Midwest Recovery Systems, LLC.

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 no person listed in the system under this name. If you can provide the social security number linked to the credit reporting inquiry, this will allow us to locate the record if the name is different than the filing name on 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

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 as of 01/26/2018 and a record of dispute has been 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. Please allow 30 days for the client to provide validation of the debt. 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 refuses to provide me with any paperwork about the $175 debt they claim I owe. The company placed a claim on my credit report in August 2017, which was deleted by Experian and Equifax. Once they were deleted, they then added the file to my transunion credit report. Now, as of November 6, 2017, they just put the same claim back on my Equifax credit report which cause me to lose 60 points on my FICO score. I have no idea what this debt is for. Whenever I call Midwest Recovery Systems, they place me on hold for a long period of time and the phone will disconnect. Please get this deleted from my credit report. This is fraud. Delete from credit report.

Complaint: [redacted]
I am rejecting this response because:
I have no way of knowing if Midwest Recovery Systems will follow through with verifying the supposed debt is already with another agency. They have given no indication that they will remove the collection account from the credit bureaus once it is proven the other agency is attempting to collect for the same thing. They also denied the use of illegal scare tactic practices and did not agree to cease attempts to contact me or anyone associated with me, aside from sending mail to my home.
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 6/9/2017.  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

Complaint: [redacted]Due to the fact that I know that I do not have any unpaid debt, I reject the response from this business and will await the “alleged validation documentation,” which the company claims will be forwarded to my address. I will, at the time that I receive the documentation, proceed with resolution of this matter armed with the physical evidence necessary to support my claim.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.  However, I would also like the response letter from this company to include my full name so that I will have a copy to keep in my record. They also stated that they submitted the deletion to the credit union on 7/2017 but it does not reflect such deletion on my credit reports. I would like them to resend the deletions to all three credit bureaus.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:
My credit has been affected from the time this company posted the debit I dropped 37 points as they have deleted I only went back up 3 points so I was still adversely affected 
Sincerely,
[redacted]

Initial Business Response /* (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 batch. Once notified by Ms. [redacted] the account was immediately marked CANCEL, and...

the credit deletion record was sent on 10/12/15. We apologize for any inconvenience this has caused her, and had no malicious intent. We hope she was treated professionally by our staff, and hope this will reconcile her concerns.
Initial Consumer Rebuttal /* (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 it. It was originally only on my Transunion report. Not sure why when they knew there was an issue it would be placed with two credit reporting agencies. As of now, it still shows on both my credit reports and caused my credit to drop 20 points and I can't move forward with my mortgage application until it's removed.

12/14/2017: Mediator sent business email regarding complaint.12/26/2017: 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 your account has been mark UTV (unable to validate) on 11/7/2017.  A deletion record has been submitted to the credit reporting agencies on 11/11/2017.  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

11/28/2017: Mediator sent consumer email requesting an update.11/28/2017: The account has been removed and re-added to my account twice since I have opened the complaint. I just want the account gone permanently. I have sent the documents from the insurance company showing that my son was insured that the time of the charges, and advised the collections entity that it was up to their client to bill the insurance company. They have since had the bill add and I have had the bill removed twice since then. I just want it gone permanently and this is their client's fault not mine, and I do not feel that they should keep harassing me over their client's misgivings.11/28/2017: Mediator emailed consumer requesting documentation from insurance company. 12/02/2017: I have found, and attached the letter from the insurance company that proves my son was covered at the time of service for the charges; that the collection agency is trying to bill me for. I have expressed to them that this is a matter they will need to take up with the insurance company not me. Please have them remove the account form my credit once and for all.12/11/2017: Mediator provided update to consumer.12/12/2017: That is great news thank you very much.

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 Cancelled and returned to our client. A credit bureau deletion record was submitted on 03/03/2018. 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

Contact Name and Title: MRS Support
Contact Phone: [redacted]
Contact Email: [redacted]
Our office had an initial communication with this consumer on 01/04/2016. On that communication there was no reference of a dispute, fraud, validation request, etc. We have attempted to contact...

her multiple times since that point to resolve the account. This complaint is the first communication we have received since that date. We have marked the account as FRAUD in our system & will immediately return this matter to our client for further review. A credit bureau deletion record will be submitted on 03/15/16.

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]

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 will be submitted on 01/30/2017.  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.  Our internal policy is to honor both verbal, and written validation requests. This account has been marked as Dispute as of 03/12/2018 per your telephone conversation with our agent 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. If there are any questions, please contact our office to resolve this at [redacted]. You may also email us at [email protected].  - [redacted]

Our office has attempted to contact this consumer at [redacted], 13 times, since 12/30/2015, which according to this complaint is a valid contact number. We have had no return phones calls, nor had contact with anyone answering the phone when called. An initial demand notice was mailed to the...

address listed with this complaint which was the address used at the time of engagement with our client whom also sent several notices to the consumer prior to placement with our office. Our office did not receive any mail return on this item to date. According to the FDCPA if the attempt is made to send a validation letter to the consumer in which it does not receive any return mail, it is not required to duplicate the letter unless verbal contact is made, at which point it is then required to be sent within 5 days on initial contact. We recently received an validation request notice from the consumer on 5/23. Our internal policy is to honor verbal & written validation requests. With that said, we have marked this account DISPUTE as of 5/23/2016, and will issue a request to our client to provide the validation material requested. Those documents will be emailed to the newly provided email address from prompt review.  Please contact our office to resolve this at [redacted]. You may also email us at [email protected].

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 be following up in 30 days to verify this information has been deleted from my credit report. 
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 will be submitted on 12/8/2017. 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

I spoke with TransUnion today, June 29th, and they have not received the deletion request.