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Midwest Credit & Collection, Inc.

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Reviews Midwest Credit & Collection, Inc.

Midwest Credit & Collection, Inc. Reviews (5)

Please consider this as a response to the above complaint.The consumer does not provide specifics in the complaint making it difficult to respondWe would like to be able to address the exact potion of FCRA section as well as the specific violation of the HIPPA I have outlined below our
communication with the consumer.1/28/Account listed with our agency1/29/Notice sent to consumer, including full explanation of right to dispute (Notice was not returned to us as undeliverable by the Postal Service.)3/28/Consumer telephoned and said not work and did not want to pay5/27/14 Consumer telephoned and said not work and did not want to pay10/2/Consumer telephoned and said this account was showing on her credit file and wanted to know what it was forWhen told - Consumer said, "oh ya" and hung up.2/1/Consumer telephoned and said this account was showing on her credit file and was attempting to purchase a carShe offered to settle with the client for a lesser amountWe said we would check with the original client and let her know if they would agree to a settlement. 2/3/We contacted the consumer and informed her that the client had refused to settle for a lesser amount and that no reduction in the amount owned would be madeThe consumer hung up.3/30/We received a Consumer Dispute though the E-Oscar reporting system stating: 'not aware of collection' - we verified and began reporting the account as 'DISPUTED'5/6/We received a Consumer Dispute through the E-Oscar reporting stating 'Inaccurate information' - we verified and continue to report account as 'DISPUTED'.10/14/We received a Consumer through the E-Oscar reporting system stating: 'Not his/herNot aware of Collection' - we verified and continue to report account as 'DISPUTED'10/17/We received a Consumer Dispute through the E-Oscar reporting system stating: 'Not his/herClaims paid the original creditor before collection status or paid before charge-off' - we verified and continue to report account as 'DISPUTED'12/16/We received a Consumer Dispute through the E-Oscar reporting system stating: 'Not his/herClaims paid the original creditor before collection status or paid before charge-off' - we verified and continue to report account as 'DISPUTED'12/20/We received a Consumer through the E-Oscar reporting system stating: 'Not hi/her' - we verified and continue to report account as 'DISPUTED'1/12/17 We received a Consumer through the E-Oscar reporting system stating: 'Not his/herNot aware of Collection' - we verified and continue to report account as 'DISPUTED'4/5/17 We received a Consumer through the E-Oscar reporting system stating: 'Not his/her'- we verified and continue to report account as 'DISPUTED'We are very conscience of our obligation to operate in complete compliance with both HIPAA and the FCRAWe would welcome the opportunity to address the consumer's complaint in a more detailed manner should specific concerns and or issues be provided.Please feel free to contact me should you have further questions or concerns.Sincerely,MIDWEST CREDIT & COLLECTIONConnie Shields President

Initial Business Response /* (1000, 5, 2016/08/24) */
Thank you for contacting us regarding the complaint noted aboveWe appreciate the opportunity to
respond to his concerns
As the consumer stated, several accounts listed with our company were paid in full in April of this year
However,
there are accounts that remain unpaidWe are not attempting collection on debts already
paid
Numerous attempts were made to reach the consumer by both mail and telephoneAccount #was
listed with our company on September 10, Notices on this account were mailed to him on
9/11/12, 4/2/13, 1/10/14, 3/28/and 8/6/Account #was listed with our company on November
3, Notices on this account were mailed 11/6/and 8/6/All of the notices were mailed to the
address that he provided on his consumer complaintNone of the notices were returned to our office
by the United States Postal Service as undeliverableAdditionally, we do not send monthly bills and/or
reminder letters for any accounts listed with our office
His wife telephoned our office on August 11, in response to our letter dated 8/6/She said that
she believed everything had been paidOur staff went through their entire payment history on all
accounts, both paid and unpaidShe said she would have him contact us to set up a pay arrangement
He telephoned our office on August 12, His tone was angry and at times used extremely vulgar
language with our employeeWe attempted to go through the account s one by one with him and he
only got angrier, He stated that the next time we hear from him it will be through his attorney
Sincerely,
*** ***
President
MIDWEST CREDIT & COLLECTION, INC(MCCI DECATUR)

Initial Business Response /* (1000, 5, 2015/09/16) */
September, 14, 2015
Peoria, IL XXXXX
RE: Case #XXXXXXXX - Ms. [redacted]
Thank you for contacting us regarding the complaint noted above. We appreciate the opportunity to respond to her concerns.
The consumer was in our office on 3/16/15...

and set a pay arrangement to have the total amount paid within 30 days. At that time she was also provided with a print out of what was owed. Payment was not made. The bank garnishment mentioned in her complaint was served on 9/1/15. A garnishment notice was mailed to her on 9/3/15. On 9/4/15 we received the garnishment answer from her bank showing $6.47 was being held in response to the garnishment.
Numerous attempts were made to reach the consumer. Our company policy is strictly designed to protect the privacy of the consumer. This policy includes never leaving a message with a 3" party as doing so would disclose private financial information (existence of a debt) of the individual we are attempting to contact. As well, messages are not left on answering machines as we have no guarantee that the individual we are attempting to contact would be the only person retrieving the messages. We value a consumer's right to privacy and as such will never leave a message.
We would be glad to discuss these accounts with her in an effort to resolve her concerns. She may contact us at 217/XXX-XXXX or 800/XXX-XXXX. We are also available to speak with her in person at our office Monday-Friday, 8:00 - 5:00, located at [redacted] Decatur. If she would like another break down of her outstanding charge she may pick one up at our office or provide us with a verbal or written request and provide self-addressed stamped envelope and it will be mailed to her.
Sincerely, MIDWEST CREDIT & COLLECTION, INC. (MCC DECATUR)
[redacted]
President

Initial Business Response /* (1000, 10, 2015/09/11) */
Thank you for contacting us regarding the complaint filed by Mrs. [redacted]. We appreciate the opportunity to respond to her concerns.
Our representative spoke with Mrs. [redacted] on August 8, 2015. At that time we provided Mrs. [redacted] with the name...

of each individual creditor, the date the account was incurred and the amount of the outstanding balance on all three accounts in question. As well, the same information was provided to Mrs. [redacted] in writing at the time each account was placed with our office. These written notifications were sent on 02/05/2013, 06/19/2013 and 06/23/2015. Mail was not returned to us as undeliverable nor did we receive notice of an address change from the United States Postal Service for any of the notifications.
Credit card information is not requested by our representatives unless a consumer actually wants to make a payment over the phone. We prefer individuals wishing to make credit card payments do so via our web payment portal at paymccidecatur.com. Making payments via the web portal reduces the risk associated with providing sensitive information over the phone. The representative to whom she spoke was indicating the ways that payment could be made: mail, in office, phone or web. At no time was a request made for her charge card number as no agreement for payment had been made.
We would be glad to discuss these accounts with Mrs. [redacted]. She may contact us at 217/XXX-XXXX or 800/XXX-XXXX. We are also available to speak with her in person at our office, Monday-Friday, 8:00- 5:00, located at [redacted] Decatur. If Mrs. [redacted] would like a list of the outstanding accounts she may pick one up at our office or provide us with a self-addressed stamped envelope and it will be mailed to her.
Sincerely, MIDWEST CREDIT & COLLECTION, INC. (MCCI DECATUR)
[redacted] President
A COMPLETE COLLECTION SERVICE

Initial Business Response /* (1000, 6, 2016/03/28) */
RE: Case # XXXXXXXX: Ms. [redacted]
Please consider this as our response to the complaint referenced above.
The account in question was referred to our agency on February 26, 2014.
On March 16, 2016 the consumer called our...

agency inquiring about what methods we accepted as payment on an account. We provided her the different payment methods available. She then told a member of our collection staff that she had read an article that stated if she paid the account she could request we remove it from her credit file. And that if she so requested we were required to do so. Our employee explained that in the event her account was paid in full we would be reporting that as such to the credit bureaus. The account would remain on her file but would show the status of 'paid in full'. She insisted that she had done her research, and we must delete the account. She was noticeable upset and the employee transferred her call to Mr. [redacted]. She repeated her demand and Mr. [redacted] explained the process to her again - that the account would be reported as 'paid in full'. She was not happy with his response and stated she would "check it out' and get back to us.
On March 17, 2016 the consumer called our agency again and spoke with Mr. [redacted]. She requested to pay the account in full using her debit card. He informed her again that her account would be reported as paid in full to the credit bureaus, but not removed. She then demanded we send her a receipt and settlement letter. It is our company policy that receipts will be provided to consumers making payments in person or to those who provide us with a self-addressed and stamped envelope. Again she demanded that we send what she called a settlement letter, stating that we are required to do so. As her anger escalated Mr. [redacted] decided the best thing to do would be to just mail her a balance verification letter showing a zero balance, as we have nothing to send her that would indicate a special settlement had been made. This letter was generated March 19, 2016 and mailed to the consumer on March 21, 2016.
Please feel free to contact me should you require any further information.
Sincerely,
[redacted]
President

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Address: 306 W. Eldorado Street, Decatur, Illinois, United States, 62521

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