BBB Business Review

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BBB Accredited Business since

Midwest Recovery Systems, LLC.

Additional Locations

Phone: (314) 720-2929 Fax: (636) 246-0274 View Additional Phone Numbers 2745 W Clay St STE J, Saint Charles, MO 63301

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BBB Accreditation

A BBB Accredited Business since

BBB has determined that Midwest Recovery Systems, LLC. meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that raised the rating for Midwest Recovery Systems, LLC. include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 102 complaint(s) filed against business
  • Resolution of complaint(s) filed against business

Customer Complaints Summary Read complaint details

102 complaints closed with BBB in last 3 years | 97 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 27
Billing/Collection Issues 74
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 1
Total Closed Complaints 102

Additional Complaint Information

BBB has received numerous complaints against Midwest Recovery Systems Inc.  The pattern of complaints allege the company is reporting negative to credit bureau's about consumers debt,  does not give written notification to consumers to alert them of debt owed, consumer states they do not owe the debt, or debt has already been iand overall poor customer service.

On July 25, 2016, BBB mailed a letter to Midwest Recovery Systems, Inc about our concerns with the number of complaints and the pattern.  On July 27, 2016, Midwest Recovery Systems Inc. responded to the BBB letter indicating they do not purchase any consumer's debt portfolios, and services 100% of its accounts on a contingency basis, meaning we get paid on a percentage of what is collected.  Per FDCPA guidelines, there s a 30 day validation period that is available to consumers, starting from the original assignment date the accounts were sent to Midwest Recovery Systems Inc. for collections.  If the account exceeds 31 days from assignment, and goes unpaid, leaving an open balance outstanding, the accounts are automatically reported to the credit bureaus.



Customer Reviews Summary Read customer reviews

2 Customer Reviews on Midwest Recovery Systems, LLC.
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 2
Total Customer Reviews 2

Additional Information

BBB file opened: December 19, 2012 Business started: 05/18/2012 Business started locally: 05/18/2012
Type of Entity

Limited Liability Company (LLC)

Business Management
Joseph Smith, Operations Manager Brandon Tumber, President
Contact Information
Principal: Joseph Smith, Operations Manager
Customer Contact: Brandon Tumber, President
Business Category

Collection Agencies


BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.