Debt collection -- False statements or representation -- Complaint #5590395
Complaint Overview
Complaint ID: 5590395
Company: Midwest Fidelity Services, LLC
Product: Debt collection
Sub-Product: Payday loan debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: South Carolina
ZIP Code: 296XX
Date Received: 2022-05-22T12:00:00-05:00
Date Sent to Company: 2022-05-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received a phone call on XX/XX/2022 at XXXX am EST by this third party debt collection company. The representative I spoke to ( XXXX XXXX stated that the company was a third party agency and the purpose of the phone call was to collect a debt. She stated the debt was owed to a loan company. The alleged amount owed was {$2100.00}. I asked her to give me the name of the loan company and the alleged account number. I also asked her when this loan company originally contacted them to collect this alleged debt. The representative stated the debt was passed off to them on XX/XX/2022. I then received a letter/statement from this third party debt collection company stating the alleged amount owed, which was {$2100.00} to the loan company. The letter/statement also advised that I should respond to them no later than XX/XX/2022. I sent a letter of debt validation via certified letter on XX/XX/2022 to the debt collection company. I gave 30 days notice for the company to respond and provide me with the information that I requested ( validation of the debts they say I owe, a true bill and not a statement, and a completed government employee questionnaire ). I then received another letter from the debt collection company dated XX/XX/2022, which stated that they had received my letter for " debt verification '' and that I should be advised that they had been in contact with their client, the loan company, and that the loan company provided them with my alleged information and the alleged amount owed. They did NOT provide me with a TRUE BILL or VALIDATION of this alleged debt. Again, they stated this was " debt verification. '' The debt collection company has failed to provide me with validated debt that they claim I owe them. The company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.
Frequently Asked Questions
What is Complaint #5590395 about?
Complaint #5590395 was filed against Midwest Fidelity Services, LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2022-05-22T12:00:00-05:00.
How did Midwest Fidelity Services, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Midwest Fidelity Services, LLC?
Yes, visit the Midwest Fidelity Services, LLC company profile at readthecomplaint.com/company/midwest-fidelity-services-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.