Consumer complaint received 2018-01-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
on XX/XX/XXXX I received a notification from XXXX XXXX to advise me that a new collection account was on my credit. I was bit alarm since I have made it my point to work on my credit for the past few years. Due to the holidays I was not able to call unit XX/XX/XXXX. I called the collection agency after the I was given the call recording and mini Miranda and i verified my social security number and mailing address, I was told who the original creditor was and when the debt in question was originally incurred. I asked the rep when they sent me my first notice notification me of the debt and she mentioned that she would send it after our call. she refused to tell what attempts they made to contact me. I asked when the dent was assigned to them and she mentioned that it was assigned to them on XX/XX/XXXX, I asked when they reported the debt to the credit beuros and she said on XX/XX/XXXX, just 5 days after they received it. I asked if she confirming that is was reported 5 day after they received it although they made not attempt to notify me in writing nor allow the 30 days to dispute the validity of the debt. I asked to speak to supervisor or manger and she mentioned that no one was available. She reluctantly gave me the manger and supervisor information. I called back on XX/XX/XXXX and asked for a supervisor. The rep asked if he could assist me told him that i wanted to speak to a supervisor when i called last Friday and was told that no supervisor was available. " XXXX '' confirmed he was there Friday night and that a supervisor was available and was not sure why I would have been told that. The person that he transfer me to was the same exact person that i spoke to on Friday. I talked to the same rep XXXX XXXX and asked for a mange. I spoke to a manage XXXX XXXX and questioned again about the time frame in which they acquired the debt and reported the debt. she confirmed that the account was reported 5 days after it was acquired. I cited the FDCPA and mentioned that they are in violation for section 806, 807 808 and 809. I told her that i never received my 1st notice nor the 30 days allowed to dispute the validity if the debt. She mention that she only hast to send me a notice 5 days after contact. I informed her that was never given the validation period of 30 day 's she said that the FDCPA state that i have 30 days to dispute and that nothing is mentioned that they can not report. I asked what attempts did they take to send me a notice and she said " we have thousands of accounts, we do not send letters unless we make contact with someone '' she said " If you pay it, we will remove it ''. I asked if that was her way to try to force me to pay for a debt that she has not confirmed is even valid. she said not but that it was the easiest way to get it resolved. re refused to listen to what I had to say so i did get a bit upset and use profanity since she was being unreasonable and was not answering my concern. 
this company 's tactic are wrong. this was placed on my credit without they allowing me the right to know of the debt, they did not validate the debt and to this date XX/XX/XXXX. I have not receive written communication from them. since this was placed on my credit, i have been unable to move and get a new home for my children and I. I have disputed this with the credit beuros however, it takes 4- 6 weeks to resolve.

Company response to consumer: Closed with explanation