Consumer complaint received 11-11-2016 about Debt collection (Payday loan) with Midwest Recovery Systems (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: * * * I DID NOT OBTAIN A LOAN FROM XXXX/XXXX. I repeat I have never done any business with XXXX/XXXX. I never got nor received a payday loan/money from XXXX. Someone used my Identity to open an account with XXXX. This is IDENTITY THEFT/FRAUD SCAM : I take my credit serious and do have a 100 % Excellent Pay History with all XXXX-Credit Bureaus. On Tuesday, XX/XX/XXXX. I checked my credit as I do every day. I noticed an odd name on my credit report with XXXX & XXXX that I have never seen before " MIDWST RCVRY " {$720.00}... I immediately called XXXX Credit Bureau to place a FRAUD/DISPUTE ALERT ON MY CREDIT REPORT and they immediately placed a FRAUD ALERT to all of Credit Bureaus : XXXX and XXXX. It was XXXX that gave me more information about who & what is " MIDWST RCVRY " {$720.00}... 

They told me it was Midwest Recovery Systems to call them at XXXX, so I did call Midwest Recovery Systems on Wednesday XX/XX/2016, and spoke to XXXX, she told me there was a loan opened XX/XX/XXXX with XXXX, XXXX XXXX chking acct # : XXXX, that is all the information XXXX had and I told her I do not have a checking acct # : XXXX with XXXX. I also spoke to XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Manager and XXXX. Everyone at Midwest said the loan opened XXXX, but they show no deposit date of funds and they do not know the amount of funds. That already shows INVALID INFORMATION, IDENTITY THEFT/FRAUD. I told them I have never opened a loan with XXXX XXXX XXXX, I never received any money from them. I do not know who they are, I do not have a checking acct # : XXXX, there is no paper work ever sent to me from XX/XX/XXXX till present XX/XX/XXXX to tell me I owe this debt. How can I owe a Debt I never got nor opened with XXXX. So far all the information they have does not apply to me, it is INVALID INFORMATION. I was able to learn more about XXXX they went out of business to discover XXXX, bought a list and I called over at XXXX XXXX XXXX, on Tuesday XX/XX/XXXX. This is the information I have found on XXXX/XXXX, XXXX, XXXX NY XXXX, XXXX : XXXX, Phone : XXXX, XXXX Email : XXXX... Additional Employees : No known Employees and the web site link does not work. I have called and no one answers. I am not able to get hold of anyone. I called back to XXXX, to tell them how upset I am over this IDENTITY THEFT SOMEONE IS USING MY NAME, THIS IS FRAUD/SCAM created by from XXXX & XXXX. I WILL NOT PAY {$720.00} FOR A PAYDAY LOAN I NEVER GOT. 

I AM A VICTIM OF IDENTITY THEFT/FRAUD. I was told by XXXX to file FRAUD/COMPLAINS with XXXX, CFPB, Attorney General Office, and file a Police Report. I have done all of that. I have filed FRAUD ALERTS AND COMPLAINTS WITH XXXX, CFPB, Attorney General Office and Police Report as of Wednesday XX/XX/XXXX. I gave it another try and called XXXX XXXX XXXX XXXX, Wednesday XXXX XXXX, XXXX and spoke to XXXX and XXXX. Wow someone answered over there. I am shocked. I ask them about XXXX, to let them know it is FRAUD, someone used my name with them and I did not take a loan from XXXX and both XXXX & XXXX told me all they did was give a list to Midwest Recovery Systems and they did not validate the list of the information to make sure it was correct and accurate. I told XXXX who I was, he has no information to give me all he said was XXXX

Company response to consumer: Closed with explanation