Midwest Recovery Systems, LLC

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s customersTherefore, 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 respondUpon receiving notification of this complaint, MRS conducted an investigation with regard to this matterThe investigation has found the following: Our records indicate we have never had any communication with this consumer prior to this complaintOur internal policy is to honor both verbal, and written validation requestsThis account has been marked as FRAUD and returned to our clientA credit bureau deletion record was submitted on 11/21/If there are any questions, please contact our office to resolve this at [redacted] You may also email us at [redacted] @mrs-direct.com - MRS Compliance Team

Complaint: [redacted] I am rejecting this response because: I have to accept or reject this response within days of receiving this responseWith no result and only a "dispute" being entered, I will have to reject until the matter is resolved Sincerely, [redacted]

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s customersTherefore, 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 respondUpon receiving notification of this complaint, MRS investigated regarding this matterOur internal policy is to honor both verbal, and written validation requestsThis account has been marked as DISPUTE and a validation request has been submitted to our clientOnce they have provided the requested documentation, that will be forwarded to the consumer at the address provided in this complaint Please allow days for validation to be providedIf there are any questions, please contact our office to resolve this at [redacted] You may also email us at [redacted] @mrs-direct.com - MRS Compliance Team

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s customersTherefore, MRS regrets hearing otherwise and takes these matters very seriously Thank you for bringing Mrs***'s complaint to our attention and we appreciate the opportunity to respondUpon receiving notification of Mrs***'s complaint, MRS conducted an investigation with regard to this matterThe investigation has found the following: Our office has never spoken to this consumerThe only communication our office had was with the consumers spouse on 06/02/2016, at which point MRS informed the spouse we would not be able to disclose any personal information without the consumers prior consent to do soThe spouse understood, and said would have the consumer contact our office immediatelyThe consumer never called our office after that communication, and since that time MRS has made a total of attempts to contact Mrs [redacted] at [redacted] which was the number provided by our client, and confirmed by her spouseOur office is well within the guidelines of FDCPA, and all other regulatory requirements, and the claims of harassment & mistreatment are 100% inaccurateOften times, our office gets lumped into the "harassing, bullying, threatening" category because of our line of business, but MRS takes these claims very seriously, and can provide 100% call recordings, and documentation to support our investigationWith that said, our office has considered this communication a consumer dispute, and will handle this claim accordinglyThe account has been cancelled and returned to our client for further investigation, and MRS will no longer attempt to contact this consumer from today's datePlease don't hesitate to contact our office directly should there be any more concern regarding this matter - MRS Compliance Team

Midwest Recovery Systems refuses to provide me with any paperwork about the $debt they claim I oweThe company placed a claim on my credit report in August 2017, which was deleted by Experian and EquifaxOnce they were deleted, they then added the file to my transunion credit reportNow, as of November 6, 2017, they just put the same claim back on my Equifax credit report which cause me to lose points on my FICO scoreI have no idea what this debt is forWhenever I call Midwest Recovery Systems, they place me on hold for a long period of time and the phone will disconnectPlease get this deleted from my credit reportThis is fraudDelete from credit report

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s customersTherefore, 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 respondUpon receiving notification of this complaint, MRS investigated regarding this matter Our internal policy is to honor both verbal, and written validation requestsThis account has been marked as Dispute as of 1/8/and a record of dispute will be sent to the three credit reporting agencies Additionally, a validation request has been submitted to our clientOnce they have provided the requested documentation, it will be forwarded to you at the address provided in this complaintShould our client not be able to provide requested documentation a deletion record will be sent to the three credit reporting agenciesIf there are any questions, please contact our office to resolve this at [redacted] You may also email us at [redacted] @mrs-direct.com - MRS Compliance Team

Complaint: [redacted] I am rejecting this response because:due to the MAIL BOX RULE FRE 301.Santana Gonzalez vAtt’y Gen., F.3d 274, (3d Cir2007) (emphasis added)A “weaker presumption” arises where delivery is sent via regular mail, in stead of certified mail for which no receipt, or other proof of delivery, is generatedIdIn the absence of actual proof of delivery on 2/16/this presumption isrebutted with third-party junk debt buyer having no proof that Midwest Recovery provided me with my "Mini-Mirandi" under FDCPA 809, plus I have no contract with you and no proof of assignment of this alleged debt from the creditor, which there are many court cases pertaining to this as wellSo, Midwest you have failed to provide evidence/proof to me and the Revdex.com of your assumptionsFederal Rules of Evidence Sincerely, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me I do hope we can find a resolution to this matter ASAP, Sincerely, [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me, as long as calls stop and documentation of the claim is mailed to meOtherwise debt needs to be removed from all three credit reporting agencies Sincerely, [redacted] ***

Initial Business Response / [redacted] (1000, 5, 2016/01/26) */ Contact Name and Title: MRS Support Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @mrs-direct.com This account has been cancelled from our office internally and sent back to the client for reviewThe client will be required to provide supplementation of documents to the consumerThere was no notification to our company of any dispute prior to this complaint being filedIf we had communication from Mr [redacted] , we could have handled this much soonerWe will no longer be attempting to collect on this debt, and a credit bureau deletion record will be submitted promptly Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/01/27) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank you for taking care of this in a timely manner, it is greatly appreciated Sincerely, [redacted]

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s customersTherefore, 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 respondUpon receiving notification of this complaint, MRS conducted an investigation with regard to this matterThe investigation has found the following: Our records indicate we have never had any communication with this consumer prior to this complaintOur internal policy is to honor both verbal, and written validation requestsThis account has been marked as FRAUD and returned to our clientA credit bureau deletion record was submitted on 12/27/ If there are any questions, please contact our office to resolve this at [redacted] You may also email us at [redacted] @mrs-direct.com - MRS Compliance Team

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s customersTherefore, 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 respondUpon receiving notification of this complaint, MRS investigated regarding this matterOur internal policy is to honor both verbal, and written validation requestsThis account has been marked as DISPUTE and a validation request has been submitted to our clientOnce our client has provided the requested documentation, that will be forwarded to the consumer at the address provided in this complaintIf there are any questions, please contact our office to resolve this at [redacted] You may also email us at [redacted] @mrs-direct.com - MRS Compliance Team

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/10/19) */ We received Ms [redacted] account from our client, whom made an error on their end by not stripping the previously settled/paid in full accounts from its placement batchOnce notified by Ms [redacted] the account was immediately marked CANCEL, and the credit deletion record was sent on 10/12/We apologize for any inconvenience this has caused her, and had no malicious intentWe hope she was treated professionally by our staff, and hope this will reconcile her concerns Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/10/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) This account was placed on my Equifax report on October 6th after I spoke with their representative about fixing itIt was originally only on my Transunion reportNot sure why when they knew there was an issue it would be placed with two credit reporting agenciesAs of now, it still shows on both my credit reports and caused my credit to drop points and I can't move forward with my mortgage application until it's removed

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s customersTherefore, 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 respondUpon receiving notification of this complaint, MRS investigated regarding this matter It was found that your account has been locatedOur internal policy is to honor both verbal, and written validation requestsThis account has been marked as Dispute as of 01/22/and a record of dispute will be sent to the three credit reporting agencies Additionally, a validation request has been submitted to our clientOnce they have provided the requested documentation, it will be forwarded to you at the address provided in this complaintIf there are any questions, please contact our office to resolve this at [redacted] You may also email us at [redacted] @mrs-direct.com - MRS Compliance Team

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meHowever, I do not see how MRS takes this matter seriously as I would expect that MRS communicates with the consumer before placing a collection entry on the consumer's credit filesThis is also not the first time MRS acted this way as there are many of the same complaints when searching for MRS on GOOGLE Sincerely, [redacted]

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s customersTherefore, 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 respondUpon receiving notification of this complaint, MRS investigated regarding this matterOur internal policy is to honor both verbal, and written validation requestsThis account has been marked as Unable to Validate and returned to our clientA credit bureau deletion record will be submitted on 09/08/ If there are any questions, please contact our office to resolve this at [redacted] You may also email us at [redacted] @mrs-direct.com - MRS Compliance Team

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s customersTherefore, 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 respondUpon receiving notification of this complaint, MRS investigated regarding this matterOur internal policy is to honor both verbal, and written validation requestsThis account has been marked as Unable to Validate and returned to our clientA credit bureau deletion record will be submitted on 10/6/ If there are any questions, please contact our office to resolve this at [redacted] You may also email us at [redacted] @mrs-direct.com - MRS Compliance Team

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s customersTherefore, 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 respondUpon receiving notification of this complaint, MRS investigated regarding this matterOur internal policy is to honor both verbal, and written validation requestsThis account has been marked as FRAUD and returned to our clientA credit bureau deletion record will be submitted on 10/20/ If there are any questions, please contact our office to resolve this at [redacted] You may also email us at [redacted] @mrs-direct.com - MRS Compliance Team

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s customersTherefore, 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 respondUpon receiving notification of this complaint, MRS investigated regarding this matter This account has been marked as Fraud as of 03/07/and a record of deletion will be sent to the three credit reporting agencies If there are any questions, please contact our office to resolve this at [redacted] You may also email us at [redacted] @mrs-direct.com - MRS Compliance Team