Midwest Recovery Systems, LLC.

Initial Business Response /* (1000, 5, 2016/02/18) */
Contact Name and Title: MRS Support
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@mrs-direct.com
Our office had communication with Ms. [redacted] on 05/13/2015. At that time we notified the consumer of multiple accounts she had with our...

office. Ms. [redacted] hung up on the agent, and we flagged the account as inbound only in our system. We have received no dispute, fraud, or validation requests from this consumer either verbally, or written. We will consider this communication a FRAUD claim, and will immediately mark the account as such on our end, and return this matter to our client for further investigation. A credit bureau deletion record will be issued immediately. Please contact our office with any further questions.
Initial Consumer Rebuttal /* (2000, 7, 2016/02/20) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 5, 2016/02/18) */
Contact Name and Title: MRS Support
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@mrs-direct.com
We show no communication with Mr. [redacted]. We have made several attempts to contact this consumer on multiple numbers provided by our...

client, but have been unsuccessful in doing so. With this complaint, our internal policy is to consider this a verbal FRAUD alert, and will immediately notify our client. The account will be marked FRAUD in our system as of today, and returned to our client for further investigation. A credit bureau deletion record will be submitted on this account.

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s 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. Our internal policy is to honor both verbal, and written validation requests. This account has been marked as DISPUTE and a validation request has been submitted to our client. Once they have provided the requested documentation, that will be forwarded to the consumer at the address provided in this complaint. 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: The claim is not valid.I have been in frequent/recent contact with [redacted] Billing Department as well as the Physician Billing Department. Both entities have reassured me that I have no existing balances. They have also stated that Midwest Recovery Systems is not a debt collection agency that they contract for unpaid balances. Which means that this claim from Midwest Recovery Systems is not valid. For the record, Midwest Recovery System was unable to validate my address or residence as well any contact information at time of service. With them unable to validate my address, there is no guarantee the any letter or documentation will get to me. Given the detrimental impact this debt collector had on my credit report due to these false accusations, I am requesting confirmation from Midwest Recovery Systems that they immediately remove these false statements from my credit report and insure my credit has been fully restored and remains good standing!
Sincerely,
[redacted]

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s customers. Therefore, MRS regrets hearing otherwise and takes these matters very seriously.   Thank you for bringing Ms. [redacted]'s complaint to our attention and we appreciate the...

opportunity to respond. Upon receiving notification of Ms. [redacted]'s complaint, MRS conducted an investigation with regard to this matter. The investigation has found the following: Prior to this complaint being filed, our office has had no communication with this consumer, neither written nor verbal to address this dispute. According to the FDCPA it is not required to provide the 809C Initial Demand Letter until verbal contact is made with a consumer, at which point it is then required to be sent within 5 days of the initial contact. Our internal policy, however, is to honor verbal & written validation/dispute requests any time a consumer is expressing such a claim. With that said, we have acknowledged this validation request, and have marked this account DISPUTE as of today's date, and will issue a request for validation documentation from our client. Those documents will be mailed to the newly provided physical address.  Please contact our office to resolve this at [redacted]. You may also email us at [redacted].  - 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]

Complaint: [redacted]
I am rejecting this response because:They are stalling on this. Why is it that negative reporting happened immediately and not to remove the negative credit. They need to contact the credit reporting agencies and remove the negativity immediately just as the reported onto my credit within 24 hours.
Sincerely,
[redacted]

Per a previous conversation with our office via telephone communication, this consumer notified our office of this claim prior to the complaint being filed. At that time we marked the account as DISPUTE, and notified our client. This account has been cancelled from our office internally and sent...

back to the client for review marked as DISPUTE. The client will be required to provide supplementation of documents to the consumer.  We will no longer be attempting to collect on this debt, and a credit bureau deletion record was submitted on 06/20/2016.

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 will keep watch for the deletion from my credit report per their response. Thank you. I appreciate the quick resolution. Upon final resolution (deletion), I will go as far as to write a 5-star rating on the Revdex.com website. Thank you again.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because: Waiting on validation of item place on my credit report.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because: This is still on my credit currently as a dispute, no remorse nor was there any due diligence done to being with. Now that I have complained they are going to investigate? They were not even taking my calls nor was I ever informed as I expressed previously. How many times has this impacted a loan percentage or the fact of not being considered due to there lack of investigation. This needs to be removed and I feel I should be compensated as this is documented slander against my person stating I am basically a bum and do not pay my debits when that is not the case at all. I take this very personal and I am not satisfied with this response. Also do not ask me to call you when I have tried over and over again, be professionals and reach out to me, own up to your mistake and make this right. 
Sincerely,
[redacted]

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s 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. Our previous response requested that you provide any previous names, or addresses, or an account number located on the CBR associated to you so that we may accurately provide assistance in this matter. Unfortunately, the information you provided in your original complaint did not contain enough information for us to locate your account. We want to help resolve this issue. If you can provide some additional information such as the suggested information above, we would be happy to assist. You may contact our office at [redacted]. Thank you MRS Compliance Team

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s 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 conducted an investigation with regard to this matter. The investigation has found the following: Our records indicate we have never had any communication with this consumer prior to this complaint. Our internal policy is to honor both verbal, and written validation requests. This account has been marked as FRAUD and returned to our client. A credit bureau deletion record was submitted on 12/27/2016.  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 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 conducted an investigation with regard to this matter. The investigation has found the following: Our office responded to this complaint back in June stating that the account was marked FRAUD in our office, and has been returned to our client for review. Furthermore, a credit bureau deletion record was submitted to all credit furnishers on 07/08/2016. Our office has ceased all collection efforts on this account, and there should be no credit reporting to Mr. [redacted]'s credit profile. Please contact our office to resolve this at [redacted]. You may also email us at [email protected].  - MRS Compliance Team

Complaint: [redacted]
I am rejecting this response because:
Midwest Recovery owns this bill, they bought it and they will own the consequences.  I have held on to taking this to Court and processing a complaint for the equivalent of 3x the amount.  This has been disputed not once, but at least 3 TIMES.  I want this removed from my credit report by the end of the week or I will take this to 50th District Court in Pontiac, MI and I will file upon grounds of violating my rights under FDCPA, along with harassment.  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 resolve this matter, as I've said I've held off waiting for a response from Revdex.com in the hopes or resolving amicably, I can see that may not be the case and we will need to let the Court handle.   
Sincerely,
[redacted]

The information was taken off my credit report and it is resolved.

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s 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. Our internal policy is to honor both verbal, and written validation requests. This account has been marked as FRAUD and returned to our client. A credit bureau deletion record will be submitted on 6/16/2017.  If there are any questions, please contact our office to resolve this at [redacted]

Complaint: [redacted]
I am rejecting this response because:. due to the MAIL BOX RULE FRE 301.Santana Gonzalez v. Att’y Gen., 506 F.3d 274, 279 (3d Cir. 2007) (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 generated. Id. In the absence of actual proof of delivery on 2/16/2016 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 well. So, Midwest you have failed to provide evidence/proof to me and the Revdex.com of your assumptions. Federal 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 confirmed today that this account has been taken off of at least two of my credit reports.  If it gets put on them again, I will file a lawsuit against the business.
Sincerely,
[redacted]

Midwest Recovery Systems (MRS) strives to provide the highest quality of service to our clients and our client’s 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. Our internal policy is to honor both verbal, and written validation requests. This account has been marked as FRAUD and returned to our client. A credit bureau deletion record will be submitted on 04/07/2017.  If there are any questions, please contact our office to resolve this at 888-253-3440. You may also email us at [email protected].  - MRS Compliance Team