Midwest Fidelity Services: Who They Are and Your Rights

Type

Collection agency

Also known as

Midwest Fidelity Services, LLC; Midwest Collections

Headquarters

Ottawa, KS

Website

midwestfidelity.com

122 debt collection complaints were sent to the Consumer Financial Protection Bureau about Midwest Fidelity Services, LLC from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is Midwest Fidelity Services?

Midwest Fidelity Services, LLC is a debt collection agency whose website brands it as "Midwest Collections." Its BBB profile lists an office on South Main Street in Ottawa, Kansas, a 2012 organization date, and Mike Powell as CEO and president, and describes the company as a debt collection and recovery agency serving Kansas and Missouri. The company's website lists NMLS identifier 1677720 and links to a GLBA privacy notice, a California residents' notice and a text-messaging opt-in policy.

Why Midwest Fidelity Services May Be Contacting You

The company's website does not name its clients or the kinds of accounts it collects; it invites consumers to "resolve your debt" through an online portal. That means the creditor named on your notice is the only reliable way to know what the account is. Its text-messaging policy suggests it may reach out by text as well as by mail and phone. If you lived in Kansas or Missouri, the account may come from a local provider or business from that time.

How to Check a Debt Midwest Fidelity Services Says You Owe

With little public information about its clients, put the burden on the agency to explain the account.

• Insist on the validation notice. It must give the creditor's name, an itemization of what is owed and your deadline to dispute (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). If a text or portal link is your first contact, the notice must still be provided.
• Dispute in writing within the window. Ask for the name of the original creditor, the account number it used, the date of the last payment and an account statement. Collection must stop until Midwest Fidelity verifies.
• Ask who owns the debt. Find out whether it is collecting for the original creditor or for a company that bought the account.
• Check the amount against your records, especially any interest or fees added after the account went to collection.
• Check the date. Texas generally gives four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on a time-barred consumer debt (Tex. Fin. Code § 392.307). Kansas, Missouri and other states set their own deadlines.

What Midwest Fidelity Services Can and Can't Do

As an agency that regularly collects debts owed to others, Midwest Fidelity is a "debt collector" under 15 U.S.C. § 1692a(6). Some rules that matter for an agency that uses texts and an online portal:

• Every text or email must offer a clear, simple way to opt out, and it must honor that request (12 C.F.R. § 1006.6(e)); see our Regulation F update.
• It may not charge a "convenience fee" for paying online unless the fee is expressly authorized by your agreement or permitted by law; see our update on pay-to-pay fees.
• Calls above seven in seven days about one debt are presumed excessive (12 C.F.R. § 1006.14(b)(2)).
• It may not threaten legal action that it or its client does not intend to take.

We did not find a CFPB enforcement action against Midwest Fidelity Services. If you have concerns about how it contacted you, see our Texas FDCPA attorneys page.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Midwest Fidelity Services or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• Midwest Fidelity Services: home page
• BBB business profile: Midwest Fidelity Services, LLC
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: Midwest Fidelity Services, LLC, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Midwest Fidelity Services has violated any law. Company details change; tell us if something here is out of date.