Midwest Recovery Systems, LLC.

Complaint: 1***
I am rejecting this response because:
The company states that they sent a letter to my address and that since they never receivers return mail they assume they it had arrived to my addressI never received a letterI have contacted Minnesota's General Attorneys office and have found that this company is not licensed to collect in the state of minnesotaThe company in which they are collecting for us a pay day loan company which also not licensed for the state of MinnesotaThe state of Minnesota has a very strict Pay Day Loan Law in which loans cannot exceed $and have a set interest rateFrom what has been filed on my report they are stating I took out a $loan and that I owe $That would exceed the amount allowable to be loaned along with exceeding the interest rate maxMidwest Recovery has not provided proof that a debt validation letter was sent via USPSIn which if I had received I would have sent a disputeThey put a hit on my credit report without following law, in which I can sue for up to $1,for not following governing lawsThis needs to be removed now from Credit Report!
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because:I don't believe MRS understands my complaint. They have already violated Texas Finance Code. They failed to provide a response to my validation request within the specified daysAny documentation or information provided at this point would be too little too late. At this point I have already been damaged by their willful negligence. I have made every effort to resolve this matter outside of presenting this matter to a courtroom before a jury in my community. Again, I respectfully request they delete the invalidated account from all credit reports
Sincerely,
*** ***

This account has been cancelled from our office internally and sent back to the client for review marked as FRAUDThe 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 05/06/

Complaint: ***
I am rejecting this response because: this is the same generic response they send to everyone
Sincerely,
*** ***

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

Complaint: ***
I am rejecting this response because:it's obvious to me that this is a stock answer from Midwest Recovery, they've only changed the dateTheir first response was saying they filed to have it removed from the creditors on 12/16/however I paid them on 3/8/Now they are claiming they sent it to be removed on 4/6/We did not owe this bill of $but we were advised to pay it since we are trying to purchase a homeThey are crooks and should right the wrong
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because:
The response is typical bsI will wait to receive the "proof" before I accept anything.
Sincerely,
*** ***

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 ***You may also email us at ***@mrs-direct.com. - MRS Compliance Team

Complaint: ***
I am rejecting this response because:
I have I have sent you your company numerous requests for this information and now that I have filed a complaint with the Revdex.com now you guys want to act and get validation of the debtYou should head validation of this debt from the moment that they put me into collections for a debt that I do not even knowRemove this for my credit now or I will contact a lawyer and deal with it that way
Sincerely,
*** ***

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 matterIt was found there has not been telephone communication on this account since 08/02/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 ***You may also email us at ***@mrs-direct.com. - MRS Compliance Team

Initial Business Response /* (1000, 6, 2015/09/11) */
Contact Name and Title: MRS Support
Contact Phone: XXX-XXX-XXXX
Contact Email: ***@mrs-direct.com
Our company has never actually had any conversation with this consumer what so everOur internal policies allow for verbal or written
request for validation at the consumers requestWe have documented this case accordingly, and will be returning this account to our clientA credit bureau deletion record will be submitted on this account this monthThe account was cancelled in our system on 9/9/Please contact us directly should there be any further problems

Complaint: ***
I am rejecting this response because:i am still receiving MANY calls from other people attempting to return your companys callEven "i" have "called" myself twiceI am becoming very irritatedI want ALL of my contact information PURGED from your computer systemsMy bill is now paid and there is NO reason you will need to conatact me again via phone.
Sincerely,
*** ***

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. Midwest Recovery Systems LLC is unable to locate your account. Please 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. You may contact our office at ***Thank you 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 office had its first communication with Ms*** on 06/28/2016, during which the agent spoke with Ms*** regarding the repayment of her loanShe stated on that call that she was unable to make a payment in the month of June, and wants a call later on to figure out what she can doShe stated she was going to be borrowing funds from her 401K & would be able to resolve this account in the middle of JulyOur office then made subsequent calls to the same number to try to re-establish contact with Ms***Those attempts were unsuccessful. MRS has multiple contact numbers, email addresses, a website with all contact information, etc for consumers to communicate with our officeWe have removed Ms***'s employer information per her request, and will no longer attempt to reach her at her place of employmentOur internal policy however is to honor verbal & written DISPUTE claims any time a consumer is expressing such a claimWith that said, we have acknowledged this as a dispute/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 addressPlease contact our office to resolve this at ***You may also email us at ***@mrs-direct.com. - MRS Compliance Team

FDCPA does not require an initial demand notice be sent until there is an initial communication with the consumerAt that point it is required we send that notice within business daysOur office will consider this complaint our first initial contact with the consumer, and have requested the
initial demand notice be sentPlease contact our office to resolve this matter at ***, or by email at ***@mrs-direct.com

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: Prior to this complaint being filed, we received no communication from this consumer either written, or verbal, after multiple attempts to contact her at various numbers provided by our clientOur internal policy however is to honor verbal & written DISPUTE claims any time a consumer is expressing such a claimWith that said, we have acknowledged this as a dispute/validation request, and have marked this account DISPUTE as of 09/21/2016, and will issue a request for validation documentation from our clientThose documents will be mailed to the newly provided physical addressPlease contact our office to resolve this at ***You may also email us at ***@mrs-direct.com. - MRS Compliance Team

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

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: Prior to this complaint being filed, we received no communication from this consumer either written, or verbal, after attempts to contact her at ***This is the number that was provided by our client, and also the consumer in this complaintOur internal policy however is to honor verbal & written DISPUTE claims any time a consumer is expressing such a claimWith that said, we have acknowledged this as a dispute/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 addressPlease contact our office to resolve this at ***You may also email us at ***@mrs-direct.com. - MRS Compliance Team

Complaint: ***
I am rejecting this response because: Midwest Recovery, reported to Equifax without confirming if this debt was legitimate causing a significant drop in my credit score*** *** Loan, issues fraudulent loans that are considered predatory based on MN rules governing interest rates on pay day loansThe MN attorney generals office contacted *** *** loan on my behalf in 2014, and advised them to cease communication with me as well as my employerI request Midwest delete this collection record from my report
Sincerely,
*** ***

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 05/11/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-You may also email us at [email protected]. - MRS Compliance Team