topic Re: Midwest Recovery Systems- Update in Bankruptcy

Midwest Recovery Systems

FireMedic1 — Sat, 29 Oct 2016 20:10:10 GMT

Out of the blue I got an alert today on MyFICO a collection was placed on my Experian report from Midwest Recovery Systems. I do not know who these people are. I never recieved anything from them by mail about his pay day loan debt. Which I have never done before. It says I owe $655.00 on MyFICO. I will contact my lawyer on Monday. I have filed a complaint so far with the BBB and CFPB, and disputed it on Experian. I have no collections on my credit report until now.

Kicker is I was BK Chap7 DC'ed last year 11/15. And these people pull this stunt? I get a few of those scam calls about old payday loans I owe that I have never done before. I tell them all I am post discharge and I never had a payday loan. Have a nice day. Any other ideas folks?

Re: Midwest Recovery Systems

FireMedic1 — Sun, 30 Oct 2016 12:17:40 GMT

anybody? The BBB is loaded with complaints that this company never contacts anyone before placing a collection account on a CRA report.

Re: Midwest Recovery Systems- Update

FireMedic1 — Sun, 30 Oct 2016 19:04:14 GMT

That was quick. One day after filing with the CFPB:

Company responded
Midwest Recovery Systems said:
Explanation of closure

Our bankruptcy policy is once we have been notified of a bankruptcy we get as much information including case number, attorney, chapter, and any other information possible. We immediately stop all collection efforts and send a record for deletion to all three credit reporting agencies. At that time we close and return the account as a bankruptcy to our client.

Yeah right. They never contacted me about anything, by phone, mail, nothing!. Just add a collection to my report on Experian.

Thanks for no responces. Hope this helps someone who has to deal with the same issue..

Re: Midwest Recovery Systems- Update

Anonymous — Mon, 31 Oct 2016 16:54:16 GMT

Hopefully your attorney can get it removed. They needed to have sent you a letter giving you 30 days to dispute the charge prior to it being placed on your credit report so you have time to dispute it. If they didn't and can't show proof that you did get the letter you could most likely get it removed. Most likely they placed it in hopes that you would just pay it. Maybe you can just sue them and get some money in your pocket

I'm meeting an attorney tomorrow to discuss incorrect credit reporting myself!

Re: Midwest Recovery Systems- Update

Scupra — Mon, 31 Oct 2016 22:39:42 GMT

Dispute with all three CRA's as "not mine". That should be your first step

Re: Midwest Recovery Systems- Update

FireMedic1 — Mon, 31 Oct 2016 23:46:12 GMT

I heard back from the BBB today.

Dear ***************** :

This message is in regard to your complaint submitted on 10/29/2016 against Midwest Recovery Systems, LLC.. Your complaint was assigned ID **********.

The Better Business Bureau has received a response from the business in the above-referenced complaint case. Please review their response to your complaint and advise us of your position in the matter within 7 calendar days. If we do not hear back from you, the Bureau will assume you are satisfied and will close your complaint.

Please be sure to indicate whether the business' response is satisfactory or not and how you would like to proceed in this matter.

Please note the text of your response will be publicly posted on the BBB website (BBB reserves the right to not post in accordance with BBB policy). Please do not include any personally identifiable information in your response. By submitting your response, you are representing that it is a truthful account of your experience with the business. BBB may edit your complaint to protect privacy rights and to remove inappropriate language.

If you are unable to respond using the internet, then please respond in writing to the address above or Fax to (314) 645-2666.

Sincerely,

Dispute Resolution Department
Better Business Bureau
314-645-3300
314-645-2666 Fax
bbb@stlouisbbb.org

MESSAGE FROM BUSINESS:

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 received an online dispute notification (ACDV) on 10/31/2016. The account was updated as bankruptcy, closed, and returned to our client. A credit bureau deletion record was submitted on 10/31/2016. If there are any questions, please contact our office to resolve this at 888-253-3440. You may also email us at support@mrs-direct.com. - MRS Compliance Team

I gave my lawyer everything he needed today. If they do not fix my reports. Then we will sue. They got a set of balls to file a collection on anyones report without any notice to the consumer. Thank God I have MyFICO 3B monitoring. My lawyer said keep him updated. I had no collections. Averaged 35-41 points taken from me. So we'll see what happens. Thanks guys!

Re: Midwest Recovery Systems- Update

FireMedic1 — Mon, 31 Oct 2016 23:57:48 GMT

@Anonymous wrote:
Hopefully your attorney can get it removed. They needed to have sent you a letter giving you 30 days to dispute the charge prior to it being placed on your credit report so you have time to dispute it. If they didn't and can't show proof that you did get the letter you could most likely get it removed. Most likely they placed it in hopes that you would just pay it. Maybe you can just sue them and get some money in your pocket
I'm meeting an attorney tomorrow to discuss incorrect credit reporting myself!

Wish you the best! I get at least 3-4 calls a month from these zombie collectors. I record their voice mails and give them to my lawyer. So I have them saying all the threats and so on. Breaking the law like you wouldnt believe. Love the press charges and go to jail voice mails. Never give their name or say this call is an attempt to collect a debt. Get this:

Someonce called left a voice mail. I called the number, it was a fax. Did a reverse look up. It came from a fax machine at a county courthouse. I helped them get one of their employees fired. And they brought charges against him. Working for collection on the side and looking up poeples court records. Unreal.......

Re: Midwest Recovery Systems- Update

Anonymous — Tue, 01 Nov 2016 15:10:34 GMT

@FireMedic1 wrote:
@Anonymous wrote:
Hopefully your attorney can get it removed. They needed to have sent you a letter giving you 30 days to dispute the charge prior to it being placed on your credit report so you have time to dispute it. If they didn't and can't show proof that you did get the letter you could most likely get it removed. Most likely they placed it in hopes that you would just pay it. Maybe you can just sue them and get some money in your pocket
I'm meeting an attorney tomorrow to discuss incorrect credit reporting myself!
Wish you the best! I get at least 3-4 calls a month from these zombie collectors. I record their voice mails and give them to my lawyer. So I have them saying all the threats and so on. Breaking the law like you wouldnt believe. Love the press charges and go to jail voice mails. Never give their name or say this call is an attempt to collect a debt. Get this:
Someonce called left a voice mail. I called the number, it was a fax. Did a reverse look up. It came from a fax machine at a county courthouse. I helped them get one of their employees fired. And they brought charges against him. Working for collection on the side and looking up poeples court records. Unreal.......

OH MAN! That is rediculous. I've done collections for 12 years now, and I have personally seen some shady stuff. I just wouldn't ever think a courthouse employee would do stuff like that. I have a voicemail from the company I want to sue where the girl flat out says that I have to pay/reaffirm my debt with them, or I need to give my item back before they update my credit report. I'm like 1st off both of those are basically threats, and you can't demand I pay the bill or give anything back before you update my credit.

Re: Midwest Recovery Systems- Update

FireMedic1 — Wed, 02 Nov 2016 18:35:14 GMT

After 3 days of waiting. I went back on the CFPB case page and disputed that this company has not deleted the collections from all 3 CRA's as promised. After finding out the so called companys name they listed as the creditor on CRA's. I researched and found out on the BBB page. There was an alert, and this company wasn't in business since 2013. So they're trying to collect on a debt from a closed company? Really? How low can you go! And Midwest's collection license in FL expired in 2013.

Three hours later. Ching. My FICO alerts. All collections gone. Scores back up from 33 to 36 points. Glad its over. Unfreakinbelievable.

Re: Midwest Recovery Systems- Update

FireMedic1 — Wed, 02 Nov 2016 22:49:07 GMT

How'd it go with you situation?

Re: Midwest Recovery Systems- Update

Anonymous — Mon, 07 Nov 2016 18:59:23 GMT

FYI, this same item appeared on my Credit Karma this morning. I think it's interesting that everyone impacted by this seems to be a CK user, and it's only been about two weeks since I signed up for the CK service ...

Anyway, I filed a complaint with the CFPB. I'll also file a police report tonight and keep everyone posted on progress. What a scam.

Re: Midwest Recovery Systems- Update

FireMedic1 — Mon, 07 Nov 2016 23:58:26 GMT

@Anonymous wrote:
FYI, this same item appeared on my Credit Karma this morning. I think it's interesting that everyone impacted by this seems to be a CK user, and it's only been about two weeks since I signed up for the CK service ...

Anyway, I filed a complaint with the CFPB. I'll also file a police report tonight and keep everyone posted on progress. What a scam.

Dont forget the BBB. They pay to have that A+ rating. Dont want to lose it. CK has nothing to do with it.

Re: Midwest Recovery Systems- Update

Anonymous — Thu, 10 Nov 2016 15:10:25 GMT

i need help please. i got this on my score yesterday. i do not know who they are and i am in ny. When i key the company 'midwest recovery systems' in the complaint section, it cannot be found.

Also, beside bbb, where else should i report so it goes away from my credit report.

Any assistance will be greaty appreciated

Re: Midwest Recovery Systems

hpotterfan77 — Thu, 10 Nov 2016 15:55:34 GMT

This exact thing happened to me on Monday. Popped up on all 3 bureaus, tanking my scores BTW. I have now disputed it with all 3, filed a complaint with the CFPB, BBB and FTC. They aren't even licensed to collect debt in my state (I checked). No letter in the mail, nothing. Got an alert from Experian this morning that it was deleted (though it hasn't hit MyFico yet so I'm hoping my scores bounce back when all is said and done. Ridiculous!!!

Re: Midwest Recovery Systems- Update

FireMedic1 — Thu, 10 Nov 2016 18:02:08 GMT

@Anonymous wrote:
i need help please. i got this on my score yesterday. i do not know who they are and i am in ny. When i key the company 'midwest recovery systems' in the complaint section, it cannot be found.
Also, beside bbb, where else should i report so it goes away from my credit report.

Any assistance will be greaty appreciated

http://www.consumerfinance.gov/complaint/

Re: Midwest Recovery Systems

Anonymous — Fri, 11 Nov 2016 18:11:05 GMT

@hpotterfan77 wrote:
This exact thing happened to me on Monday. Popped up on all 3 bureaus, tanking my scores BTW. I have now disputed it with all 3, filed a complaint with the CFPB, BBB and FTC. They aren't even licensed to collect debt in my state (I checked). No letter in the mail, nothing. Got an alert from Experian this morning that it was deleted (though it hasn't hit MyFico yet so I'm hoping my scores bounce back when all is said and done. Ridiculous!!!

The CA is required to send a dunning notice within 5 days of "first contact", and courts are in agreement that placing an item on your reports is considered "contact". HOWEVER - lack of reciept of a dunning notice on the part of the debtor is not pima facie evidence of a violation of law. What it does do is make your DV timely, as that 30 day clock is based on your reciept of the dunning notice, and not their sending of it (often to an old address). Any collection activity by them after your DV is a clear violation of FDCPA.

Attempts to (knowingly) collect on a BK discharged debt is a violation of US bankruptcy law.

Re: Midwest Recovery Systems

undrtkr65 — Sat, 12 Nov 2016 00:11:08 GMT

They did the same thing to me last week. They wanted me to pay 640 dollars for a payday loan from 2012 and they would delete the account after I made the payment. I have already verified with my bank they said the loan went into and no loan was placed in the account at all. They said probably a paper check was sent to me instead of a direct deposit. I live in NC and I thought payday loans are illegal in my state. I have already disputed with experian. I requested full debt validation and they said they would send it to within 30 days. Then after that if I disagree they would me file a fraud report to get it removed. Would I have any grounds to file a lawsuit against them?

Re: Midwest Recovery Systems

FireMedic1 — Sat, 12 Nov 2016 01:00:21 GMT

As I started this post. I showed all that i did. It all worked in 4 days and the CRA's were notified by MRS. Everything deleted in 2 hrs after uploading proof no such company existed. I always heard back from the CFPB until I sent the proof of a closed business. They were not licensed in my state, and the company that they had as who they were hired by was a closed business. I have not heard back yet. So the CFPB does forward things to the FTC. This may be the case. And the threaten to sue from my lawyer to them a day earlier put enough heat on them to delete. Follow what I did and you'll be fine. Unless you did use a pay day loan in which I never have.

Re: Midwest Recovery Systems

Anonymous — Sun, 13 Nov 2016 16:24:39 GMT

Just got notice from cct that this account was added for $870 and never received anything. I will be doing the same thing everyone else did today. Of course my scores dropped which sucks because I was hoping for cli for Christmas. Ugh

Re: Midwest Recovery Systems

hpotterfan77 — Tue, 15 Nov 2016 19:07:06 GMT

As an update to everyone after disputing with all 3 bureaus, the CFPB and the BBB, I've had it deleted from all 3 bureaus though for some reason, my Experian score hasn't gone back up yet and the other 2 have so hopefully that will happen soon. On another note, I FINALLY got approved for a Walmart cc. Granted, it's only $500 but was hoping to have it for Christmas as cash is tighter this year than last due to a new car bought this year but I finally got it!!