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] Thank You for the great service you provide. As it states on this company's page. You 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 debt. It's always about pay day loans. Until you stepped in. Also I filed with the CFPB and they gave thew same response. My lawyer was given all the proof and if they don't fix my credit reports by deleting this collection off my 3 credit reports. Then we will sue. They are constantly violating the FRCA on not sending a donning letter that a consumer has the right to ask for a verification of the debt. And also to try and collect a debt on someone who was discharged for Chapter 7 bankruptcy goes against the federal bankruptcy laws. I loved what you guys did for me. But to give them a A+ rating? Its just my opinion. They deserve much less. Now I have to wait to get back 40+ points on my FICO scores and the damge they did to my credit file. Anyway. Thanks again. Have a great day!

In response to your below inquiry: No, I did not call or contact Midwest Recovery Systems upon discovering the collection activity on my credit report. I would prefer to work directly with the Revdex.com to resolve this matter. Thank you in advance for your assistance. Best,[redacted]

Complaint: [redacted]
I am rejecting this response because:I have ZERO missed calls from any unknown numbers on my phone - if a record needs to be produce then I can do so. Also 2 weeks ago I submitted I needed proof in WRITING not verbal proof, so if I do not receive proof in the next  I also have not lived at 2 Stewart Ave in Beacon for almost 9 years, which shows to me this debt is fraudulent. Also the original company claiming I owe this amount is not licensed to operate in the state of New York, again fraud. This needs to be deleted from my credit report as soon as possible. Thanks. 
Sincerely,
[redacted]

Initial Business Response /* (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 review. The client will be required to provide...

supplementation of documents to the consumer. There was no notification to our company of any dispute prior to this complaint being filed. If we had communication from Mr. [redacted], we could have handled this much sooner. We will no longer be attempting to collect on this debt, and a credit bureau deletion record will be submitted promptly.
Initial Consumer Rebuttal /* (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]

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 it's removed from my credit report.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because: I have never been notified of this prior to seeing it on my credit report. If this is the same company that has been calling and harrassing me telling me that they have a fax order and are going to stop by my home or place of employment they never gave me any information and I am still waiting for them to show up. 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 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 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. Our internal policy is to honor both verbal, and written validation requests. This account has been marked as Unable to Validate and returned to our client. A credit bureau deletion record will be submitted on 10/13/2017. Please allow 30-90 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 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 there has been no telephone communication regarding your account. Our internal policy is to honor both verbal, and written validation requests. This account has been marked as Dispute as of 1/2/2018 and a record of dispute will be sent to the three credit reporting agencies.  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. Should our client not be able to provide the requested documentation a deletion record 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

Initial Business Response /* (1000, 5, 2016/03/07) */
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 review marked as FRAUD. 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 will be submitted on 03/15/2016.
Initial Consumer Rebuttal /* (3000, 7, 2016/03/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
MRS needs to provide a letter directly to me, on their company letterhead with the response they've provided the Revdex.com. This is for record keeping purposes as well as a stop-gap so that I have documentation to provide lenders when I apply for loans as it may take the credit bureaus significant time to remove the negative collection entry from my credit report. If they provide the letter, with a signature from one of their corporate officers, I will accept it as resolution.
[redacted]

Complaint: [redacted]
I am rejecting this response because:I don't think the debt collector understands that they have already violated the state rule for validation.  They did not respond to my request for validation within 30 days and there is no evidence to support their claim.  Any information or documentation presented at this point comes too little too late.  I am respectfully requesting that Midwest Recovery request deletion of this account immediately.  I am making every effort to resolve this matter outside of presenting this case to a courtroom jury in my community. As I have already suffered substantial damages due to Midwest Recovery's willful negligence in this matter.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:this is NOT a valid debt. This is 5 years old. Also I was never contacted by your company or the prior company at all in the whole 5 years  prior to it being put on my credit report. I'm entitled to be able to dispute the validity of this collection prior to it being placed on my credit.. which I was not. It just appeared. I want this collection removed. 
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 Unable to Validate and returned to our client. A credit bureau deletion record was submitted on 07/30/2017.  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 investigated regarding this matter. This account has been marked as Fraud as of 02/26/2018 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 [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 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 12/16/16. 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 investigated regarding this matter. Our internal policy is to honor both verbal, and written validation requests. This account has been marked as Unable to validated and returned to our client. A credit bureau deletion record will be submitted on 06/23/2017.  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 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 02/14/2018 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 [redacted]. You may also email us at [redacted]@mrs-direct.com.  - MRS Compliance Team

Complaint: [redacted]
I am rejecting this response because: I was told it would be removed from my credit when they submitted the next batch on the upcoming Friday.  I did call and speak to a manager prior to rejecting this response and was being further reviewed to see if the recorded call could be pulled to validate this. While I understand each agency has their own procedures, placing an account prior to making any attempt to contact customer is beyond wrong. Messing with a persons credit score violates their rights. I settled to take care of the issue so it wouldn't effect my house closing but should have disputed it because I do not feel this was my debt but needed it resolved to avoid further impact to my credit score. The company should really evaluate their practices because I wouldn't be able to sleep at night if I acted this way.
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.
Sincerely,

Complaint: [redacted]
I am rejecting this response because: I had never been contacted by this company prior to them reporting this to the credit bureaus which like I said before isn't even legal I'm pretty sure. Plus I had already spoke with [redacted] years ago about this to try and pay the amount I owed which wasn't the amount MRS is saying I owe and [redacted] would not take any payment from me. So this matter had been closed for years already and they are just trying to randomly open it back up to get money. So the only acceptable solution is like I said before. Close and remove the account from all credit reports and to never be contacted by this company or any affiliates. 
Sincerely,
[redacted]