Midwest Recovery Systems, LLC.

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: This is the exact same thing they said days agoI am still waiting on proof Sincerely, [redacted]

Try [redacted] ***

Contact Name and Title: MRS Support Contact Phone: [redacted] Contact Email: [redacted] We were unable to find anyone in our system with the name Natalie SparksPlease provide more demographic information so that we can track this problem downOur contact information has been provided with this responseIn the event we are able to locate this consumer, we will do everything within our power to rectify the situation immediately

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 04/07/ 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

I would like to express that I have been in frequent/recent contact with [redacted] Billing Department as well as the Physican Billing Department Both entities have reassured me that I have no exsiting balancesThey have also stated that Midwest Recovery Systems is not a debt collection agency that they contract for unpaid balances For the record, Midwest Recovery System was unable to validate my address or residence as well any contact information at time of service Given the detrimental impact this debt collector had on my credit report due to these accusations, I am requesting confirmation from Midwest Recovery Systems that they immediately remove these statements from my credit report and insure my credit has been fully restored and remains good standing! Regards, [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 matter Our internal policy is to honor both verbal, and written validation requestsThis account has been marked as Dispute as of 05/10/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 888-253-You may also email us at [email protected] - 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] Thank You for the great service you provideAs it states on this company's pageYou have sent them a letter on the practice of filing collections accounts to a consumers credit file which damages their credit without notifying the consumer about the so called debtIt's always about pay day loansUntil you stepped inAlso I filed with the CFPB and they gave thew same responseMy lawyer was given all the proof and if they don't fix my credit reports by deleting this collection off my credit reportsThen we will sueThey are constantly violating the FRCA on not sending a donning letter that a consumer has the right to ask for a verification of the debtAnd also to try and collect a debt on someone who was discharged for Chapter bankruptcy goes against the federal bankruptcy lawsI loved what you guys did for meBut to give them a A+ rating? Its just my opinionThey deserve much lessNow I have to wait to get back 40+ points on my FICO scores and the damge they did to my credit fileAnywayThanks againHave a great day!

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 02/05/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

Complaint: [redacted] I am rejecting this response because of the remark of them saying this is the first time of them hearing from me which is incorrect they agreed with [redacted] to delete please see attach. I do agree with IMMEDIATE DELETION from my credit report. Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because:QatarAffecting someone's credit report fraudulently is seriousThis is completely fraudulent attempt at collecting a fraudulent loanMidwest recovery is just throwing darts at a board on fraudulent debt trying to collect with no legitimate infoat allYour claimed client, western sky delbert services and their friends cash call have been sued out of business due to fraudulent high interest loans .They have been defunct since so their can be no contactRemove derogatory credit report information on all three major credit reports immediatelySending all of my information including illegal calls with spoofed phone numbers from Midwest to State attorny generals office of MissouriVirginia already has all info 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 12/06/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 received no communication from MRS and they should have had the information that I requested prior to adding this account to.my credit file Also, I asked them to show proof that the can legally collect debts in TN and their response negated to address that request Whether the client has proper validation or not (which they don't) really doesn't matter if MRS isn't licensed to do business in my state With that being said, remove this from my credit files immediately if MRS isn't licensed to do business in TN 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 FRAUD and returned to our clientA credit bureau deletion record will be submitted on 6/18/ A new deletion was submitted 6/30/with control number 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 Mr [redacted] 's complaint to our attention and we appreciate the opportunity to respondUpon receiving notification of Mr [redacted] 's complaint, MRS conducted an investigation with regard to this matterThe 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 disputeOur office made attempts to contact Mr [redacted] at [redacted] which is provided in this complaint as a valid contact number, without success, and furthermore no return phone call from Mr [redacted] 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 days of the initial contactOur internal policy, however, is to honor verbal & written validation/dispute requests any time a consumer is expressing such a claimWith 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 clientThose 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-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 investigated regarding this matter. This account has been marked as Fraud as of 05/09/2018 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 888-253-3440. You may also email us at [email protected]. - MRS Compliance Team

MRS has had one communication with this consumerOn that initial communication the consumer asked that we send her a letter stating who we are, and what she owesThat letter was sent to [redacted] on 03/03/We have not received return mail on that letter so we presumed the consumer got this notice, and did not follow up with our officeThere was never a request for contracts, etc., otherwise we would have requested those items from our ClientNow, we have marked the account DISPUTE after receiving this complaint, and have submitted the request to our client to provide said documentationOnce received we will immediately mail those documents to the consumerIf they are unable to provide that information the account will be returned the our Client, and the collection efforts will ceasePlease contact our office if there is any questions

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 11/24/Please allow 30-for the credit bureau to update their records 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 conducted an investigation with regard to this matterThe investigation has found the following: Our records indicate we received an online dispute notification (ACDV) on 10/31/The account was updated as bankruptcy, closed, and returned to our clientA credit bureau deletion record was submitted on 10/31/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 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 will be submitted on 11/25/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