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Mirand Response Systems or MRS is a third-party collection agency based in Texas. MRS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failure to verify debts and threatening to take actions that cannot legally be taken.If you have been contacted by MRS, understand your rights before responding.
According to the Better Business Bureau (BBB), Mirand Response Systems, Inc. is a collection agency that uses the alternate business names, MirandCS, Inc.; MCPS Partners; and MCPS of Texas. The BBB established its profile page in 2006. Buzzfile estimates MRS’ annual revenue at $11.5million and the size of its headquarters staff at 150 employees.
According to its website, MRS “is a debt collection agency headquartered in Houston, Texas… and also has operations in Kingston, Jamaica.” MRS’ mission is “to provide…customers with the highest net return available in the collection industry while adhering to the highest standards of customer service and ethical conduct.”
The Mirand Response Systems website does not provide detailed information about the industries for which it collects delinquent debts. However, it does provide fairly detailed information about its business practices and services. MRS provides collection services for commercial and consumer clients. Their commercial collections division offers debt collection strategy counseling, procedural review, debtor review, collateral review, and collection action. Mirand Response Systems provides these “critical back office functions…to free up…time,” so clients can attend to business.
MRS’ consumer collections division employs their “First Call” program, in which clients “pay only for representatives in the seat, with no additional cost for management, quality assurance, facilities or telecommunication,” thereby reducing costs by “at least 50%.” In addition to initial phone contact, Mirand Response Systems also administers letter campaigns and a legacy program, in which older debts are tracked so that debtors whose financial situations eventually improve can be contacted again.
MRS’ “collector training program… focuses on security issues, federal regulations, state regulations, debtor psychology, skip tracing, credit reporting, and the latest in collection technology.” MRS’ collections staff “use firm, but diplomatic collection strategies designed to maintain goodwill and preserve the creditor’s reputation.” However, their Legacy page states that their ability to use credit reporting to influence debtor behavior has been restricted by“changes that are being made… in response to consumer advocacy changes by the regulatory organizations,” which implies a hostility toward consumer protection laws. In addition, their website does not provide links or references to consumer protection resources, laws, or enforcement agencies.
As of December 2017, the Better Business Bureau (BBB) has closed 8 complaints against Mirand Response Systems in the preceding 3 years, with 1 complaint closed in the past 12 months. Half of the complaints allege problems with billing and collections; the rest are split evenly between complaints alleging problems with advertising and sales and complaints alleging problems with customer service. As of October 2015, the Consumer Financial Protection Bureau (CFPB) has received 2 complaints about MRS. Justia lists at least 5 cases of civil litigation involving Mirand Response Systems.
Absolutely. Here are some Sample Cases against Mirand Response Systems Inc
Complaints against Mirand Response Systems cite miscommunication; rude and hostile customer service; and disagreements about the accuracy of billing documentation and information reported to credit reporting agencies. In March 2015, a complainant indicated he had spoken with an MRS representative who offered to settle his debt. The complainant accepted the settlement offer in exchange for a paid-in-full letter and the removal of the item from his credit reports. The complainant “kept his end of the deal” by sending the settlement amount, but in return he only received the paid-in-full letter. The delinquent item continued to appear on his credit report despite assurances from Mirand Response Systems that it would be removed. The complainant alleged that it is “unethical for a company to use tactics like that to get a customer to pay an account when the company does intent to uphold the agreement.” The complainant insisted that he had been clear about the terms, indicating that he “even asked the question again to make sure he understood.” The complainant contacted MRS after reviewing his credit report to clarify why the terms of the agreement had not been fulfilled, and complained that the representative “was rude, misunderstanding what the complainant was told by the original customer service representative,” and “basically made it sound like he was an idiot.” The complainant asked to speak to a manager, who “basically put the phone on mute.”
MRS offered two responses. In the first response, they indicated that if “the account is paid in full, the credit reporting agency will remove the customer’s account from the credit report. The reporting company…. must remove it… and the customer should contact them to get it removed.” In the second response, Mirand Response Systems repeated their advice that “negative data will be removed” by the credit reporting agency, adding that if the complainant wished “to expedite the matter, he should contact the creditor… Since the creditor reported the data, the creditor must remove it. Mirand Response Systems cannot remove negative data.” MRS did not offer an explanation about why their name was associated with the negative item on the credit report.
Mirand Response Systems, Inc. Contact
Mirand Response Systems, Inc.
16211 Park Ten Place
Houston, TX 77084-7016
Understanding Your Debt Collection Rights
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The 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). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals 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.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Your debt harassment checklist:
- 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 recieving 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
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200.
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