ( a )
|
| 07/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I received an alert today that my credit score had changed. Upon logging into my account, I noticed that a new collection had appeared from Midwest Recovery Systems LLC. for an unpaid amount of {$210.00} from XXXX. I was never notified of debt owed and after researching this company, this appears to be an extremely common reoccurring issue. This incorrect debt is being reported to two of the three credit reporting agencies and negatively affecting my credit score.
I am in the process of disputing this debt collection and recovering my credit score, however the fact that this is a known issue, a fraudulent company, and horrible business practices, makes me want to report this as soon as possible so something can actually be done to stop it.
|
| 11/02/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX XXXX, 2017 Midwest Recovery Systems placed a opened collection on my credit report for a Debt owed to XXXX XXXX XXXX XXXX. I have not been contacted by Midwest Recovery Systems regarding the collection. To my best knowledge the company they claim I owe the debt too is no longer in business per the BBB website and was a non licensed payday loan company. I have never taken out a payday loan with this or any company. My credit report shows that owe them {$860.00}. I have tried to find contact information for XXXX XXXX and have not been able to locate it. My main concern is why did Midwest Recovery Systems place this on my credit report in the first place? From a company, that in all my research, seems to be a unlicensed closed business?
|
| 03/19/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A letter was sent to Midwest Recovery Systems requesting the following : Explanation of what the amount owed, additional collection fees and how it was occurred.
Copies of all documents and identification of the original creditor.
Proof that the Statue of Limitations has not expired on the account.
Proof that you are licensed to collect in my state.
Your license number and Registered Agent Documentation.
The letter also explained that this item does not belong to me as I never did a payday loan online or in person and the item should be removed. The item has been on my credit bureau since XX/XX/2017 and doesn't belong to me at all. I requested the item to be removed immediately as no documentation was sent to me confirming the debt.
|
| 08/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 11/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
To whom this may concern. I have been filtering calls from Midwest recovery systems. The call 's or from an automated system and the messages that there are leaving are trying to contact the individual add this number in relations to a debt. The problem I am having with these calls is that they're not asking for the person who incurred the debt. The other problem is they are not willing to tell me the original creditor in which the dep had occurred. The 3rd and most important problem with Midwest recovery systems is that they have been Reporting negatively on my credit report for no apparent reason. I understand that there are collection agency but they don't have their original creditor and I am not going to pay the same bill twice.
|
| 01/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I ran my credit report and it shows a derogatory mark from " XXXX XXXX XXXX '' in the amount of {$870.00} which shows an account opened date of XXXX/XXXX/2016. I have not received any communication from this company pertaining to this debt. No one has attempted to contact me by phone or mail. I have no idea what the amount is for. I disputed this with the credit agency and the result was that they added a note on the derogatory mark that states " account information disputed by consumer. '' I did not open an account with anyone on this date or around this date. I have 1 account that is 4 months old from XXXX XXXX. This is the only new account i have and it is in good standing. I do n't even know what this debt could possible be for??
|
| 01/03/2017 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I went to check my credit score on XXXX XXXX ( as I do several times a month ), and I noticed a significant dip in my credit score from one of the reporting agencies ( nearly XXXX points ). After digging through my reported items, I noticed my score dropped because of a newly reported collection account from Midwest Recovery Systems. The account stated that I owed {$690.00} and that the account was opened XXXX XXXX 2016. The collection account was reported to the credit reporting agencies on XXXX XXXX, 2016. I never received a written statement saying a debt was owed, and I have n't received any phone calls from this collection agency. Also, I have no record of any debt owed to the company listed as the original creditor XXXX XXXX.
|
| 12/15/2016 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
Midwest Recovery LLC has repeatedly called me and threatened legal action for an unknown debt that appears to date back 15 yrs ago. They leave multiple voicemails at my home daily, and they tell me that someone is coming to my job to serve me with legal papers. They have also called my job leaving messages for me with our accounting department. I called them back from work and asked for their address to send a cease and desist letter, but they would not give it to me, and the man yelled at me saying that he hopes I 'm embarrassed when I am served with legal papers at my work " tomorrow '' and then hung up on me. This company also keeps reporting this 15 yr old debt on my credit reports causing me to have to dispute and remove them.
|
| 12/07/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I have contacted representatives of this company since XXXX of 2017 to remove there report of a debt the was already paid to their client prior to them contacting me. I have been threatened, called a liar and fraudulent when asked to provide them with my proof after being declined. They have no interest in resolving this issue professionally and never sent me any documents prior to my knowledge of them nor after requestesting all information in regards to this debt they claim I still owe. Their client, XXXX XXXX XXXX is no where to be found on BBB or online anywhere yet they refuse to remove the negative reports to credit bureaus. Whenever i seethe words of lawyer, lawsuit, original documentation, I am hung up on. This isnt right!
|
| 05/18/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2020, My XXXX XXXX account was settled with a 3rd party collection agency ( XXXX XXXX XXXX, XXXX XXXX ). I was emailed a proof of letter account satisfied. This account was removed from the credit bureaus as per the terms i had with XXXX XXXX XXXX XXXX once account settled in late XX/XX/2020. On XX/XX/2020 Mid West Recovery Systems ( XXXX ) reported the same account which, l ready paid in full to XXXX XXXX. I attempted to notified them numerous times to get this account removed as far as even providing receipt to them. They have been harassing me and threatening me to pay off this account. XXXX from XXXX XXXX has even gone out of his way to help by contacting them and leaving multiple voice mails to get account removed.
|
| 05/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is a medical debt being reported on my credit report to the credit bureaus by Midwest recovery systems. I spoke to a representative by the name of XXXX XXXX her phone number is XXXX XXXX she explained to me that this debt was for a medical bill that occurred last year in XXXX. I then explained to her that I havent went to the emergency room ever in my life so this debt couldnt be mine. She then checked the file and realize that the date of birth associated with this account was XX/XX/XXXX and I explained to her that my date of birth was XX/XX/XXXX so this is not me. She then told me she will have to put in a dispute which will take up to 6 weeks. This is going on 7 weeks and this is still being reported to my credit report.
|
| 02/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
On XX/XX/XXXX. I noticed an unknown collection from Midwest recovery on my credit report. I contacted Midwest recovery to get more information. They stated I need to pay the {$700.00} from an account from XX/XX/XXXX. I informed that I was not aware of any account and to send verification authorizing to collect. I have yet to receive this from each call for over month now. I also informed them that this account is over the 4 year Texas statute of limitations for them to collect from anyone being that they said the account was from XX/XX/XXXX. 7 years later. Please have them remove this from my credit report expeditiously as this unknown account is over the 4 year texas limitations and 7 years to post to credit report. Thank you
|
| 01/22/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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I recieved a credit monitoring alert from transition stating that I have a new collection from said company Midwest Recovery! I have never done business with this company or its client. I have never recieved notice about this account by mail. This company has never contacted me about this debt and I take no responsibility of such collection. By law this company was supposed to provide notification of debt and give time for me to dispute and ask for verification of this debt before placing on my credit file, especially because I am a victim of identify theft. I am afraid that this company has violated my personal rights by requesting my medical records from a facility with out permission. I take no responsibility for this debt.
|
| 07/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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Midwest Recovery Systems LLC added a collections amount of {$120.00} to my XXXX credit report on XX/XX/2018. ( No other reporting agency ). However, written notification about debt and notice of right to dispute was never received. Midwest Recovery Systems LLC placed negative item on my credit report without notifying me, which is a clear violation of the early warning notice clause of the FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request Midwest Recovery Systems LLC to remove incorrect information off my credit report. More importantly, Midwest Recovery Systems LLC are in violation of the FACTA section 623 ( A ) ( 7 ).
|
| 03/01/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On XX/XX/XXXX a debt from XXXX being handled by XXXX XXXX was added to my credit report. I disputed it with all three credit companies. They were told it was verified by XXXX XXXX. They suggested I contact XXXX XXXX. I did contact them and was given no specific details. They couldn't even give the amount of original loan. They could not provide me with the address of XXXX. All they could provide was the total amount due with no explanation of details. This is a company I have no knowledge of. I was in the XXXX a lot in XXXX when this loan supposedly was taken with XXXX XXXX that I would not have been able to even apply for an online loan. My former XXXX email was used is what they told me. I haven't used that email in years.
|
| 01/12/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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I received several phone calls from Midwest Recovery over the last couple of months. Each time I stated I had no knowledge of alleged debt. Each Time I requested something in writing so that I could investigate. Each time they refused. When I stated that the FDCPA requires them to do within 5 days of initial contact they stated they do not have to. The last time they contacted me on XX/XX/XXXX they left a voicemail and I returned the call and the gentleman said they were going to report it to the credit bureau despite the numerous attempts that I asked for written documentation. THey said they do not have to provide that. Today I checked my report and they reported it to all 3 bureaus causing my score to drop significantly.
|
| 04/18/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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I received a credit alert from XXXX stating that there were changes on my credit file. Upon logging in, I noticed a 47 point drop in my credit score that resulted from Midwest Recovery Systems claiming that I owe {$510.00} from 2012 on an account with XXXX XXXX. I have never done any business with this company so I decided to look further into this Midwest Recovery Systems reputation to find out that Im not the only one targeted by them. This company searches the records of people with good credit and puts accounts on their credit file ; hoping that theyll pay. I am now in the process of disputing this bogus information and will seek counsel if this isnt fixed. These people are real criminals and should be treated as such!
|
| 01/16/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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Company never mailed a right to dispute letter. Collection placed on credit report XX/XX/XXXX. Company called me twice XX/XX/XXXX and XXXX. I did not give them any information to verify me and I told them to mail me a letter I would not give them any Information. They called me if they want to collect they have to mail me a letter. The guy said well we dont have to mail yu a letter. It was placed on my credit report before they sent a letter of right to dispute. No communication occurred between us. I am filing a fdca complaint that my rights were violated as it was placed on my credit before I got a letter and never got my right to dispute legally!! I am buying a new car this week and now this is on my credit illegally.
|
| 06/04/2019 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I have repeatedly disputed and asked that Midwest Recovery either provide proof of a debt on my credit reports, or remove it altogether. To date, they have received me letter, not marked the account in dispute, not provided any information showing the date of first delinquency, original documents showing that I owe this debt, provided chain of custody proof that they now own this debt. I have also filed a complaint against XXXX and XXXX, as they have both validated this debt, but there is NO information on dates etc. on my credit reports. If there were, they would realize that either this debt is not mine, or is well outside of the reporting limits. The USPS tracking number of that letter is XXXX XXXX XXXX XXXX XXXX XXXX
|
| 01/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I get this call on XX/XX/19 @ XXXX from Midwest Recoveries. They claim I owe a doctors debt {$680.00} from XXXX XXXX, what is stupid and ridiculus about this is the agent that actually called me mainly called to brag that Midwest Recoveries had already placed this debt on my credit report.
Whats not fair about any of this : 1. I have dealt with this company before and told them that this debt is mine. I dont owe a bill with this company 2. Even if this debt where to be validated, what is not fair to myself is I have never been notified of this debt. The company " Midwest Recoveries '' proudly threw this debt on my credit report. They never gave a chance for it to be addressed just throw it on a consumers credit report.
|
| 03/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I received a notice on my credit report on XXXX pertaining to an unpaid loan in which I have never heard of. The agent did not identify themselves and did not validate the debt. The agent told me that I obtained a loan in XXXX or XXXX and never paid the loan. I have never heard of the loan and I have never received any notice of this alleged loan in over 6 years before it was placed on my credit. The agent told me to give him money for the loan and they would remove from my credit. He was not able to validate my address as I have lived in the same area for more than five years. He told me would send me a fraud confirmation letter would be sent to me to complete and send back to the agent. He then disconnected the call.
|
| 01/16/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
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I phones Midwest Recovery Systems at XXXX in regards to a missed call. (I also noted that a negative comment was placed on my credit report by this company XX/XX/XXXX). The young lady I spoke to told me I had a debt of $XXXX. I explained to her that I had filed chapter XXXX bankruptcy in XX/XX/XXXX and that it had been discharged XX/XX/XXXX. She told me that it did not matter and that I still owed the money from a loan that was taken out from My Next Day Cash in XX/XX/XXXX. I explained to her that the bankruptcy cleared all debts and she just hung up the phone. This same company had phoned my 2 years ago and I explained to them then that I was in chapter XXXX and even offered to send them a copy of my discharge papers.
|
| 01/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
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Midwest Recovery placed a collection account on my credit report in XX/XX/2018. I did not receive a XXXX letter nor notification regarding the debt. I wrote a letter to Midwest recovery in XX/XX/2018 and again in XXXX & XXXX asking for debt validation. Meanwhile I also request validation from XXXX XXXX and XXXX. To date the debt has not been validated but still remains on my XXXX and XXXX credit report. Ive sent a second dispute letter and XXXX was the only agency to remove the debt because it couldnt be validated. Midwest has not responded to three request to validate and XXXX and XXXX have failed to provide the method of validation. This account is unknown to me and I wish it to be removed from my credit report.
|
| 10/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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On XX/XX/2018 I received a notification from XXXX XXXX that a new derogatory account had been added to my credit reports. Upon logging in, I saw that on XX/XX/2018 Midwest Recovery systems had added a new collection account in the amount of {$220.00}. I sent them a certified letter on XX/XX/2018 requesting validation of the debt within the next 30 days and also telling them that they needed to remove the unvalidated debt claims from all 3 of my bureau reports. As of XX/XX/2018, I have not heard anything from them nor has anything been removed from my bureau reports. I was never contacted by them in writing or by phone before they threw this alleged debt collection onto my credit reports causing my fico scores to drop.
|
| 05/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company has placed TWO things on my credit report that are fraudulent. I NEVER received any notice that this company was going to place anything on my credit reports. Ever. Those " debts '' they placed on my credit have not been validated. Although, they claim they are valid. I would like VALID proof that these are my debts. Such as my signature on any ORIGINAL paperwork, video footage of me receiving any products/services. I have disputed this information time after time and they keep saying they're valid. I need proof of this ASAP.
They also stated that the debt was valid on XX/XX/XXXX but after having to pay for credit reports I found out it was supposedly from XX/XX/XXXX/XX/XX/XXXX. Very crooked practices.
|
| 06/01/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This company is a fraud. I contacted this company on XX/XX/XXXX when they placed a collection account on my credit report. They stated that I owe them {$500.00} for a hospital bill from XX/XX/XXXX. I have never heard of this company nor have I received any mail from them in the past. I have no idea about a delinquent bill from North Carolina. I live in Maryland. This company is a fraud and very unprofessional. I asked them to send me a verification letter of the debt and they emailed stating that I owe the bill but it is not a verification letter that I owe the debt nor does it state that the Hospital assigned them the account. Usually debt collector contact you before placing derogatory marks on your credit report.
|
| 09/18/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Servicemember |
|
In XXXX XXXX, I was checking my credit through XXXX XXXX and saw the derogatory from XXXX XXXX now MIDWEST RECOVERY, This is for {$1100.00}. This is in the : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WV XXXX ( XXXX ) XXXX I called them in XX/XX/XXXX and again last week. They said they sent something to correct this back in XX/XX/XXXX but the derog is still there. From called them again last week they said they would send me a letter ( which has n't arrived yet ).
On XX/XX/XXXX, I sent a a complaint to XXXX ( confirmation # XXXX ) and they responded back saying it was mine because of the social security number. The social security number is mine but its not me. Someone else is using my social security number.
|
| 02/26/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have never received any notice until all of a sudden my credit monitoring company notified me of an account reported in collections. I filed a dispute with XXXX on XX/XX/ and onXX/XX/XXXX XXXX notified me that the creditor had already replied that the debt was valid. It is not valid for several reasons, for one the debt is purportedly close to 10 years old ; secondly, I was a victim of identity theft with payday loans during the years XXXX, and thirdly, the original amount in dispute was {$300.00} and.now {$2300.00} is purportedly owed. Midwest Recovery Systems is the new creditor trying to collect an old debt and is in violation of various Federal laws governing debt collection and debt collection practices.
|
| 08/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I never received any communication from Midwest Recovery System, and they put a collection on my credit report. They told me that they received the collection on XX/XX/2020, and it was placed on my credit report XX/XX/2020. That is 9 DAYS LATER. Again, I DID NOT receive notification from them AT ALL, and you are supposed to have AT LEAST 30 days to get in touch with the client, verify, etc. Once I saw that this was reported to my credit report, I called the company, and they told me that they don't reach out to clients, and that they could not send me notification until I contacted them. How am I supposed to contact them if I never knew I had a collection until it hit my credit? They were supposed to contact me.
|
| 03/22/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX. company suddenly appeared on my credit report out of nowhere. Supposedly it is from a " debt '' from XX/XX/XXXX. This is absolutely false. I did not have this collection agency on my report in the past. It just recently appeared in the last few months. I know for a fact that this is not my " debt '' because I have been able to open an auto credit account with XXXX in XX/XX/XXXX and paid for and they would have never approved me if this " debt '' was on my report. I am a recent college graduate and I currently need to relocate due to my job and have been trying to find an apartment to rent yet I have had issues trying to get approved because this supposed collection is showing on my report.
|
| 11/11/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XXXX XXXX, I logged into to my account with XXXX XXXX and noticed that my score had dropped significantly. When I clicked on the factor it showed that there had been an account turned in to collections. The said account was for a pay day loan from a company called XXXX XXXX XXXX, and was turned over to Midwest Recovery Solutions, who had turned the account over to collections. I have never heard of XXXX XXXX XXXX and do not have pay day loans. I have received no written correspondence of any kind from either company. The first I 've heard of both companies was when I saw their names on my credit report. I have filed a direct dispute with them through XXXX XXXX, but I felt that I should also file a complaint.
|
| 02/15/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Midwest recovery systems has re-aged a debt that has past the statue of limitations and is failing to report the date of first delinquency ( DOFD ) properly. Instead they have reported it as new debt as of XX/XX/2020. I have already disputed it and they still fail to report it properly since it would show that the DOFD is well over the statue of limitations. And even the debt amount owed is false since the original debtor ( XXXX ) over charged me the loan and I refused to pay anything above the original agreement. But this was well over 6 years ago and has now showed up as new debt by Midwest recovery systems through the tactic of re-aging. Which sadly is done a lot by this firm from what I have read on-line.
|
| 07/31/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Was contacted XX/XX/XXXX about a debt that was from a Payday loan from XX/XX/XXXX. I have never used a Payday loan, they contacted me and told me it was reported on my credit, checked my credit on XXXX XXXX and it was on there, said I owed {$1300.00}, but they would settle for {$540.00} or if I didn't they would presue this even more I hung up, and started researching this company and XXXX XXXX the payday loan company they say I used, it is a scam, and now my credit has dropped and they won't quit calling and harrassing me. My husband and I are building a house and this has really messed my credit up and it is not my debt and I won't it taking off my credit and I want them to stop calling me, please help!!!
|
| 06/16/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I took out a payday loan in XXXX of an amount of {$520.00} from XXXX XXXX XXXX XXXX. I paid back the full amount due. On XX/XX/XXXX I received an email from XXXX XXXX XXXX XXXX stating they received my payment of {$520.00}. Then 5 yrs later in XXXX I have been getting letters and phone calls from XXXX XXXX XXXX XXXX for an outstanding balance from XXXX XXXX XXXX XXXX of {$520.00}. I have responded with emails showing the email that I received from when I made the payment of {$520.00}. They sent me into collections and I'm in the process of purchasing a home and this collection is hurting my credit score. I am asking for XXXX XXXX XXXX XXXX and Midwest Recovery Systems to close this debt that is no longer due.
|
| 11/22/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Company has not provided me with ORIGINAL contract or validation of debt. The debt is 6 yrs old and placed on my credit report sometime last week. I have no knowledge of this debt. The company responded, however the most important questions were avoided! Will I receive a letter of validation? The ORIGINAL Contract? Their entire statement avoided those questions. This company ( Midwest ) and whoever the consumer is NEVER contacted me via telephone nor mail! So their statement regarding contacting me was untruthful, and as a business they are conducting unethical practices. I demand that it be deleted until validation is received. Further actions will be taken. I will not stop until I get the proper answers.
|
| 06/01/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XXXX XXXX , XXXX , Midwest Recovery System s, LLC repor ted to XXXX and XXXX that XXXX accounts ( {$1800.00} and {$350.00} ) were assigned to them for collection. I do not know what these debts are for and the XXXX accounts they claim are " open '' do not have an account number. They appear to be for payday loans, which I have NEVER taken out. I do not owe this debt either to the original creditor or Midwest Recovery Systems. Midwest Recovery never c ontacted me either via telephone or mail prior to reporting these unidentified accounts to the credit bureaus. I am demanding that they remove these accounts from my credit history as they will have a negative impact on my credit rating.
|
| 01/31/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Today XX/XX/XXXX I pulled my credit report. I seen Midwest Recovery systems reporting on behalf of a payday loan place called XXXX XXXX. States the account was open XX/XX/XXXX. However, I did not open any loan with this company. I did not receive any notification about this debt. When I called Midwest they advised they received the debt XX/XX/XXXX and aren't required to notify me of any debt. They did not mail a letter to the address they have or file, attempt to call nor email the email address on file. They put this on my credit without giving me the change to dispute the debt, nor provide knowledge that a debt is owed. I do not know who either company is and wish to have this resolve immediately.
|
| 12/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
|
| 12/12/2016 |
No |
|
|
|
Web |
|
|
I have received phone calls at my home and place of business advising me that I was scheduled to be served with a warrant for my arrest with regards to a phantom debt for a payday loan that I did not initiate. In checking my XXXX ( XXXX ) credit reports, the collection agency has notified the credit bureau 's to the phantom payday loan and my credit score has fallen XXXX points. I have notified all three ( XXXX ) credit bureau 's with a dispute request. I took the liberty to research this agency and discovered that other consumers are being charged for the same phantom payday loan. Presently, I am in the process of retaining an attorney to file civil and criminal charges against this business once,
|
| 09/01/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Midwest Recovery Systems have placed a collection on my credit report for a payday loan I have never applied or received. I have made many attempts to contact the company, but all I can never get a person on the phone. I have disputed this account with the credit bureaus, requesting validation of the debt and that too goes nowhere. The bureaus say that the account is mine, but I have yet to receive validation of this account. Never have I had a payday loan with XXXX or any other company. This account is not mine and Midwest Recovery Systems can not validate this account as being mine. They wont remove this from my credit. This account is fraudulent and the company appears to be fraudulent as well.
|
| 10/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.
|
| 10/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
received numerous calls from Midwest Recovery Systems. Spoke to them today at noon on XX/XX/XXXX and they are stating that I have a debt for over {$3000.00} for XXXX XXXX from XX/XX/XXXX. We have always used XXXX XXXX ( 15+ years ) and it is under my wife 's name and not mine. They say it is affecting my credit report and I need to pay immediately. After reading other testimonials online, it became apparent that this company has been scamming people for some time by making up fake debt and reporting to credit agencies. They called me from XXXX and provided a website of XXXX and told me to update my address online. They say I made a payment of {$50.00} on XX/XX/XXXX, which I definitely did not!
|
| 12/30/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXXX XXXXXXXXXXXXX XXXXXXXXXXXX/XX/XXX/span> I get a notice from XXXX with XXXX. The notice said there was a change to my credit. I logged in and checked my credit. There was a collection account with Midwest Recovery Systems from XXXX XXXX MO., Listing a debt of $XXXX. I have no idea what this is other than I know it's not mine! I looked them up and they have been reported numerous times to the BBB for false collections, such as this. I called XXXX and and emailed them. I also submitted my complaint online to dispute it. I've been through enough with their data breach and there must be something done to keep these false reports added to consumer credit reports as easily as they are!
|
| 08/01/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XX/XX/2012 {$660.00} I was alerted by my credit report that this company reported to all 3 credit bureau that I owe a debt to them and I have never heard of this company. I have never done business with Midwest recovery systems. I do not have a contract with this company. this company added a collection account to my credit report with all 3 credit bureaus without my knowledge. this company has never notified me of this collection account prior to of after it was placed on my credit report. I have no knowledge of this company or the original creditor. I do not owe either company.It is against federal law to place on your credit report without validation of account or notify me of said account
|
| 11/08/2016 |
No |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I received an email on my credit report that I have an alert. When I looked it up. It stated that I owed XXXX XXXX group {$740.00}. I was never notified of this from Midwest Recovery. I spoke to the manager and he stated it was taken out on XXXX XXXX with XXXX. I told him that I did not have an account with them and why was I not notified of this before it went on my credit report. He stated that he did not have my number or address, but he told me my address on the phone when we spoke. Then the date on the credit report said they recieved this on XXXX/XXXX/XXXX. He also say that it came from a third party but could not give me the numbers of the creditor or three party who is XXXX XXXX XXXX
|
| 01/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Got two calls from XXXX XXXX XXXX. I then got a notification from my credit report saying they placed a collection on my report. I never got a letter of dispute which is against fair debt collection practices.
I then called XXXX XXXX XXXX and they state that I do not and have not had a balance of XXXX with them for the date of XX/XX/2015. I also checked with any other physician I saw and I do not have a bill for XXXX with the er at XXXX XXXX. They confirmed this.
This company I called back and they said they were collecting for XXXX XXXX XXXX.
There is no bill due for XXXX all of my bills with XXXX XXXX as of this date have been paid in full. This is a fraudulent bill collection attempt
|
| 07/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Midwest recovery has placed a collection on my credit report from a payday loan that is fraudulent. This is the second time I have gone through this with Midwest recovery systems. Last year they tried to add false information and dates in order to scam me for the exact same thing. After I complained to the XXXX they were removed from my credit reports. They have now reported false information again, I never received any bill or itemized description of the debt whatsoever. Nor have I received any calls or emails regarding the collection. They placed this on my credit report with hopes that I would just pay it to avoid the hassle. It is a 100 % scam. It caused my score to drop 65+ points.
|
| 07/25/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I had what I thought was a scam call from Midwest recovery systems over a year ago told me that if I didn't pay this payday loan form who knows when they were going to take me to court. I asked for proof of the loan and they told me on the phone too late for that. So I said see you in court then knowing it was a scam because I never had taken out an online loan. Didn't think anything of it intel today XXXX18 XXXX and XXXX has a collections on them from these Thief 's. So I called them on the phone XX/XX/XXXX18 and still tell me I have a payday loan for 7 year ago but wont give any details on the loan and nothing written. I cant see how a company preys off of people can get away of it.
|
| 10/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
Midwest recovery systems is trying to collect a utility debt from me that was incurred over ten years ago. The original company I owed the debt to was XXXX XXXX in the amount of {$810.00}. They constantly call my phone numerous times throughout the day and on weekends. Now they are contacting my daughter her telephone number is XXXX and threatening her that they are going to call her employer. This is harassment and it needs to stop. I have block several telephone numbers that this firm uses. If you need any of these numbers please contact me.
The harassing company is : Midwest Recovery Systems.
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX MO. XXXX. Their telephone number : XXXX.
|
| 08/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Midwest Recovery Systems on or about XXXX/XXXX/15 added XXXX erroneous accounts to my credit reports. When contacted they admitted in writing that the XXXX accounts were added to the bureaus in error the week of XXXX XXXX 2015. But they refuse to remove them before the first week of XXXX 2015. We are in the process of getting a home loan and the XXXX erroneous accounts Midwest Recovery Systems added to my credit reports has caused my scores to drop below the minimum qualifying score for my loan. They were able to add the XXXX erroneous accounts during the week of XXXX XXXX 2015 which was not the first of the month and they should be removed immediately before the XXXX week in XXXX.
|
| 12/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
Servicemember |
|
This account does not belong to me as I keep track of my accounts. There was never any mail, phone calls, or emails to notify about account. The XXXX has notified consumers of this account a high level of reports of fraud. The phone number provided is not accurate as I continue to receive busy signals. I am requesting to please remove this account as it continues to affect my score. I have also consulted with a lawyer and was asked to also take this step. All three credit bureaus have been notified as well. Thank you.
XXXX Link : https : XXXX Collections agency commiting this fraud : MidWest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX USA ( XXXX ) XXXX
|
| 12/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received an alert of my credit being negatively impacted by an entry made by XXXX XXXX XXXX in the amount of {$1400.00} on XXXX XXXX. I have NEVER received anything in writing from this company to show that I owe them nor have I received any notice showing that I have the right to dispute. When I looked up this company in your database, a suggested name came up of Midwest Recovery Systems. Once again, I have NEVER received ANY letter from said company either.
Furthermore, I do n't have any contracts with XXXX XXXX XXXX nor Midwest Recovery Systems nor XXXX XXXX XXXX XXXXXXXX.
It is not now, nor has it ever been my intention to avoid paying any obligation that I lawfully owe.
|
| 04/26/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received a debt collection letter stating I owe. on the bottom part of the letter is a notice to challenge the debt with validation within 30 days or else they will assume the debt valid. I sent a certified debt validation letter which was signed for, then a month later received the same debt letter with the same notice to challenge the validity, but with a different creditor. how should I handle this? do I have to keep validating until i actually get the real validation so i can move forward? the debt is time barred its o ver 10yrs attached are two jpegs of the letters received and my validation letter sent i can supply proof of certified letter with post office if needed
|
| 01/26/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Initially was not given a written notice to dispute debt. After I received it via email, I responded in writing to dispute the debt. I did not receive any response, and was then contacted months later stating they had reported the debt to the credit bureau. I had requested documents to forward to my lawyer, but they stated they could only provide verification and documentation to the lawyer and would not provide any verification of the debt. After speaking with my lawyer, he advised that it would not be financially beneficial to retain him for the amount of the debt and advised me to file a complaint for the company 's lack of compliance of debt collection policies and procedures.
|
| 05/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
This account attached has been removed many times, over the course of many years and keeps getting reposted by 2 fraudulent collection agencies, XXXX XXXX XXXX and MIDWEST RECOVERY SYSTEMS. This company has been reposting a false account for many years. I file a dispute and it is removed and then they repost it again. Sometimes the very next day. They're are 2 different companies that do this it seems. They take turns harassing me and hurting my credit report, especially since the covid pandemic started. they have been non stop posting to my XXXX account and probably many others because they know people are desperate to get EIDL loans and SBA is checking that reporting company.
|
| 01/03/2017 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
XXXX XXXX XXXX Amount : XXXX Creditor Type : Other Collection Agencies Last Updated : XX/XX/2016 Creditor Name : XXXX Address : XXXX, XXXX, MO, XXXX Phone Number : XXXX tacit vilotaed my consumer rights all i got was phone call saying my name call regarding documents will not call no documentation as per collection procedures nothing i filed bankruptcy in XX/XX/2016 wiped all payday loans loans they posted on my XXXX credit reports destroying my credit violating all collection procedures again i have no idea what this is and i will not contact them as they over XXXX complaints from BBB in XXXX Illinois and i want the things removed contacted credit bureaus next obtaining a lawyer
|
| 10/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
i have disputed this debt from services they claim were done on XX/XX/2015 this account has been disputed with several companies due to identity theft. Today i saw on my creditkarma that an account for Mid West Recovery was on my credit reports and I called them and spoke to XXXX at Ext # XXXX and he told me that they did not have to notify me before placing the account on my credit report. I told him that the previous companies that have contacted me have been given all the information and could not believe that they did not send them all the disputed documentation.
I feel this company is using the credit reporting companies as a weapon without falling the FDCPA guidelines.
|
| 01/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2017 Midwest Recovery appered on my credit reports with an amount of {$400.00}. I have NEVER been notified by this company informing my I owe this debt. On XX/XX/2017 I sent a letter asking for verification of this debt they say i owe. I have never recieved anything. Not even a phone call. I called the original creditor of this debt and they have no knowledge of this debt in their systems. They said i didnt owe that debt. I would like for this to be off my credit as I believe Midwest is scamming people out of money. They have broke the law with not verifying this debt and by not contacting me before placing this on my report. I have never received anything from them.
|
| 11/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Midwest Recovery Systems LLC has opened an account using my information to report misleading and inaccurate information on my credit report. I have never entered into any contract or signed any documents or made any agreement with this collections agency. They have no right to furnish any information on my credit report. I never gave them any permission. Also, I sent a debt validation letter to them and they have not sent a valid response. They should be shut down! They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and making it impossible for me to obtain credit. Please remove this account from all 3 credit bureaus, XXXX XXXX and XXXX
|
| 01/01/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have previously disputed this debt via cfpb. Company responded XX/XX/18 that they would send a request to the original lender for accurate validation information. However midwest recovery have failed to provide such information violating FCRA. I have waited more than 30 days for them to furnish such information while they continuously illegally report the unvalidated information to the credit bureaus. I want said account removed or I will seek legal services. Do not attempt to call, email, or mail me any information. All correspondence will be via this website. If you can not upload documents to this website proving the debt is mine. Please remove from all credit bureaus.
|
| 08/07/2018 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX after reviewing my credit report I found a debt from Midwest Recovery Systems I immediately mailed them a certified letter number XXXX XXXX XXXX XXXX XXXX validation of debt letter the letter was returned to me refused by receiver I have the tracking information for this item. After the letter was refused I disputed this item with all three credit bureaus XXXX, XXXX & XXXX all three credit bureaus validated this item as verified and updated per my request for validation. I can not be certain this is my account I don't even know who they company is collecting for and after Divorcing in XX/XX/XXXX I don't know if this was my account or my ex-husband 's account.
|
| 08/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
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.
|
| 10/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I recently acquired a new credit report with some strange company named Midwest Recovery Systems on my credit file. I have no clue what this is, who this and why it is on my report. I looked up Midwest Recovery Systems and enjoyed reading about this company. According to the XXXX, they have over 875 consumer complaints regarding falsification of documents and attempted collection tactics. I also discovered numerous lawsuits that they concurred by attaching a collection account to a consumer that does not belong to that consumer. Peculiar enough, sounds like a familiar situation. I even found a small community, that is going through or dealt with these thieves in the past.
|
| 10/13/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have a medical debt listed on my credit reports as of XX/XX/XXXX.
I do believe that this medical bill was paid by my health insurance which I have had prior to this time.
As of XX/XX/XXXX, theres a 180-day waiting period before unpaid medical debts can show up on peoples credit reports.
This debt was placed on my credit report as of XX/XX/XXXX. I was never informed or sent a bill by the hospital of a pending medical bill no less in the amount of XXXX.
I have never received any information or a verification of this debt.
I am living on XXXX and if this debt was verified I would have made an arrangement to pay it. As a person living on XXXX my life depends on my credit.
|
| 04/18/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Midwest Recovery System are attempting to collect a debt that I have no knowledge of. I contacted this company to ask questions about this account. She told me that the account was opened on XXXX XXXX XXXX . She was n't able to give me much detail about the account. All she knew that it was from XXXX XXXX . I had never heard of XXXX XXXX . I stated that I wanted to look this company up to get some information because I had no knowledge of this account they are trying to collect on almost 7years later. She tried to offer me a settlement, I would n't accept the settlement because I was n't taking responsibility for the account that I had no knowledge of.
|
| 11/07/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Collection Agency reported a collection on my credit report without notifying me in any way whatsoever of this action. The debt is not mine.
Other companies have contacted me regarding this debt in the past and have claimed it went delinquent in XXXX, which is past the statute of limitations in my state. Midwest Recovery Systems, who is attempting to collect this debt now, claims it first went delinquent in XXXX of XXXX which is a misrepresentation of what has been claimed by other agencies in the past.
The company has claimed that it is completely legal to place a collection on my credit report without notifying me or allowing me an opportunity to dispute the debt.
|
| 09/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
MIDWEST RECOVERY SYSTEM ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$650.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
|
| 10/21/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I am receiving calls multiple times a day saying I owe a debt from years ago involving a payday loan. I have asked for written debt verification either by mail or by email. Neither which I have received. Then this fraudulent debt shows up on my credit report which made my score drop dramatically. The threatening phone calls state that I will receiving a wage garnishment and that they are just waiting on work verification. They also stated that a warrant for arrest will be sent to my home. I would like this debt to be marked for dispute and fraudulent immediately. Also I would like the collection calls to myself and former friends and family members to cease immediately
|
| 01/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
There are a number of issues wrong with this debt. For one this debt is past seven years old. Secondly this was handled by my insurance multiple years ago, thirdly this is a third party, a debt collector getting debt from another debt collector. I have no contract with this company and have no debt with this company. They have not contacted me before parking this debt on my credit report. I know the cfpb has a strong stance against debt parking, especially old debt from over 7 years ago. This needs needs to be removed IMMEDIATELY before any further monetary loss is made. Im in the middle of a home loan and if this illegal tactic effects it we will really have problems.
|
| 02/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I happened to look at my credit reports and Notice a company called XXXX XXXX had a collection on my account at least until XX/XX/XXXX, the date i received my first credit report from XXXX.
Soon After i assume the Medical Account was sold/transferred to XXXX XXXX XXXX.
I also have my XXXX report showing : DATE ASSIGNED is XX/XX/XXXX.
I never received a notice. I never received a call. No communication was made.
i have tried to contact them and they have not responded in any manner.
I have also tried to contact them on their website on XX/XX/XXXX and I have yet to receive any notification, verification, and/or validation that i have asked for from the company.
|
| 01/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I checked my credit report today and there was all the sudden, out of nowhere a collection account for this company, XXXX XXXX XXXX. I have no business with them and have never received any documentation for any account through them. This was never on my credit report before as an open valid account like other accounts I have, but all of a sudden they are claiming the account is delinquent and in collections. I want the account removed from my credit report as false information that was never validated. XXXX XXXX XXXX has hundreds of complaints from this company regarding false information being reported to the credit companies and this needs to be stopped/corrected
|
| 06/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was notified by my mortgage lender of a company called Midwest recovery systems who placed an item on my credit report for {$930.00} for a supposed pay day loan. I have not taken payday loan since XXXX and I had my bankruptcy finalized in XXXX . I have never heard from this company nor any loan company via phone, mail, or email. It just suddenly appeared on my report. I attempted to contact them and they just threaten me. They refuse to provide any support to their claim and it is having a negative impact on my credit. I have read they are a scam and many people are having difficulties. I want this removed from my XXXX , XXXX , and all to other credit reports
|
| 07/25/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
I had a payday loan from an online lender, XXXX XXXX XXXX, which originated XX/XX/XXXX and went into default that same year. They wrote the debt off and it must have been sold to Midwest Recovery Systems who are now re-aging this old debt. Under California law, the statute of limitations is 4 years - this debt is over 6 years old. This company has been calling me non stop, sent me an email and have reported this debt as new debt with a start date of XX/XX/XXXX with the reporting bureaus, hence my Fico Score has taken a huge hit - they are clearly trying to re age an old uncollectible debt. I would really appreciate your help in getting this resolved.
Thank you,
|
| 02/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
i filed my income taxes online and on my credit report was a new charge thru XXXX XXXX for {$130.00} loan on XX/XX/2020 that i never applied for or recieved and now its gone to collections to midwest recovery systems i believe somebody from 2 previous addresses that i lived at is responsible for theses charges for the same thing happened under my wifes name for a payday loan she never applied for from the same previous address that we have not lived at for more than 6 yrs i disputed this thru XXXX and reached out to XXXX XXXX and midwest recovery and have got no response i reached on on XX/XX/2020 this is for sure identity theft my identity has been compromised
|
| 07/24/2016 |
No |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
Servicemember |
|
I have never received any information regarding this debt. No mail, no contact to validate. I have submitted multiple investigations to the bureaus because it just suddenly appeared on my credit report. After submitting first investigation, they added it to another bureau and after disputing that one, they added to the third bureau. I am at a loss here for how they could report something on my credit and not be able to send me any validation of this debt? The company is Midwest Recovery Systems. Also they are reporting an opening date for the account as last month and that is not possible. I have a clean and clear good credit report. No defaults or delinquencies.
|
| 06/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I checked my credit account, because I received an alert from XXXX XXXX that I had a debit collection added to my credit. I checked my credit and notice a unfamiliar debt from this company. I filed for bankruptcy in XXXX and it last until I converted it to a chapter XXXX and it was discharged XX/XX/XXXX of all debtors. All my new credit is paid and on time, so I did not take out any credit from this company. Please find out why this company has fraudulent placed this collection on my credit.
Company name : XXXX XXXX it was placed on my credit XX/XX/XXXX and updated XX/XX/XXXX.
Midwest Recovery System # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX
|
| 07/09/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Midwest Recovery has recently purchased a debt that I do not owe from XXXX XXXX and after repeated attempt to ask for verification that I owe the debt I have not received a response or verification. The debt has past the statute of limitations according to my state laws in Texas. I am also aware that re-aging of a debt in an attempt to collect on a debt is also illegal under the Fair Debt Collection Practice Act. the most current date on this collection is XX/XX/XXXX for the amount of {$980.00}. I also have proof that this account was should the first date of delinquency is XX/XX/XXXX which mean the account was re-aged in an attempt to further collect on a debt.
|
| 03/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This debt for XXXX XXXX was removed from my credit report in on or about XX/XX/XXXX when it was originally disputed with all 3 credit bureaus.
This account was Closed per Florida XXXX and XXXX in XX/XX/XXXX.
XXXX from XXXX Hospital confirmed this on XX/XX/XXXX.
XXXX from XXXX, phone number XXXX confirmed the account was closed and No further attempts to collect on this debt would occur.
As of XX/XX/XXXX, I received an alert per my credit monitoring indicating that XXXX XXXX XXXX XXXX has reinserted this account on my credit report as of XX/XX/XXXX, and is in violation of FRCA as this account is closed.
No further efforts to pursue this account are legal.
|
| 04/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
MIDWEST RECOVERY SYSTEMS ( XXXX XXXX XXXX ) a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$890.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
|
| 08/22/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
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.
|
| 03/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am in the process of applying for a mortgage. A brand new negative entry for a collection account from Midwest Recovery ( orig creditor XXXX, {$2900.00}, XXXX ) has recently been added to my XXXX and XXXX credit reports, approximately 2 weeks after the mortgage application. I have never had an account with XXXX. I have never been contacted by XXXX nor Midwest Recovery, no phone calls, no mail, no emails. This means I've had no recourse to dispute validity directly with them, and so it appears to be in violation of the FCRA. Unfortunately I have no documentation to send with this complaint, because I've never been provided with any information on this account.
|
| 08/26/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
I have contacted Midwest recovery systems and XXXX credit bureau in regards to an account Midwest has with XXXX. XXXX. This account in the amount of {$670.00} was paid in full as of XX/XX/2018 to Midwest Recoveries attorneys XXXX and XXXX. I've sent a paid in full letter twice to both agencies with no luck. One tells me that XXXX and XXXX need to do it notify XXXX credit bureau and Midwest recovery says that I do. I have sent everyone documentation twice and faxed it once both to the above company.
Items on my credit report with XXXX sore I have no credit card debt. And everything is at XXXX they are showing open balances from XXXX they will not correct it.
|
| 06/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a negative report on my XXXX Credit Report back in XXXX of XXXX from Midwest Recovery Systems about an unpaid debt. I never received any mail or letters in regards to this supposed debt. I also have not lived in the State of Florida since XXXX and had not been to a doctor for at least a year prior. I disputed that and it was removed on XX/XX/XXXX off of my XXXX Report.
As of XX/XX/XXXX, it was alerted to me by XXXX that the same company is reporting that I have a debt in collections with them. I went through XXXX to dispute this. It is now XX/XX/XXXX and I have yet to receive notification that this will be removed as it is NOT my debt.
|
| 12/18/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midwest recovery systems is reporting a pay day loan that is was never mine. I have received phone calls that are breaking the law and threatening. I reported to the federal trade commission. I want this removed immediately!!!!!!!!!
I will continue to submit multiple complaints weekly until it is deleted. Also, i found a threatening voicemail from your company that i have forwarded to the FTC. I will file complaints with CFPB, BBB, and FTC until this is deleted. This is not my debt and you need to show proof that it is.
I WILL NOT STOP TILL DELETED. THIS IS NOT MINE AND YOU HAVE NO RIGHT TO REPORT INACCURAE INFO ABOUT A PAY DAY LOAN I NEVER HAD.
|
| 12/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Hello. I am struggling with an account from XXXX XXXX showing up on my credit report as delinquent as of XX/XX/XXXX.
I had a car loan from this company in XX/XX/XXXX or XX/XX/XXXX. Within a week of me having the vehicle, it died and needed over {$5000.00} in repairs. My father took the vehicle back to the XXXX XXXX XXXX-which is the car lot I purchased it from. After this, we filed several reports with the better business bureau. I have n't heard anything else about this car since then. It has never been on the credit report. We are now going into XX/XX/XXXX and it just now hit my credit report as delinquent. Please guide me as to how to fight this.
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| 06/26/2016 |
Yes |
- Debt collection
- Payday loan
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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ON XXXX/XXXX/16 MIDWEST RECOVERY SYSTEMS SUBMITTED A DEROGATORY ENTRY ON MY CREDIT REPORT FOR XXXX $ BUT AFTER A COMPLAINT TO THE ( CFPB ) THE ORIGINAL CREDITOR [ XXXX XXXX XXXX XXXX ] RECALLED THE DEBT FROM THEM AND THE DEBT WAS FORGIVEN FOR XXXX $ ACCORDING TO XXXX XXXX XXXX RESPONSE ON XXXX/XXXX/16 .THAT IS A + DIFFERENCE OF XXXX DOLLARS THAT MIDWESTERN RECOVERY SYSTEMS TRIED TO EXTRACT FROM ME ILLEGALLY.I DEMAND THAT MIDWESTERN REMOVE THE NEGATIVE ENTRY ON MY CREDIT REPORT BECAUSE THEY NO LONGER HAVE THE AUTHORITY OR PERMISSION TO ACCESS MY CREDIT REPORT FOR ANY REASON DUE TO THIS DEBT BEING RECALLED FROM MIDWESTERN RECOVERY SYSTEMS AND FORGIVEN.
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| 03/28/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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On XX/XX/XXXXI recieved a notificaiton from my credit report. Midwest Recovery Systems reported to my credit report on XX/XX/XXXX stating I owed them {$480.00}. I have never heard of this company nor the company they are collecting for. I have researched their name and have read multiple reports that this company is a scam. I have also researched the name of the company they are collecting for and they do not have any record of being in the state of Utah. I have not contacted them due to not having sufficent information or a letter/notification stating that debt was due. I am afriad to contact them due to identity theft which may be a possibility.
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| 12/04/2016 |
No |
- Debt collection
- Payday loan
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I received a phone call to collect on a debt and the agent quote an address that I have not lived at in 7 years, the call got disconnected. I am trying to purchase a home and when my credit report was pulled there is a {$850.00} collection account. I called the agency to see what this collection was for and it was the same people that tired to contact me previously. The agent told me that they are going to report this debit every week on XXXX to continue to decrease my credit score until I pay it or if I pay the {$850.00} they will wipe the debit off of my credit report like it was never there. The collection agency is calling me all day everyday.
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| 06/16/2020 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This Company has a history of trying to put stuff on the credit report of people they continue to do this to me all the time and I have to waste my time to dispute it on the credit bureau. I went to read their reviews and they are doing this same thing to a lot of people. They need to be stopped I have two good medical Insurance and I do not owe a medical bill anywhere this company is fraudulent. They like to try to put things on peoples credit report to try to get people to pay them they are fraud. trying to collect over {$1100.00} in payment. the name of the company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Phone number XXXX
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| 10/29/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I was never informed of this debt, nor do I have any knowledge of this account. This is reported on my credit to all 3 credit reporting agencies and is negatively affecting my credit. I was never sent anything in the mail, and when I disputed they still are fighting the validity of the debt however was never afforded the opportunity to challenge this account.
I have contacted the company multiple times, and they do not give me any help, stating they sent something but it was not to a current address. This item should be removed off my credit report as I have no knowledge of this account and was not given the opportunity to dispute the account.
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| 02/12/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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A collections was placed on my account for the amount of {$11000.00} on XX/XX/2018 by Midwest Recovery Systems. I am not aware of this debt and I have no documentation that it is mine. I was never even contacted by the original creditor, nor was I contacted by this collections agency via email or mail, before this was placed on my account. I do believe that a notice should have been provided so that I could have opportunity to pay or make other arrangements. I've reported this information to the XXXX and have disputed this claim through XXXX XXXX. While on XXXX XXXX I did notice that other patrons was affected by Midwest Recovery Systems also.
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| 09/27/2017 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medicam information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to MY medical records. I know for a fact i did not give ANY provider permission to share my medical information. Midwest Recovery needs to remove this account off my credit report and send these accounts back to the original creditors. In addition i will be filing lawsuits against these creditors for violating my medical rights.
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| 01/11/2017 |
No |
- Debt collection
- Payday loan
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I settled all my debts a couple of weeks ago, I paid all XXXX collection agencies that claimed I owe them. XXXX recovery systems claim I owe them {$780.00} plus, I settled with them on XXXX XXXX 2017. My conformation # is XXXX.
I also settled with XXXX for {$33.00} ( which I owed ) I setteled those accounts on XXXX XXXX as well. Conformation # is XXXX and XXXX was also settled since the credit was sold to the same creditor. Payment conformation XXXX.
All these payment were made electronically and I proof of payment.
I do plead that you look into this urgent matter for me and I truest appreciate the help and thanks in advance.
Sincerely XXXX
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| 05/02/2017 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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MIDWEST responded by copying and pasting my response as their response which is bluntly saying they do not Care about the law. Keep case Open! FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Midwest Recovery has been reporting unverifiable and inaccurate information on my credit which has damaged my credit and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.
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| 02/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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|
Web |
Servicemember |
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Midwest Recovery Systems, I have had a collection from this firm removed several times from my XXXX, XXXX and XXXX credit files. First I have no knowledge of this debt and they never prove it accurate, next they continue to change dates of first delinquency so the credit agencies will allow it to report. Each time it is removed, they report it again months or even years later and just report a different first date of delinquency so that it will show up. This started in XX/XX/XXXX and 9 years later they continue, including again this week, thus once again sinking my credit scores will I once again wait for the CB 's to investigate and delete.
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| 03/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have taken a major drop in my credit score because od this fraudulent account. I have never had an account with this company or agreed to any contractual agreement to repay A debt. On my credit report it says the original creditor was A place called XXXX XXXX XXXX. When I contact XXXX XXXX XXXX they inform me this was an online loan taken out back in XXXX and the debt has been sold to this company. This is A FDCPA violation! This company is reporting inaccurate FRAUD information on me report with A open date XX/XX/XXXX! I have informed the original creditor this is A fraudulent account as I have never had a loan taken out with anyone.
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| 09/03/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XXXX after receiving an alert regarding an account appearing in my XXXX credit file, I immediately contacted midwest recovery systems regarding a debt from a Mastercard claiming that owe {$670.00} I explained to the representative I never owned a mastercard and that I had been a victim of identity theft. I asked the rep whom did midwest recovery systems purchase the debt from which he insisted the debt was owned by a company named XXXX XXXX etc. In addition I informed the rep on the phone I never received any initial 5 day notice from the owner of the debt nor any correspondence regarding this debt which is another violation of FDCPA.
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| 11/10/2016 |
No |
- Debt collection
- Payday loan
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- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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I just checked my credit and have a collection attempt showing up this month from a company called Midwest Recovery Systems claiming to be collecting on behalf of XXXX XXXX XXXX. I 've found this to be a Pay Day Loan service. I have never in my life obtained a Pay Day Loan, from XXXX XXXX or any other Pay Day Loan company. I 've emailed them saying the debt is n't mine and that it is fraudulant, but in looking online, it seems I am just one of many consumers being impacted and targeted by these XXXX companies. I also would like to add that I 've never been contacted by this company in any way prior to them showing up on my credit report.
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| 05/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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Web |
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Midwest Recovery Systems just slapped a fictional, new debt on my credit. This is so infuriating! There is no reason to believe this is a legit debt, because I've been insured for 5 years and this is a supposed medical debt. They have an awful rating with the XXXX and multiple consumer reports. Plus, in accordance with Ohio law, I am entitled to correspondence from a debt collector before anything is reported on my credit. I did not get a phone call, a letter, nothing. I'm currently going through this with 2 of these scam companies. Oddly, this happened 3 days after my XXXX credit line was massively increased and reported to my credit.
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| 01/16/2017 |
No |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
Servicemember |
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XX/XX/2016, a {$690.00} collection account from Midwest Recovery was added to my credit report. I disputed it with both XXXX and XXXX and since the company did not verify within 30 days that it was a true debt, it was removed.
Now XX/XX/XXXX I have received calls on my cellular, at work, my friends and family have been contacted by a company called XXXX XXXX - XXXX XXXX - they are trying to serve me papers for a pending lawsuit. This is completely embarrassing and they are harrassing me and family members for something i do not owe.
the number they call and text from is XXXX and stating i should call XXXX to pay a debt i do not owe.
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| 11/14/2016 |
No |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
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On XX/XX/2016, I received a credit monitoring alert from XXXX. Upon investigating the alert, I found a collection account had been added to my credit report from a company named Midwest Recovery Systems, LLC, located at XXXX, XXXX, XXXX XXXX, with phone number ( XXXX ) XXXX. The original creditor was listed as XXXX. I have never heard of either company nor done business with either one. Neither one contacted me prior to this, so I never had the opportunity to request validation of debt. They are in serious violation with the FDCPA. My intent, if this is not resolved ASAP, is to file a lawsuit in the United States Federal Court of XXXX.
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| 01/24/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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Looked at my credit report onXX/XX/XXXX and noticed a new account. The account is under MIDWEST RECOVERY SYSTEMS. I called the number today XX/XX/XXXXand spoke to a representative and he informed me that the debt is for a payday loan that I took out in XX/XX/XXXX from a company called XXXX XXXX in XX/XX/XXXX. I have never heard of the company nor did I take out any payday loans. The representative told me that e would do a debt validation letter and I should receive a letter in the mail. This company has contacted me before claiming that I owed another payday loan from another company a year ago that I disputed and I had it removed.
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| 04/30/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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I have tried to contact Midwest recovery Systems, on several occasions one on XX/XX/XXXX and then again on XX/XX/XXXX and both times I requested to talk to a supervisor and both times I was transferred to a voice mail and I have left a message both times with no return call, the alleged debt is for {$260.00} and Midwest received it on XX/XX/XXXX and on XX/XX/XXXX was reported to my credit report, I was never notified regarding this alleged debt from 2015 is when Midwest is saying it was originally from. I have requested verification on the debt but Midwest never verified my address in order to send the verification of the debt too
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| 07/17/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Older American |
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On XX/XX/XXXX via an online site, I took a payday loan from XXXX in the amount of {$600.00}. This loan was las reported on my credit report on XX/XX/XXXX. On XX/XX/XXXX, this loan has resurfaced on my credit report through Midwest Recovery in the amount of {$1500.00}. I am uncertain but based on my research I am understanding that " it is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. '' I believe this may be the case. But, I am requesting your review of the matter. This account has appeared on my credit report on XX/XX/XXXX. THIS DEBT IS 9-10 YEARS OLD.
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| 01/16/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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Hi, Today I found that my credit score is dropped because the collection agency put debt to my account. I have never heard about this agency. They never contacted me, no email, no contact, and no written mail was received from them. Also, the debt that they are put on my account is invalid since the membership account had not been activated and was closed.
In addition, when I searched I found that this company is not existed anymore and their license is expired in 2013. There are lots of complaints against them due to the same reason. How come without any notification they can put dept on my account and reduce my score for XXXX!
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| 08/10/2019 |
No |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
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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
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| 01/15/2020 |
No |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Midwest recovery systems keeps putting a collection on my credit bureaus for a debt with XXXX XXXX, says I owe {$260.00}. Have disputed twice with XXXX and they have removed twice due to invalid acct. Midwest keeps putting it back on, now its on XXXX also. Have once again disputed with both. Called Midwest and asked for proof of debt since I haven't used checks in years ( im assuming this is a payday advance place ) and they refuse to provide proof of acct. plus the dates change every time they put it back on, now it says first reported XX/XX/2020. My bank will prove that a check has NEVER been submitted for payment for them.
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| 12/18/2016 |
No |
- Debt collection
- Payday loan
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I was just made aware that my XXXX/good credit score took a dramatic drop because XXXX XXXX XXXX incorrectly reported that I owe a payday loan of {$840.00} to all XXXX agencies. I have NEVER taken a payday loan with MRS or the companies they represent and have never taken out a loan in the 12 years I 've been here. I 've disputed this with all XXXX agencies, filed a XXXX compliant and am now doing this with you. After researching Midwest Recovery Systems, hundreds of other people have complained about the exact same thing. This was illegally and mistakenly added to my report and I want it removed on all XXXX reporting agencies.
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| 11/23/2018 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Indicated you were committing crime by not paying debt
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|
Web |
Servicemember |
|
A company called XXXX XXXX XX/XX/XXXXhad put a negative item on my report for an amount not owed. I hire XXXX XXXX XXXX about this and after a while it was taken off my report needless to say it is over 5 years old, anyway the debt was put back on my credit report as a new debt and reported fraudulently under a different amount. It was taken off my report again. This last time it was added to my report by a collection agency under a different amount as being a new debt from Midwest recovery with the date as beingXXXX this information is totally incorrect. Please look into this matter as I feel that it is not legal or ethical.
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| 07/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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|
Web |
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This account was a fraudulent account opened without my permission or correct signature. My identity was stolen and the person used that information to open an account with XXXX XXXX XXXX. Midwest Recovery Systems has placed this in my credit report several times even though the original debt is over 7 years old and it was disputed and removed from my credit report over 2 years ago! Please investigate Midwest Recovery Systems for their debt collection practices and harassment! I want this deleted from my credit report immediately and a notice mailed to me stating in writing that it has been resolved and removed permanently!
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| 10/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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I was notified by XXXX XXXX that this recently showed up on my XXXX and XXXX credit report. I viewed my credit report and it shows a collections item from Midwest Recovery Systems. The account was opened on XX/XX/2018 ( 3 months ) and the original creditor is XXXX XXXX. The amount is for {$350.00}. I never requested any payday loan on or around this date from this company. I haven't had any payday loans in over 5 to 7 years. I feel as though this is a result of identity theft and/or fraud.
Creditor Information Provided by XXXX XXXX is : Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
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| 10/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I have previously disputed the account in question in which the account along with others were removed. I have disputed this debt with you as well as XXXX XXXX multiple times but it keeps reappearing. The same company keeps adding this debt to my credit report stating that this is my debt. These accounts are being added as new accounts and I have never been to nor do I know of any company by the name of XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX. If you keep records of disputes made through your system, there should also be photos and documentation there as I did not keep all photos because I thought this matter was resolved.
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| 06/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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|
Web |
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The collection agencies that I've listed below are reporting old debts. They are re-aging them and placing them on my credit report. It is my understanding that this is illegal for someone / company to re-age a debt that is greater than 7 years plus the statue of limitation in the State of XXXX is 4 years.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Debtor : XXXX XXXX XXXX Original Creditor : XXXX XXXX University Amount : {$160.00} Date incurred : XX/XX/XXXX Midwest Recovery Systems XXXX Original Creditor Name : XXXX Type : Payday loan Debtor : XXXX XXXX XXXX : {$700.00} Date Incurred : XX/XX/XXXX
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| 12/20/2017 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
|
While checking my credit reports I noticed a collection from Midwest Recovery Systems. This is not my debt and I have n't heard from Midwest at all concerning this unverified debt. This violation of my rights has caused stress and damage to my credit report. On XXXX XXXX, XXXX I sent a letter to the creditor asking them to validate the debt as well as remove the debt if the information was reporting inaccurately. I 've received no feedback from this company. I did receive a notification from a credit monitoring system I subscribe to that the debt was being reported as a collection. I have NO KNOWLEDGE of this debt at all.
|
| 11/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I wish to file a complaint against a debt collection agency, Midwest Recovery Systems, for multiple reporting of the same collection on my XXXX report.
The collection was reported on my XXXX report on XX/XX/XXXX. It was also reported on my XXXX report at the same time.
I sent a dispute letter to XXXX on XX/XX/XXXX. Two weeks later I received a letter from XXXX informing me that the collection was deleted from my XXXX report.
I have since been notified that Midwest Recovery Systems reported the same collection on my XXXX report on XX/XX/XXXX, resulting in two identical entries of the same collection on one credit report.
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| 05/03/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
On XX/XX/2020 I received notification from XXXX my credit report changed. I checked and there was a collection account for Midwest recovery systems llc. I reached out to both midwest recovery systems and they did not have a valid mailing address on file and they never sent notification 30 days prior before this was placed on my credit report. I reached out to XXXX XXXX loans the original creditor and they do not have an account for me in their systems. The represenative from Midwest Recovery systems refused to provide me a mailing address or any information about the debt and refused to send out any paper notifications.
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| 05/25/2019 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
|
Each company, Midwest Recovery and XXXX XXXX have reported the exact same debt twice ( {$720.00} ) on my credit report. I disputed and XXXX took it off. I have no knowledge of the debt to begin with because I had insurance at that time ( Medicaid ) which covers 100 %. The same is true for the other amount of ( $ 1000+ ) XXXX found that this was not valid and took it off. I believe they did on XXXX too but then it pops back up as a brand new collection after taken down. I do not owe those companies for anything as they have not provided any service to me. I feel I am being harassed by companies trying to ruin my credit.
|
| 12/30/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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|
Web |
|
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Company is trying to collect debt thats past the California statute of limitations. Multiple daily calls on my work, personal, and house phone and using scare tactics including making threatening statements that law enforcements will come and arrest debt owner if no action is made immediately. They are harassing calls every day and refusing to provide proof. If phone is not answers. They are refusing to leave a message. They are also using multiple phone numbers using similar area codes and close numbers to our personal phone numbers.
A disputed has been filed with two credit reporting agencies including XXXX and XXXX
|
| 04/18/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX I sent Midwest Recovery Systems a certified letter disputing a pay day loan that I really don't recall. I ask them to send me evidence of this loan and the amount. It is on my credit report in the amount of {$2400.00}, I have never received a pay day loan with high of an amount. Midwest Recovery Systems said they are collecting for 12 XXXX on my credit report. On my credit report it says the date opened XX/XX/XXXX on XXXX and XXXX on XXXX and XXXX . I have never received a letter from this company about this debt. And they are continually to report this debt on my credit report, like every other week.
|
| 06/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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sent police report and ftc taking more than 30 days cra violations Not mine inquires XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Complete Department Stores XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
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| 05/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I never received notification from the company prior to them reporting to the credit reporting agencies. I just received notifications that a new collections account was added. My address has not changed so there was no reason why I was not given proper notice and given a chance to proper dispute the debt. I have sent letters to the company twice with no response. The last letter sent on XX/XX/XXXX was for a cease and desist because I would prefer to deal with the original creditor. No response. They company has 2 different address and I sent the same letter to both addresses so that I can make sure they received them.
|
| 07/12/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I recently checked my experian report and noticed that Midwest recovery system located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX put a collection on my report from XXXX XXXX loan that has been paid off in XXXX. I have not received any information that there was money due and why was there a balanced on a debt i have paid off 3 years ago. I tried calling a few times and could not get anyone to give me answers. The web loan was paid in full in the amount of {$650.00} but on my credit report it says i have a balance of {$800.00} in collection which is frivolous and it date back to XXXX/XXXX/XXXX which is absurd.
|
| 05/02/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I had a payday loan from cash first advance of XXXX $ that i contracted in XXXX and loan was place in collection by a Midwest recovery system. In XXXX, XXXX, they took off my credit collection. Now they decide to place it back in my credit report but they did twice. they duplicated twice they amount ( XXXX ). I talk to them they don't want to call the originate company to get the correct amount of the debt. I called the first cash advance the originate company, they said the amount was XXXX, but they said they can not provide my a document, they said I should deal with Midwest recovery system witch the third company.
|
| 07/15/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I took out a payday loan in XXXX thru XXXX XXXX XXXX. The only payday loan I've ever taken out. I defaulted and in XXXX I was contacted in XXXX by a collection agency to settle the debt. Which I did and have a paid in full letter. Then the following month I was contacted again by a separate agency telling me I paid the wrong people. So again I settled the debt and received a separate paid in full letter which I still have. Now 7 years later another company has reported the same debt on my credit file and placed it for collection. I will not pay the same debt again. I want this collection removed from my credit file.
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| 05/29/2019 |
No |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I found Midwest Recovery Systems on all three of my credit reports and I've never even heard of the account. It says it's for a pay day loan and I've never opened one before. My identity was stolen a few years ago and I have an fraud alert but somehow these people still harass me, them showing up on my credit report is the final straw. I get phone calls all the time threatening to arrest me. I believe Midwest Recovery Systems is behind every problem I've had and they're responsible fully for my identity theft. It's the same company, they just change their me every year because they start to get so many complaints.
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| 05/29/2019 |
No |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I found Midwest Recovery Systems on all three of my credit reports and I've never even heard of the account. It says it's for a pay day loan and I've never opened one before. My identity was stolen a few years ago and I have an fraud alert but somehow these people still harass me, them showing up on my credit report is the final straw. I get phone calls all the time threatening to arrest me. I believe Midwest Recovery Systems is behind every problem I've had and they're responsible fully for my identity theft. It's the same company, they just change their me every year because they start to get so many complaints.
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| 08/24/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Midwest Recovery Systems attempted to ding my credit by reporting to the three credit bureaus that I owed money on a payday loan. When I requested for said proof, they never provided. Therefore, they agreed to remove tradeline off my credit reports. And they did, for XXXX only.
The negative tradeline still shows on XXXXn & XXXX. Therefore, I request that they remove those negatives items, just as they did on my XXXX report. Therefore, I resubmit once again a complaint for them to do right. I should not have to complain with the CFPB every month to take care of this, this should have already been done. Thank You
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| 11/16/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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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.
|
| 02/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have been a victim of identity theft and it seems that this will be a never ending miserable issue for me. The credit cards with XXXX XXXX XXXX were opened fraudulently not by me. I disputed these accounts with the original creditor and all thee bureaus and the accounts were deleted from my credit file. I submitted a police report for these fraudulent accounts as well. Now, these accounts are in collections and reporting on my credit files again with a different creditor, Midwest Recovery Systems. This is not only frustrating but it is also causing a negative impact to my credit file for an account I never had!
|
| 09/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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The aforementioned credit collection agency representing The XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Midwest Recovery Systems does not have any documentation, they need to retract this from my credit file immediately.
|
| 12/16/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I pulled up my credit report and notice a collection debt from Midwest Recovery Systems for XXXX being reported. I have disputed this with credit bureau but no information has been provided about the account to me. I sent a certified letter to Midwest Recovery Systems and still no response or information about this account. I haven’t received any information nor have I signed any contract with this company. I am unaware of the company. They are destroying my credit with this collection account on my credit report. This needs to be removed off my credit report because I have never done business with this company.
|
| 04/07/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Dear CFPB, I am so chocking today that a company names : Midwest recovery system did HARD pull on my credit bureaus and put a DELINQUENCY XXXX $ collection debts that I dont have no clue what is it and where that coming cause I never received a billed letter to my address until today they fraudulently entered to my credit reports and take they feet down to my neck and messing up my credit score and my credit report.In that particular case I want Midwest Recovery System take immediately action and removed this item from all my 3 credit bureaus..Thank you very much! Please CFPB, received my most sincere Greetings.
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| 05/12/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XXXX XXXX , XXXX I was alerted that I have a collection notification on my credit report. For the amount of {$690.00} from Collection Agency : MIDWEST RECOVERY SYSTEMS, This is the first i 've ever heard of this. I 've never not paid a single debt I had. I 've googled MIDWEST RECOVERY SYSTEMS and this seems to be a fraud / scam collection company placing unwarranted reports on multiple peoples credit report.. I 've never received a phone call, an email, a letter. NOTHING and this magically appears on my equifax report. This is 100 % identity theft or some sort of scam as I do not own this debt.
|
| 11/07/2016 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
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This company ...
MIDWEST RECOVERY SYSTEMS XXXX XXXX, MO XXXX ( XXXX ) XXXX Has shown up on my credit report as of XXXX XXXX, 2016, in the amount of {$770.00}, and it shows an open date of XXXX XXXX, 2016. It also shows the original creditor as " XXXX XXXX XXXX XXXX '' ( In which I do n't know who they are either ), I have not opened any payday loans, and I 've tried to look the company up online, in which it shows the website is down for " construction '' and I 've tried contacting them via this number and I 'm just on hold with no one responding. I have no idea who this company is or why this is on my report.
|
| 05/17/2019 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I previously filed a complaint with XXXX thru this agency on these two accounts were said to have been deleted. I am attaching a copy of the response from XXXX dated XX/XX/XXXX and the current copy of my XXXX XXXX report. As you can see they are still showing on my file. Also I am disputing the {$61.00} new collections from MIDWEST RECOVERY SYS on behalf of XXXX XXXX XXXX. I dont see doctors in XXXX. This is also the same city that someone had water turned on in my name. I had previously sent XXXX the copy of the fraud report I filed in XXXX when I first discovered this.
I want these accounts off my report
|
| 03/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
Servicemember |
|
I received an alert from XXXX that my credit score had decreased. When I logged in to try and figure out why, I noted a collection from Midwest Recovery showing an opening date of XX/XX/2019 and non payment each month thereafter. The original creditor was XXXX XXXX in which I have not had an account with in over 15 years. This collection company is attempting to destroy my credit and is succeeding by reporting false information. They have simply re-aged a very old debt to make it look as though I opened a new account and fail to pay. I disputed this twice with XXXX and they have failed to remove the account.
|
| 11/02/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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The aforementioned credit collection agency representing XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX and XXXX.
The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If MIDWEST RECOVERY SYSTEMS does not have any documentation, they need to retract this from my credit file immediately.
|
| 06/29/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
Servicemember |
|
A collection agency, which I have never heard of or from, has reported negative information to the major credit reporting agencies and has lowered my credit score.
How can a business do that without contacting the person they claim are owing the debt?
The debt is from a payday loan company that I have never heard of so I am curious how I can be in collections for something I know nothing about.
Imagine the surprise when I found this unpaid debt on my credit report just out of the blue.
CFPB is asking for me to attach any supporting documents. How can I do that when I have n't heard from either party. haha
|
| 04/23/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
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I have been receiving calls from so many different numbers that I can not keep up, on several occasions I have told the caller that I have no idea about this debt to which they have stated to me that they would come to my job and give me paperwork when I told them that is harassment they made horrible obscenities to me, they said you should not borrow XXXX if you can not pay for it, I asked them to please stop calling my phone and I was told that they can call me whenever they please until I pay this debt, I was harassed and actually a little afraid about it, now I see that they put this on my credit report.
|
| 04/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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I received notification on XX/XX/2020 a new credit report entry was submitted to my credit. However, I have not applied to have any new credit recently.
I called Midwest Recovery Systems at XXXX central time. I was informed the call was being recorded. I provided my name and number. They requested I provide my social security number I declined due to multiple scams being attempted. Furthermore, I requested information about legal department person refused by hanging the phone up in my face. I called back at again. It provided a message about leave name and number and we will get back to you within 3 days.
|
| 09/15/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
|
I sent two certified letters to CA for validation and they sent me a copy of a bill. And that according to the Fair Debt Collection Practices Act, I have the right to ask them to send proof of that debt. The Fair Debt Collection Practices Act, a federal law regulating debt collectors, allows consumers to request the debt collector to send proof of then debt through a process called debt validation.
A copy of a bill IS NOT proof of debt. I also stated they were violating my rights under the law put in place to protect consumers and I demand proof of this debt or delete it from my credit reports immediately.
|
| 03/19/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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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.
|
| 02/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Company is attempting to collect a debt of approximately $ 7K that I do not owe. They have reported this debt my all 3 credit bureaus and posted to my credit report erroneously. There is no contact for this debt ... .The website 's contact information forwards to an online pharmacy company. They have an F rating on the XXXX for not providing proof of the collection. Please help me remove this from my credit reports.
Midwest Recovery Systems, LLC.
Collections Agencies This is a multi-location business. Find a location XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX http : //www.mrs-direct.com/ ( XXXX ) XXXX
|
| 12/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Never heard of the company, Midwest Recovery Systems until I started getting calls week of XXXX XXXX. They never leave messages. Reviewed my XXXX report today to see they are stating I owe them {$800.00} from the original creditor XXXX XXXX. This company does not exist calling from different cell # 's in the state of Florida. State Of Florida is not in the Midwest that 's how sad this is. This is ridiculous. It amazes me they call the week this was added to my credit report with no previous documentation stating I owe this bill, which I do not. I am highly XXXX XXXX and plan to go to local authorities.
|
| 05/14/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
I took out a payday loan around 5 years ago that I had every intention of paying back. I was not at the time able to do so and it was sent to collections. The collections company Midwest Recovery has called myself and my family stating I had a pending suit or that charges would be filed against me if I didn't return their call. I've also had them leave voicemails stating they were from a government office. In addition to this they are reporting on my credit that this account is only 6 months old when in fact it is around 5 years old. I don't feel that any of this behavior is acceptable or trustworthy.
|
| 06/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is my sons debt for the amount of XXXXdollars that opened XX/XX/2019 for season tickets to XXXX XXXX XXXX XXXX me and and my son both reached out to Midwest recovery systems to explain this is my sons debt but I have had no cooperation from them I have filed disputes with XXXX and XXXX I had very good credit rating and exceptional payment history this my sons debt we share the the same same I am a XXXX and he is the XXXX and some how they used my name I have not received any billing statements or emails regarding this it was opened with my sons email account and phone number and credit card!
|
| 06/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2018 I made contact with the XXXX XXXX XXXX about this company, because an entry appeared on my credit report without any knowledge of the company or the amount of money owed. I requested a validation of debt from the company in writing and through the XXXX XXXX XXXX and MidWest Recovery assured they would honor the request and mark all three credit bureaus as account amount disputed. To date I have not receive anything in mail from MidWest regarding the debt owed and to my understanding 5 days after contact the company should honor by sending communication via US mail about the debt owed..
|
| 04/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a notification through XXXX XXXX that there was a change to my credit report. When I checked I saw a collection on my report. I looked up the company that filed ( MidWest Recovery Systems ) the collection on my report and since I had never heard of the original creditor, I called and asked them to email me the original creditors information. I told them I had never heard of XXXX XXXX before and this was not mine. They verified my email address said have a nice day and then hung up very fast. They didn't email me any of the information either. I need to get this off my credit report asap,
|
| 05/01/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Midwest Recovery Systems, LLC is a collection agency from Missouri who is reporting a collection accounts on my credit report with XXXX and XXXX. I am a resident of the state of Colorado. I sent a request to both credit bureaus in XX/XX/2020 and to the company at the same time asking to validate this debt. To this date I have not received a response from the credit bureau or the collection agency. Subsequently, I discovered that Midwest Recovery Systems is not a licensed collection agency in the State of Colorado. Their address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Missouri XXXX, XXXX XXXX
|
| 12/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
AGAIN, Midwest keeps copying and pasting responses that have NOTHING to do with the root inquiry. I have told Midwest several times to stop adding fraud trades to my CRA files yet they keep doing it infringing on my rights covered by the FCRA. I WILL PURSUE LEGAL ACTION IS THIS IS NOT STOPPED AND THE TRADE IS NOT REMOVED. I have NEVER received any validation paperwork or phone call from Midwest in regards to this so called XXXX XXXX debt that I am entitled to review BEFORE it is put on my files. This is fraud and for your convenience, I have attached my identity theft form. REMOVE THIS TRADE ASAP!
|
| 06/09/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX appeared on my credit report with XXXX and XXXX stating that I owe a payday company by the name of XXXX XXXX. The collection was placed on filed XX/XX/2018. I have contacted the company directly, and there is no loan taken out. They are not sure of why its on my credit report. I called XXXX which is the number that shows on the report through XXXX XXXX for Midwest, and you get nothing but a recording then silence. I researched the company as well and this is a scam. It seems to be going around with the users of XXXX XXXX.
|
| 05/10/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This " XXXX XXXX XXXX '' payday loan originated in XX/XX/XXXX. The supposed current balance is {$1400.00}. The statute of limitations in Michigan is 6 years. In addition, the interest is far beyond what Michigan allows for pay day loans. For over 5 years, I never received any correspondence for this account, nor any calls. This items popped up on my credit report out of the blue over 5 years later in XX/XX/XXXX. I don't feel this is right and given the timing and criminal interest, feel this item should be removed from all 3 of my credit reports. XXXX just denied my request to do so. Please help.
|
| 01/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have never received any form of contact from Midwest Recovery Systems. One day I received a credit alert, and noticed my score dropped. The cause of the drop was due to a collection account reported by Midwest. Upon learning this, I have tried contacting the agency as I was not called, mailed, or in any sort of communication. I requested my debt to be verified twice. It was reported on XX/XX/XXXX as a collection/ charge off. The due amount is {$200.00}. That is all the information I have on this debt, and only because of my credit alerts. They have yet to reach me and it is already XX/XX/XXXX.
|
| 09/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.
|
| 04/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
mid west recovery system put a debt on my XXXX alling and under XXXX XXXX XXXX for XXXX that is not my debt, lately not sure what is happenening i am getting debts on my credit report that belongs to someone else, this carelessness, people should be accuratle putting informaton on the right person file, please take this off, i am fixing my credit and want this removed the address is XXXX XXXX XXXX XXXX XXXX XXXX, missouri, XXXX XXXX # XXXX XXXX XXXX XXXX. Please have this removed asap. They entered this debt today i try to call today and they hung up on me twice. In the pass you have help me.
|
| 04/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX XXXX. Is attempting to collect a medical debt that originates from XXXX XXXX XXXXXXXX XXXX in the amount of {$440.00} from XX/XX/2017 that I do not owe because I had medical insurance through XXXX/Medicaid and it is highly impacting my credit and has been for some time now. I want it removed in full from my credit immediately and the status of the debt changed to paid in full immediately. I will prove I have/had insurance by attaching a current copy of my medical card. I had insurance at that time and I know this was paid for by my insurance so I want this matter resolved quickly
|
| 09/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I contacted Midwest recovery systems on XX/XX/19, XX/XX/19 and again on XX/XX/19 concerning a fraudulent account that was placed on my credit report by their company. I have spoken to a representative and explained that this is a fraudulent account. I have emailed correspondence to include my police report, identity theft affidavit and a copy of utility bill and still this company has not responded to my concerns. This company never contacted me via written correspondence and illegally placed the information on my credit bureau report. The company status has been revoked by the XXXX XXXX XXXX.
|
| 11/08/2016 |
No |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I 'm not even sure the original company that issued the payday loan. Which every company it is, it has been well over 5 years ago when I discovered that these payday loans were issued illegally in the state of NC. A few days ago I received a notification on my credit report that I owed MIDWEST RECOVERY SYSTEM. After researching them, it shows that they are trying to collect on a payday loan. I used the XXXX complaint system to have them remove this account from my credit report as their contract was illegally issued in the state of NC. XXXX however only updated the account saying it was valid.
|
| 12/09/2016 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I contacting Midwest Collection. They said I owe {$670.00} ... I asked them to produce original paperwork from this debt. The bill collector said he was working on paperwork. He said it was a payday loan for $ XXXX from 2012. He has reported it to the credit bureau but I never received information who the original debtor..Now he says If I pay Immediately {$250.00} .it will settle the debt. My suspension is that this bill was sold off several times and no one has the original paperwork. I thought it was my right under Fair Debt Reporting Act that I am entitled to see this. Can you please help?
|
| 04/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello, I checked my credit report in XXXX XXXX on XX/XX/XXXX and noticed a new collections account from Midwest Recovery Systems. I have never received any correspondence from this collection agency, nor have I ever borrowed money from " XXXX '', who is the listed " original creditor.
It shows that the account went to collections on XX/XX/20 in the amount of {$1000.00}. Again, I have never received any sort of correspondence from Midwest Recovery Systems, nor have I ever received payment from XXXX. Upon looking into this issue, this seems to be a common problem with this collection agency.
|
| 11/07/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Today, XXXX XXXX, I received an alert regarding my credit reports ; therefore, I login to see a new collection account from the creditor. I 've never had a payday Looan with original creditor nor have I been contacted by the creditor. My credit toke a XXXX to XXXX point hit over something I 've never owed. I research company and noticed many other consumers stating they received hits on their reports this month as well unexpectedly. This should be illegal. I 'm just asking for relief. Repairing my credit after a bad marriage has been hard enough and to have this happen makes it feel useless.
|
| 11/07/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Today, XX/XX/XXXX, I received an alert regarding my credit reports ; therefore, I login to see a new collection account from the creditor. I 've never had a payday Looan with original creditor nor have I been contacted by the creditor. My credit toke a 20 to 26 point hit over something I 've never owed. I research company and noticed many other consumers stating they received hits on their reports this month as well unexpectedly. This should be illegal. I 'm just asking for relief. Repairing my credit after a bad marriage has been hard enough and to have this happen makes it feel useless.
|
| 11/09/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Midwest Recovery Systems XXXX XXXX XXXX XXXX submitted a collection account XXXX for {$690.00} to my credit files with XXXX, XXXX, and XXXX on account that does not belong to me. I contacted the Florida Attorney General and explained the issue and was informed that this a time-barred debt in accordance to Florida statute and that I should receive notification of the validity of the debt from the debt collector. I have not received any notice and it appears that the debt collector is using tactics which violates my rights under the Fair Debt Collection Act. Please assist me in this issue.
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| 05/08/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/2020 Midwest Recovery Systems reported a collections account on my XXXX and XXXX credit files. I had never received any correspondence or phone calls from this company prior to the erroneous posting on my credit files. In the following days I received multiple phone calls attempting to collect a debt. I informed Midwest I have no knowledge of this debt and demanded verification. To date they have failed to provide any validation information. I am assuming this is a scam with the intent of defrauding me through extortion as they have failed to provide any evidence of the debt.
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| 08/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Midwest Recovery System has fraudulently reported an account on my credit that I did not open with XXXX XXXX this year. The address of the company is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO. The telephone number is XXXX. The amount that I supposedly owe is {$740.00}. This company has also been calling me daily in regards to this fraudulent account. I discovered this fraudulent account from my credit report and disputed it with XXXX. I was not able to do so with XXXX and XXXX, but I will if applicable. Please assist me in getting this fraudulent account removed from my credit history.
|
| 07/29/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Upon checking my credit report on XX/XX/2018, I found that I have an open collections account for a payday loan. I am under the impression that this is a result of identity theft or a mistaken identity. Despite my calls to Midwest recovery and letters sent out to Midwest recovery, I have not received a proper response as to how or why did this collection show up on my report. I have not been provided proof that this debt is indeed mine. I also sent a letter to all three credit bureaus regarding this matter, and have yet to receive documentation proving that this debt is indeed mine.
|
| 06/01/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am applying for a home loan and Midwest Recovery Systems is putting small debts on my credit files that do not belong to me. I finally paid a XXXX $ debt to attempt to get my mortgage approved. The company could provide no documentation of the debt and had my name, dob and SSN, they did not have the correct address and had an incorrect phone number until we contacted them about the debt to try to clear it up. Now it has been paid and they are not removing it from the credit bureaus. Every time I call I get a different date for when the information will be reported to the agencies.
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| 10/15/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
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On XXXX XXXX 2016 on XXXX of my reports, XXXX and XXXX was reported {$600.00} and on a balance of {$2000.00} ... .. this borrow of bank money or whatever, I never have money from MW REC SYS I do n't know who this is. Midwest recovery Systems LLC is supposed to be the company doing the collection, I have never had anything in collections ever and I have over XXXX accounts and all of them 100 % on time paid off zero balance I have never owed anybody ... XXXX has hundreds of complaints against this reporting agency. Midwest recovery systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 07/17/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
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this is the 3rd time you've tried to collect something that is over 7 years old and you're falsifying the information you're putting on my credit report. This was disputed and removed before and no notification was received of this debt. I'm tired of going thru this and won't the item permanently deleted or I will file a lawsuit ALSO no notification of this debt being placed back on my report and per the law, you are required to notify me .. Then you report it as a fresh debt opened on XX/XX/2020 and THAT IS FALSE. THE DEBT IS NO LONGER VALID PER STATUE OF LIMITATION PLEASE DELETE
|
| 06/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I have attempted repeatedly to phone the company that has appeared on my credit profile damaging my ability to obtain credit for my business. No one ever answers. I get a recorded message that states to leave my name and number due to COVID 19. I never received service from the original creditor, nor have I received a bill or statement from either the original creditor listed or the collection agency. Date 1st reported XXXX and updated XXXX for the amount of {$1200.00} by Midwest Recovery Systems, LLC via XXXX XXXX XXXX XXXX. I have been trying to validate the debt unsuccessfully.
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| 12/17/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was just aware that XXXX XXXX XXXX agency reported an account that I allegedly owe in the amount of XXXX to the credit bureaus. I have no knowledge of this account as I have not received any loan for this amount for anyone. I was contacted by this company and told them that I had no knowledge of the debt that I dispute it and I also asked them to please validate the debt in writing as required by the fair credit debt collection practices act. The company failed to do this and they illegally reported my account to all the collections bureaus without validating this account to me.
|
| 07/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I got a derogatory mark on all my three credit report stating this account got sent to collections. However, I do not have no knowledge of this debt and, that it does not belong to me. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. I have no contractual agreement with this company Midwest Recovery Systems and I revised this to be send back to the original creditor.
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| 05/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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My name is XXXX XXXX, Im only XXXX years old I started building my credit at XXXX but I stupidly had lots of credit cards at the age of XXXX but when I turned XXXX I paid most. And when I checked my credit score a couple days ago I see this one I never ever seen before it just upsets me seeing companys trying find any money. I have no idea what the XXXX it is : / just upsets me because in a couple days Im turning XXXX and it just sucks knowing someone took your identity and did this. If yall can please just help me I dont want to have this on my report for the next 6 years please
|
| 08/19/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
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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.
|
| 07/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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On XXXX XXXX , 2017 I checked my credit report which I do annually. I found that in XX/XX/XXXX of last year, a collections account was placed on my report from XXXX XXXX XXXX in the amount of {$620.00}. Not only do I have no idea what this is, this company has never contacted me either by mail or phone and the parent company from where they acquired this debt is foreign to me as well. I 've opened disputes with all XXXX credit agencies as well as a BBB complaint. I wish to have this fraudulent account removed from my credit report as it is harming my credit.
|
| 05/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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Midwest Recovery Systems reference complaint XXXX. As of XXXX, I have been trying to get this collection which is fraudulent, off my credit report with XXXX and XXXX. It still remains after they responded to this agency that they would have it removed.
They are not a legitimate Service. They rejected my letter as attached and continue to ruin my credit. I was denied credit for a personal loan on XX/XX/XXXX from XXXX, which clearly states it's due to a Collection from Midwest. See enclosed. I am sick over this and will persue legal action against this place if not rectified.
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| 11/07/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
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I received a credit alert from my credit monitoring service, regarding a collection account for a account that was open back in XXXX. I have been a victim of identity theft since XXXX, do to me moving and some of my information was lost or stolen. I have a extended fraud alert on my credit for 10 years. Some times i get credit inquiries from people trying to apply for applications in my name. But now creditors must call me before opening accounts. I have also contacted the company and sent them a copy of my police report. This company is reporting to all XXXX credit agencies.
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| 07/26/2016 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
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I received and email alert from XXXX XXXX, stating there were changes in my credit report, when I checked there is a collection from Midwest Recovery Systems for XXXX XXXX for {$630.00}. I do not have any knowledge of this debt nor have I received any communication by phone nor written from these people letting me know anything nor validation of debt. I demand this item to be removed from my credit report since they violated the FCRP by not notifying me of this debt nor proof of validation, and completely be removed. I have also filed a dispute with the credit report company.
|
| 02/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Last week I checked my credit report to find that I had a new collection account from Midwest Recovery Systems prior business being XXXX XXXX XXXX XXXX. I have never done business with either of these entities or given authorization for a loan. They claim the account was opened XX/XX/ 2018 for {$800.00}. I never received {$800.00} from anyone or business nor have I applied for a cash advance. This claim is fraudulent and needs to be removed ASAP. I have not contacted either business for the fact that it could be a scam and I do not what to give them any personal information.
|
| 11/07/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently went on my credit report and saw I have a collection from Midwest Recovery Systems. I called to find out why this has been placed on my credit report to and they said it was from a XXXX XXXX of {$840.00} in XXXX from XXXX XXXX. I have never received or applied for a payday loan and this is fraudulent. I asked for a proof of debt and they would not send. I have never received funds from this company and they need to be removed this from ALL XXXX credit bureaus asap! This is a scam to collect money. XXXX XXXX is no longer in business as well. This is complete Fraud!
|
| 09/26/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
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I saw this derogatory claim from Midwest Recovery Systems for a payday loan that i never took out on ( XXXX XXXX, 2016 ) XXXX claims is {$820.00} ; but Midwest doesnt have a original amount of the said debt or a contact number from the original creditor.
After doing several research have found out its a scam. However they want me to pay them to delete it. I simply told them that if they didnt remove this from my credit i would be suing them for violation of the FCRA and i would be filing a complaint with the Police and i got hung up on. I want this removed from my credit.
|
| 11/17/2016 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
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.
|
| 06/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
XXXX XXXX XXXX has two accounts on my credit report. One from Midwest Recovery Systems and the other from XXXX XXXX XXXX. Both are collection agencies for XXXX XXXX XXXX. These accounts were not opened by me nor have I ever been to a XXXX XXXX XXXX facility. I didn't even know one exists. I don't know who may have used my identity to create these charges but it was not me. I would like some documentation of these accounts and a copy of a signature of who gave consent to this facility for services and for what reason. I want this taken off of my credit reports and deleted!
|
| 01/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
a collection account is not mine and is identity fraud. I am not the person who has this debt, I did not go to the hospital, I did not have this name, I did not work at XXXX XXXX, I did not live at this address, I am ot XXXX '' tall, I do not have XXXX XXXX, and I am 20 years older than this person. They keep assigning this account to new collection agencies who open it up as if it is a new account. I have been trying to get this off my credit report for months. If they keep opening it up as new it will never go away and it isn't even mine! It is seven years old to boot!
|
| 11/01/2016 |
No |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
I was told that I was being sued over an unpaid debt from 2012. They said I needed to turn myself into the sherriff 's office to avoid putting myself or others in danger. I have no idea what this is, but I know it 's a scam. The internet is full of complaints about this EXACT behavior, EVEN DOWN TO THE AGE OF THE DEBT ( 2012 ).
They have called me repeatedly, as well as my XXXX year old mother who lives in a different state. They threaten and use any number of illegal tactics.
Today this phony debt showed up on my XXXX credit report. I filed a dispute with them too.
|
| 09/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I just found out about this on my report about two weeks ago and didnt really know what to do about it the account says open on XX/XX/2019 in the amount recorded on my credit report says {$230.00}. Now I have no knowledge of the company or services rendered. So after i noticed this on my report i began looking for my SS card which i have now noticed is also missing. After coming to this website i will be contacting the company in question but i also wanted to file a complant for identity theft as well because I truly believe that is what is going on with this account.
|
| 03/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I filed a dispute with XXXX XXXX XXXX on XX/XX/19 regarding Midwest Recovery Systems alleged collection for {$1000.00}. XXXX notification response indicated the collection is accurate.
I contacted Midwest Recovery Systems today on XX/XX/19 and reported this is false and identity theft as I have never opened this type of account. I also requested hard copies of the original contract to review for myself the validity of this as I know I did not apply or take out this type of loan. The company kept transferring me and did not respond with the information I requested.
|
| 11/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midwest recovery systems placed a collection on my credit for the amount of XXXX that i do not owe.I have never heard of this co.I was not notified by mail or phone only to be contacted by a credit bureau telling me i have a negative mark on my credit.I do not owe this company and i have never done business with this company.Now my credit has been damaged because of XXXX. PS if i owe this show me something with my signature on it i can guarantee you ca n't. This was placed twice on my credit i wont this fixed and my credit restored.It was placed on XXXX/XXXX/XXXX
|
| 11/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midwest recovery systems placed a collection on my credit for the amount of XXXX that i do not owe.I have never heard of this co.I was not notified by mail or phone only to be contacted by a credit bureau telling me i have a negative mark on my credit.I do not owe this company and i have never done business with this company.Now my credit has been damaged because of XXXX. PS if i owe this show me something with my signature on it i can guarantee you ca n't. This was placed twice on my credit i wont this fixed and my credit restored.It was placed on XXXX/XXXX/XXXX
|
| 03/01/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Looking at my credit report there is a loan I did not get.I called XXXX XXXX corporate office, talked to a XXXX and a supervisor after much investigating they could not find anything with my social or name.They asked me to call Midwest Recovery the collector, The woman XXXX was very rude, when I told her my situation she said XXXX would not have my information cause the loan was sold.I asked when and where the loan was taken out she said XXXX XXXX my well I have never been there, after several attempts of going back and forth XXXX XXXX advised me to file with YOU
|
| 01/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
Attempting to collect on a debt that is not mine. Agency is posting negative information on my credit reports. Disputes with the credit bureaus have not resolved, as the collection agency indicates, to them, that it is a valid account. Contacted the collection agency requesting a copy of the application, the promissory note, and proof of original payment to me ; so far they have ignored me. Collection agency purchased the account from XXXX, another collection agency. Before the negative comments on my credit reports, I 'd never heard of any of these loan sharks.
|
| 07/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/2018 Midwest Recovery Systems reported a collection of {$160.00} to XXXX XXXX which resulted in a negative report on my credit report on XX/XX/XXXX. Also, the same with XXXX on XX/XX/XXXX. I have never had any communications to or from Midwest Recovery Systems, I don't know who they are representing or what debt they are trying to collect because as of XX/XX/XXXX, I had ZERO collections on my credit report. This company has NUMEROUS complaints about how it does business and the scam collections they report on peoples credit reports. This needs to stop!
|
| 11/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My credit report shows collection account from Midwest Recovery Systems opened on XXXX XXXX, 2017 for XXXX, XXXX, and XXXX. I have not had any recent payday loans in the past 5 years or more and do not recall a payday loan with this company. I have not received any type of debt validation notification or collection notices from XXXX XXXX XXXX prior to this debt reporting. I 've done some research about this company and from what I 've read, they are not licensed to provide or collect payday loans in the United States. It 's a tribal loan XXXX XXXX XXXX company.
|
| 08/28/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
An unknown company with an unknown date reported some payday loan or something that is not mine to XXXX and XXXX on XX/XX/XXXX. I filed a complaint with both credit reporting agencies with supporting documentation and XXXX removed it because my documentation proved that 1 ) my name did not match the name on what they have 2 ) Midwest recovery has ZERO documentation 3 ) they harassed my parents back in XXXX when I did not even live at whatever address they HAVE LISTED 4 ) I was living in XXXX XXXX 5 ) I had already reported case of identity theft by this time
|
| 07/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midwest Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Phone On or about XX/XX/2019 I called the company. Because I had an item hit my credit. I use a sevice now and it alerts me daily on my credit. I disputed the debt and ask for validation.
Midwest hit my credit AGAIN XX/XX/2019.
Thats why I called them today ... Asking why???
Mr XXXX XXXX ( Very Professional ) Supervisor said that on XX/XX/XXXX it was disputed and that by XX/XX/2019 it should be taken care of.
He denies that his company hit my credit so soon again.
|
| 02/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I just checked my credit report and I have a derogatory collections mark from this company. Problem is I have never received any letter or communication from this company where it gives me an opportunity to verify this supposed debt. I do not even know what this debt supposedly is. They have not validated any debt ( proving it is still within the statute of limitations, they are bonded to do business in the state of Texas, the amount can be proven and verified ... etc ). This violated FDCPA. Again I was never sent a letter with my rights to dispute the debt.
|
| 06/04/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
MIDWEST RECOVERY SYSTEMS added a collection to my credit report. The original creditor is listed as NET CASH PROCESSING. NET CASH PROCESSING was paid in full over 71/2 years ago when the loan originated. I had not contract and have conducted no business with MIDWEST RECOVERY SYSTEMS. Aside from that this account was paid.
Under the FCRA 15 U.S.C. 1681c, an account in collection can appear on a consumer 's credit report for 7 and a half years from the date of first delinquency on the account.
Attached is a screenshot of email between NET CASH and myself.
|
| 06/14/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
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
|
| 08/30/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I keep getting repeated phone calls from Midwest Recovery Systems about a debt I know nothing about. They keep asking for identifiable information from me, such as my SSN, address, and birthdate. They are calling almost daily and have been for over two months. Yet they refuse to disclose to whom thus debt is owed or in what amount. I have requested a validation letter, to no avail. We have spoken with supervisors with no help. When they call, the number comes up as a WV number, but when an online search is conducted, it shows they are located in Missouri.
|
| 07/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midwest Recovery Systems keeps calling me ( over 10 times now ), leaving me voicemails stating this is an attempt to collect a debt, to call ( XXXX ) XXXX.
I return the call every time and speak to a different agent. Every agent asks for my phone number which I provide the same one every time. They look it up then inform me they can't find my information in their system, sometimes questioning me if I'm providing the right number. I inform them I keep getting calls & they need to stop disrupting me at my job & residence. The issue is still not resolved.
|
| 02/28/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Midwest Recovery Systems, LCC put on my credit report I took out a loan out for {$520.00} now {$700.00} back in 2013 I have no idea what they are talking about because they have the wrong email and address. I was told by Midwest Recovery System, LCC, I paid on the loan for a year and stop, there is no way I would pay on a payday lone for a whole year. If Midwest Recovery Systems, LCC continue to pursue me on this debt I will file a civil suit on them, because this can cause me to lose my job and other things, this need to be remove off my credit report.
|
| 01/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Midwest Recovery VIOLATED my rights under the FDCPA. I was never notified in writing of this debt, this debt is over 10 years old, I disputed with XXXX as this is a RE-INSERTION of a debt, they never notified me this was going to be done. I have filed complaints with the BBB against Midwest Recovery and XXXX XXXX. I just spoke to a XXXX XXXX Rep and asked why I was never notified in writing of this re-insertion. I want this removed from my credit report immediately, first and foremost for violating my rights. Midwest Recovery should lose their license!!
|
| 12/18/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Per the Fair.debt collection practices act and the fair credit.reporting act All debt have to be validated and the consumer have the right to dispute the debt before a debt collection agency report it. I did not receive this from the company as the company reported this information before I was given the right to dispute and the information was validated. Therefore they violated the law. I want this information deleted off my credit report. I 'm sure that other consumers was treated this way, I have consulted an attorney for a possible class action suit
|
| 07/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
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.
|
| 04/30/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
A medical claim was met through deductibles. A total charge of XXXX dollars and XXXX were sent in. XXXX of Illniois covered through insurancr. The total amount I owe on both is XXXX dollars. I sen t MRS the paperwork and told them they were wrong to begin with since I delay with this over a year ago. I retained a lawyer and once this is cleared I plan to sue MRS. My wedding is in a week and because of this false collection it twice prevent me from being approv3d o n ctedit. The documents were sent to MRS and XXXX . Currently is dispute.
|
| 03/24/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Midwest Recovery Systems reported to my credit on XXXX and XXXX XXXX XXXX stating they were a collection company that took over a XXXX XXXX I received from The XXXX XXXX. I paid the amount of {$590.00} XX/XX/2020. and now finding out that they have lied and reported to my credit and stolen my money. The actual account was sent to XXXX and they are now asking for the collection account from The XXXX XXXX. I have call Midwest Recovery System numerous times and all the numbers are disconnected.
XXXX XXXX XXXXon Bank Transaction {$590.00} XX/XX/2020
|
| 11/14/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Mid West Recovery Systems Re:XXXX XXXX XXXX XXXX Mid West Recovery is listed on my Credit Report Claiming that I Owe a Payday loan to Their Client XXXX XXXX, I never took out any sort of loan with this company, they are demanding payment for Something that never happened, When I went online and did some research in Both of these companies it seems that they are running this kind of Scam on plenty of People Also Payday loans Are not even legal in NJ, I have No documents to upload as I never took this loan and Midwest Recovery will not send me anything
|
| 11/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to my report. The collection agency is MIDWST RCVRY. The original creditor was XXXX XXXX XXXX XXXX XXXX. and this is not my debt. I am XXXX feet tall not XXXX feet XXXX inches, I have XXXX XXXX, not XXXX. I was XXXX not XXXX. I've never been employed by XXXX XXXX. I have not been XXXX XXXX sinceXX/XX/XXXX. I never lived at the address in the complaint or on the hospital bill. I was never XXXX XXXX in the state of Florida. This is a case of mistaken identity or identity theft
|
| 12/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Midwest recovery system has been saying I owe them money since XX/XX/2018. I have never even been to this office in Missouri, it started when I left for XXXX XXXX and was XXXX in Missouri. There have been multiple times that Ive had to try and removed this debt because it is hurting my credit score. The debt is not mine. Ive even froze my credit in hopes of it stopping this company from making fraud claims on me and nothing has worked. This one said I have a debt owned from XX/XX/2018. Ive been home since XXXX. Please help me permently remove this
|
| 12/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Yet again, this company has popped up on my credit report! I am a victim of identity theft and all three CRAs have this listed on my report. XXXX has added yet another fraudulent trade to my file entitled " VIP CASH '' I never had any contract with XXXX or this so called VIP CASH company. I never received any VALIDATION paperwork to my address that shows my signature on any contract. This fraud trade needs to be removed ASAP. And XXXX needs to stop infringing on my rights as covered under the FCRA!! I will pursue legal action if this is not removed
|
| 08/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with MIDWEST RECOVERY SYSTE ( Original Creditor : XXXX XXXX XXXX ), MIDWEST RECOVERY SYSTE ( Original Creditor : XXXX XXXX XXXX XXXX - XXXX ), and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX, XXXX, MIDWEST RECOVERY SYSTE ( Original Creditor : XXXX XXXX XXXX ), MIDWEST RECOVERY SYSTE ( Original Creditor : XXXX XXXX XXXX XXXX - XXXX ), and XXXX/XXXX with no successful resolution. There was definitely an error on their part.
|
| 06/18/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
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.
|
| 12/22/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The agency continues to call me 10 times a day. They have sent documentation of the medical procedure that i recieved without proper HIPAA release signature nor has the company provides the requested sign copy of proof as set by the FDCPA, FCRA acts. The agency and hospital clearly violated my right to privacy in accordance to OCR. Under the FDCPA I have the right to request validation which they submitted a copy of my procedure and medical record with out HIPAA release signature signed by me to give them the right to have my medical information.
|
| 05/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I contacted MIDWEST RECOVERY SYSTEMS by certified mail o n 2 occa sions concerning an entry on my credit report, I explained that this is not my account and it is fraud, I have had no dealings with XXXX XXXX XXXX , I am a veteran with a XXXX XXXX XXXX and can not participate in such activities. I ask them to provide documentation of this entry bearing my signature and they have failed to do so. Any help you can give me in this situation is greatly appreciated. I will take them to small claims court if this is what I have to do.
|
| 02/23/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My debt was first sent from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and was settled at a 20 % discount ( original amount due {$200.00} ) for {$160.00} in. However, proper documentation was not made and it was then sent to another collection agency, XXXX XXXX XXXX. I notified them that the account was settled however, it was then passed onto Midwest Recovery Systems. Midwest reported it to collections and I have a derogatory mark on my credit report. I received documentation that the account was paid marked XX/XX/2016 from XXXX XXXX XXXX.
|
| 05/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I contact Midwest Recovery Systems three times to see the nature of the debt. I have never conducted business with this company of any affiliates. I have asked the representatives to verify the debt to which they could not find any information regarding me ever having an account with them. To no avail I have tried to dispute this from my credit report. It is effecting my credit score because it shows up as a collection. However I do not owe this company anything because I have never had any business with them or any of their affiliates.
|
| 06/07/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
My bank account was constantly being garnished for an amount well over what I actually borrowed. I constantly called and inquired but they would refused to stop taking money out of my bank account which forced me to file a complaint with my bank and closed the account. They sold my information online and now all kind of fraudulent payday loan companies are reaching out to me accusing me of owing them money this company is a fraud. I do not owe them anything. They kept calling and harassing me and that is not common collecting practices.
|
| 04/24/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
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.
|
| 02/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020 I received a credit monitoring alert that an account had been placed on my consumer reports from a company I have never heard of or did business with. The company has no address reported on my report, no date when I supposedly opened this account, there is no creditor listed except the collection agency as well as no phone number listed for the company. This is hurting my consumer credit score and I have the right for them to prove this debt is mine before placing it on my consumer report. I want this removed immediately.
|
| 01/11/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I recently checked my credit report and found a charge for the following company.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not taken out any loans being that I was not working for 5 years at the time of this charge. As far as I can remember military members and spouses are not able to apply for payday loans. Further upon checking my report I noticed a previous address listed as mine was nowhere near where we lived but was near this payday loan company. I want this collection taken off my credit report being as I never applied for it.
|
| 09/22/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
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.
|
| 02/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I just checked my credit report today, XX/XX/2020. There is a new " delinquent account '' listed from Midwest Recovery Systems. It states that the account with them was opened on XX/XX/2020 and that I have a debt of {$1500.00}. I have never received any communication from this company whatsoever, not by email, phone or mail. When I tried to phone the company, I was placed on hold for several minutes and then the call was disconnected. I have no idea who this company is and I would like them reported and removed from my credit reports.
|
| 11/08/2016 |
No |
|
|
|
Web |
|
|
There is an unknown credit card debtor on my account which I know nothing about and have never known anything about it. These companies should not be able to report anything that is not valid until proven which in this case, it is not and will not be proven because this is not mine. In the meantime, my credit report score goes down 20 point without anyone proving this case. I dispute this behavior and I definitely dispute this charge. I want it removed immediately. The Company name is Midwest Recovery, XXXX, Missouri XXXX. Phone XXXX.
|
| 04/17/2015 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid the XXXX XXXX for a payday loan they said they I owed. XXXX months later they keep calling me along with Midwest Recovery Systems for the same loan.Neither company can tell me who the loan was originally through or provide proof that the loan is mine. I do not recall ever having a payday loan with the company listed on my credit via Midwest Recovery ( XXXX XXXX ).
I have already paid XXXX XXXX for this loan and have still been receiving harassing calls where the company representative is yelling and threatening me via phone.
|
| 04/24/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I found out toady through XXXX XXXX, that i have a collections with midwest recovery systems for a loan they said i took at a XXXX XXXX XXXX i never took such loan in the amount of XXXX they told me the loan is from XX/XX/XXXX taking in florida i was living in massachusetts in XXXX i moved to florida XX/XX/XXXX now midwest recovery systems sent it to XXXX and XXXX stating its in collections i never took such loan out with This XXXX XXXX XXXX dont even know who they are or where they are located please help me its ruining my credit
|
| 08/02/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received an alert last week on my XXXX, XXXX, and XXXX credit report that a collection was added on XXXX XXXX, 2017. The company is called Midwest Recovery Systems and the amount is XXXX. I have never heard of this company and have not received any notices in the mail pertaining to this debt. I was not given the option to dispute the validity of this debt before it was placed on my credit report. I demand this account be removed immediately from my credit report. At least let me have the opportunity to dispute this alleged debt.
|
| 12/30/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX at XXXX I received an alert on my XXXX XXXX on the cell phone app for monitoring my credit daily and I got a notice that I have a COLLECTIONS EXCLUDING MEDICAL alert so then I click on the alert and read : 12 XXXX XXXX XXXX and N/A for contact number and no account number reference and no date. On XXXX at XXXX I received a notice on my XXXX XXXX that I have one open account in collections XXXX and XXXX for the sum of {$890.00} for Midwest Recovery Systems XXXX I DO NOT HAVE ANY CASH ADVANCES AND I NEVER GOT ANY LETTER.
|
| 12/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I checked my credit and saw a medical bill from MIDWEST RECOVERY SYSTEM for XXXX XXXX XXXX totaling {$1600.00}. I did not receive any notification for any debt for medical services as an indigent individual. I was XXXX with no physical address to receive any forwarded mail. I also let the hospital know I was an indigent vagrant and did not have any insurance or money. This reporting is against my HIPAA rights and I did not sign any medical releases before my information was compromised and accessed by MIDWEST RECOVERY SYSTEM.
|
| 12/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I have no idea where this account cane from. But my personal information may have been used through data breaches with several companies to include XXXX. This is either a fraudulent account, or belongs to some one else. It's showing Midwest Recovery Systems reporting this but the account is showing to be originated with a company called XXXX XXXX. I have never applied for a pay day loan for this company ever. I would like to have it removed frommy credit report with all the major credit reporting agencies as soon as possible.
|
| 10/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is attempting to collect a debt I do not know anything about. Within the last week I was made aware of the debt they are trying to collect upon. Although I am not familiar with the debt I am willing to settle it with a payment of {$100.00} in exchange for a complete deletion from my credit report. I have an important transaction I would like to handle ASAP that requires this account to be removed from my credit report. If you do not accept my settlement offer, I demand validation of the debt you seek to collect.
|
| 07/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In XX/XX/2018 after reviewing my credit file I noticed an account from Midwest Recovery Systems {$550.00} that was opened up fraudulently. I contacted Midwest Recovery Systems four times over two weeks about this account. Midwest Recovery Systems informed me that they notified XXXX, XXXX, and XXXX on XXXX XXXX to remove this fraudulent account from my credit file. This account is still on my credit file as of XX/XX/2018. I have filed a cfpb complaint against : XXXX XXXX, XXXX XXXX, and XXXX XXXX in reference to this account.
|
| 07/26/2016 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I just called MIDWEST RECOVERY SYSTEMS located at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX after I noticed this on my credit report. I called and they said they did not have the original creditor paperwork and that do not have to supply the loan paperwork until after ninety days. The debt they claim was incurred in XXXX XXXX. However, MIDWEST RECOVERY SYSTEMS said the debt was incurred in XXXX XXXX. After researching the original creditor XXXX XXXX XXXX is a scam and it seems MIDWEST RECOVERY SYSTEMS is part of
|
| 04/15/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have contacted Midwest recovery several times. I advised them the account was not mine and have sent several verification letters. Midwest Recovery will not send me verification of the debt that 's has my signature NY drivers license or anything I have asked them to verify. They have someone else 's name and it keeps reporting on my credit report. Then I disputed the account and it has taken longer then 30 days since I did the dispute. I also sent a copy of my police report and they are still reporting this fraud account.
|
| 02/27/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Visited XXXX today and noticed a collection from Midwest Recovery Systems for {$770.00} representing the original creditor XXXX XXXX XXXX ( out of business per BBB ). This is obviously not my debt, when looking up the Payday Loan company that they say I got this loan through, all comments and reviews are it being a scam Payday loan company using threats to get money for unproven loans. I will be contacting all XXXX credit bureaus, the CFPB, FTC, and reporting this to the local police. Of course no letter in the mail either.
|
| 05/16/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
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
|
| 01/29/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a collections account on my credit report from Midwest Recovery Systems in the amount of XXXX dollars for a XXXX.
I have not taken out any payday loans and have no knowledge of this account. I tried to dispute it through XXXX XXXX however it came back saying the information is correct. This is not my account and I'm not sure how it came on my report. I recently received emails about possible identity theft through businesses whom had their files hacked. This is absolutely not OK and i am not sure how to fix it.
|
| 07/28/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
This payday loan was opened back in 2012. I joined a payday loan support group shortly thereafter. To my understanding, the support group sent out validation letters to all the payday loan companies that I had done business with. No letters came back proving that these loans were valid in Florida. Since then I have been contacted by phone calls at home and at work. And now this has shown up on my credit report in collections. I tried contacting the payday loan support group that I joined but they are no longer in business.
|
| 03/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I saw this debt on my credit report and have no idea what it is from. I have not taken out a payday loan in 2019 as it is claiming. I have not even had a regular bank account to do so. I also have lived at the same address for 6 years and have never received a letter or any other contact from Midwest Recovery Systems, stating that I even had this debt to begin with. It states that the account status is open yet I was not given a chance to validate this debt and believe the information from it is both false and inaccurate.
|
| 02/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
My account was opened on XX/XX/XXXX. I didn't receive my credit card. 2 weeks later I got a bill from them for {$75.00} for the annual fee. I didn't pay it because I didn't have the card. Then 3 weeks later, they sent me another statement wanting the {$75.00} plus the late fee. This kept going on for a couple of months. Then on XX/XX/XXXX I found the credit card on my credit report in the amount of {$350.00}. I never used the card or activated the card because I didn't have it. So why did they continue to charge my card?
|
| 03/15/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This debt was back in XXXX of XXXX, this company has been deleted from my XXXX and XXXX credit reports. It was only opened in XXXX of XXXX after I called to find out what this was about. It was at that point that they said the loan was originated and that is not true. This loan was settled for a smaller amount but the company through which I used in now closed. The original loan was for XXXX dollars and they settled for XXXX of the original loan which I did not get any paperwork only an email stating the company settled.
|
| 06/22/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
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.
|
| 10/23/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Midwest recovery on XX/XX/XXXX post on my XXXX credit report false information - that there is a collection account under my name with XXXX XXXX XXXX for {$390.00} originally reported XX/XX/XXXX. After finding out who was the original creditor that provided that information I contacted the creditor directly XXXX XXXX XXXX and it was confirmed that the account was charged off shortly after XX/XX/XXXX - over 1 year earlier which put the account illegal to be posted on any credit reports since 7 years were passed already.
|
| 02/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
friday XX/XX/2020 at XXXX as I reviewed credit report noticed company ( a ) had placed a collection notice on my account and had no amount owed, called said company and they advised they no longer had file and the file was sent back to another collection company when asked how was I to resolve they gave me phone number to other company when attempted to contact second collection company all I get for 2 days is various names and extensions no live person!?!?!?
very sceptical and no knowledge of above referenced matter
|
| 02/04/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
On XXXX XXXX I checked my credit report. I notice that Midwest Recovery has me in collections I sent validation and verification letters to the company 45 days ago to this date I have not recieved a response. The orignal creditor which is XXXX XXXX payday services which I looked the company up and its a scam. I am unable to obtain credit due to this negative information in which I have never heard of this company. I sent letters asking for orignal contracts identification etc and I still have not heard from the company
|
| 07/16/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I paid this company {$290.00} for a {$200.00} loan already back in XXXX of XXXX, i transferred my job to a different Location in Virginia and lived in XXXX Virginia areas. They kept calling me and i told them stop it and paid them with my tax refund that year in XXXX and they're just harrassment in my emails and all. I lost my job due to covid19 and I refuse to pay them again. I don't have documents because I moved to many times. It has now negatively affected my credit reports and scores. I just want them to stop it!
|
| 05/25/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After reviewing my credit reports, I noticed an unfamiliar account listed from Midwest Recovery Systems for {$90.00} in or around XX/XX/2018. I have never received any written correspondence or documentation from this company in reference to this debt. I have never received notice of right this dispute. I didnt receive any information to verify debt. Also, I have never received any services from this company, nor have I signed any form of agreement binding me to any monetary/financial obligations owed to this company.
|
| 08/08/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
I am emailing you so you can please have the company take this off my credit report it is still reporting on the XXXX file, I just had this deleted from the XXXX report XXXX-18 and they found out it was open fraudulently the company is XXXX address mid wst recoverXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX tel # XXXX, this is showing up for amount XXXX which is not my debt, please have them remove as soon as possible, I have call and nothing have been done. I thank you in advanced to get this taken care of.
|
| 09/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Back in XXXX, XXXX XXXX attempted to collect this debt, this is not my obligation. I demanded a debt validation, it was removed from all reporting bureaus.
Then in XX/XX/XXXX it reappears again on my credit file, Midwest Recovery is reporting it this time. So I do the same, dispute it on all credit bureaus and mail a direct dispute to Midwest recovery. I have attached a copy of this letter.
It was removed off XXXX and XXXX, but it is being reported twice on XXXX, exact same collection account, different number.
|
| 10/18/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
A few weeks ago a collection agent called my XXXX year old mother upsetting her looking for me about an emergency case and left a number. I called back and a lady said I was being sued for XXXX account from 2008. I told her to stop calling this was way past 7 years old. Two days ago I was notified by credit karma that a collection account was put on my credit report. I called number on my collection account and spoke with XXXX. He emailed me a letter of collection but claimed he did n't have original creditor info.
|
| 02/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX listed a debt of {$680.00} on my credit report, saying the account was opened on XX/XX/2019. I have not been in the hospital in years and even if so, I have insurance that covers 100 %. This debt is not mine and this company needs to remove this IMMEDIATELY. This happens all too often with this company. They also sent NO correspondance regarding this fraudulent debt, another violation of the FDCRA. I knew nothing of the mistake to even dispute it before they just popped it on my credit report.
|
| 05/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XX/XX/2017 I went to a hospital in XXXX, Tx. Medicaid Insurance covered the bill. Since then I have had no medical bills sent to me and Medicaid said they paid the full bill amount and all of the medical billing were suppose to go to Medicaid. But I got a fraud collections account posted on my credit from Midwest Recovery systems saying I owe it {$480.00}. I have experienced this collections fraud before over a medical bill. I don't think credit monitoring is a secure site to have knowledge of people 's identity.
|
| 11/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XXXX XXXX, XXXX, I checked my credit score which showed a payday loan in collections from Midwest Recovery.
On XXXX XXXX, XXXX, I tried contacting the debt collection agency by phone to verify this debt check the statute of limitations, original creditor and ask for validation including all transactions. All phone numbers listed for this company are out of order.
I do not recall obtaining a payday loan. I need this off my credit report. I need this company to verify and validate, they have violated the FDCA.
|
| 06/23/2016 |
No |
|
|
|
Web |
|
|
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.
|
| 01/18/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A new collection account has appeared on my credit from Midwest Recovery Systems. The original credit listed is XXXX XXXX XXXX. I have never received any type of money or monetary benefit from XXXX XXXX XXXX, i don't know the original creditor, have never tried to obtain anything from the original creditor, never had any funds from them. I have recently been a victim of identity theft when my wallet was stolen about a year ago. I want these cowards to take this XXXX off of my credit report because its not mine.
|
| 12/14/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I continue to get a call from Midwest Recovery Systems for a debt regarding a payday loan from XXXX. I have tried to contact the originating company that they claim the debt was from and the company either never was in business or is no longer in business. They have placed this debt on my credit report. It shows on my XXXX once and XXXX twice. They say that I owe {$860.00}. They have not been able to present any original documentation that show I took out this loan and refuse to remove it from my credit report.
|
| 02/05/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2019 Midwest Recovery Systems XXXX opened an account that has my current balance at {$220.00}. I have no clue who this collector is, nor have never received any mail notification. I tried calling and they had an automated system. I assume I have been scammed.
On XX/XX/2019 XXXX opened an account that has my current balance at {$160.00}. I have no clue who this collector is, nor have never received any mail notification. I tried calling and they had an automated system. I assume I have been scammed.
|
| 01/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
So I filed a previous complaint against Midwest Recovery Systems only for them to totally respond with information that was nothing but a lie. They claimed that MRS policy to send notice within five days of communication per the FDCPA. Our internal policy is to honor both verbal, and written validation requests.
MRS broke the law per FDCPA because they put this so called debt on my credit reports without notifing me at all, their agent callled and bragged that MRS had already submitted to the credit bureaus.
|
| 11/16/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
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.
|
| 02/07/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Debt reported to both XXXX amd XXXX credit bureaus on XX/XX/2020. I have never had any payday loans because I have good credit. I also do not use checks and havnt used them in years. Also. NEVER heard of these places or recieved ANY correspondence of any such debt. NEVER got ANY notification of any such debt. It is NOT mine. I only have a valid XXXX drivers license for identification and have only been licensed in the State of XXXX so no other identifi cations from any other states. This is NOT my account.
|
| 08/05/2016 |
No |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I had a online payday loan with XXXX a few years ago after making several payments, I fell behind on making payments. I started to get harassing phone calls at home, work and also friends and family started getting calls regarding this loan after a while they stopped. On XXXX 2016 I noticed a collection on my credit reports from Midwest Recovery Systems for {$1300.00}, they never sent me any paperwork validating the terms of this loan or the amount owed. I only borrowed {$500.00} and I paid most of that back.
|
| 08/05/2016 |
No |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I had a online payday loan with XXXX a few years ago after making several payments, I fell behind on making payments. I started to get harassing phone calls at home, work and also friends and family started getting calls regarding this loan after a while they stopped. On XXXX 2016 I noticed a collection on my credit reports from Midwest Recovery Systems for {$2200.00}, they never sent me any paperwork validating the terms of this loan or the amount owed. I only borrowed {$800.00} and I paid most of that back.
|
| 07/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
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.
|
| 08/20/2019 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
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.
|
| 10/17/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Several debtors trying to collect debts for claimed medical related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provide detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over 3-4+ years however the debtor is also reflecting the account/charges were just recently opened 5 months ago?
|
| 08/26/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I regularly check my XXXX and XXXX credit reports on XXXX. Recent check have discovered a collection placed by a company called Midwest Recovery Services for a payday loan from XXXX. Upon further inspection it appears the payday loan company is a scam. I have NEVER applied for nor received a payday loan from this company. I was also never notified of an attempt to collect this debt by Midwest except when it showed up on my report. I have submitted a Debt Validation letter via certified mail with no reply.
|
| 05/29/2019 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Midwest recovery Systems has tried multiple times to collect on medical bills that were paid-in-full back in 2014. Last fall I initiated a dispute through CFBP which resulted in Midwest Recovery Systems responding that the debt was invalid and all reporting agencies would be notified. See attached copy of report in the CFBP system. Now Midwest Recovery Systems is again trying to collect this same debt that they acknowledged was invalid. This really is unethical and needs to permanently stop. Please help.
|
| 12/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
|
| 09/11/2019 |
No |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Midwest Recovery Systems representing XXXX XXXX ' XXXX has repetitively sent correspondence demanding payment for an unknown debt. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2019 XXXX XXXX ' XXXX {$310.00}
|
| 04/29/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Midwest Recovery h as been reporting unverifiable and inaccurate information on my credit which has damaged my credit and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.
|
| 12/05/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have no knowledge of this company or alleged debt. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
|
| 04/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Ive requested validation of this debt twice in XXXX of 2020 which the company acknowledged. I also informed them of my XXXX XXXX military status to which SCRA laws apply. Not only has this company refused to send any form of validation ( signed contract & proof of their rights to collect ). They havent even adjusted the amount owed to abide by SCRA which grants no more than 6 % interest on any loan. This company is having a huge impact on my career, my credit worthiness and my security clearance.
|
| 03/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have no idea who these people are or how this got on my credit report. I'm 100 % sure this is not mine.
Account Name : MIDWEST RECOVERY SYSTEMS Account Number:XXXX Date Opened:XX/XX/XXXX Collection account. {$310.00} past due.
Status Updated : XX/XX/XXXX Balance : {$310.00} Your Statement : I HAVE NO KNOWLEDGE OF THIS ACCOUNT.
Reinvestigation Info : This item was updated from our processing of your dispute in XX/XX/XXXX.
Historical Information XXXX - Original Creditor Contact Info - XXXX
|
| 07/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On Yesterday, XX/XX/2018, I updated my XXXX XXXX to see my score dropped 25 points because of a {$300.00} collection that I have no knowledge of from a company called Midwest Recovery systems. The original creditor company name is 12 XXXX XXXX. I do not know who that is nor do I have any type of contractual agreement with either company and feel this is fraudulent and predatory practices by these companies.
Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
|
| 02/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I filed a complaint against Midwest Recovery systems. They advised that they could not verify the debt and stated that they sent letters to all the credit bureaus on XX/XX/XXXX to remove the information. The company also advised that it would take 30 days from that day. Well today is XX/XX/XXXX. It has been more than 101 days and this information is still located on my XXXX Credit Report. Can you please remove this inaccurate information. I have called several times with no help.
|
| 12/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
According to Tennessee state licensure verification, Midwest Recovery is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XXXX XXXX. The amount is for {$840.00}.
|
| 04/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I reached out to this company several times as they are reporting A medical bill from XXXX XXXX XXXX. I have not nor have I ever recieved care from this facility or any other facility during the time they are reporting. I wrote A letter to the company requesting proof of this debt. Showing orginal documents with my signature and photo copy of DL. Which they would have if I seemed there service. I have not recieved a response and this incorrect information is still reporting to my credit report.
|
| 10/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I file dispute regarding this company in XXXX XXXX and at that time Midwest Recovery was claiming I had XXXX accounts with them on or about XXXX XXXX, XXXX both were deleted from my credits reports ; now they have place another fraudulent account on my credit report. How can this company keep placing fraudulent accounts on my report? Ca n't they be STOP! I do n't know who this company is and who they so call represent. This is not my bill or my debt. PLEASE HELP ME AND STOP WITH THIS CRAZINESS.
|
| 03/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
This company Medwest Recovery systems has since the beginning submitted false claims to all three credit agencys. Multiple times on weekly bases, that this account lbelongs to me. My problem is they submit this claim three or four times a day. With intension of driving my score lower and lower. To date they also call three are more time a day, finally to date I have know docments from this company at all.
this is Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX
|
| 06/25/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
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.
|
| 03/06/2020 |
No |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have made contact with MRS XX/XX/XXXX to inform them I have never taken out a loan with a company. I have also asked for copy of the application and drivers license to the loan application and was informed no information was available and the account was reported Fraud and was removed from all 3 credit bureaus.
I have spoken with XXXX on XX/XX/XXXX to get information from the documents to allow this file to be reported and have been informed there is no documents attached to the file.
|
| 09/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
This company has called about once a day for the past few months- I have told them to take me off call list- they either hang up before I can get a word in or say they will do it and call the next day.
I called back today and pretended I didn't know they were a scam- and the lady was very rude- very XXXX and telling me she didn't care if I knew it was a scam or not that her shift was almost over. I told her I was going to report her and she said she didn't care- people do it all the time.
|
| 08/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I received an alert on my XXXX credit report that a collection was added on XXXX XXXX, 2017. The company is Midwest Recovery System and the amount is {$430.00}. I have never heard of this company have not received any notices in the mail pertaining to this debt. I was not given the option to dispute the validity of this debt before being placed on my credit report. I demand this account be removed from my credit report immediately and be given the opportunity to dispute this alleged debt.
|
| 11/10/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company called Midwest Recovery System said I owed XXXX.
When I checked my credit report I notice they put it in collections I dont owe this debt. I am so furious .I called this company with XXXX from the fraud dept This guy I talked to was very rude told I dont owe this. Then I said I never received anything about this.
all of a sudden I got a document from them thru email. How about that showing up I want this off my credit report.I. gave him info all of a sudden I got a document.
|
| 03/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Today, XX/XX/2020, I received an email notification via XXXX XXXX indicating a collection had been added to my credit report. The collection amount of {$2900.00} by Midwest Recovery Systems was reported on both my XXXX and XXXX credit reports but not on the report with XXXX. This is not my debt and I have had no correspondence or contact whatsoever with Midwest Recovery Systems. I have filed disputes of this collection with both XXXX and XXXX and am awaiting investigation into the matter.
|
| 01/02/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
MIDWEST RECOVERY SYSTEMS is reporting a charge off from the XXXX XXXX on my credit. First, its not my debt and i never had an account with the XXXX XXXX. Secondly, when i called they said it was opened in XXXX, so its past the statue of limitations for reporting. They are reporting it was opened in XXXX XXXX, They are breaking the law and i want it off my credit report immediately. They need to provide the original documentation which shows when it was opened as well as it not being mine.
|
| 10/01/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am writing in reference to Midwest Recovery Systems. I do not have a signed contract nor any contract with this Agency. There has been absolutely no correspondence or notification from this company at all. This company has first fraudently reported the " Opened Date '' as " Unknown '' & then later reported the open date as XXXX.XXXX, 2017 the date the collection was placed on my Credit Report without notice. I demand to see a signed contract between Midwest Recovery Systems and myself.
|
| 01/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Noticed a collection account from a Midwest Recovery Systems that first appeared on my credit report in XX/XX/2018 for {$480.00} I sent two certified letters demanding debt validation with return receipt. First one dated XX/XX/2018, the second XXXX XX/XX/2018. No response was received from either letter. ( Copies attached ) This account is not mine and I dispute as was outlined in the letters I sent.
I want this information removed from my XXXX and XXXX credit reports immediately.
|
| 11/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Midwest Recovery Systems is NOT licensed to collect debt in the state of Florida. Their license expired in XX/XX/2013. They have NOT renewed their license, and they have NOT notified me of any debt prior to reporting. According to the Fair Credit Debt Collection act, and the Fair Credit Reporting Act, I am supposed to be notified of a debt and given sufficient time to dispute or resolve the debt. This debt was reported without my acknowledgement and they are violating my HIPPA rights.
|
| 06/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a " Derogatory Mark '' on XX/XX/2020, on me credit report from " MIDWEST RECOVERY SYSTEMS '' for {$98.00}. It says the original creditor from credit karma is " XXXX XXXX XXXX XXXX '' I have paid all of the bills that I know of from XXXX XXXXXXXX XXXX. I never received anything in the mail and got no notifications related to this, so I don't what it is for. The company info is below, MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
|
| 03/03/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been receiving on several instances notice in the mails an attempt to collect a debt from : Midwest Recovery Systems, LLC XXXX XXXX XXXX XXXX MO XXXX XXXX ( XXXX ) XXXX Account Balance : {$650.00} Creditor : XXXX XXXX XXXX XXXX Original Creditor : Clear Loan Loan Date : XX/XX/2020.
I have no knowledge of this loan. Never applied for any kind of loan. This company accessed my personal information. This colletion was added to my credit history and affected my credit score.
|
| 11/07/2016 |
No |
|
|
|
Web |
|
|
I received an alert from XXXX that Midwest Recovery Systems placed a negative item on my credit report. When I called them, they said I took out a loan from XXXX XXXX XXXX in XXXX of 2011 and that I owe {$660.00}. Midwest Recovery Systems did not send me a letter about this debt before this negative item was put on my credit report. In addition, I do n't remember taking out this loan. Also, Midwest XXXX XXXX is not licensed to do business in XXXX Illinois, so the loan is invalid.
|
| 07/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
MIDWEST RECOVERY SYSTEMSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX HAVE BEEN VERY AGRESSIVELY ATTEMPTING TO COLLECT ON A DEBT THAT DOES NOT BELONG TO ME IN FIRST PLACE. THEY REPORTED A COLLECTIONON MY CREDIT REPORT CALLED MY HOUSE, WORK AND NOW CALLING MY RELATIVES AND ONE CO-WORKER THREATENING TO SEND POLICE TO MY HOUSE FOR ARREST IF I DIDN'T PAY THIS COLLECTION..PLEASE HELP THIS IS REDICULOUS AND NOW I FEAR FOR MY WELL BEING AND REPUTATION IN THE SOCIETY
|
| 12/20/2016 |
No |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This company has put a derogatory mark on my credit report. I have no knowledge of this supposed debt nor have I ever had any dealings with this supposed XXXX. This company never sent me the required debt validation letter or contacted me EVER. Now I have to put a fraud alert on my credit report because of this company. I HAVE NO KNOWLEDGE OF THIS ACCOUNT. NOR HAVE I EVER HAD ANY DEALINGS WITH THIS SUPPOSED XXXX. This company is damaging my credit with this fraudulent account.
|
| 04/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Midwest Recovery Services added a collections account to my CR on XX/XX/20. I have never heard of this company nor do I have any outstanding debts. After some online research I've discovered that this particular company has a habit of filing inaccurate or fraudulent accounts on consumers credit reports in an attempt to scam the consumer into paying a debt that is not owed. This is fraudulent, predatory and overtly illegal activity. That is why I'm reporting them to the CFPB.
|
| 11/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2019, I received notification that a collection was placed on my account. The company is Midwest Recovery System. It seems they are collecting for a company called XXXX XXXX XXXX. Prior to this, I havent received any notification either through mail or phone call.
I disputed the information via XXXX and it came back verified. I have not been contacted by this company.
I learned through a search that several other complaints on this company doing the same thing.
|
| 07/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Our urgent care Co-payment was paid ( XX/XX/2018 ), overpaid ( XX/XX/2018 ) and still turned into collections. Received collection notice from midwest recovery ( XX/XX/2018 ). Contacted patient portal ( payment system ) for our urgent care and is being reviewed for correction. Contacted midwest recovery collection informing them of issue was told that the account would be noted. XX/XX/2018 midwest recovery reported negative account to my credit report without final notice.
|
| 02/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Midwest recovery systems placed a debt collection account on my report, I received no notice before hand in order to dispute. I've never received anything from this company and I never had a payday loan from the company they state it was with. I disputed the account on my credit report but it was of course verified by them. They have reported it as opening XX/XX/2017. I have not been provided with a single item showing I actually owe this debt yet they continue to verify.
|
| 05/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A collection was added to my XXXX and XXXX credit reports by Midwest Recovery Systems for {$2500.00}. It is apparently some payday loan that I never took out and I was never contacted about it. I am in the middle of a mortgage loan process and this is going to affect my approval and rate. I can not dispute it on my report as the lender will not approve my loan with any disputed items. I need this fraudulent account removed from my reports as soon as possible!
|
| 12/08/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have no idea what this debt of {$820.00} is. It have showed up on all three of the credit bureau as of last monnth ( XX/XX/2016 ). Initially there were XXXX accounts showing from this company. XXXX has been removed and I was advised of it the other was never responded to. This needs to be removed from the credit bureaus immediately. I refuse to pay something that does not belong to me. I am also concerned about them having my Information and I do n't know who they are.
|
| 04/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My credit score dropped last night dramatically. After securing my credit report, I noticed a charge from Midwest Recovery Systems from XX/XX/XXXX. It says I opened an account and the amount is {$500.00} as of XX/XX/XXXX. I never opened any account with anyone in XXXX of last year. I never received any notice regarding this matter from this company by mail or otherwise. I contacted them to remove it as it is not my debt or it is fraud. I have yet to hear back from them.
|
| 11/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was not aware and do not know why I owe Midwest Recovery Systems money. I have not received any notice of debt and was not given any opportunity to dispute it. I just found out about it because I have a credit notification service that provides me with information that helps me monitor my credit report and score. And I do believe that XXXX XXXX XXXX has already been notified by the consumer financial protection bureau once on my behalf and they corrected this problem.
|
| 01/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I got repeated calls to my cell two days in a row. I asked them to mail me a letter never received one. I never got a letter for my 30 days right to dispute. They simply placed the collections on my credit reports without sending a right to dispute letter violating the fair debt collection law. They also have an account that is currently involved in a lawsuit for a car accident and settlement is set for XX/XX/XXXX. This account should not be on my credit reports at all
|
| 11/07/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XX/XX/2016 I received a alert about a XXXX account added to my credit report. I have no collections on my accounts and all my account are up to date. The company is named XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, MO. The amount is for XXXX I never received notices to contest this account. I submitted a complaint with the XXXX of XXXX XXXX. XXXX and the BBB. This company just posted this account on my credit report without due process of validation of ths debt.
|
| 06/24/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
Midwest Recovery Systems, LLC reported to the credit bureaus that I had an account placed in collections. According to XXXX data the company placed the account into collections on XXXX XXXX, 2016 and reported an unpaid balance of {$480.00}. Midwest Recovery Systems, LLC indicated that the Date of 1st Delinquency XXXX. I was never notified in write about the attempts to collect a debt nor any information sent to my address indicating what I had a debt with this company.
|
| 05/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
A false creditor and false account was placed on my creditor was placed on my credit report. It shows as an open account. The creditor shows as XXXX XXXX XXXX and they do not exist. I want to know what this is and who did this, and why was the account opened in my name. I want it taken off my credit report. I do not want to call the Midwest Recovery and give them any of my personal information, I want you to research this and provide me all the background information.
|
| 05/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
After receiving a response from Midwest Recovery Systems ( MRS ) on my complaint through CFPB on XX/XX/19, I proceeded to contact the company as directed. I emailed them on XX/XX/19 and attempted to call them ( phone did not go through after the fifth attempt ) today XX/XX/19. I have not been contacted or been able to get a hold of this company that supposedly has a collection debt from a hospital I have never visited. I am filing again against this company for fraud.
|
| 12/18/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I reviewed my XXXX credit report that indicated that I owed {$35.00} XXXX Hospital toward a copayment from a XX/XX/2012 hospital visit. This attempt to collect was initiated by XXXX XXXX XXXX approximately six years ago. I've attached an invoice from XXXX Hospital regarding the debt in question which indicated a XXXX balance. Inaddtion I've attached a copy of the credit report that has Midwest Recovery System attempting to collect the same debt. Please see attached.
|
| 12/08/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
According to Tennessee state licensure verification, Midwest Recovery is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XXXX XXXX.
|
| 06/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Collection appeared on my credit report recently for a debt I do not owe. After further rear garage it was Determined that the alleged amount was for a emergency room visit from 6 years ago ( from a hospital and original collector who no longer exist ) when my daughter had 100 % paid state XXXX and never pays for any medical expenses out of pocket. I attempted to explain this to a representative who was not only rude but would not assist me in getting this resolved.
|
| 05/31/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Hello, my name is XXXX , my identity was stolen back in 2011, about two weeks ago a collection from " MIDWEST RECOVERY SYSTEMS '' shows up on my credit report ( s ), and it is not mine, they claim it was from a payday loan taken in 2011 and that I should " just pay it '', I will NOT pay for something that I did not do! It was a result of ID theft! I want this removed from my credit reports! I hope someone sees this that can actually do something about my problem.
|
| 01/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2019 I got a alert on my credit report about a new account opened by Midwest Recovery Systems. I have never heard of this company nor have done business with them! Upon calling XXXX I found out this company is a collection agency. This company never contacted me to inform about a debt, where or what its from, or to give me an opportunity to dispute this debt. I dont know any information about this debt. This company has never made an attempt to contact me.
|
| 12/18/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I discovered on XX/XX/2016, during a review of my FICO score, I had been placed in collection on XX/XX/2016 for a debt/account I have no knowledge of. Apparently, a debt collector by the name of Midwest Recovery Systems is attempting to collect on a fraudulently obtained payday loan. The loan, in the amount of {$720.00}, must have been obtained from XXXX XXXX XXXX through identity theft. I have never had any dealings with XXXX XXXX XXXX or Midwest Recovery Systems.
|
| 12/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XXXX XXXX I personally wrote a certified letter to Midwest Recovery Systems informing them that I have never signed a contract with them that would show that I owe the company any money. This company placed a collection 's debt of {$640.00} on my credit reports. I want this company off each of my credit reports. Midwest Recovery Systems has failed to supply proof that I ever had a contract with them. They have also failed to communicate with me about this debt.
|
| 06/01/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XX/XX/XXXX I ran a credit report for myself and noticed a collection from Midwest Recovery System ; collecting {$650.00} for XXXX XXXX XXXX. I took a payday loan from XXXX XXXX XXXX in XX/XX/XXXX, and paid in full on XX/XX/XXXX. I have had this account pop on and off of my credit report for the past few years ; and in trying to contact Midwest Recovery System I have received XXXX replies from email correspondence and been hung up on when contacting via phone.
|
| 08/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I filed a complaint ( CFPB complaint # XXXX ) regarding this company debt collection process. No dunning letter was every received from this company. To date, they are still reporting this debt on my credit file and no debt validation has been provided. Additionally, this company stated that the account they have reporting would be removed from my credit profile as a response to my complaint. As of X/XX/2017, this account is still reporting to both XXXX and XXXX.
|
| 04/02/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
On XX/XX/18 I checked my credit monitoring app and seen I had a new collection on my reports from a XXXX XXXX XXXX XXXX. I have NO knowledge of who this company is and the claimed debt of {$400.00} that is stated to be owed on my report. I have disputed this debt with XXXX. I have never been contacted by this company at all. I feel victimized and that it is a violation to maliciously place invalid, unverified, and unannounced accounts on consumer credit reports.
|
| 02/10/2018 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
After reviewing my credit report on all 3 of the main bureaus I noticed there was a negative collections account listed under the name Midwest Recovery. I have never received any communication from this company and they are reporting negative and false information on my credit. It has also come to my attention that Midwest Recovery does not have an active license in the state of Florida and therefore can not attempt to collect this debt i have no information on.
|
| 03/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
While in process of obtaining a mortgage found that mid west recovery had place a medical collection on my credit report XX/XX/17. I then reached out to them to get more information person on other end started yelling about me not paying my debts. I filed a dispute but that didn't help. I got no notification of this debt before it was placed on my credit report and to this day still nothing. I just want to get issue resolved so that I can purchase my first home
|
| 04/20/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I never received any notification from Midwest Recovery Systems that I had an outstanding debt. I was notified by XXXX XXXX that a new account had been added to my XXXX credit report.
I proceeded to contact the medical facility that was listed on XXXX XXXX 's site as the original creditor and they have no account for me on file. They also mentioned that they do not use Midwest Recovery Systems as debt collectors and that they use two other companies instead.
|
| 10/26/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
on XX/XX/XXXX I looked on my XXXX report and saw a collection for midwest recovery system llc so I called them to find out what this auto loan was about they told me it was a dept they are trying to collect for XXXX XXXX XXXX I never signed a deal nor a contract with midwest recovery system llc so they should not be contacting me or going after my credit in no way cause I have no legal binding nor obligation to this company in written or verbal agreement form
|
| 02/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Midwest Recovery Systems reported in a false manner that I took out a payday loan from XXXX XXXXXXXX XXXX onXX/XX/XXXX in amount of {$260.00}. It then has just appeared on my credit report as a defaulted account and just appeared on my credit report onXX/XX/XXXX. I have done a direct dispute with XXXX and XXXX. However XXXX is saying that it is accurate. I will be calling them ; But I never took out this payday loan and want it removed from my credit report.
|
| 06/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I received an alert on my credit report from Midwest Recovery Systems for {$660.00} on XXXX / XXXX / XXXX . I called the telephone number provided, and a call rep informed me that it was a payday loan from XXXX from the year of XXXX . I informed her I have never received a payday loan. I informed her I never received anything prior to now about a payday loan. She tells me I will need to file a police report for something that allegedly happened in XXXX .
|
| 10/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midwest Recovery Systems put something on my credit report for a payday loan I never took out. I received nothing in the mail and no attempt to contact me directly. It literally just showed up on my credit report this morning. There is no amount and no other information available. And after reaching out to the company itself, I still have not been given any credible information except that I would be able to pay over the phone with a credit card if I chose.
|
| 11/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I dont know who Midwest Recovery Systems is or who they represent, all I know is these people have never notified me that I apparently owe a debt instead the decide to attack my credit report.
Why attack my credit report when you could have called or sent me a bill in the mail letting me know more about this debt.
I feel Midwest Recovery Systems has violated my rights by attacking my credit report and not giving me even a chance to address this issue.
|
| 11/27/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity was stolen in 2012 and used for a payday loan from XXXX XXXX XXXX. I do not have a job or get paychecks, nor did I even have a bank account said money went into. This was finally removed from my credit last year and was just opened again from the same XXXX and same dollar amt. of {$1000.00}. I just started receiving collection calls which is how I found out ; from : Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
|
| 03/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Midwest Recovery Systems at XXXX is reporting on a settled debt on my account and demanded XXXX to stop reporting on it and they do not own this debt. The debt was sold from XXXX to XXXX XXXX XXXX and they have also tried reaching out to Midwest recovery systems telling them they should not be reporting and this account has been settled in full. Midwest told me they would not remove reporting of this debt they do not own unless I give them 1600+ dollars.
|
| 08/13/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
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.
|
| 03/10/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2018, I pulled my credit report and noticed that their was two collection accounts from Midwest Recovery Systems for XXXX XXXX XXXX and XXXX 1. I was never notified by this company regarding these accounts. On XX/XX/2018, I sent a Cease and Desist letter by certified mail to Midwest Recovery Systems. To date, Midwest Recovery Systems is still reporting collection activity. This is a violation of the FCRA and FDCPA. Please see attached evidence.
|
| 04/25/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX bogus so-called corporation is saying I owe them {$730.00}. I do not owe them a penny. They reported me to the credit bureau '' s XXXX, XXXX, XXXX. What i want if for them to do what is right. I am a hard working honest man. I researched Midwest Recovery Systems on the internet and found out that this predator corporation goes after honest hard working people claiming they have a debt to pay. I refuse to give in and pay them. This is my complaint.
|
| 07/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2018 and XX/XX/2018, I sent Midwest Recovery Systems a cease and desist letter via certified mail. they were signed on XX/XX/2018 and XX/XX/2018.
On XX/XX/2018, I sent Midwest Recovery Systems another letter via certified mail that was signed on XX/XX/2018 To date, Midwest Recovery Systems, is still reporting collection activity to all three Credit Bureaus. They are not in compliance and have violated the FCRA and FDCPA. Please see evidence
|
| 10/04/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midwest Recovery has reported to my Credit that I owe them XXXX from some place called XXXX XXXX XXXX. This is not my debt and Midwest Recovery has not even contacted me they just placed on credit. This is the third time this company has done this and the other two were removed because they knew they were scamming me. This XXXX needs to stop with Midwest. They are THIEFS. And by the way online payday loans are illegal in NC. So how would I do that.
|
| 03/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
I checked my credit report and there was s derogatory mark place on by a Company called Midwest Recovery Systems, which I have never heard of or received any type of communication from. The company they are supposed to be XXXX XXXX XXXX, which I have never done business with, and they don't even exist where I live. I am trying to have the derogatory mark removed from my credit report, it affects it adversely. I also filed a complaint with the XXXX.
|
| 08/02/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I submitted a dispute with XXXX twice to request removal of a collection in the amount of XXXX involving a collection company ( Midwest Recovery System ) whose client is an online payday loan company not licensed in the XXXX of Virginia. I do not recall in the last five years taking out a loan with this payday loan company ( XXXX XXXX XXXX ) and Midwest Recovery never sent me a notice that would allow me the opportunity to dispute the collection.
|
| 06/30/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/XXXX, a derogatory remark from Midwest Recovery Systems in the amount of {$1500.00} was reported on all 3 of my credit reports. XX/XX/XXXX, I sent in a debt validation letter to them. Midwest Recovery Systems received my letter on XX/XX/XXXX. I didn't receive a response from them by XX/XX/XXXX. XX/XX/XXXX, I sent in a follow-up letter stating since they failed to validate the debt within 30 days to remove it from my reports as a courtesy.
|
| 11/16/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I wrote a letter for validation of debt to company. Sent certified mail on XX/XX/XXXX. Midwest Recovery Systems received certified mail on XX/XX/XXXX @ XXXX. Failed to receive validation of debt from said company. Midwest Recovery Systems is in direct violation of Federal Law of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
|
| 04/19/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midwest recovery Systems is claiming I owe XXXX XXXX XXXX {$580.00} and I live in XXXX XXXX. They said it would go away if I paid it in full and did not give me information about how I can dispute it they also said it was from XXXX which is over 7 years ago. This needs to be removed immediately as they placed this on my credit on XX/XX/XXXX and I have always had full-coverage insurance so there is no way I would have a medical debt such as this.
|
| 10/20/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XXXX XXXX, XXXX, I received a credit alert. Upon checking, Midwest Recovery Systems added a collection to all XXXX credit bureaus with an open date of XXXX XXXX, XXXX. The collection is listed as XXXX XXXX XXXX in the amount of XXXX.
I havent received any dunning notice or any debt validation regarding this debt. This company has not attempted to contact me. Instead, they place the collection on my credit report thus affecting my XXXX XXXX.
|
| 06/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midwest Recovery Systems is reporting to my credit reports that I owe {$370.00} for a XXXX XXXX XXXX XXXX membership I never had as of XXXX XXXX, XXXX. This debt is not mine and I want them to remove their reporting from all of my credit reports. I have sent them two letters in the past 30 days ( the first letter was sent on XXXX XXXX, XXXX ) and they have not responded. I have also filed a complaint with the Better Business Bureau against them.
|
| 06/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midwest Recovery Systems is reporting to my credit reports that I owe {$370.00} for a XXXX XXXX XXXX XXXX membership I never had as of XXXX XXXX, XXXX. This debt is not mine and I want them to remove their reporting from all of my credit reports. I have sent them two letters in the past 30 days ( the first letter was sent on XXXX XXXX, XXXX ) and they have not responded. I have also filed a complaint with the Better Business Bureau against them.
|
| 06/21/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
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
|
| 09/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have never received written notification of a collection account which appeared on my XXXX credit report. I disputed the item with XXXX, and the item was deleted from their credit file on XX/XX/2018 as a result of their re-investigation due to inability to verify the debt. The same account has now been reported on my XXXX and XXXX credit files as of XX/XX/2018, and I have initiated disputes with the credit bureaus to have the account removed.
|
| 11/23/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX ( 3 mos ) {$920.00} MIDWEST RECOVERY SYS ; I sent letters since XX/XX/XXXX since then no one respond to me. I told them that this should not a bill. When the neighbor called the ambulance when I had an XXXX XXXX, my girlfriend did not let them go with me because I got better. When they came, they got my name and social. And later they sent their bills. Not fair at all. I did not get into the Paramedics. Please remove that. Thank You!
|
| 03/11/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
MIDWEST RECOVERY SYSTEMS has been attempting to contact me and harrass me over a payday loan i took out in XXXX, according to XXXX XXXX.
I filed a chapter XXXX bankruptcy and it was discharged on XX/XX/XXXX.
after contact with my lawyer they proceeded to hit my credit score on XXXX illegally.
the amount they are attempting to collect is {$880.00}. I spoke with a representative of XXXX XXXX on XX/XX/XXXX and they assured me this is a SCAM.
|
| 03/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX Ive never been seen at this place before. I never received any information nor phone calls that I owed a debt. I called to see what it was for because it got placed in collections and added to my credit report. I talked to someone that stated they werent sure but it happened in 2015. With no attempts to let me know this was even active. The credit agency is Midwest Recovery Systems who Ive never heard of. For {$340.00}.
|
| 06/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I SENT A DEBT VALIDATION LETTER TO THIS COMPANY AND ASKED THEM TO VALIDATE THE ACCOUNT. I ASKED THEM TO SEND ME DOCUMENTATION WITH MY SIGNATURE THAT SAYS I AM INDEED THE PERSON RESPONSIBLE FOR PAYING THIS DEBT. THEY SENT ME A LETTER BACK SAYING THEY ARE UNABLE TO VERIFY THE ACCOUNT. ALL THEY SENT ME WAS A BILL STATING THE ACCOUNT IS VERIFIED BUT THEY DID NOT PROVIDE ME WITH ANY PROF THAT I OPENED IT SO PLEASE REMOVE FROM MY CREDIT REPORT
|
| 02/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, My Name Is XXXX XXXX. I Am Trying To Clean Up My Credit. Ive A Collections Notice On My Credit Report From Emergency Physicians Of MI, Who Bought The Account From Midwest Recovery Systems For {$510.00}.
I Called The Company Requesting For The Original Document and Was Told They Are Not Allowed Too Give It Or Mail Any Information.
I Have No Knowledge Of This Account and Im Asking You To Remove It From My Credit! Thank You! XXXX
|
| 04/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This statement pertains to what has been deemed as Fraud. I have never contracted services with MIDWEST RECOVERY SYSTEMS on behalf of XXXX XXXX. This account just recently appeared on my personal credit report with no address and no account number to investigate further. Upon completing an online search XXXX XXXX is an illegal offshore payday loan lender and I would like you all to be aware of this scam and to take action as necessary.
|
| 08/07/2019 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
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.
|
| 05/24/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I got an alert from XXXX XXXX that a collection report was added to my credit report. I do not recognize the debt, I was never contacted about the debt or furnished proof that it is mine. There is no information about when this debt was incurred and I have not seen any notification as to when it occurred. There is business name listed as XXXX XXXX of Washington but I know nothing about this debt and have never done business with them.
|
| 06/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently noticed a collection company reporting on my credit. I have never received a notice regarding this nor do I know what it is. Midwest Recovery System is reporting on my credit for original creditor XXXX XXXX XXXX?? I am unaware of either of these companies.
It is from XX/XX/2011 which, for one is past the statute of limitations. For two, how can they just report on my credit without first sending notice and this isn't mine!
|
| 11/07/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
They put on my credit report I owed XXXX I dont know these people I was never contacted it took me along time to build my credit score up and now they have damaged it I had a score of 763 but now with this it makes me so anrgy. On the XXXX site it also talks of other people that dont have these bills and they have reported to credit bureau. These people are trying to scam old people plus XXXX knows who else. something needs to be done.
|
| 04/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent letters to the collection company and credit bureaus informing them that this account dont belong to me. Ive never been to XXXX XXXX or had a XXXX XXXX credit card or whatever kind of account is this. Ive been XXXX for over 10 years. This company have failed to remove this debt that dont belong to me. They cant prove this account belongs to me because its not mine. I request this account be removed from my credit immediately.
|
| 04/03/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
This loan is illegal in the state. They have this on my credit report and would like it to be removed.They never sent me any verification of this debt. When I would receive harassing phone calls at work and at home. I sent them a ceased and desist letter. And now it 's on my credit report. As Midwest Recovery System. I do n't have this loan. and owe them nothing. XXXX is what is owed. Please look into this matter. Thank you, XXXX XXXX
|
| 08/16/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Midwest Recovery Systems never sent me anything in writing about a supposed debt that is past the statute of limitations in my state of Louisiana. Also, they were rude and verbally abusive when contacted by phone. This company refuses to answer in writing and wrongly claims that the debt is mine. I've asked for validation and they refuse. I'm requesting the removal of this fraudulent account from all three credit reporting agencies.
|
| 12/25/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
OnXX/XX/XXXX a collection was put against me by Midwest Recovery Systems for a medical debt that was paid off through another collection agency on XX/XX/XXXX. I wrote a letter to Midwest with a copy of pay off letter from previous collection agency. To date the collection still appears on my credit report. Since paying off this medical debt I have received calls from other collection agencies but would fax a copy of pay off letter.
|
| 07/07/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received notification of a collection account reported on my credit report. In reviewing my file there is an open collection with Midwest Recovery Systems opened XX/XX/2018 with an original creditor listed as XXXX XXXX XXXX XXXX. I have received no notice of this account and do not recall any business with either company. The balance being reported is in the amount of {$1000.00} which I need removed from all reporting agencies.
|
| 06/27/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This company Midwest Recovery appeared on all three of my credit reports. I have never heard of XXXX XXXX they have them listed as the original creditor. I have written the company to validate this collection and have not received any response. This is not my account. I have never applied for a payday loan. I would like this removed from all 3 credit reports. The amount {$600.00}. They put this account on my credit on XX/XX/2017.
|
| 02/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Receive multiple calls on almost a daily basis from different numbers. Voicemails stating an important call from a debt collector.. Midwest Recovery Systems ... I know for a fact I do not owe a debt and I read online that this company is accused many times of fraudulent claims. I have not called the company back because I do not want to waste my time disputing a false claim and potentially becoming at risk for higher involvement.
|
| 04/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Midwest Recovery is reporting something on my credit file that I believe to be over 10 years old. They have not sent me any type of notification it just started to report on my credit file in 2018 for which I disputed it and it was removed. It started to report again this month. I am unclear what the debt is for but I again believe it's something that occurred over 10 years ago. They can not continue to just report it randomly!
|
| 11/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not have a contract with Midwest Recovery Systems. I am not liable for this collection from XXXX XXXX XXXX. I am not responsible for this debt. This collection was removed as of XX/XX/2019 from my credit report, and in XX/XX/2019 it was placed back on my credit report, without having the 5 day notification prior to the placing. Which is a FCRA violation. Remove this fraudulent collection immediately from my credit report.
|
| 02/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, My Name Is XXXX XXXX. I Am Trying To Clean Up My Credit. Ive A Collections Notice On My Credit Report From XXXX XXXX Of MI, Who Bought The Account From Midwest Recovery Systems For {$510.00}.
I Called The Company Requesting For The Original Document and Was Told They Are Not Allowed Too Give It Or Mail Any Information.
I Have No Knowledge Of This Account and Im Asking You To Remove It From My Credit! Thank You! XXXX
|
| 11/10/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I checked my credit report on XXXX XXXX and notice a collection debt. Called up a company named Midwest Recovery who was not the original creditor. I told them there must have been a mistake. So I disputed the debt. The original collector was XXXX XXXX XXXX XXXX. I never heard of them and never borrowed money from them, but some how they got my personal information. The debt that they said I owe was in the amount of {$660.00}.
|
| 07/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
After reviewing personal credit reports I noticed a collection account has been recently added and is very damaging. I have never received anything in writing from Midwest Recovery Systems, LLC about a debt of {$3100.00}. I do not have any new outstanding debts. I have recently sent a letter inquiring and awaiting a response from Midwest.
I would very much like to make a complaint against this company for their false claims.
|
| 09/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XX/XX/XXXX I received an alert of a new collection on my credit file-XXXX XXXX XXXX in the amount of {$750.00} owner to a company XXXX XXXX XXXX XXXX XXXX. I have disputed this last year and the company name then was XXXX XXXX-it was removed the account from my credit files. Here we are again. I contacted the company on XX/XX/XXXX with no resolution.
I have not applied for a loan from either of the similarly named companies.
|
| 10/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I received an alert that a collection account had been added to my credit report. I pulled my credit report to find out what this collection account was for. Well the collection company is trying to collect for an online payday loan that they have no legal authority to collect on as the loan was not legal and the State of XXXX issued Desist and Refrain Order and Order Voiding Transactions and to Disgorge All Charges and Fees.
|
| 12/21/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Midwest Recovery Services LLC is trying to collect on a debt that is NOT mine and has NEVER been mine. I have never used their services for a payday loan nor have i used the services of the FRAUDULENT company they are collecting on behalf for a payday loan. How they got my information and managed to report this on my credit reports is bewildering!!! I could not begin to imagine that something like this would happen to anyone.
|
| 06/07/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Midwest Recovery placed a {$270.00} debt on my credit report on XX/XX/XXXX this year. I never received anything from this company prior to seeing it come up on my XXXX report. I called them today and they said they had my correct address and that they dont have to notify of the debt prior to placing my my report but if I paid it theyll send me a deletion letter. I should have had 30 days to dispute the validity of the debt
|
| 01/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I received a credit report update from XXXX XXXX on XX/XX/2019 : Midwest Recovery Systems put a {$200.00} collection account on my credit reports ( states between XX/XX/2019 and XX/XX/2019 account opened ). Collection states origional creditor was XXXX XXXX XXXX XXXX. I did not get a loan from XXXX XXXX XXXX XXXX, never received a call from XXXX XXXX XXXX XXXX, and no mail received. I did start a dispute with XXXX and XXXX
|
| 07/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Midwest Recovery system told me that I get a loan from pay day loan back in XX/XX/2015. It was check to cash in XXXX XXXX. I told them that was not me, if I got a balance from the creditor why they don't send the bill to my house or call me. They never send any bill or call. I am buying a house, trying to get a pre approve letter that is how I find out from my loan office told me. I need it to remove from my credit report.
|
| 11/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a debt with XXXX credit card. It went delinquent in XXXX and was charged off in XXXX. A new collection agency just put this back on my credit last month and is reporting the account going delinquent and charging off in XXXX so they they attempt to collect a debt that is no longer collectable. The debt had already been off my credit for years. I contacted them and they said they did not care and were going to collect.
|
| 02/03/2017 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Payday loan is from XXXX, they have it reported as being opened in XXXX. Have made multiple attempts to contact them via certified mail but it is returned as undeliverable and they have since sold the debt to a 3rd party collector who is now adding on fees and interest to make a profit. Was advised by the BBB to contact the FTC to file a complaint as they have an open investigation due to the amount of consumer complains.
|
| 11/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
AS OF TODAY. I LOOKED AT MY CREDIT REPORT AND SAW that a company that I don't know trying to collect a debt that I know nothing about it says that I owe {$1100.00} to a company called XXXX XXXX XXXX. I have no ida who XXXX XXXX XXXX is. its not my loan. I have never been contacted by these company 's by mail or by phone or in person. I don't know who they are. they don't show an account number or any other information.
|
| 10/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Midwest Recovery Systems reported a debt from a Payday loan company, 12 XXXX XXXX XXXX for XXXX dollars on XX/XX/2019 to all the credit bureaus. I was never notified of this debt and I don't know anything about it. No information about the original debt was included with the credit bureau and I was never notified in writing about this debt. Midwest Recovery Systems. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
|
| 06/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was unaware of this collection on my credit until I checked my credit score one day and it was dropped a lot. I looked at my credit report and saw the account on there. I did not know who they were or what they were collecting for. I gave them a call and they told me what it was for and I have not been to XXXX XXXX XXXX. I have never even heard of XXXX XXXX. I would like to dispute this because this is not my debt.
|
| 06/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I received an alert from XXXX about a new collection reporting from Midwest Recovery Systems. They claim the original debt is from a payday loan that I never applied for. I do not have any accounts in collection. XXXX notified me that my social security number is on the dark web. This collection reporting is illegal & a fraud. There are several reports online where this company has fraudulently reported them also.
|
| 05/24/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I looked into XXXX XXXX and noticed a deragotory comment on my credit file from midwest recovery. they claim I took a webloan from XXXXXXXX XXXX XXXX for XXXX I have never used any company to take a payday loan or any type of web loans in my life i called them to remove this immediately since I am buying a home they told me 60-90 days I said unacceptable since I should not have this in my report and its there error.
|
| 06/28/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and someone stole and used my personal information to open up an unauthorized and fraudulent account with XXXX XXXX XXXX. I have never applied for an account with XXXX XXXX XXXX. I have been receiving harassing and threatening telephone calls and death threats from Midwest Recovery Systems representatives in regards to the unauthorized and fraudulent account that do not belong to me.
|
| 10/01/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A company has reported false information to all 3 credit bureaus. This company claims that I owe a balance of {$130.00} of which I do not know anything about. The open date is XX/XX/2018. I have disputed the account with all 3 major credit bureaus, and they have all come back verified. On my XXXX credit report the account status updated to charge-off ; after my dispute exclaiming the account not belonging to me.
|
| 12/09/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Got notice that there was new claims on my credit report so I looked and there 's one from Midwest recovery and they reported it twice and it on there twice so it shows I owe {$880.00} dollars twice for the same dept and my credit score took a huge hit from XXXX to XXXX and no information on dept or any notice at all and another from XXXX for XXXX and that 's paid as of 9 months ago and still remains in my credit
|
| 06/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The company midwest recovery XXXX is reporting inaccurate information on my credit report and states that I owe a balance of {$110.00}. I have never received a notification from the merchant and this negative item is hurting my credit score. My Hippa rights have been violated and due to Covid-19 and my medical condition I'm on XXXX and can not afford to pay for items that not valid and are reporting incorrectly.
|
| 11/08/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was looking on my credit report and found out that a collection agency, Midwest recovery LLc put a collection on my credit report. I have no knowledge of this account and of the creditor XXXX. I would like this collection removed off of my credit report. I have received no information, documents, etc in regards to this loan. This I know is against the FDCPA and recording false infromation on my credit report.
|
| 11/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have collection report on my XXXX credit report from Midwest Recovery Systems. The account number is XXXX. Please be advised that I am disputing this collections due to the fact that Midwest Recovery Systems, do not currently have a valid license in Illinois to collect on debts. This information is stating that their license is revoked. According to the IL Department of Financial and Professional Regulation.
|
| 10/04/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have never done business with Midwest recovery systems. I do not have a sign contract with Midwest recovery systems. I have a right to demand to see a signed contract between Midwest recovery system and myself plus after reading many complaints on this company and their tactics of conducting business it is safe to say that they are a scam company and I demand to see a signed contract between myself and them.
|
| 10/30/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I just recently saw an account that appeared on my credit report from Midwest Recovery Systems. I have never received any type of letter, bill, phone call, or anything from this third-party debt collection company. They have not verified or validated any type of debt with me. I do n't know who they are collecting for but I do not who these people are and do n't owe any original creditor this amount of money.
|
| 12/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I'm XX/XX/19 I received an alert from on XXXX from Midwest recovery System bringing my score down 30 points. This company I never heard of not never received a notice saying that I owe them. I check and monitor my credit report on a daily basis. This report was sent on XXXX. This is not my debt I do not know who these people are. I will contact an attorney regarding this and how they handled this illegally.
|
| 03/03/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I checked my XXXX credit report & noticed a derogatory mark on my credit report from Midwest Recovery Systems concerning an unpaid loan in the amount of {$1400.00}. It states the original creditor was XXXX. I do not recall this loan which is from XX/XX/2015& I never received a letter or phone call before this was added to my credit report. I request verification or immediately removed from my credit report.
|
| 05/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Midwest Recovery Systems has failed to send me any validation documentation whatsoever. Midwest gave no notice at all before placing on my credit reports. Midwest has ignored 18 emails in the last 30 days. They refuse to correspond with me via email or mail. Midwest has over 800 complaints with the XXXX XXXX XXXX.
Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Amount : {$860.00}
|
| 05/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Midwest Recovery Systems has failed to send me any validation documentation whatsoever. Midwest gave no notice at all before placing on my credit reports. Midwest has ignored 18 emails in the last 30 days. They refuse to correspond with me via email or mail. Midwest has over 800 complaints with the XXXX XXXX XXXX.
Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Amount : {$860.00}
|
| 02/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In a complaint submitted to the CFPB, Midwest Recovery Systems responded stating a record of deletion would be sent to all credit reporting agencies.
MRS has not and still has not provided me anything stating this is mine, and this negative information is still being verified on both XXXX & XXXX.
This needs to be removed from my credit report IMMEDIATELY as stated by MRS in their response to my complaint.
|
| 08/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
A debt collection from Midwest Recovery Systems in my name was put on all 3 credit reporting company 's. The collection attempt is for XXXX dollars on a account through XXXX XXXX company just opened a month ago. I live with my parents and have not had utilities in my name for 5 years. I also have never received anything in the mail regarding a debt and the chance of it being reported on my credit reports.
|
| 11/10/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX has notified me on XX/XX/18, that there has been a collection placed in my credit report from Midwest Recovery Services with a balance of {$7000.00}. This company has not provided me with account information in writing to dispute. Company hasn't notified me by phone or in writing. This account does not belong to me. I request this collection to be removed from all 3 credit bureaus.
Thank you
|
| 07/31/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
The company Midwest REcovery XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX place me in collection for a dedt that is not mine they Violated the FRCA and the FDCPA they never notified me by writing or phone by law, i want this removed immediately or i will pursue legal action for damaged this is not me i never heard from this company ... I cant believe they put in collection without informing me of nothing
|
| 04/06/2017 |
Yes |
|
|
|
Web |
|
|
Pay day loan lender is prohibited in my state when I advised I could no longer pay high interest fees and advised that web pay day loans are prohibited in the state of PA they kept calling and harassing me about paying the loan. Now they have reported on my credit in collection. My credit score has been significantly effected by this, and I may not be able to qualify for Home loans to purchase a house.
|
| 11/07/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
Midwest Recovery Systems added a collection account from XXXX to my credit report from a company that is not licensed payday loan company in the United States. I did not open it payday loan with XXXX it was a fraudulent company with no internet address of a physical address or telephone number there is no supporting documents stating exactly when the account was reported delinquent or an account number
|
| 11/08/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
Midwest Recovery Systems has reported a debt to my XXXX and XXXX credit reports. I have no Idea why they are trying to collect a pay day loan amount when I am post bankruptcy and discharged. I have 2011 discharge and my case number is XXXX. I have not received a 30 day disclosure from this company and feel this may be a scam. It is illegal to collect a debt that has been discharged per bankruptcy law.
|
| 11/07/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
midwest recovery systems placed a collection account on my credit report. Thing is my credit report is free of any outstanding accounts. For about three years. No prior communication and I do n't recognize original debtor. This account is fraudulent or trying to collect on an account that was already settled. This account needs to be removed from all credit bureaus it reported to. I do not owe anyone.
|
| 01/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX and XXXX a is reporting Midwest Recovery and XXXX XXXX as open and in collection on my credit report. This information is not correct because they was included in my bankruptcy. I have called several times and I do t get any results. The people that answere the phones can’t understand English. They say they have disputed it but when I call back within 39 days they have no record of my disputes.
|
| 04/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
A couple weeks ago this company put collections on both my XXXX XXXX and XXXX credit reports - MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX I have no knowledge of this debt, and no one from this company has attempted to contact me before reporting it to the credit bureaus.
I have tried to contact the company, and it seems like a complete scam. No one answers the phone.
|
| 09/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Midwest Recovery keeps copying and pasting a generic response and will not address my issue. This is a fraudulent tradeline on my credit report! They have failed to provide validation of this so called debit to " XXXX. '' It has been beyond 30 days and they are infringing on my rights per the FCRA. I will go the State Attorney and file a lawsuit. Remove this fraudulent tradeline from my report ASAP!
|
| 05/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I checked my credit reports at the end of XX/XX/XXXX and noticed a medical bill in collections on my XXXX credit report with Midwest Recovery System, for XXXXXXXX XXXX XXXX in the amount of {$1000.00} which states was opened XX/XX/XXXX. I did not sign a contact with Midwest Recovery System for anything. I was never notified by Midwest Recovery System to dispute this debt that does not belong to me.
|
| 12/29/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Midwest Recovery Systems just dinged my XXXX Credit Report, by reporting that I owe them XXXX. This happened last XXXX as well. Once I went to the Consumer Financial Protection Bureau last XXXX, they quickly dropped it. However, it appears they are back at it, again. Really fed up with them. They refuse to verify the debt, yet they go straight to my credit report. Really unfair what they are doing.
|
| 07/27/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I 'm filing a complaint against Midwest Recovery System about a debt I do not owe neither do I have contract with which is illegal and which the debt they claim I owed to XXXX XXXX XXXX. They are in violation of FCRA and I would love this collections account be deleted from XXXX, XXXX, and XXXX for the amount of {$470.00} thats not mine. I would like to be Compensated for the Embarrassment as well
|
| 09/11/2016 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
|
|
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.
|
| 01/18/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a notice from XXXX XXXX stating that my credit has changed. It was from Midwest Recovery Systems. They stated that I have a outstanding debt for the amount of {$1000.00} which i did not owe. I have tried calling them. Line is always busy. I have been fixing my credit for 2 years now and I got it to an excellent score. Now with this on my credit report, I have taken me to a good score.
|
| 07/04/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I logged onto XXXX XXXX to check my credit report when I noticed a debt in collections for {$700.00} that said it was open in XX/XX/XXXX from Midwest Recovery Systems. I contacted the company in which they told me to just pay the debt, but I never took out any payday loans. I will be calling back to Midwest Recovery Systems to retrieve paper to verify that this is not my debt owed.
|
| 09/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XX/XX/2019 Midwest Recovery Systems charged me a balance of {$1400.00}.
I do not know who these people are and what type of company this is. I tried calling there customer service hotline many times but was only able to reach an emergency department.
I believe this to be a very fraudulent use of my identity and credit report. And I need this issue to be resolved in a quick and timely manner.
|
| 11/15/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I recently pulled my credit report and noticed a collection from Midwest recovery systems. I have never been notified by this company about an outstanding debt, they just placed a collection on my report. The original creditor shows as rockford and after research I see its for a payday loan in 2011. I have never had a payday loan. I sent in a request for validation and Midwest never responded.
|
| 04/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had an old account with XXXX XXXX XXXX and Mid West Recovery Systems. I contacted both of the agencies and settled to pay my bills in full. I asked that a letter stating I paid in full be sent to me and that the item be cleared from all three credit bureaus. It has been weeks now and it's still there. I held up to my part and I would like them to do the same and remove the item IMMEDIATELY.
|
| 11/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received notices that a collection account from Midwest Recovery Systems LLC originally known as XXXX XXXX was now showing on my credit reports for {$890.00} as of XXXX/XXXX/XXXX. It is also showing twice on my XXXX report. I have never been notified by this company about an outstanding debt, they just placed a collection on my report and started calling and leaving me messages on my phone.
|
| 08/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XX/XX/XXXX sent doctumentation to dispute debt. Never recieved notice before placed on credit report.. I have subitted proof numerous times of not owing this debt. asked numerous times for proof of alleged payment on this debt.. ( check? credit card? what bank? ) because i NEVER made a payment on a debt I didnt owe.. False bills .. current charges when I havent lived there in over 4 years!!!
|
| 03/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
Servicemember |
|
I recently checked out my credit report. I see two accounts from Midwest Recovery Systems for the same amount of {$1000.00} from two different payday companies. I have emailed Midwest and XXXX the two payday companies and there is no information on them. Midwest has not emailed me back. I did not open these two payday loans as Midwest Recovery has stated. I need them off my credit report.
|
| 02/02/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
No documents no verification through the debt collection Company XXXX XXXX just saw this from a alert on my email that my account was in collection XXXX buy a company XXXX payday loan of {$840.00} never request or apply for a loan online I usually do it local. XXXX XXXX XXXX is in violation of only Fair Labor practice did not notify me just popped up on my credit report XXXX as a collection
|
| 07/03/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
This company does not follow the lending laws and regulations of the state of Virginia. When I tried to resolve this issue and stop any further transactions I could not get any resolution nor would they send me documentation of the validity of this loan or online agreement. I no longer can get in touch with them. They have turned the account over to Midwest Recovery Systems for collection.
|
| 02/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I received an alert that a new account had been added to my report via XXXX XXXX. The new account being reported is Midwest Recovery Systems.
This account is not mine. This company violated the California FDCPA ( XXXX Fair Debit Collection Practice Act ) by reporting false information ( not my account ) and by Not sending a dunning letter before attempting to start collection practices.
|
| 05/03/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Midwest is attempting to collect on a debt that I do not owe for {$610.00}. They are harassing me with an attempt to ruin my credit. They are reporting a debt as if I had signed a contract with them. Midwest is violating my Fair Credit Report act rights. They call and leave messages that they are sending someone to arrest me. They are reporting negative information on my credit reports.
|
| 12/08/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX appeared on my credit report. I contacted the company several times to explain that the debt does not belongs to me and to please remove. I attempted to call XXXX to ask them to remove the debt because it was not my debt as well but I was told that they can not remove a debt that I must go through the company. I have exhausted all options to resolve this unauthorize debt.
|
| 07/19/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
For the second time, this company has appeared on my credit report out of thin air. This time on XXXX with the same amount of {$1200.00} from XXXX XXXX XXXX XXXX as the original creditor. In these critical financial times with COVID 19, I don't have time or the inclination to be playing games with credit. I have yet to receive anything from this company detailing these alleged charges.
|
| 01/16/2019 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This collections agency appeared on my credit report with me having no knowledge of them at all. I have never been contacted by this agency nor have I gotten any mail regarding this. After reviewing this collections agency on the XXXX website via the reviews left, they are known to be fraudulent and very much a scam. This has impacted my credit score significantly and is unacceptable.
|
| 01/10/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
is Company is not who I applied for the loan through. Not only that I had over XXXX calls once I applied. Each one representing that I had applied with their Company. I have never heard of the supposed original Company. I have never received anything in writing pertaining to this debt. I had phone calls from numerous Companies trying to collect on this same debt. It is financial XXXX.
|
| 11/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This complaint was submitted previously complaint number : XXXX In the previous complaint the creditor stated a letter was sent to all three bureaus to have this deleted from my credit report ; however, this is still reporting on ALL 3 bureaus. I would like the letter to be sent directly to me as well as the reporting agencies. I think enough time has been allowed to get this removed.
|
| 05/19/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After reviewing my XXXX credit report, I found a listing from Midwest Recovery Systems, for a payday loan from XXXX XXXX. I previously had a conversation with XXXX XXXX in XXXX indicating this was not my debt, as I have not lived in Washington State since the end of XXXX and they indicating they would be handling it internally. The listing indicates that it was opened on XX/XX/XXXX.
|
| 11/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midwest Recovery Systems placed a collection on my XXXX credit report. I never received any written notification or phone calls from them about a debt owed. It is also a debt that does not belong to me. When I called them they were verbally abusive and said I would have to pay the debt to have it removed and they did not have to prove it or notify me of any information regarding it.
|
| 03/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A couple of years ago a mysterious debt to some medical group in Oklahoma showed up on my credit report. After much harassment by phone and mail I filed suit in my local court and the company/collector agreed to take the item off my credit report. Now, a new collector is trying to collect the same debt that has already been removed from my credit report twice. This is clearly a scam.
|
| 11/08/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
A collection account was placed on my credit report for {$740.00}. The debt collector, MIDWEST RECOVERY SYSTEMS, claims I owed money to XXXX.
This company, XXXX, is no longer in business, according the the BBB.
Also on XX/XX/2014 XXXX of the State of California issued a Permanent Injunction against this company. This collection needs to be immediately removed from my credit report.
|
| 07/20/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX is my original case number here. The creditor responded it would remove from my credit report I just received another copy of my report and it is still on there. This is not my debt. I was never made aware of this and XX/XX/XXXX it showed up as a collection on my report. I filed a dispute please reference the case number above and it was to be removed from my report. It was not.
|
| 01/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This is the second time Midwest Recovery Systems has put a collection on my account for some payday loan I have never heard of, XXXX XXXX. No notification of such an item every received. I have never heard of their client and I want this removed immediately. They are already reported and revoked by the XXXX for complaints. It's ridiculous companies can get away with these practices.
|
| 02/28/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The account name is Midwest Recovery and Original Creditor is XXXX XXXX XXXX. This charge is NOT mine and has mysteriously placed on my XXXX credit report. I have demanded that this company provide me with a copy of a signed agreement and video of me at their location.
It seems to me that payday loans are targeting consumers who do not look at their credit report regularly ; I do.
|
| 03/11/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2017, Midwest Recovery Systems, LLC put a debt on all 3 of my credit reports for {$820.00}. The original creditor was XXXX XXXX XXXX. I have never received a loan from this company or any documentation that Midwest Recovery Systems, LLC has the right to collect the debt. About 4 or 5 years ago, my cell phone was stolen and personal bank account information was compromised.
|
| 07/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
XX/XX/XXXX, Midwest Recovery Systems hit all 3 Credit agencies for the amount of XXXX. They are stating the original lender is XXXX XXXX XXXX. There has never been any notification sent out about this debt as well as no information verifing this debt. However now when they have the ability to automatically report non-verifiable debt causing an instant decrease in my credit scores.
|
| 11/07/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I had been receiving phone calls that I owed a {$790.00} payday loan which I never asked for and never received. Now a company named Midwest Recovery Systems XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX has placed this charge on my credit report which is affecting my credit. I never received a loan nor will the company provide any documentation stating that I received any monies.
|
| 06/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX AMOUNT I DO NOT OWE IS {$1800.00} AND XX/XX/XXXX AMOUNT I DO NOT OWE IS {$670.00}. THESE AMOUNTS WERE ILLEGALLY PUT ON MY CREDIT REPORT BY XXXX XXXX ( {$1800.00} ) ALSO MIDWEST RECOVERY SYSTEM ( {$670.00} ) MY CREDIT REPORT HAS BEEN DISRUPTED BECAUSE OF THE FALSE IMPLICATIONS OF THE AMOUNT OF MONEY I DO NOT OWE.
I AM BEING HARASSED BY THESE PEOPLE AND IT IS NOT RIGHT.
|
| 01/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent : XXXX XXXX XXXX XXXX XXXX XXXX PRESIDENT OF MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX 3 letters to verify debt they claim I owe and have not received any reply.
I have never received any documented information in reference to this debt.
Now i look at my credit to see why it dropped and i see this report saying I owe {$4100.00} to them.
|
| 04/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Account was opened on XX/XX/2020 but I do not know what account was opened as nothing is shown on my credit cards or in email. There is no number for amount past due. The initial balance went from XXXX to XXXX with no indication of last payment as XXXX I dictated there was no payment made. I received an email today XX/XX/XXXX that I just opened the account without my knowledge.
|
| 03/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Midwest Recovery Systems reported a collection account on my credit that I do not owe. I was never contacted nor informed that they had this debt neither was I informed that they were putting anything on my credit. I requested validation of the debt via certified mail. However they have not sent me anything and it's been over 4 months. I have insurance and I don't owe this debt
|
| 01/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Midwest Recovery systems located at XXXX XXXX XXXX XXXX XXXX Mo. Has attached a collection account in the amount of {$640.00} to all 3 credit reporting bureaus.
I do not know who this company is and have never received any documentation from them at all none whatsoever. I am disputing the account as not mine and suspect this is a fraudulent attempt to collect monies not owed.
|
| 06/04/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Midwest recovery systems has put a collection account from XXXX in my XXXX credit report which is not my account. This is the third time they have done this and i had to complain to the XXXX to get it removed which sid happen now i want this account removed from my credit report this is fraud. I also believe this company needs to be investigated about their business practices
|
| 06/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I send a validation of debt on XX/XX/XXXX and Midwest recovery got it on XX/XX/XXXX.they failed to respond to my validation of debt and there was no communication at all from they part, they are violating my rights on reporting accounts thats was not 100 % veritable, because they cant provide me with any documentation of this debt, they need to remove it as soon as possible.
|
| 06/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I send a validation of debt on XX/XX/XXXX and Midwest recovery got it on XX/XX/XXXX.they failed to respond to my validation of debt and there was no communication at all from they part, they are violating my rights on reporting accounts thats was not 100 % veritable, because they cant provide me with any documentation of this debt, they need to remove it as soon as possible.
|
| 12/04/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I was notified by a credit monitoring service that a new collection was placed on my credit report on XXXX/2017 by Midwest Recovery Systems. I have never received information regarding the account or the pay day loan Midwest Recovery Systems are attempting to collect. Midwest Recovery Systems failed to allow time to dispute the debt prior to reporting to the credit agencies.
|
| 08/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
As of the date of this letter has MIDWEST RECOVERY SYSTEMS, LLC has violated FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days, have also violated Section code 605 ( b ) Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 )
|
| 03/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
There are recent derogatory entries on my credit report from Midwest Recovery Systems, dated XX/XX/2020. The derogative entry says that I have an account in collections for {$310.00} that I'm unaware of. This has damaged my credit score. I have never heard or owed money to a company called XXXX XXXX XXXX. I was not notified in writing of any such debt. The debt is invalid.
|
| 03/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Midwest recovery systems all of a sudden appeared in my credit file. Company stated that I owe an online advance from XXXX!!! Never had shown up until XX/XX/XXXX. I called company and they refused to verify social sec # or any info to prove it belonged to me. I was told that I would receive a packet " fraud affidavit " and to fill out and return. I never received anything.
|
| 02/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
XXXX XXXX claims that I overdrew a savings account and have reported it to the credit bureaus as of XX/XX/2019. I did have an account but did not overdraw it and the account was closed more than 7 years ago. I have disputed it but they will not remove as they say that it is correct. I believe that it should be removed because of the time frame when the account was closed.
|
| 04/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
This is NOT a duplicate complaint.
I received a call from Midwest recovery systems in regards to a payday loan I allegedly received in 2013. Company stated account will not be reported to credit bureau. I received notification it is reporting to my credit files. Also, the alleged date is from 2013, and the state of Maine only allow credit items to report for six years.
|
| 01/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2018 I received a notification of a collection on all 3 credit bureaus, Midwest recovery systems. Ive never heard of them nor received ANY notification of any debt or collection from them.
This company needs to be looked into as Ive necer heard of this debt or received any notification of such. My credit scores dropped over 50 points due to this invalid debt!
|
| 11/22/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
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.
|
| 06/25/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Midwest Recovery Systems reported a debt from a payday loan i have no knowledge of. When asked to provide a copy of the contract, none provided, I have never had an account with Midwest Recovery, nor XXXX XXXX, this account appears on my credit reports, XXXX, and XXXX. Midwest Recovery violated FCRA, and refused to validate this debt and continue to report this debt,
|
| 01/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a complaint filed with you for this company ; here is the reference number:XXXX XXXX The company response was that it would be removed from my credit report ; however, it 's still showing on all 3 bureaus. I asked them to send me a letter stating this was an error and being removed but they never sent me the letter.
Please have this removed its been 4 months.
|
| 10/05/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
A reported debt for XXXX from XXXX/XXXX/XXXX for XXXX Never received a medical bill let a lone a notice that an account was being sent to collections or had been placed to collections. I never received a letter that I had a chance to dispute the collection. There is no way I could even have a medical bill for XXXX as I have MILITARY HEALTH INSURANCE. This is absurd.
|
| 11/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
I received a debt notice from you. This is not my debt. I have been the victim of identity theft. Since it is not my debt I have no idea of what name you have, either my married name, XXXX XXXX, which I haven't used since XX/XX/2005, or my maiden name, XXXX XXXX. I attached all my ID docs and police reports and proof of my identity. and an identity theft affidavit.
|
| 07/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
3 months ago Midwest reported my credit score without my consent and I demand for it to be remove since second party XXXX XXXX XXXX was already aware of the issue I was having and still refused to refund my complete money that was already given to them in the account number # XXXX. My credit was reported unfairly and without my consent and ask for it to be removed.
|
| 08/17/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Midwest Recovery is representing XXXX XXXX and XXXX XXXX. These items are already listed on my credit report as the past due debt from XX/XX/XXXX. Midwest Recovery is submitted these debts as current past due debts for XXXX from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX to current day. I do n't think these reports should be on my credit report as current past due bills.
|
| 07/19/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company Midwest recovery systems, has purchased a debt that was closed out by the original creditor ( XXXX XXXX ). They have added it to my credit report and this is not acceptable. The debt was originally my XXXX year old son 's medical bill. The bill was supposed to be paid by the insurance company, this debt was closed out by the original creditor.
|
| 10/25/2016 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Midwest Recovery has put a collection on my credit reports for a debt that I do not owe. I paid the loan off many years ago. Midwest Recovery called me XXXX time and I requested they send me proof of the debt, I did not hear any thing else. So now they have put a collection on all XXXX of my credit reports for {$2300.00} I did not even borrow close to that amount.
|
| 07/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
There is a company called Midwest Recovery Sys that is reporting information on my credit report indicating that I owe {$1100.00} to a company called XXXX XXXX XXXX. I have never heard of either of these companies. I have disputed it with both XXXX and XXXX, but I believe these companies need to be investigated for reporting invalid information on credit reports.
|
| 11/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I sent a handwritten certified letter to them on XX/XX/2018 asking for validation and verification on this account that is negatively reporting on my credit report. I have not received any verification or validation on this account. Per section ( 609 ) of the Fair Credit Reporting Act I should have received validation and verification of this debt within 30 days.
|
| 07/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Yes, they have a vehicle on my credit report that I did not purchase. It says with a creditor named XXXX XXXX XXXX. I have asked them to get the creditor to provide a signed contract for purchase with my signature requesting a loan with this company. I have asked in the disputes and have not received any information or the removal of the creditor from my reports.
|
| 07/14/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have a collection showing on my credit report from Midwest Recovery System with a loan on XXXX XXXX, 2016 for {$910.00} and referring to XXXX XXXX. I have never opened an account or secured a loan on XXXX XXXX, 2016. The dates are false and I owe no amount of {$910.00}. This collector is falsifying information to place a newly open account on my credit report.
|
| 12/29/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/17 I received a new account notification from XXXX XXXX. I found that it was from Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX for the amount of {$1500.00}. Says that it is from XXXX XXXX XXXX XXXX. It does not have a date listed on it as to when the " loan '' was taken out. I have no idea what this is regarding.
|
| 11/07/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have reported Midwest Recovery Systems to all XXXX credit bureaus. This debt is not mine. Never received written notice that I owed a debt to anyone. I called them today XXXX/XXXX/XXXX as soon as I saw it on my credit reports. I demanded an explanation to why a debt that is not mine was on my report and the lady hung up on me. I called back but got voicemail.
|
| 04/24/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Received notice from XXXX XXXX of a newly added debt collection from Midwest Recovery Systems opened on XX/XX/20 in the amount of {$1800.00} I never had a loan in this amount. I have not received a phone call or any written communication regarding this so called debt. It simply appeared on my credit report.
Very unfair - especially in a nationwide shutdown!!
|
| 04/24/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Received phone call yesterday in regards to this. Loan was allegedly taken out in 2013, I was not residing at address mentioned in 2013. Also, I have never heard of a company reporting to a credit bureau after stating account would not be placed with credit bureaus. Second, this account if legit, is beyond the statue of limitations for the state of MaineXXXX
|
| 01/21/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I made payments totaling to another collection agency called XXXX XXXX XXXX that had the debt I paid this account in full I have my receipts they did not want to accept the receipts and said I have to pay again this not cool at all I received a call from this collection called a Midwest recovery systems trying to collect on the same loan that has been paid
|
| 12/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.
|
| 11/14/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
On XX/XX/2016, I received an alert from XXXX XXXX. Once reviewing my report, I noticed that Midwest Recovery System placed a collection on my report. I have no idea/knowledge about this item. I havent received any notice regarding this collection. However, it was placed on my credit report without notifying me and allowing me to request debt validation.
|
| 06/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I noticed the collection item noted on my account from a creditor I don'y remember and not be a medical facility in the last 6 months.I tried calling at that number but did not get an response.At this time I feel this is a debt due to identity theft plus I am not not able to understand why i don't get nay response and this has ruined my credit history.
|
| 08/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Midwest Recovery Systems posted on my credit report for a loan opened on XX/XX/XXXX from XXXX XXXX XXXX. No such loan was opened on XX/XX/XXXX.
I contacted XX/XX/XXXX I contacted XXXX XXXX XXXX to confirm that they work with Midwest Recovery Systems but would not answer me.
Same date, contact Midwest Recovery Systems for proof of loan. No response.
|
| 03/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I am receiving derogatory remarks on my credit score and credit report from an account in collections from a company I do not owe for {$140.00}. I have not received any calls about the amount due nor was I served any paperwork from this company. Its weighing down my credit score and I would like to resolve the issue as it is effecting me negatively.
|
| 09/16/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have a debt on my credit report that is not my debt. I do not know who they are, who they represent,, name has changed twice. They continued to ding my XXXX Report. I have filed a complaint with BBB ; complaint XXXX Submitted on X/XX/2017. Complaint against XXXX XXXX XXXX, XXXX Thank you for your attention to this matter.
Sincerely, XXXX XXXX XXXX
|
| 02/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
midwest recovery systems popped up on my XXXX credit report today, im sure the other two are to follow. i have never heard from this company, received a letter from this company, nor received any phone calls from this company. lastly they do not have a license to collect debt in the state of texas. this need to be removed from my credit report asap
|
| 04/01/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
They claimed I owed a doctor. I paid them ; gave them my routing number and checking account. They said they would remove the debt from my credit history. I did not check ...
They said I would receive an email. No email. So far, no money taken out, but now I am subject to identity theft.
Company is Midwest Recovery, and they can not be reached.
|
| 01/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The collection agency is re reporting a debt from XX/XX/2001 as a new debt. This debt was on my credit report for 7 years which is the statue from the credit reporting act. once that expired the company report as a new debt. I have disputed this debt with XXXX, XXXX, and XXXX. The response is inaccurate and a violation of the credit reporting act.
|
| 07/27/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received a call from a number that is unknown to me. I called the collection agency and was told that an account was opened with them and i borrowed money from them which i know nothing about. I want the XXXX agencies to remove that report on my record and also for the collection agency to not contact me for a debt i know nothing about.
Thanks
|
| 09/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have never done business with Midwest Recovery System. I do not have a signed contract with Midwest Recovery System. I did not receive any notice before Midwest Recovery System inserted a debt in the amount of {$240.00} in which they claim I owe. Due to these factors Midwest Recovery needs to remove this debt from my credit reports immediately.
|
| 03/30/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The collections agency is called Midwest recovery systems. I have never gotten any documentation from this collections agency, nor could they tell me what the debt was for or where it was from. I have no idea who they are, and they have. Even constantly flagging my account. I have never received an email from them, or any letters or phone calls.
|
| 10/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX/XXXX/XXXX I sent a letter to the creditor asking them to validate the debt as well as remove the debt if the information was reporting inaccurately. I 've received no feedback from this company. I did receive a notification from XXXX XXXX and XXXX that the debt was being reported as a collection. I have NO KNOWLEDGE of this debt at all.
|
| 11/16/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX ALOTTED ME A LOAN IN XXXX, I THOUGHT I PAIA IN FULL THE BALANCE!
XXXX XXXX SOLD THE DEBT TO MIDWEST RECOVERY SYSTEM IN XX/XX/XXXX AFTER SOL EXPIRED IN ILLINOIS.
ALSO WENT ON MY CREDIT REPORT W/O VALIDATION AND CALLED MY DAD 11 TIMES OVER 45 DAYS..
THE COLLECTOR VIOLATED FCRA, FDCPA AND TCPA ALONG WTH COLLECTING ON A ZOMBIE DEBT.
|
| 04/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2020 I received a Debt Collection Notice from Midwest Recovery System : for {$760.00} in my name, originating from XXXX XXXX. It says the loan originated on XX/XX/2020. It was reported on my XXXX credit report under my ssn and had negatively affected my credit score. This loan is NOT mine. I believe I was a victim of a scam or fraud.
|
| 06/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
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.
|
| 08/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX The above referenced company is reporting an outstanding loan in the amount of {$2000.00} with an original creditor XXXX XXXX. I have never requested or acquired this loan and have no idea who XXXX XXXX is. This collection appeared on my credit report as of XX/XX/2018.
|
| 07/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Just checked my credit report on XXXX XXXX and seen an account in collections for a payday loan which I did not take out.
XX/XX/18 Mw Rec Sys {$310.00} Read up on the collection agency and it turns out they're known for payday scams. Also, my bank recently cancelled and reissued my bank card saying my information may have been compromised.
|
| 06/22/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
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.
|
| 10/11/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
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.
|
| 10/11/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
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.
|
| 04/15/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
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.
|
| 12/22/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX SOLD MY ZOMBIE DEBT TO XXXX XXXX XXXX, XXXX AND THEY SOLD IT TO XXXX XXXX XXXX AFTER THE S.O.L. EXPIRED AND WENT ON CREDIT REPORT DURING WHICH TIME WE ARE BUYING A CAR.
THEY FAILED TO SEND VALIDATION LETTER AND ALL PARTIES ARE IN VIOLATION OF THE DODD-FRANK ACT.
SEE ATTACHED..
E-MAIL TO SETTLE OUT SIDE COURT IS ( XXXX )
|
| 07/24/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received nothing in writing for this debt whatsoever or even knew they were going to damage my credit. On top of that ive had this debt removed from my credit report 3 or more times and they keep popping back up under a different collection agency which is illegal. Once i win a dispute its supposed to never pop up on my credit again
|
| 11/23/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
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.
|
| 04/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
This is from XXXX XXXX XXXX , XXXX which is a company I haven't done any business with whatsoever. Midwest Recovery Systems is handling the collection of this unknown account of which they claim I owe XXXX dollars. There have been 38 people that have gotten unknown reporting on their credit report including mine from these companies.
|
| 01/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Midwest Recovery System put a debt collection on my credit report without contacting me about the debt first. The debt on my report is not mine, and I disputed it, and they put it back on my record. This record should not be on my credit report.
I also believe they are calling my place of employment pretending to be somebody else.
|
| 03/09/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
I have a XXXX charge in collections on my credit report that is not mine. I have tried to call the company several times and get a voice mail were I have let numerous messages with no response. I would like this removed from my credit report which is affecting my score. I have never gotten any bills or documentation of this charge.
|
| 04/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I pulled my credit report and came to found a Collection account Whit the name of mid west recovery I have tried talking to them but not getting response I have send my dispute for the bureau and nothing I have also noticed lots of inquiries on my as recant as yesterday which is not mine Please help me get my credit back on track
|
| 08/04/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I logged into my XXXX XXXX this morning trying to keep track of my score because I am in the middle of getting a Mortgage. I noticed Midwest Recovery Systems on my report. In drilling down it says XXXX XXXX as the origional creditor. I have Never had a loan from these people and I do not believe they are legal in my state anyway.
|
| 11/07/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was contacted about 2 months ago by someone claiming I had a payday loan from several years ago ( XXXX? ) that was due. They claimed it was between $ XXXX and it was never paid. The ONLY payday loan I ever took was from XXXX back in XXXX of 2013 for a trip to DC for my anniversary but this was settled and a terrible experience.
|
| 07/18/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a credit monitoring ale rt on XXXX / XXXX /17 that an acco unt with Midwest Recovery Systems was added to my profile. I received no dunning letter from this company regarding the alleged debt. They gave me no opportunity to request debt validation as I have not had any sort of business relationship with this company.
|
| 04/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XXXX XXXX a collection of XXXX was added to my credit reports. Company never notified me through mail, phone or email. Debt just appeared on my credit reports. After filing a complaint midwest recovery systems removed collection. However the debt is now back on my report. XXXX reporting as open. This is not my debt.
|
| 01/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Midwest Recovery Systems placed a collection on my credit reports for a medical bill that I don't recognize. I was never notified by phone or mail about a collection. I disputed the collection, and they put it back on my report. I looked them up and their XXXX rating has been revoked for hundreds of situations similar to mine.
|
| 07/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I sent a certified letter to the company multiple times and tried to call the company to remove the inquiry from my credit report and was informed to contact the company that did the inquiry to have them remove the inquiry from credit report. I contacted the company and was informed by the company to contact the credit bureau.
|
| 12/02/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A collection was added on my credit report from XXXX XXXX XXXX for a payday loan in the amount of {$820.00} from XX/XX/2013 that I did not borrow causing my credit score to go down. I dispute this with XXXX XXXX & XXXX but it is still on my credit report. I tried calling the company, it rings twice and then nothing, dead air.
|
| 11/17/2016 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
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.
|
| 11/22/2016 |
No |
|
- Payment to acct not credited
|
|
Web |
|
|
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.
|
| 05/18/2015 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
On XXXX XXXX, the Midwest Recovery Systems company in XXXX XXXX, MO placed a collection on my credit report stating that I owe {$480.00} from XXXX XXXX. This company called me twice and when I asked for documentation about the collection, they decided to place this collection on my credit report without further notification.
|
| 01/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Recieved payday loan amount of XXXX from. Filed bankruptcy in XX/XX/XXXX and asked rep at XXXX XXXX XXXX would this effect my credit No was her answer and now XX/XX/XXXX this inquiry is there. Midwest recovery was the creditor that was listed on the credit report however I've never heard or been contacted by this company.
|
| 12/08/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I do not know who this debt is from. I do not recognize any of the names, nor did I receive and communication from the debt. What steps do I have to take to get this removed? I believe it is FRAUD! I contacted Midwest Recovery and they sent me a " Final Demand '' Letter that is dated for today. Another way to say " SCAM ''!
|
| 02/12/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
This is old debt that was from 2013. They've bought the debt from clear creek lending in attempts to gain payment. The are threatening to sue for the debt but are unable to substantiate the debt entirely and when I talked to them they threatened to sue me and take my house.
They threatened to sue me and take my property.
|
| 02/11/2017 |
Yes |
|
|
|
Web |
|
|
I notice an unauthorized charge on my credit report from advance america. They claimed I took out a loan in the year XX/XX/2012. I have not taken any loans out during this year or prior. I had a bankruptcy XXXX XXXX I was paying for. This charge on my credit report is not mine.
I can be reach at XXXX. XXXX Thank you XXXX
|
| 06/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
For the past three years I have complained about XXXX XXXX XXXX claiming that I owe money and that without providing proof or trying to contact me, they report this DEBT NOT OWED to my credit report. I never received such notice, bill, or any documents that prove that I owe this debt as I never had any services from them.
|
| 06/14/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
On XXXX / XXXX / XXXX Midwest Recovery Systems recorded a collection with all XXXX CRA 's related to what looks to be a payday loan in XXXX . I contacted the agency and requested proof of the debt and was informed that they did not have any proof. I requested that it be removed and disputed with CRA 's for removal.
|
| 01/18/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
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.
|
| 06/02/2019 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Hi, i have never received any information from this company Midwest Recovery until it showed up on my credit report. I have called the number showing with no connection. Even the credit report shows date of open XX/XX/XXXX with status update on XX/XX/XXXX. Midwest recovery has never contacted me by mail, phone, or email.
|
| 06/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
About a year ago I contacted this company about this debt. I sent written notice that this was not mind I have document this debt was removed. As of two months ago this company has placed this false debt back on me. I do not have a contract with this company, have not gone to any hospital any two months ago, false debt.
|
| 06/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
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.
|
| 08/08/2016 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I pulled my credit report and saw a collection account from Midwestern Recovery for a payday loan debt totaling {$720.00} from XXXX XXXX. I contacted XXXX XXXX XXXX Contact Center who advised I do not have an account from XXXX 2010. I have never received a validation of this debt. It just showed up on my credit report.
|
| 09/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Mid West Recovery is reporting a collections account which is not my account. I only had one account with XXXX account in collections and it is being reported through XXXX XXXX so XXXX is reporting double on my credit report.The account that Mid West Recovery has for {$570.00} does not belong to me it is fraudulent.
|
| 11/07/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
Checked my credit on XX/XX/2016. I have never received a notice from XXXX kendwood services. XXXX has stated that I owed {$670.00} to them. They have sold this debt to a a collection agency called Midwest Recovery System and reported it to the credit bureau. I have never received no confirmation of owning this debt.
|
| 11/07/2016 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Found on my credit report an {$850.00} debt for a payday loan that I never took out. It 's listed as Midwest recovery systems. Now my credit score has plunged and I 'm working hard to rebuild my credit and this happens! Never received ANY information that anything was going against my credit. No paperwork.. nothing.
|
| 07/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midwest Recovery Systems ( " MRS '' ) is attempting to collect a debt that I do not owe. MRS placed a negative inquiry on my XXXX credit report alleging I owe funds to XXXX XXXX XXXX. XXXX XXXX XXXX is not licensed in the State of Maine. XXXX XXXX XXXX attempted to contract a loan with me through fraudulent means.
|
| 11/06/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XXXX I received alerts from both XXXX XXXX and XXXX XXXX that new items were on my credit report. Midwest Recovery Systems reported that I have a collection account on my reports. I do not have any collections, I pay all of my bills on time. I have never received any dunning letter from this company whatsoever.
|
| 09/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Information was placed on my credit file on or about X/XX/2017, related to an unknown account. The information is incomplete and fails to conform with the laws related FCRA.
No notice was given prior to listing, a clear violation of the FDCPA. I have disputed this with the credit bureau and await the resolution.
|
| 06/15/2019 |
No |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
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.
|
| 06/23/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
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
|
| 03/11/2016 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
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,
|
| 11/07/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have ask this company to send me a validation of debt but I have yet to receive one so I dispute thru the credit bureaus instead and they proceeded to place the same debt back onto my credit report twice. This company is so unprofessional and a complete fraud and do not know how to conduct business correctly.
|
| 12/24/2015 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Midwest Recovery System has placed their negative tradeline on my transunion credit report for a debt that is not mine.
The debt is for a bill in the amount of XXXX dollars from the original creditor called XXXX XXXX??
According to the tradeline it states the debt was made around 2011 and its a payday loan??
|
| 07/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I disputed this same account with a company called Midwest Recovery Systems, and it looks like the same company has just changed names and put it back on my credit reports. They changed the name to XXXX and reporting the exact same account and amount, after removing it under the name Midwest Recovery Systems.
|
| 01/03/2017 |
Yes |
|
|
|
Web |
Servicemember |
|
A collection action appeared on my credit bureau file today for Midwest Recoveries for {$760.00} for a 2012 loan that I did not apply for or receive. Today is the first time I have heard of this. The phone number on the file prompted me to call and I spoke with XXXX that said he received it from attorney XXXX
|
| 08/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
|
| 03/08/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX has repeatedly sold a settled debt to multiple debt collection services. The debt was acquired XX/XX/XXXX and settled XX/XX/XXXX. The most recent collection agency has called making threats to myself, my employer, and my family members.
Midwest Recovery Systems is the current debt collector.
|
| 01/19/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XXXX XXXX SOLD MY DEBT TO XXXX XXXX XXXX, TO WHOM SOLD TO XXXX AND FINALLY MIDWEST RECOVERY SYSTEMS, TO WHOM SETTLE FOR . AND THEY KEEPING CALLINGS AND SHOW UP ON XXXX AGAIN. STOP CALLING MY MOTHER XXXX XXXX XXXX AT CELL.THEY KEEP VIOLATING " THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT ''.
|
| 03/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Midwest Recovery Systems has placed information on my credit file for an amount of {$300.00}. I have never had a loan with this company and reported it as fraud 6 years ago. This debt has reappeared on my file without notice or reason especially since the statute of limitations for alleged debt has exceeded
|
| 09/12/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
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!!
|
| 01/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
As of XX/XX/2019, my XXXX credit report shows a debt collection from Midwest Recovery Systems in the amount of {$890.00}. I do not know what this is for. I've not been notified via phone call or mail that I owe this amount and to whom. My credit score has dropped significantly due to this erroneous data.
|
| 08/25/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I received a collection on my credit report in the amount of {$560.00} from a debt collector called Midwest Recovery Systems for a loan that they say I applied for this year. The problem is that I never applied for a loan with this company at all this year and I want them to remove it as soon as possible.
|
| 01/21/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
A collections showed up on my credit report from Midwest Recovery Systems. It says it's for a pay day loan. I have no information on this. I have no idea what it is. I don't owe for a payday loan from " XXXX XXXX XXXX ''. I have disputed it on my credit report, but I don't know how to reach this company.
|
| 06/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received an alert that this company has reported a collection account on my credit.
I have not received a dunning letter or any type of communication regarding this debt. This company needs to follow the proper debt collection protocol prior to adding an account to my credit without proper validation.
|
| 06/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Debt Collector is a third party asset buyer. They are not the real party in interest to this debt. I did not receive and benefit from this debt collector involving this debt. I do not a contract with this debt collector to collect this debt. I do not have a duty to pay this debt collector for this debt.
|
| 02/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
This loan was paid in full in 2013. We have numerous Companies attempting to collect the same debt. The calls are endless, harrassing, threatening and unacceptable. They are claiming to be collecting for XXXX XXXX XXXXThey are calling Family members of mine. Stop breaching my right to financial privacy.
|
| 06/09/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Midwest recovery company name is XXXX XXXX XXXX XXXX. Company trying to collect debt that I did over 8 years ago because recently I tried for a loan at company and they denied me cuz of past loan I had with them that I didnt realize I did. Account was already closed until recently reopened from company
|
| 04/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/2018 Midwest Recovery Systems reported a debt of {$450.00} to my credit report. I do not nor have I ever held any account with said company. This company did not notify me in writing of any debt that I have with them Furthermore, this company is not licensed to collect in the state of Texas.
|
| 04/19/2017 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I HAVE BEEN RECEIVING CALLS FOR THE LAST 3-4 YEARS ABOUT THIS DEBT. EACH TIME I ASK TO BE SENT PROOF THAT I OWE THIS DEBT AND I NEVER RECEIVE IT, THEY JUST KEEP MOVING IT TO DIFFERENT COLLECTION AGENCIES AND THEN THE CALL START OVER.ITS BEEN MANY YEARS AND STILL NO PROOF EXIST THAT I OWE THIS DEBT.
|
| 07/16/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
MIDWEST RECOVERY SYSTEMS has placed a collection on my account for an old loan from XXXX XXXX in XXXX, the load went into default the same year. They are reaging this debt with a XX/XX/XXXX date, which is totally false. They also have a false delinquent date of XX/XX/XXXX which is totally erroneous.
|
| 04/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/2018Midwest Recovery Systems reported a debt of {$450.00} to my credit report. I do not nor have I ever held any account with said company. This company did not notify me in writing of any debt that I have with them Furthermore, this company is not licensed to collect in the state of Texas.
|
| 11/14/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Over the weekend, I received alerts that a new collection account was added to both my XXXX and XXXX credit profiles. When I checked the alerts, it showed that MIDWEST RECOVERY SYSTEMS had added the collection account but I never received any notification concerning this, which I believe is illegal.
|
| 12/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
There is a negative collections on my account that I am unaware of : Collections Co : Midwest Recovery System Original Creditor : XXXX XXXX XXXX Date of first Delinsquency : XX/XX/XXXX Date of Assigned to Collections : XX/XX/XXXX Amount owed : {$120.00} This is the first action that I have taken.
|
| 05/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Midwest RCVY- no w shows a derogatory account on my credit report. I have never once been contacted by this company. I have done research showing hundreds of cases where this company has billed for payday loans. I have never in my life used a service like this or done business with this company.
|
| 07/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I am still waiting on XXXX to fix another problem with a 25 year old issue thats showing up on my report thats not mine and today theres something on my report that has no information of where it came from, when it was opened, who opened it, and I have NEVER taken out a payday loan in my life!
|
| 12/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This Midwest Recovery Systems has sent me letters and even mentioned to me that they did not have an active record on me, but yet they keep reporting to the credit buearus that I owe a debt to them.
I have never done business with these people and dont know where they even got my information.
|
| 09/14/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Older American |
|
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.
|
| 04/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I monitor my credit reports carefully and a collection from this company called Midwest Recovery Systems is claiming I owe them {$1000.00}. I have never heard of this company and they've reporting this debt to my credit file with the 3 major bureaus, very negatively effecting my credit score.
|
| 10/23/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
They called me at work several times wanting payment after being 1 day late. I repeatedly told them not to contact me at work.
Now they have past it off to a creditor who has suddenly reported it to my credit with no Notice. I don't believe I owe them any money as they harassed me at work.
|
| 05/18/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
XXXX XXXX XXXX XXXX was the original creditor for a pay day loan i had in XX/XX/XXXX, the new owner of this zombie debt MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, re-aged this debt to XX/XX/XXXX. In an attempt to keep this debt alive and on my credit report.
|
| 03/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
contacted this company Midwest Recovery System in regards to a collection account advised them that this was not my account they sent me an invoice that doesnt show validation of this debt belonging to me. i have asked to have this removed from my credit report as it is showing negatively.
|
| 05/26/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Submitted complaint on XX/XX/20 about a collection being placed on my credit report. I was never given the option to dispute before it was on my report. I requested debt validation and never received the validation after 30 days. This should be removed as they failed to verify in 30 days.
|
| 07/13/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
I monitor my credit report, more frequently now as we 're attempting to buy our first house. A collection notice was filed for the amount of {$3900.00}. We have received no notification of this debt, no verification of this debt, and consequently no notice of right to dispute this debt.
|
| 07/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I called the collection agency and was told I have a debt for lumbar back problem for going to the hospital they gave me the date of me being on XXXX XXXX covered under XXXX XXXX XXXX XXXX which pays 100 % and I never went to a hospital in XXXX about a back. Problem during these dates
|
| 01/31/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I contacted Midwest Recovery Systems on the beginning of XXXX to resolve an old 10yr old debt of {$960.00}. The company advised me the debt was to be removed from my credit. The debt is still on my account, and Midwest Recovery will not respond to any further attempts to contact them.
|
| 07/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
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.
|
| 03/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I never received notice of this bill I was check my credit on XXXX and saw this medical bill from : MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Opened XX/XX/2017 ( 3 mos ) Placed for collection Original Creditor Name XXXX MEDICAL CENTER
|
| 09/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Collection amount of {$360.00} from Midwest Recovery Org. creditor XXXX XXXX not sure what this is for ... I am a current XXXX XXXX XXXX XXXX season pass holder for my daughter who is still at home.
Had the pass since 2013 over the years and taken kids off as they moved to college.
|
| 10/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
If this is not removed from my credit I will be suing them for violation of the XXXX. I have never done business with midwest recovery for XXXX flags and never received any notices. They have put a collection on all XXXX of my credit bureus. I request this to be removed immediately.
|
| 11/09/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
The collection agency added to collections to my credit report on XX/XX/XXXX. I file bankruptcy XX/XX/XXXX and everything was cleared. All items were removed from my credit reports and I have been one monitoring them and this company has never appeared and is now adding as new items
|
| 01/17/2017 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Pulled my annual credit report and show this collection agency is reporting me for a XXXX great adventure account. I never authorized any XXXX account. I called this agency asking for proof, the collection rep laughed at me and put me on hold for a half an hour. This is ridiculous.
|
| 11/08/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Midwest Recovery Systems have placed a collections account on my credit report. I have never had an account with them and I do n't know what this collection is for. I 've never receive any information regarding this account and would like for it to be removed from my credit report.
|
| 03/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
The credit agency reporting it on my credit report is XXXX XXXX XXXX XXXX But the original creditor is XXXX XXXX XXXX XXXX This was not me, I XXXX it and it said that it was a emergency room in XXXX Louisiana I live in Texas, I have never even been to XXXX before. This was not me.
|
| 04/21/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Multiple requests have been made to MIDWEST RECOVERY SYSTEMS , LLC for p roof of debt required by federal law, but the company has refused to submit proof in writing. They continue to report a 7 year old debt to credit reporting agencies, but they will not provide verification.
|
| 04/01/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Midwest Recovery Systems is attempting to collect on a debt that I had already paid in full in XXXX of 2017. And I have received harrassing phone calls saying that they were going to report to the credit bureau or serve me. Please see attached receipt of when it was paid in full
|
| 04/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There is an issue with a derogatory mark/account on my credit report that inaccurate. This was not means I have no knowledge of who/where/how this appeared on my report. I attempted to dispute the error and received a reply that the information is accurate ; it is NOT accurate.
|
| 11/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Field a dispute around XX/2017 about a collection that is not mines company said it was mines and that it 's going to stay on my credit report I disputed this collection with XXXX and removed it but they will not removed from my XXXX.I would like to have this collection removed
|
| 04/10/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
I filed a dispute with XXXX weeks ago against Midwest recovery never had a pay day loan and I believe someone stole my identity. I 'm in the middle of a getting approved for a house and than this happens please help. It lowered my credit score by XXXX points and it 's not mine.
|
| 09/10/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
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.
|
| 05/12/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
Im affiliated with the armed forces and really dont event qualify for a payday loan not to mention I was a victim of identity theft and have no knowledge of this debt please remove from my credit report immediately or I have to file a civil suit for defamation of my character.
|
| 06/28/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
A collection just showed up on my credit report. I have never taken out a pay day loan. Date opened is unknown. The collection company is Midwest Recovery Systems. I have disputed on my credit report through XXXX. I do not have anything negative on my credit report until this.
|
| 03/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX I received notice from XXXX that a derogatory XXXX was places on my XXXX and XXXX reports from XXXX XXXX XXXX for a payday loan from XX/XX/XXXX in the amount of {$460.00}. I have never received any communication from this company and I have no knowledge of this.
|
| 01/12/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I noticed on all XXXX of my credit reports that there is a collection from XXXX that i have no knowledge of, have never dealt with them before, and believe its due to an identity theft. I want this collection removed and to not report again or i will be seeking further action.
|
| 07/22/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
This company took a debt which was previously removed and deemed fraudulent back in 2018. This company re-aged the debt as new on my credit report, didnt validate the information and didnt give me time to dispute before entering this debt back on my credit report.
Last XXXX
|
| 11/06/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I received a notice from XXXX on a new collections account appearing on my XXXX credit report.
1. I know nothing about this debt 2. I was never notified in writing prior to this debt collector being put on my credit report 3.I never had an account with the original creditor
|
| 07/15/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
on XXXX XXXX I was notified that a collection was put on my credit report from a company i don't know. i have never been contacted by phone. letter. or in person by this company. there is no amount stated. I want this removed from my credit report it is doing me great harm,
|
| 09/30/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
i have never done business with XXXX XXXX XXXX and they turned me into collections for XXXX to, Midwest Recovery, also midwest recovery is trying to get money out of me for a loan of XXXX which i have never inquired or received, as someone fruadgenltly assumed my identy,,,
|
| 02/14/2019 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
I DONT HAVE OR TAKE OUT A LOAN, I HAVE REQUESTED DOCUMENTS TO VALIDATE THE LOAN, I AM NEVER RECEIVING THE REQUESTED INFORMATION. THIS IS A STRESS ON MY HEALTH AND I ASKED FOR THE ASSISTANCE TO GET THE REQUIRED INFORMATION SENT ALONG WITH REQUESTED DOCUMENTS TO CONFIRM LOAN
|
| 06/12/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is the second time i submit a complaint against the company demanding to remove the account in collection from my credit report ... i have no ownership of this accounts ... i want the company to review their files and match my ssn against the ssn they have on file ...
|
| 07/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Creditor sold account to multiple collection agencies and collection agencies may have sold account to other collection agencies. I've been getting harassed. I paid off the debt to a collection agency, but multiple collection agencies continue to contact me over the debt.
|
| 02/14/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
looked at my credit report found XXXX XXXX XXXX XXXX XXXX XXXX. I never have had a card or banked with them. No letter has been sent nor inquire has been made to see if this debt is actually mine. There is no information on this account as well such as account number ect.
|
| 12/22/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Midwest Recovery Systems is attempting to collect on behalf of XXXX. This is a FRAUDULENT claim on my credit report. This is NOT my loan/charge. Midwest Recovery has not provided proof and continues to claim the information on my XXXX credit report is correct ; it is not.
|
| 03/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been a victim of identity theft. Midwest Recovery Systems has reported an account on my credit reports that do not belong to me for the amount of {$190.00}. This does not belong to me. I was never contacted by this company about this and I have no knowledge of it.
|
| 01/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was not aware, until I looked at my credit report, about this debt. I sent the debt collector documents to prove their claim and fill out the disclosure statement. I have not heard back from then and they still have me listed on my credit report and will not remove it.
|
| 03/25/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Midwest recovery did not send me a letter regarding this with XXXX. This is over 4 years old and they can't try to collect or put it on my credit file and here they did without giving me a chance to dispute it. I don't think its right for them to treat people like this
|
| 07/24/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
As I am not admitting to this dept, this was added to credit report in XXXX of 2020.
I have not done any transactions with XXXX XXXX - ( MIDWEST RECOVERY ) AT ANYTIME IN OVER TEN YEARS.
THIS IS ANY EXAMPLE OF OF RE AGING A DEPT, LONG AFTER STATUE OF LIMITATIONS.
|
| 05/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I never received a call, letter or notification from this company. All of a sudden it popped up on all 3 of my credit reports. Called them and asked to explain no response phone call dropped no answer when I called back to see what this is about. Last week XX/XX/2020
|
| 02/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have paid my final balance with XXXX XXXX and they have said they have requested in XXXX of XX/XX/XXXX to remove the account from my credit report but as of XX/XX/2017 it has still been showing. please rectify the removal of this from my credit report as promised.
|
| 01/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Previously filed a complaint and requested a debt validation- it has been 30 days and the company has yet to be able to validate the debt.
Per 809. Validation of debts ( 15 USC 1692g ) the company is in violation. Please delete from all 3 credit bureaus immediately.
|
| 12/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Upon checking my credit report across all three CRAs post-chapter XXXX bankruptcy filing, this company continues to report an account from XXXX as open and derogatory. They were listed and included on the creditor XXXX at the time of filing which was XXXX XXXX, XXXX.
|
| 07/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
This account is extremely old. It is past the time frame to be reported on my credit report. This item is at least 10 years old yet it appears as a new account for 2019. This is fraudulent and is ruining my credit. This item needs to be deleted as soon as possible.
|
| 04/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
XX/XX/2017 I was hospitalized due to old military XXXX XXXX issues I was un aware va would not cover the hospital visits I have tried to work with the company and the va and I just am going threw medical issues and financial Hardship at this time and can not pay.
|
| 10/01/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
Out of no where this debt collection shows up on my XXXX credit report. I am a victim of a natural diaster Hurricane Katrina. XXXX investigated this from XXXX XXXX XXXX and removed it from my account. The very next month they began reporting it on my XXXX report.
|
| 06/27/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Contacted the company on XXXX/XXXX/XXXX to dispute no contract signed with company, this company is not licensed to collect debt in Michigan. I need this removed from my credit report. No Midwest Recovery located XXXX XXXX XXXX, MO can collect debt in Michigan.
|
| 12/12/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Despite filing XXXX with CFPB and no valid verification being provided as to the origination of this alleged debt ( no signature bearing documentation provided, or ANY documentation ), this Midwest Recovery Systems entry continues to remain on my credit report.
|
| 01/03/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX tried to collect for a debt from XX/XX/2011. The debt was sent to Midwest Recovery. This account is too old to be reported, and it is also not my account. I recieved no communication from Midwest Recovery on it. They put the info on my credit report.
|
| 03/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Based on previous CFPB XXXX, Midwest Recovery systems stated to the CFPB that they would delete any entries and accounts pertaining to me as this is not my account and they were unable to verify in the legal time frame. Nor have I received any documentations.
|
| 08/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
While checking my credit reports I noticed a collection from Midwest Recovery Syestems. This is not my debt and I have n't heard from Midwest at all concerning this unverified debt. This violation of my rights has caused stress and damage to my credit report.
|
| 07/21/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
There is a collection on my credit reports for Midwest Recovery Systems for {$770.00}. It was opened XXXX XXXX, 2016. I have no knowledge of this account. Also I am a resident of North Carolina. This company is not bonded nor licensed to collect debt in NC.
|
| 06/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
Midwest Recovery Services, are representing " XXXX XXXX XXXX, and they are putting Short Term Loans Accounts, as Medical/Health Accounts, on Credit Reports. '' I tried to call them and got an agent on the line, and our conversation turned into an argument.
|
| 11/08/2016 |
No |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
So on XXXX XXXX 2016, I login in to my XXXX and this debt shows up stating I owed XXXX from XXXX. 1St of all I have never heard of this company. 2Nd I have never received anything about a debt from the original creditor or the 3rd party collection agency.
|
| 03/23/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hi my name is XXXX XXXX XXXX. I have never done business with Midwest Recovery Systems. I do not have a signed contract nor any type of contract with Midwest Recovery Systems. I have the right to demand to see between Midwest Recovery Systems and myself.
|
| 06/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Midwest recovery systems is reporting on my XXXX report that I dont have any knowledge of, please show me validation of debt with bearing signature with my name. If not please remove and delete if you cant provide me with it documentation with in 30 days
|
| 03/23/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
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
|
| 05/14/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
they have called threatened harassed, had some guy call me and my wifes phone threatened, told us not to sue or we will lose. i sent them a letter of validation of debt no response in proof that i owe alleged debt. they just threatened and harassed more
|
| 05/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Mid west recovery systems claims this loan was opened XX/XX/2017 but its actually a lot older then that. So old I forgot when I opened that pay day loan. I was never contacted in an attempt to collect the debt owed because if I was I would have paid it.
|
| 03/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I checked my credit report and out of no where I have this collection in my report from " Midwest Recovery Sys '' opened XX/XX/2019 for {$1400.00}. I have never had any business of any kind or service with this company. I do not recognize this account.
|
| 11/07/2016 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Got an alert from credit monitoring for a new collection account Midwest Recovery Systems for a supposed payday loan account that I never took out for {$760.00}. I received no debt validation in the mail and do not know who this is or what it 's for.
|
| 07/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Unverified and Unauthorized on my credit report, I've been disputing with this account for 2 months however they refuse to remove it and now I'm coming to you guys to resolve this problem. It should be a fair resolution to this issue, thank you!
|
| 03/23/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a response from the collection agency that they have ceased making contact with me but I just received another call. These egregious collection efforts for invalidated/paid debt need to stop. Otherwise I will seek punitive damages!!!!
|
| 09/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Midwest Recovery just reported a {$160.00} collection balance on my credit report. Prior to the appearance of this account on my credit report, I did not receive my notice of my right to dispute, which is a violation of federal collection law.
|
| 12/11/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I checked my cred it report and it now shows a debt from a collection company I have no knowledge of this debt that is in the amount of {$350.00}. The original creditor was XXXX and it is indicating that the the debt was made in XX/XX/2015???
|
| 08/20/2019 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
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
|
| 09/20/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Company contacted me on a medical debt. I advised that it had surpassed it statute of limitations and I do not owe the money for several reasons. Caller said " we are reporting this to your credit bureaus and this will effect your credit ''
|
| 03/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Third part debt collector do not have the authority to collect this debt on behalf of the original creditor. I have no contract with the collection agency and I have never received any benefit from the collection agency regarding this debt.
|
| 12/31/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of fraud from this company. They have made a report on my credit report file. I am unaware and did not open any accounts. This has caused my credit scores to drastically fall. This is a scam company collecting fraudlent debts.
|
| 06/14/2019 |
No |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
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.
|
| 11/15/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/2017 -- {$440.00} I received an email that something was added to my credit report. so, I logged my CR and this company added this collection. I disputed it and they sent me a validation letter on XX/XX/2017 with amount owed {$0.00}.
|
| 03/15/2016 |
No |
|
|
|
Web |
|
|
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
|
| 07/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Put a collection account on my credit that is not mine. I want to see the original documentation. I never signed for a Pay day loan. Also have gotten calls from this company threatening me. I want this removed from my account immediately.
|
| 07/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Midwest Recovery Systems keeps renewing the debt. The last activity on the debt was in XXXX. At the time the debt should have cleared from my credit, Midwest Recovery renewed the debt and shows it as a new account that is in collections.
|
| 11/10/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I got a ding on my credit report from the XXXX bureaus of a debt collection from Midwest Recovery Systems. I do not know the company and I did not get any notice before they put a collection on my credit report. I do not do payday loan.
|
| 03/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On the XXXX day of XX/XX/2020, I received a notification on my credit score tracker that I was in debt with a company that Ive never heard of. Ive never received a letter, phone call, or any other method of this debt collector company.
|
| 11/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Good Afternoon, This company continues to appear and list on my credit report. I have repeatedly inquired to no avail. Midwest Recovery listed twice two different companies with two different amounts. XXXX XXXX? They dont belong to me.
|
| 11/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Good Afternoon, This company continues to appear and list on my credit report. I have repeatedly inquired to no avail. Midwest Recovery listed twice two different companies with two different amounts. XXXX XXXX? They dont belong to me.
|
| 04/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midwest recovery systems showed up on my credit report in XX/XX/XXXX for {$1200.00} from XX/XX/XXXX I have not lived in Missouri for over 15 yrs. and I have no outstanding debts in Missouri. I want this removed from the credit bearau.
|
| 02/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
amount {$1000.00} I have never done business with Midwest Recovery Systems. I do not have a signed contract with Midwest Recovery Systems. I have the right to demand to see a signed contract between Midwest Recovery Systems and myself
|
| 11/10/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Midwest Recovery showed up as a collection account on my credit reports collecting for a company by the name of XXXX. Midwest reported this to the credit bureaus without validating the debt with me or giving me a chance to dispute it.
|
| 11/09/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was notified by XXXX that a new account was placed in collections. Opened in XX/XX/2016 and placed in collections XX/XX/2016 for {$810.00}. I have not applied for a payday loan nor has any money been deposited into my bank account.
|
| 12/14/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midwest recovery systems is reporting a pay day loan that is was never mine. I have received phone calls that are breaking the law and threatening. I reported to the federal trade commission. I want this removed immediately!!!!!!!!!
|
| 08/19/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Creditor agreed to remove my collection once paid. Attached is an email from collection agency that I am no longer liable. I have disputed several times with the credit reporting agency and the account still has not been removes.
|
| 06/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I check my credit report every week. I noticed my score dropped and this company is on my credit report stating that I owe over {$1200.00} to XXXX XXXX XXXX XXXX. I have never received a letter or phone call from this company.
|
| 02/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Midwest recovery systems is reporting a balance of {$580.00} on my account on XX/XX/20. I don't owe any debt to this company and was never notified in writing by this company of any debt owed, directly in violation of the FCRA.
|
| 04/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2018, I submitted a complaint with your company regarding MIDWEST RECOVERY SYSTEMS. The company is in VIOLATION because they are still reporting COLLECTION activity on my credit file. ( please see page 1 of evidence ).
|
| 04/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
MIDWEST RECOVERY SYSTEMS, LLC Last reported : XX/XX/2019 I have tried to dispute this with XXXX and have disputed this with XXXX.
I have never dealt with XXXX XXXX XXXX.
I have not gotten any notification from this company.
|
| 06/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
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
|
| 07/15/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
this is not my debt, this debt was never verified and put on my credit report. I called the company, they have no verification of this debt, never contacted me at all. I need this removed immediately its false information
|
| 05/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I have a delinquent account that has shown up in my credit report from XXXX of XXXX and XXXX of XXXX that's from different recovery companies but the same original company that I have know idea when I used there services.
|
| 02/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Midwest Recovery Systems reported a six year old debt on my credit history after it was removed previously in XX/XX/2018 after being disputed on my credit report. I demand removal of this negative information immediately.
|
| 07/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midwest recovery has called me twice they will not tell me what the debt is. They are demanding my SSN and dob. I repeatedly told them no. And they keep calling. I don't have any outstanding debts that I am not aware of.
|
| 05/30/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2019 it says that I applied for a loan and bows it went to collections. The amount is XXXX I never applied for the loan. Someone stole my social security number and are using my name. I want this to stopped now.
|
| 08/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have never done business with this company ( Midwest Recovery Systems ). I do not have any contracts with this company. I have the right to demand to see a signed contract between myself and Midwest Recovery Systems.
|
| 07/29/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Noticed a large decrease in my credit score and noticed a new collection from Midwest Recovery Systems trying to collect a debt for XXXX XXXX XXXX. Ive never had a payday loan & know this account does not belong to me.
|
| 02/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This collection account was placed on my credit however, I've never applied for credit with this company as they stated it was within the last year. I was just informed via XXXX XXXX of this change to my credit account
|
| 03/10/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Midwest Recovery violated the FDCPA. My sister was called today and was told I had check fraud in XXXX County. She was told to give me the number XXXX. I haven't received any mail or phone calls regarding their claim.
|
| 09/18/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
These debt are not mine. They seem like they maybe payday loan and I have never take a payday loan. They will not mail me any information and all this was via phone calls. XXXX XXXX XXXX XXXX Midwest Recovery Systems
|
| 12/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Midwest Recovery Systems, XXXX, posted a trade line on credit reporting agencies for a debt not owed to XXXX. Midwest Recovery Systems, XXXX, did not send a letter to dispute this debt. This is a zombie debt not owed.
|
| 11/07/2016 |
No |
|
|
|
Web |
Servicemember |
|
I 've never applied for a pay day loan, nor have i ever recieved one. this is being reported on my credit reports just received notice today and i want it removed.this is fraud and i should n't have to deal with this.
|
| 01/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
There is a debt on my report im not aware of, have NOT received any contact on and this is from XX/XX/2011 so its beyond to old to be placed on my account. Another fraudulent collextion agency doing illegal practices
|
| 12/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
False information on credit report with XXXX. They did n't remove it but the debt is not mine, never has been. No contact has ever been made by by the company -- -scam. Midwest recovery systems needs to remove this.
|
| 07/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have tried several times to have Midwest Recovery Systems located at XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX to send me a complete verification of debt. onto this date I have not receive any documentation from them.
|
| 04/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2020, my credit score dropped due to a new derogatory account being added. This account was a charge-off that I never received any notice of whatsoever, and have no clear idea of what the original debt is.
|
| 05/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2019 - Negative account added to credit report from Midwest Recovery Systems. I have never heard of this company, nor had any correspondence with them. This is not a debt I owe anyone and is false reporting.
|
| 12/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Midw est Recovery Systems XXXX. XXXX XXXX XXXX, MO XXXX Balance {$2100.00} Has negatively reported on my credit report for the passed 5 months with no verification impairing me from using my credit properly.
]
|
| 11/16/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
The individuals are presenting themselves as an attorney and are bombarding my geriatric parents with threatening messages via telephone. The reported on a message to my parent 's they would contact my employer.
|
| 12/15/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Have received multiple telephone calls, and now a negative listing on my credit report, regarding a payday loan for {$2000.00} through XXXX allegedly taken out in XX/XX/2013. I did n't take out this payday loan.
|
| 06/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I noticed that Midwest Recovery System has reported a collection debt on my credit report as of XX/XX/2020. I have no knowledge of this debt and have never used XXXX XXXX, which is list as the original company.
|
| 05/31/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Pulled my credit report this morning XXXX / XXXX / 17 and saw a collection reported by this company XXXX / XXXX / 2017 . I dont know who they and why they are reporting this to the credit reporting agencies.
|
| 09/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
The report on my credit report by collections is fraudulent i never saw a doctor and charge {$1000.00}. collection company hung up on me and never gave me details. XXXX XXXX XXXX is the company that called me
|
| 08/02/2018 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Midwest Recovery Systems just showed up on my credit report as a collection. I have never heard of this people, don't know who they are and they have never contacted me. Please remove from my credit reports.
|
| 06/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2020, I received an alert from XXXX that {$1600.00} debt was placed on my XXXX credit report by Midwest Recovery Systems. Have no idea what for, never received notice of debt or right to dispute.
|
| 05/31/2019 |
No |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Derogatory mark appeared on my credit report from MIDWEST RECOVERY SYSTEMS to the tune of {$350.00}. No prior notice or contact was received from any company, no verification of the debt was even attempted.
|
| 10/29/2016 |
Yes |
|
|
|
Web |
|
|
On XX/XX/2016 a collection appeared on my XXXX credit report for midwest recovery sysyems for a balance of {$790.00}. This is not an expense I have incurred and I have receiced no paperwork on this matter.
|
| 11/13/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I never signed any contract or agreement to pay this creditor, nor is this a debt owed. This debt was paid and still placed on my credit profile. Then it was removed and replaced back on by this creditor.
|
| 01/04/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Someone committed fraud by using my name and collected these online payday loan my husband took off to Alaska, now I left clearing up my credit,, my lawyer XXXX XXXX in XXXX, Ohio if you need to contact
|
| 12/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I have no information or details on the debt the have sent into collections as I have never been notified of this debt. There is a debt of {$970.00} on my credit report and I don't know what it is for.
|
| 10/15/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX According to the Secretary of State Debt Collector Search website, this company does not have an active Texas bonding company.
|
| 05/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Alleged account is from an address I did not reside at in 2013. Also in accordance with Maine statutes, this account is too old for credit reporting, The account is being reported beyond the statutes.
|
| 11/18/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
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.
|
| 03/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Midwest Recovery Systems is in violation of my HIPPA rights. I reached out to the company over 30 days ago and no response. I requested validation of the alleged debt and haven't received anything.
|
| 10/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not owe this bill. Someone opened this account. wallet and id stolen 2016. I informed the agency to remove this off my credit. which the have never sent me a letter or anything of the source.
|
| 02/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
When I first noticed this collection on my credit report, I immediately disputed it due to the fact that I have No knowledge of it. The credit bureaus has not yet removed the items from my report.
|
| 03/23/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I do not owe a balance with XXXX XXXX XXXX XXXX which Midwest Recovery is attempting to collect on behalf of. My son was recently seen as indicated on the receipt and the account is up to date.
|
| 11/07/2016 |
No |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
Getting repeated calls on cell and at work from an unknown source not willing to disclose pertinent information. When the calls started derogatory information was placed on my credit report.
|
| 08/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Someone elses last name keeps popping up on my credit report and bank account, dont know why or what is happening!
It shows my first name with another last name and my name listed as XXXX
|
| 04/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is a collection that just appeared on my credit file through MIDWEST RECOVERY SYSTEMS collecting for XXXX XXXX, I have never had an account with XXXX XXXX. this is fraud. Please help
|
| 01/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
Midwest recovery systems is fraud Im on full medical with medicare and medicaid I have XXXX XXXX. My doctors are aware of this false debt that I dont owe. I request its moved immediatley.
|
| 06/14/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
XX/XX/2018 My work was called regarding a debt that I have. I have never given them this contact information and have called them before and asked them to stop calling my family members.
|
| 07/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Midwest recovery system is reporting on an account on my report that doesnt specify what account and time that it was established that I have no knowledge of in the amount of {$420.00}.
|
| 04/27/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I filed a dispute through XXXX XXXX XXXX XXXX XXXX 2017 but i also did my own work and came across that this company is not bonded in the state of texas to collect debt.
|
| 06/25/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX has posted collections entries to all 3 credit bureau '' s without aquiring proof of legitimate debt. It is also made duplicate entries on my XXXX Credit report.
|
| 03/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
As of my knowledge, collector attempting to illegally collect the debt which I do not owe.
Letter requesting validation of the debt will be send via certified and first class mail.
|
| 09/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Midwest Recovery was supposed to remove this fraudulent trade as of XX/XX/XXXX per their response. It has been removed from all CRAs with the exception of XXXX. Please remove ASAP!
|
| 11/07/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
A collection was reported to my credit file on XXXX XXXX. This is not my account and I do not have knowledge of such account. I called the numbr listed and its a fraudulent number.
|
| 03/25/2017 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
The company Midwest Recovery is making claims of taking me to jail and sending a Marshall to my job and home if I do not pay. I never took out a loan with the Midwest Recovery.
|
| 01/19/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
ONCE AGAIN MIDWEST RE-INSERTED THEIR ACCOUNT BACK INTO MY XXXX CREDIT REPORT AGAIN! WE HAD A SETTLEMENT AGREEMENT NOT TOO! ALSO COLLECTING ON ZOMBIE DEBT 6 YEARS IN ARKANSAS.
|
| 08/08/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I don't know who the original creditors are not these companies that are reporting on my credit. I've reached out several times and they still will not remove these accounts
|
| 12/24/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I had a notification today about a collection for this company. Never did i get anything about this debt and then it pops up on my credit report. No letter no phone calls.
|
| 08/28/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I called the collection agency and was told that the medical bill was for someone other than myself, so I advised to remove this from my credit because its not be clearly.
|
| 07/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Midwest Recovery Systems is reporting a debt balance of {$77.00} for an account I have no knowledge of. I have requested a validation of debt that I have yet to receive.
|
| 07/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I checked my credit report and this company is trying to collect a dept that i have no knowledge of i have never signed a contract with this company nor its affiliates
|
| 02/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Voicemail from ( XXXX ) XXXX " We have an important message from Midwest Recovery Systems. This is a call from a debt collector. Please call XXXX. '' Go to XXXX XXXX >
|
| 02/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX and midwest recovery systems has put a derogatory mark on my credit report and alleging that I owe XXXX which I have not use this business for any purposes.
|
| 11/19/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
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!
|
| 11/13/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This company showed up on my credit report trying to report on a title loan through XXXX XXXX from 2015. It reported as new. Title loans do not go on credit reports
|
| 07/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
XXXX XXXX XXXX XXXXXXXX is reporting two accounts to my credit report that are not mine and I have been asking for proof that those are my account and never got them
|
| 05/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Debt for {$1600.00}, i have no idea what this is or who did this ... this is not my account, Ive already reported with the XXXX ... planning to also contact a lawyer
|
| 01/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
hippa and cra violation of my rights Collections Midwest Recovery Systems not mine sent police report no knowledge of account police report was sent to XXXX and XXXX
|
| 08/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I am receiving harassing calls from Midwest Recovery for a debt that is not mine and they put something on my creditr report. I have contacted an attorney as well.
|
| 01/25/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Midwest Recovery Systems refuses to verify the debt that they are dinging me on my credit reports. They simply will not verify the debt, yet my credit is affected.
|
| 03/20/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have tried to contact the company via mail on 3 occasions and no response. They call and threaten me with lawsuit but when I ask for proof of debt they hang up.
|
| 01/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have no idea who midwest recovery systems are. They pulled my credit report without authorization. Scammers? I do not have bad debt or any collection accounts.
|
| 07/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I placed a dispute with Midwest recovery about the account covered by insurance showing as a negative account in collections on all three of my credit reports.
|
| 02/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I checked my credit and saw an account from Midwest Recovery for {$220.00}. Not sure where it originated from but Im willing to settle the debt to be deleted.
|
| 01/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have a derogatory mark on my credit report by Midwest recovery systems. For XXXX dollars. I have never heard of this and it dropped my credit by 40 points!!
|
| 02/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The collection agency, Midwest Recovery Systems, was added to my credit report on XX/XX/2018. The debt or the account with the original creditor isnt mines.
|
| 11/12/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Midwest recovery systems has placed a fraudulent collection claim on my credit report for a supposed loan which I did n't not received .I want this removed!
|
| 02/28/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Midwest reported to my credit I owe a debt from a pay day loan I am a victim of ID theft and never borrowed pay day loan for the company Midwest represents
|
| 05/30/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Negative derogatory marks has been placed on my credit file from a collection agency and is now damaging my credit ... i have no ownership of such debt ...
|
| 11/11/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX XXXX XXXX XXXX sent a false collection to Midwest Recovery System. Collection now hit my credit reports even though I never had any knowledge of this.
|
| 07/01/2018 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
MIDWEST RECOVERY SYSTEMS, Reported to all three credit bureaus a debt of $ XXXX.I have never been in contact with this company nor have they contacted me.
|
| 10/21/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I paid XXXX financial to take care of this. The company never did send me a bill and the company that put it on my report was not the original company..
|
| 11/22/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
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.
|
| 02/28/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I just found in my credit report a collections for {$300.00} from Midwest Recovery System.
I do not owe that money if should be a mistaken identity.
|
| 10/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was not living in the state of XXXX at the time of these charges, as stated before this is identity theft and I have no knowledge of these charges.
|
| 04/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Have previously disputed an account with Midwest Recovery Systems, and have had it removed before. Now 3+ years later they are doing the same thing.
|
| 08/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Midwest Recovery has called from several different numbers using an automated system. The number is never the same and is from different area codes.
|
| 09/22/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I really ca n't tell anything but I get call for from some company said that I old them money.well for one stop trying to mess up my credit report.
|
| 01/23/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I received a phone call 2 month 's ago I have a debit to pay if I do n't pay they call me in court and I found out they report me in credit bureau
|
| 04/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This is a recent hit to my credit report. I believe this to be fraud because I have never heard of the collection group or the original creditor.
|
| 11/25/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
This company repeatedly reported unverified, in accurate, incomplete information to Credit reporting agencies, causing damage to my credit score.
|
| 03/05/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have never applied for a payday loan from XXXX. This item is showing up on my credit report and is being collected by MIDWEST RECOVERY SYSTEMS.
|
| 06/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I just had a collection account show up on my credit report that i have no idea where it's from but i think it's part of my identity theft case.
|
| 10/30/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I was reviewing my credit report and found this account, that i have never had and they have never contacted me. I am a victim of identity theft
|
| 08/30/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This debt has been reported as paid by the original lender 12 years prior. XXXX XXXX has refused to remove it from my credit profile with XXXX
|
| 04/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
Servicemember |
|
Wrong year 1976 its incorrect theres incorrect addresses, theres incorrect information being reported by third party creditors who I dont own
|
| 03/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I try calling no one has gotten back with me I disputed it over and over. They trying to charge me for something that I have no knowledge of.
|
| 07/18/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I was checking my account and see XXXX different account in collections in my credit report, both are payday loans that I do n't know about
|
| 11/17/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
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!
|
| 03/22/2016 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
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
|
| 05/19/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I just checked my credit report and a collection account appeared that is part of my identity theft case that was filed in XX/XX/2019 2019
|
| 06/27/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
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
|
| 11/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 11/07/2017 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The company has placed negative accounts twice on my XXXX credit file and due to such ammounts reported my credit has dropped alot ....
|
| 09/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have advised XXXX that this is not my debt and that someone took utilities out in my name, I was not living in the state at the time.
|
| 08/26/2019 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This company calls multiple times per day from many different phone numbers, using illegal call spoofing tactics and robotic dialers.
|
| 06/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Some Midwest Recovery account just showed up on my credit report. Unknown what it is. Never received any letters or calls about this.
|
| 04/06/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Collection account placed on credit report XX/XX/18. Never received dunning letter or any correspondence regarding the alleged debt
|
| 12/21/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
Saw on my credit report that there is a collection for {$970.00} but I don't know what it is for since I did not incur this debt.
|
| 03/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have no knowledge of this debt.
I'm requesting for a debt validation of this debt or delete the negative report off my credit.
|
| 11/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have 2 collections from Midwest Recovery on my credit report that arent mine. Same amount same day. {$400.00} on XXXX/XXXX/XXXX
|
| 04/02/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
This company has reported this as a new debt on on credit report but this debt is several years old. The information is false.
|
| 02/28/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Midwest Recovery Systems reported a collection to my credit reports that I am unaware of. There was never a prior notice sent.
|
| 07/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Checked my report and there is a report from Midwest recovery for {$920.00} from XXXX XXXX XXXX. Never took out a payday loan!
|
| 06/25/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
They wo n't send in writing what I owe? Send me in writing what I owe, rather than report it to the credit reporting agencies.
|
| 11/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I HAVE CONTACTED MIDWEST RECOVERY THIS ACCOUNT WAS DISPUTED THRU THE XXXX FRAUD DEPT DUE TO IDENTITY THEFT NOT MY ACCOUNT
|
| 10/15/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
This debt was previously disputed on XXXX/XXXX/XXXX and has not been validated by company. It is showing as a charge off
|
| 04/23/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Servicemember |
|
Received a call from this company. Stating that I received loan proceeds in 2013, and asking for payment. I declined.
|
| 12/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This collection agency is n't licensed in my state and I am requesting it to be removed from all three credit bureau.
|
| 06/27/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
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
|
| 05/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Debt collector failed to validate the right to collect the debt, and continuing harassing me calling my cell phone.
|
| 07/24/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Creditor reported debt that is outside of Texas SOL on my credit report. No written communication sent to debtor.
|
| 01/27/2017 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
Please remove this from credit report. This item is past statue of limitations according to the state of Georgia.
|
| 07/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
i called the collection company and explained to them i was a victim of fraud ... The company is looking into it
|
| 04/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A collection agency that I never heard of started to show up on my credit report for a debt that is not mine.
|
| 05/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Someone has used my info and all the unpaid debts are on my credit.
From Midwest recovery. Not mine. Fraud
|
| 02/16/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This item just recently appeared on my report Midwest Recovery. I don't have any idea who XXXX XXXX XXXX is.
|
| 04/17/2017 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
No Notice was mailed account appeared on my credit report cause my score to drop no knowlede of this account
|
| 05/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute with the three major credit bureau 's and the investigation took well over 30 days.
|
| 02/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
fraud on my credit file on account i never had!!!
XXXX XXXX XXXX XXXX for {$780.00} file date XX/XX/2019
|
| 07/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
As i check my credit report there is a dept that i have no knowledge of nor did i sign any contract with
|
| 11/28/2016 |
No |
|
- Received a loan I didn't apply for
|
|
Web |
Servicemember |
|
I am seeing a debt on my credit report, I have no payday loan with any company for the last 10 years.
|
| 09/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.
|
| 09/12/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
MIDWEST VIOLATED MANY CONSUMER PROTECTION LAWS INCLUDING SOL.EXPIRED AND FAIL TO ADDRESS LAWSUIT.
|
| 11/30/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
they call and send letters for a {$720.00} balance on something that i have never had -????
|
| 11/08/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Just popped up on my credit report. Nothing has come in the mail no identify information
|
| 01/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
Reporting on my credit report unknown open date for {$1600.00}. This is not my debt.
|
| 11/10/2016 |
No |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
This account is too old and was not open in XXXX 2016 as stated in my credit report.
|
| 04/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I have never owed a debt to this company and they are harassing me. This is a scam.
|
| 04/24/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
collection was placed on my report XX/XX/24. I have no knowledge of this debt.
|
| 10/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
They put a fraudulent item on my credit report that does not belong to me.
|
| 04/27/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
|
|
Web |
|
|
The following company is not bonded to collect debt in the state of texas.
|
| 07/11/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is not my debt, I do not have a signed contract with this company.
|
| 07/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
ACCOUNT LISTED DOES NOT BELONG TO ME BUT IS LISTED ON MY CREDIT REPORT
|
| 12/27/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
ALL PARTIES ARE GUILTY OF ZOMBIE DEBT COLLECTION AND COLLECTION FRAUD.
|
| 07/24/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
they contact me and i pay that deuda then dey report on collection
|
| 05/04/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
Servicemember |
|
I seen this on my credit report and have no knowledge of this debt
|
| 11/15/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX has posted the same debt twice on my XXXX report.
|
| 09/06/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
FAILED TO VALIDATE DEBT AND CEASE AND DESIST COLLECTION EFFORTS.
|
| 04/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
MIDWEST RECOVERY SYSTEMS FAIR DEBT VIOLATION AND FTC VIOLATION
|
| 03/11/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Debt is not mine and the Statute of Limitations has Expired.
|
| 07/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Collections for {$92.00}, I dont know where that came from.
|
| 11/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
never received the letter indicating that i owe the debt
|
| 11/14/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
Title loans do not go on credit reports. Its illegal
|
| 07/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Reported inaccurate information on my credit report
|
| 11/04/2016 |
No |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
I did not receive any notice that I owed this bill.
|
| 02/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Debt is not mine and I have no recognition of it.
|
| 01/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Company refuses to thoroughly investigate Dispute
|
| 02/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt should have been paid by XXXX XXXX XXXX..
|
| 09/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I don't owe this debt from XXXX XXXX fraud
|
| 11/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX INACCURATE INFORMATION MUST REMOVE IT
|
| 07/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I have NO CLUE why I owe {$410.00}
|
| 07/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Debt was paid ...
|
| 03/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/05/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 03/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
- UNITED STATES MINOR OUTLYING ISLANDS
- 32784
|
Web |
|
|
|
| 02/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 02/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 12/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Referral |
|
|
|
| 12/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 12/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 12/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 12/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 12/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 10/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 08/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/13/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 07/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 07/25/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 07/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/16/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 07/14/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 07/13/2020 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Postal mail |
Older American |
|
|
| 07/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 07/02/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 06/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 06/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 06/27/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/25/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/25/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/24/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/24/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 06/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/19/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 06/18/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/10/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 06/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 06/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 06/06/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 06/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/01/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 05/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 05/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/26/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 05/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 05/19/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 05/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 05/10/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
- UNITED STATES MINOR OUTLYING ISLANDS
- 92570
|
Web |
|
|
|
| 05/08/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 05/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/01/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 04/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/29/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/28/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 04/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/26/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 04/24/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/24/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/24/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 04/24/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 04/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/22/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/15/2020 |
No |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Older American |
|
|
| 04/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/12/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 04/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 04/08/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 04/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 04/01/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 04/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 03/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 03/18/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/12/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 03/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/09/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/06/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 03/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Postal mail |
|
|
|
| 03/05/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/04/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/25/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 02/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/16/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/15/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/10/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 02/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/07/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
|
| 02/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 01/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/28/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/23/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 01/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/17/2020 |
No |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Servicemember |
|
|
| 01/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American, Servicemember |
|
|
| 01/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/05/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/04/2020 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/02/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/20/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/17/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/10/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 12/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 11/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/21/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/20/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 11/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 11/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
|
| 11/18/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 11/18/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 11/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/14/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/06/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/06/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/06/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/31/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/23/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/17/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 10/16/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/11/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 10/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
|
| 10/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/04/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/04/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/01/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/28/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 09/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 09/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 09/05/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Postal mail |
|
|
|
| 09/03/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 08/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/21/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 08/21/2019 |
No |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/09/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
|
| 08/05/2019 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/31/2019 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 07/17/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/15/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/14/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 07/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 07/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/21/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 06/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
|
|
Web |
|
|
|
| 06/12/2019 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/10/2019 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Fax |
|
|
|
| 06/10/2019 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/08/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/07/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/05/2019 |
No |
- Debt collection
- Medical debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 05/31/2019 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
|
| 05/23/2019 |
No |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/22/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 05/19/2019 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/14/2019 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/30/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 04/28/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
|
| 04/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 04/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/05/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 03/27/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 03/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/17/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/14/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 03/14/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 03/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/07/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 03/05/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/01/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 02/28/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 02/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 02/27/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/22/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Phone |
|
|
|
| 02/16/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/13/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 02/13/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/12/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/10/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 02/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 02/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/31/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/30/2019 |
No |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/30/2019 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/29/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/26/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 01/24/2019 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 01/23/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Phone |
|
|
|
| 01/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to turn you in to immigration or deport you
|
|
Web |
|
|
|
| 01/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/18/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/17/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/10/2019 |
No |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 01/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/29/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Phone |
|
|
|
| 12/27/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/26/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 12/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 11/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/08/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/01/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/29/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 10/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 10/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 10/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 09/27/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 09/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 09/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 09/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 09/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/26/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 08/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 08/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 08/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/08/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 08/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/02/2018 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/01/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 08/01/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/30/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/26/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/21/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/20/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 07/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/19/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 07/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 07/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 07/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Identity theft protection or other monitoring services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
|
| 07/06/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 07/04/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/03/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/29/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/28/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/25/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/21/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/18/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/18/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 06/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/05/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 05/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/29/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/29/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/24/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/22/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/19/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/16/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 05/15/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 05/14/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 05/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 05/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Fax |
|
|
|
| 04/30/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/26/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 04/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 04/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/11/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 03/31/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 03/29/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/27/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 03/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 03/22/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 03/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 03/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Fax |
|
|
|
| 03/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/17/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/14/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/12/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/07/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/03/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Postal mail |
|
|
|
| 02/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/22/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
|
| 02/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/15/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 02/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 02/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/13/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/12/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/07/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 02/01/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/01/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/31/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 01/26/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/26/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/25/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 01/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/24/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/23/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/22/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 01/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/21/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/20/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 01/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 01/10/2018 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/09/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/08/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/08/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/05/2018 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/05/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/04/2018 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/02/2018 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/30/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 12/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/23/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/22/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/20/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Servicemember |
|
|
| 12/19/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 12/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/14/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/12/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/11/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/11/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/10/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/06/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 12/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/05/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/01/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 12/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/30/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/21/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 11/17/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/16/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/15/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 11/11/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/11/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/09/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 11/06/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/02/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 10/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/24/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 10/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/20/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/20/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/19/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/12/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/12/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/12/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/12/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/11/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/11/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/09/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 09/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/29/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
Servicemember |
|
|
| 09/25/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/23/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/16/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/07/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 09/07/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 09/06/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 08/29/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/24/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 08/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 08/22/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 08/15/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 08/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 08/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/07/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 08/02/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 08/01/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 07/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 07/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/26/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/20/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 07/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 07/10/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/06/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/05/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 07/05/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/03/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/30/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 06/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/29/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/28/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/28/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/27/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/22/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Postal mail |
|
|
|
| 06/16/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/15/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/13/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 06/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/07/2017 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/01/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/30/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Older American |
|
|
| 05/29/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 05/27/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/22/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
Servicemember |
|
|
| 05/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/10/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
|
| 05/09/2017 |
Yes |
- Debt collection
- Medical debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/08/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/08/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/01/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 04/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 04/14/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/14/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 04/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 04/07/2017 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
|
| 04/07/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/06/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 04/04/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 04/01/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/30/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 03/29/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/26/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/22/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 03/02/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/02/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/02/2017 |
Yes |
|
- Incorrect information on credit report
- Reinserted previously deleted info
|
|
Web |
|
|
|
| 02/28/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 02/27/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 02/26/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/25/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Phone |
|
|
|
| 02/25/2017 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 02/25/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 02/24/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Servicemember |
|
|
| 02/20/2017 |
Yes |
|
|
|
Web |
|
|
|
| 02/18/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/16/2017 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 01/26/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/26/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 01/16/2017 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/16/2017 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 01/11/2017 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 01/07/2017 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 01/04/2017 |
No |
|
|
|
Web |
|
|
|
| 01/02/2017 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/30/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 12/27/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/17/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 12/16/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/14/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/13/2016 |
No |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 12/13/2016 |
No |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 12/09/2016 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 12/08/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 12/07/2016 |
No |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 12/07/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 12/06/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 12/02/2016 |
No |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 12/01/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/29/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/28/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/28/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 11/25/2016 |
No |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 11/25/2016 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 11/24/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 11/23/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 11/23/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/19/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/18/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
|
| 11/18/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/18/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/17/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/17/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/17/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 11/17/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 11/16/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 11/16/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American, Servicemember |
|
|
| 11/16/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/16/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/16/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American, Servicemember |
|
|
| 11/16/2016 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/16/2016 |
No |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 11/15/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/15/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 11/14/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/13/2016 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 11/12/2016 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 11/12/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/11/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 11/11/2016 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/11/2016 |
No |
|
|
|
Web |
|
|
|
| 11/10/2016 |
No |
|
|
|
Web |
|
|
|
| 11/10/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/10/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/10/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 11/09/2016 |
No |
- Debt collection
- Payday loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/09/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/08/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/08/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/08/2016 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
|
| 11/08/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/08/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/07/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 11/07/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 11/07/2016 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/07/2016 |
No |
|
|
|
Web |
|
|
|
| 11/07/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American, Servicemember |
|
|
| 11/07/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/07/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/07/2016 |
No |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/06/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/06/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/06/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/06/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 11/04/2016 |
No |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 11/03/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/03/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/03/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Referral |
|
|
|
| 11/03/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/01/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/01/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/29/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 10/29/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 10/24/2016 |
No |
|
- Payment to acct not credited
|
|
Web |
|
|
|
| 10/21/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 10/18/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 10/12/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/02/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 09/30/2016 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/29/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 09/28/2016 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 09/27/2016 |
Yes |
|
|
|
Web |
|
|
|
| 09/19/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 09/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 08/31/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 08/08/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/03/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 07/26/2016 |
No |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
|
| 07/18/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/10/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/30/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/27/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/22/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/20/2016 |
No |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 05/30/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 05/22/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/07/2016 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Referral |
|
|
|
| 03/21/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Older American, Servicemember |
|
|
| 03/18/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/15/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 01/20/2016 |
No |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Servicemember |
|
|
| 01/11/2016 |
No |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 12/29/2015 |
No |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 12/21/2015 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/07/2015 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/06/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/17/2015 |
No |
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 10/28/2014 |
No |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|