Midwest Fidelity Services or MFS is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Midwest Fidelity Services – MFS?
Midwest Fidelity Services , LLC (MFS) is a third-party collection agency based in Kansas. MFS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as threatening to take actions that cannot legally be taken and improper sharing of information. If MFS has contacted you about past due collection items, make sure you know your rights before taking action.
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Is Midwest Fidelity Services a scam?
They’re legit. According to the Better Business Bureau (BBB), Midwest Fidelity Services, LLC was incorporated in April 2012 and started locally in May 2012. The BBB established a profile page for MFS in August 2012, and MFS has been a BBB-accredited business since 2014. The BBB lists MFS as a collection agency.
According to its website, MFS “is a young company that employs …seasoned veterans from the collections industry, who have spent many years proving their mettle in such areas as management, administration, and collection technique and strategy.” MFS “provides top-of-the-line collection services with an emphasis on professionalism in the way they… handle their clients’ collection claims.”
The MFS website does not state specifically what types of debts they collect, but their staff’s “experience spans years and years over a variety of business fields…MFS provides a variety of debt collection services,” including consumer debt collection; commercial debt collection; reporting to the major credit reporting agencies; demand letter service; skip tracing; legal forwarding; and HOA/POA assessment services. MFS also provides merchant services, including debit and credit card payment processing; merchant cash advances; and online payment processing.
Midwest Fidelity Services cites membership in the International Association of Credit and Collection Professionals (ACA International). Their website states that they are “compliant with all FDCPA, FCRA, HIPAA, CFPB, and state laws.” Their Resources page provides links to proprietary information links on the ACA International website, but there are no links to independent or governmental consumer protection resources, laws, or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many Complaints are there against Midwest Fidelity Services?
As of August 2019, the BBB has closed 11 complaints against Midwest Fidelity Services in the preceding 3 years, with 4 complaints closed in the previous 12 months. Most of those complaints cited problems with billing and collections, although 3 complaints also cited problems with customer service. As of August 2015, the Consumer Financial Protection Bureau (CFPB) has closed 7 complaints involving MFS. Justia lists at least 4 cases of civil litigation involving MFS.
Midwest Fidelity Services , LLC 103 South Main Street Ottawa, KS 66067 Telephone: (844) 800-0904
Can Midwest Fidelity Services Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely MFS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against Midwest Fidelity Services?
Absolutely. Here are some Sample Complaints
Complaints against Midwest Fidelity Services cite problems resulting from disputes about the validity of debts associated with payday lenders and complaints of unwanted phone calls at consumers’ places of employment. In September 2016, a complainant stated that MFS had been “calling his job phone, which is an office phone.” According to the complainant, the clerks at his office had “advised them time and time again to stop doing such acts as forms of communication but they keep doing it.” The complainant said that he had “been pulled into meetings more than once for having personal phone calls come to the office for this issue from this same company.” In addition, he said that “when they do call, they refuse to give …any information but expect the other party to just give them the last 4 numbers of the Ssocial Ssecurity number and date of birth.” He said he didn’t know “these people and with so much identity theft and fraud going on, he was scared to talk to them. He asked that they communicate through regular USPS mail. They still have not.”
In response, Midwest Fidelity Services stated that they “had one conversation with the complainant and …attempted to verify they were speaking to the correct person.” They said they had “asked to verify the information they already have to attempt to acquire new information,” which is their “standard practice to comply with federal privacy laws and avoid inadvertently disclosing information to the wrong person.” MFS also said they had “sent their initial notice per FDCPA to the complainant’s address on file” and offered to send it via email. They denied that they had called the complainant’s employment number, stating that “they were not asked not to call any number that they have on file.” MFS asked the complainant to “confirm the ‘office’ number,” because “it seems all they have is a cell” number. As for the validity of the debt, MFS stated that “due to the delinquency of the file the account is no longer being serviced by the original creditor.” MFS told the complainant that he is “free to verify with the original creditor that they indeed are servicing his account, which … will confirm that someone does not have his information that shouldn’t.” MFS assured the complainant that they “will certainly work with him to get this account resolved.”
Midwest Fidelity Services Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Want to Stop Debt Collection Harassment Now?
You may have a case, if…
You are receiving multiple calls per week from third party collection agencies
You are receiving early morning or late night calls from debt collectors
You are receiving calls at work from a debt collection agency
Debt collectors are calling your friends, neighbors, or coworkers
Collectors are threatening you with violence, a lawsuit, or arrest
A debt collector attempts to collect more than you owe
You are being threatened with negative credit reporting
A debt collector attempts to intimidate you
Criminal accusations are being made towards you
Use of obscene language during an attempt to collect
Automated robocalls are being made to your phone in an attempt to collect
“With your help the nagging collection calls have ceased! I was thrilled I was also able to get damages from the collection agency. I am unable to adequately express my joy. I am so thankful I made the call.”
“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.
“After speaking to one of the partners, and going over the plan of action, I felt I’d chose the perfect company to go to work for me. He was very accommodating in describing what was going to happen. I would strongly recommend Lemberg Law to anybody being hassled by debt collectors”
“Prior to contacting you, we had tried repeatedly to handle this matter without threatening litigation. In the end, not only were they unapologetic, but they were dismissive – even of an attorney friend who called on our behalf. Sincerest thanks for resolving this matter for us!”
Can You Help Me Delete Midwest Fidelity Services from My Credit Report?
We can absolutely help. Call us today.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.