CFPB Complaint

Midwest Recovery Systems – CFPB Complaint

Consumer Complaint Submission

Date Received: 2018-11-23T00:00:00.000

Product: I do not know

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I recently received notice of a new collection account on my credit report. Midwest Recovery Systems XXXX failed to notify me BEFORE placing this alleged debt onto my credit report which is a FRCA violation, punishable up to a {$1000.00} fine. This is not okay. I received no communication from this company by phone, email or US mail. I have the right to dispute debts and must be notified before anything can be reported to the credit bureaus. I have filed a dispute with the credit bureaus about this company. I do not have any knowledge of this account. This account was reported to all 3 credit bureaus drastically and negatively affecting my credit. I did not receive anything notifying me of this debt nor did I have the opportunity to challenge the debt. All communication regarding this matter is to be through this portal. Midwest Recovery does not have permission contact me by e-mail, phone, or US Mail. After further investigation it appears this has become a standard practice for this company ( per complaints filed with the XXXX ). The apparently have been no repercussions for these practices as they are yet ongoing. This is causing a hardship for me as I’m in the middle of a job change and relocation. Something needs to be done about this … how can they continually violate the law?

Company: Midwest Recovery Systems

State/Zip: OH 431XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3081646

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

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Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

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