Consumer complaint received 2019-08-10
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an email from XXXX XXXX XXXX company on XX/XX/XXXX regarding an alleged debt of the amount $ XXXX.The email stated they have been authorized to accept a one-time payment of {$1700.00} as settlement in full which will end XX/XX/XXXX.As a consumer, I have every right within thirty ( 30 ) days after receiving this notice to dispute the validity of the alleged debt. 

On XX/XX/XXXX I requested all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing that I am responsible for this debt, or a copy of any judgment. 

They made no effort to follow the laws in making me aware of such debt, I wrote to them within 30 days of being notified of the alleged debt, they should have ceased attempting to collect this alleged debt until after I have provided the requested information.The Fair Debt Collection Practices Act prohibits debt collectors from using any harassing or abusive practices in an attempt to collect the debt.Harassment is more than just repeatedly asking you to pay money, .Its whats being done on a day-to-day basis. Its something thats misleading and done for the purpose of coercing me into doing something that I otherwise wouldnt want to do, or couldnt do, for fear of retribution. 
On numerous occasions I have repeatedly been receiving phone calls to collect payment without identifying themselves as debt collectors. Most recent on XX/XX/XXXX, I  received phone calls from a gentleman who identified himself as XXXX and he works for : Midwest Recover Systems, XXXX.Debt collection agency in XXXX XXXX, Missouri Address : XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX They threatened to take damage my credit if I did not pay up the alleged debt. Now, I believe Collectors are required by Fair Debt Collection Practices Act to send me a written debt validation notice with information about the debt theyre trying to collect. 

Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter. I believe the statute of limitation on Medical Debt in Texas is 4 years. The Original creditor and any third party debt collector only have a limited amount of time in which they can pursue repayment of debt by filing a lawsuit. 

Today, XX/XX/XXXX I received an email from XXXX XXXX stating a new collection account with MIDWEST RECOVERY SYSTEM was added to my XXXX credit report.Like all debt, This alleged medical debt is damaging to my credit .I have encountered such behavior, this why I am filing a complaint with the Consumer Financial Protection Bureau . 

By them continuing attempt to collect on this debt or seek judgment for payment of the debt without first providing written verification, they are in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation